Personal
Personal liability Contents insurance Buildings insurance Natural hazard cover Solar panel insurance Self-build insurance Car insurance Bicycle and e-bike Travel insurance Drone insurance Dog liability Pet health insurance Legal expenses insurance Accident insurance Occupational disability Term life insurance Funeral insurance Private pension Private health insurance Supplementary health Dental insurance Long-term care Property owner liability Oil tank liability Hunting liability Horse liability insurance Glass insurance Gadget insurance Motorcycle insurance Motorhome insurance Travel medical Horse surgery insurance Basic abilities Child disability Classic car insurance E-scooter insurance Critical illness insurance Sick pay Rent default Instrument insurance Art and valuables Holiday letting Caravan insurance Golf insurance Savings life Total disability Payment protection Rent deposit guarantee Hospital cash Personal cyber cover Breakdown cover Driver injury cover Used and extended car warranty in Germany Accident cover with premium refund Health insurance when leaving Germany Wedding insuranceBusiness
Business liability Professional indemnity D&O insurance Business legal expenses Product liability Environmental liability Erection all risks Business closure Crop insurance Criminal defence insurance Practice interruption Livestock insurance Motor trade Forest insurance Event cancellation Refrigerated stock Wind turbines Jewellers block Business contents Commercial buildings Business interruption Electronic equipment Machinery breakdown Contractors all risks Cargo insurance Fleet insurance Club and association liability Event liability Surety bonds Crime and fidelity Cyber insurance Trade credit insurance Company pension (bAV) Company health insurance Group accident insurance By type of businessGuides
Which insurance do I need? Who pays for the damage? Insurance you may not need Cancellation deadlines Insurance questions Compare the wordings of all tariffsInsurers
German insurers A to Z Austrian insurers Spanish insurers Complaints rankingContact
+49 3375 29 12 77 Contact Customer loginLanguage
Deutsch Österreich Español Boats and yachts
Home / Insurance broker / Which insurance do I need?
With employees you are liable for their mistakes at customers' premises, so business liability comes first. Then contents and business interruption, because a fire costs months of revenue. Statutory accident insurance through the trade association (Berufsgenossenschaft) is compulsory and not arranged by brokers.
Separate policies per device
Contents or electronic equipment cover with one overall sum handles all equipment in a single
contract.
In Germany a business is liable without any upper limit for injury or damage it causes to …
In Germany, a business insures its furniture, equipment, machinery and stock through an …
Business interruption insurance keeps a business alive after a loss: it pays your lost profit …
If you run a company in Germany, a ransomware attack or data breach is your cost, not your IT …
Firmenrechtsschutz pays lawyers, court fees and experts when your business is involved in a …
In Germany every employee can demand to convert part of their salary into a company pension, …
If you know employer health plans from the US or private medical insurance from the UK, the …
In Germany, work and commuting accidents are covered by the statutory accident insurance of …
German B2B trade runs on invoices with payment terms, so every delivery is a short loan to …
A German GmbH protects its shareholders, not its managing directors. A Geschäftsführer who …
Why this order
The rule: existential risks first, expensive ones second, comfort last