Business Insurance

You run the business. We cover it.

One uninsured incident can erase years of work. We analyse your actual risks, compare the market without ties and build a protection concept that grows with your business – no superfluous modules, no gaps you discover in a claim.

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Solo founders to GmbH Non-tied comparison Contracts explained in English

The building blocks

What a business really needs – and what it doesn't.

Foundation

Public liability (Betriebshaftpflicht)

Injury, property and consequential damage to third parties – the baseline for almost every business. Key: industry-appropriate limits and cover for damage to objects you work on.

Professional risk

Professional indemnity

For consultants, IT professionals and everyone whose mistakes cost money rather than break things. Mandatory for several regulated professions.

Assets

Contents & business interruption

Machines, stock and equipment against fire, burglary, water and storm – plus the profit lost while operations stand still.

Digital

Cyber insurance

Ransomware, data breaches, downtime after an attack – including forensics, crisis management and GDPR notification support.

Management

D&O insurance

Managing directors are personally liable – with their private assets. D&O cover absorbs exactly that risk.

Team

Company pension & benefits

Company pension schemes (bAV) and supplemental health benefits: tax-privileged and worth real money in recruiting.

Why through us

Business cover is tailoring – not off-the-rack.

The business description is everything: wrong or incomplete descriptions can void your cover in a claim. We word it precisely.
No underinsurance: realistic sums insured, new-value clauses and buffer positions included.
Growth built in: annual declarations, new activities, more staff – your concept scales along.
In a claim, we're on your side: documentation, negotiation with the insurer, keeping your operations running.

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Typical cases

What this looks like in practice.

IT freelancer: professional indemnity with IT modules, basic cyber cover, sick-pay from day 22 – aligned with typical project contracts.

Craft business, 8 employees: public liability including work-damage cover, contents and transit insurance, legal protection – consolidated and cheaper than the old patchwork.

E-commerce founder: warehouse contents plus interruption cover, product liability, cyber with shop-downtime module.

Common questions

Business cover, briefly explained.

Get in touch

Which business insurance is legally required in Germany?

It depends on your profession: professional indemnity is mandatory for e.g. tax advisors, lawyers and insurance intermediaries; motor liability for company vehicles. Public liability is not mandatory for most businesses – but practically indispensable.

What does public liability cost?

Depending on industry, revenue and headcount: freelancers often start below €150/year, trade businesses in the mid three-digit range. What matters is the cover-to-premium ratio – exactly what we compare.

Do I need cyber insurance as a small business?

If you hold customer data, run a shop or invoice digitally: very likely yes. Small firms are preferred targets precisely because protections are weak. We honestly assess prevention first, insurance second.

Can you review my existing policies without me switching?

Yes. The portfolio review is non-binding. Often the verdict is "cover fine, price fair" – then you know. If we find gaps or savings, you decide what to do.

15 minutes for your risk profile

When was your business last risk-checked?

Free initial analysis: gaps, duplicates and savings – you decide what happens with the result.

Start the risk analysis +49 2433 9391844