Plan de negocios para la creación del seguro de incendio y responsabilidad civil dirigido a los comercios de Guayaquil con el aval de la empresa aseguradora ACE Seguros

Abstract

This research is a proposed business plan for the company ACE SEGUROS S. A., consisting of a fire, earthquake, flood, water damage, collapse structure and liability for property damage and personal injury to third parties insurance, for owners of small and medium businesses of Ecuador. 382 surveys were conducted through a questionnaire, to members of the chamber of small industry and database of clients of the company. The majority of respondents believe that every business must have fire and civil liability insurance, and is willing to pay a monetary value for this insurance with coverage between $3,001 and $5,000 with a cost between $51 and $100; and, coverage between $8,001 and $15,000 with a cost between $201 and $500. Finally, the financial analysis of this project through the NPV and IRR method concludes that the project is highly profitable, with an IRR of 55.22%. It is recommended to proceed with the project maintaining a good relationship with brokers.