Insurance / Commercial & corporate

Business insurance — protection concepts for the self-employed and for companies.

From the solo founder to the mid-sized firm: we analyze your risks, review your existing policies, and build a coherent insurance concept that scales with you — as an independent broker, never tied to one carrier.
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Why business insurance?

A single claim can wipe out a company.

A water leak in the warehouse, a cyberattack on the ERP system, a consulting error with a five-figure damage claim, an accident on the premises: the risks a business faces are varied — and together they can quickly become existential.

Unlike personal lines, commercial insurance is never one-size-fits-all. Your industry, headcount, business model, international activity, and contractual counterparties all determine which policies make sense and what coverage limits are appropriate.

We take a close look at your operation, identify real risks and gaps, and put together a concept that fits your size — no over-insurance, and no blind spots.

What we cover

The typical building blocks of a well-designed corporate insurance program.

We combine these building blocks into one coherent concept — tailored to your industry and your size.

  • Commercial general liability (bodily injury, property damage, financial loss)
  • Professional indemnity for advisory, planning, and audit professions
  • Directors & Officers (D&O) for management and board members
  • Property, contents, and commercial building insurance
  • Business interruption and loss-of-profits cover
  • Cyber and IT insurance
  • Commercial motor and fleet insurance
  • Group accident and key-person cover
  • Occupational pension scheme (betriebliche Altersvorsorge / bAV)
  • Employer-sponsored health benefits (betriebliche Krankenversicherung / bKV)
Quality criteria

What makes a strong commercial insurance program.

Three principles we apply to every engagement.

Concept 01

The whole picture, not isolated policies

A strong corporate program thinks about all policies together: gaps between liability, cyber, D&O, and property cover are the most common claim traps. We design the program as one coherent whole.

Adaptability 02

Contracts that grow with you

More staff, new locations, cross-border business, new revenue streams: we focus on contracts that can be reviewed and adjusted regularly — so you don't have to switch carriers every time you grow.

Claims 03

Clear processes when a claim hits

When something goes wrong, speed and clear ownership matter. We handle the full claim — from initial notice through correspondence with the carrier all the way to payout.

Common mistakes

These are the issues we see most often when reviewing existing programs.

Especially in companies that have grown over time, contracts often no longer reflect today's reality.

  • Outdated coverage limits that no longer match the size of the business
  • Duplicate or overlapping coverage across multiple insurers
  • Cyber risk ignored — despite heavy IT dependency
  • No D&O cover — even though directors are personally liable
  • Occupation or activity wrongly classified with the insurer
  • Business interruption cover missing or too short
  • Existing contracts never actively reviewed — only renewed by default
  • Employee benefits (bAV / bKV) left untapped as a retention tool
How we advise you

Structured, transparent, no sales pressure.

You stay in the driver's seat at every step — and walk away with a clear concept in hand.

01
Inquiry

You describe your situation — via the inquiry assistant or our contact form.

02
Analysis

We review your position, existing policies, and your actual risk.

03
Concept

A reasoned recommendation — you can see exactly why each piece is suggested.

04
Ongoing care

Implementation, annual review, and one named contact — including in the event of a claim.

Frequently asked

What you should know about commercial insurance.

Got another question? Just get in touch directly.

What insurance does every business need?
At a minimum: commercial general liability (covers bodily injury and property damage to third parties), contents insurance (for equipment, stock, technology) and — depending on your business model — cyber, professional indemnity, or D&O cover. Which policies make sense depends on your industry, size, and activity.
What's the difference between professional indemnity and commercial general liability?
Commercial general liability covers typical operational risks (e.g. bodily or property damage on the premises). Professional indemnity — relevant for advisory, planning, and audit professions — covers financial loss caused by professional activity, such as advisory errors.
Does a small business really need cyber insurance?
Yes — small and mid-sized businesses are now a primary target for cyberattacks, because they are often less well defended than large enterprises. Cyber cover typically includes business interruption, data restoration, forensics, crisis communications, and third-party liability.
What does D&O insurance actually cover?
D&O (Directors & Officers) protects managing directors and senior employees against personal liability — i.e. claims against their personal assets — for alleged breaches of duty. It is now standard for limited companies (GmbH) and should be calibrated to the size and risk profile of the business.
What's in it for my business if I offer employee benefits (bAV / bKV)?
Occupational pension schemes (bAV) and employer-sponsored health benefits (bKV) are powerful retention tools — particularly in industries facing talent shortages. Both come with tax advantages for employer and employee and can take pressure off the salary structure.
How does a review of my existing business policies work?
We compare your existing contracts against your actual risks: which coverage limits are appropriate, where are the gaps, which policies overlap or are outdated? You end up with a concept and clear recommendations on what to change — and what to leave alone.
Your next step

Ready for an honest review of your business insurance?

We'll check your contracts against your actual risks and come back with an initial assessment — no obligation, no cost, typically within one business day.

Start the inquiry assistant Contact us directly
HoursMon–Fri, 8 am–5 pm CET