The insured risks of a property insurance essentially correspond to those of a household insurance. Damage caused by fire, lightning, explosion, burglary, tap water, storm can quickly become highly expensive if machines, equipment, goods, office equipment, etc. must be procured anew. You protect important material assets with property insurance.
Businesses depend on properly functioning electronic equipment. Electronics insurance covers your damages and costs that arise when devices and equipment in the office are damaged, for example by overvoltage as a result of a lightning strike, or burglary.
Public liability insurance is one of the most important insurances for companies. The activity of a company and the management of a business are always associated with liability risks. For personal injury or property damage caused by your company or its employees, your company is liable to an unlimited extent. Public liability insurance comprehensively protects your company against legal claims for damages by third parties that are asserted against the policyholder or their employees in the course of business operations.
In the commercial sector, a legal dispute can quickly arise, for example, in the case of disputes with an employee or when company vehicles are in daily use, trouble is almost predestined.
When examining the prospects of success and in the event of a legal dispute, the plaintiff is often faced with high costs in order to enforce his claims. You can take precautions with legal protection insurance.
The costs for disputes that arose prior to the commencement of the insurance coverage are usually not insured.
In Germany, motor vehicle liability insurance is required by law. Without it, the vehicle cannot be registered. Many car owners supplement liability coverage with partial or comprehensive insurance. If you use several vehicles in your company, you can save money year after year with fleet insurance. We offer attractive fleet solutions for as few as 3 vehicles.
Advantages of a fleet insurance:
Statutory accident insurance provides protection if an accident occurred on the way to or from the work place or is related to work. Group accident insurance goes beyond the legally required coverage, it applies anywhere in the world and at any time. This provides you and your employees with much better protection against an accidental absence. Insurable benefits in group accident insurance include disability benefits, death by accident, an accident hospital per diem benefit, and more.
If foreign employees want to work in Germany, they need health insurance. As soon as employees enter into an employment relationship in Germany which is subject to social security contributions, they are obliged to take out insurance with a statutory health insurance fund or a private health insurance company. Health insurance is mandatory for all employees in Germany. They must choose a health insurance plan before starting work. Depending on the level of their income, employees can choose between statutory health insurance and private health insurance. The coverage provided by a private health insurance is usually much more comprehensive than the coverage provided by a statutory health insurance.
Under a group health insurance contract, companies can arrange health insurance coverage for their employees.
Benefits of the private group health insurance can be found here: PDF
We would be happy to advise you individually on the best comprehensive health insurance for you!
Company pension plan is a collective term for all financial benefits promised by an employer to its employee for retirement provision, provision for entitled surviving dependents in the event of death, or disability provision in the event of occupational or professional incapacity.
In the case of direct insurance, for example, the contributions can be financed by the employer, as mixed financing by employer and employee, and as financing through deferred compensation. As a supplement to the state pension system, such solutions are also an option for rewarding good employees and retaining them in your company.
Damage can also occur in your business over which you have no control, but which leads to an interruption in the workflow. You will still incur costs, because wages and salaries must continue to be paid, as must rent or interest. Furthermore, you lose operating profit. In such cases, you are reliably covered with business interruption insurance.
More and more criminals are gaining access to corporate networks. Cyber attacks are among the highest risk factors for businesses and enterprises. Protect your business from the economic consequences of cybercrime such as hacker attacks, DOS attacks, and spam emails.
D&O insurance is a pecuniary loss liability insurance policy that a company takes out for its managing directors, board members and senior executives, the so-called executive bodies.
The D&O insurance provides insurance cover in the event that you or another insured person can be held liable to pay compensation for a financial loss (neither personal injury nor property damage) that is connected with the respective insured activity. Both internal and external liability are insured. This means that, in addition to claims by third parties, recourse claims by the company itself against the insured persons (executive bodies and managers) are also insured, as their private assets are otherwise often insufficient in the event of recourse claims.
Credit insurance protects your company against bad debts - both at home and abroad. This ensures that your invoices are paid and that you always have your commercial and political trade risks reliably under control. If an important customer suddenly becomes insolvent or your company is threatened with a bottleneck because a foreign partner does not pay.
Companies can insure their receivables from deliveries of goods or services against late payment and insolvency of a customer. With credit insurance, you maintain the liquidity and creditworthiness of your company.