Services for Commercial Clients

Companies are like humans: In some things alike, in many things different. Hence, it is important to us that we exactly understand what your business model is. So, we find together a suitable insurance solution which fits your business model aptly and covering all possible risks. Thus you can achieve your long-term goals to remain successfully on the market.

A damage interrupts the normal work flow of a company and slows down its productivity, preventing it from producing, providing services and generating income. For such a case it is important that you can rely on your insurance coverage. As a competent partner at your side we provide adequate insurance coverage to your company and help you minimizing the impact in case of a loss.

Accident insurance

In daily life there is the risk to suffer damage (on life and limb) due to a sudden effect on one’s body. This can result in a permanent physical limitation, disabilities, or, in the worst case, even lead to death. Especially for smaller companies it can be vitally important to protect themselves from the financial consequences of disability or death of an employee by taking out accident insurance for their staff. This additional benefit is likely to increase the employee’s loyalty towards their employer as it shows the employer’s appreciation.

Your personal contacts will be pleased to advise and assist you:

Birgit Balzer

Anke Mecky

Phichittra Suksaew

Company Pension Insurance

In addition to the legal pension schemes organized by many countries it is necessary to have an extra coverage in order to enjoy a stress-free retirement. For many years this topic has been up for discussion. Even the legislator in these countries has recognized that the legal pension alone is insufficient and stimulates an additional pension insurance scheme – either a so-called “company pension scheme” or a fully private solution as a second pillar of pension income, often with tax advantages or other benefits.

Your personal contacts will be pleased to advise and assist you:

Christian Mattschull

Phichittra Suksaew

Torsten Tups

D&O

Managers (i. e. General Manager and CEO) of a company are personally liable with their private assets for their mistakes and incorrect decisions. This means that they are liable not only for their own negligence but also in view of joint and several liabilities potentially for mistakes of their colleagues on the Executive Board. For this reason we recommend to take out a Directors’ and Officers’ Liability Insurance as protection against these risks. In order to determine adequate insurance coverage for pecuniary losses, numerous criteria and influencing factors need to be observed.

Your personal contacts will be pleased to advise and assist you:

Gerhard Bugla

Marco Gagliano

Employment Practices Liability Insurance (EPLI)

In a changing workplace environment, today discrimination (based on age, sex, race, religion, color and national origin), sexual harassment, wrongful termination of a contract and other bases of claims derived from an employment or application relationship can lead to claims for compensation against employers.
EPLI provides coverage to employers against such claims made by employees.

Your personal contacts will be pleased to advise and assist you:

Gerhard Bugla

Marco Gagliano

International Insurance Programs / Compliance Issues In Insurance (EPLI)

Cross-border business activities (with or without a global presence and subsidiaries in the specific countries) demand special insurance solutions in order to satisfy the local and legal requirements. In this regard, it is particularly important to obey the rules and create insurance solutions not only according to a company’s needs but also complying with the legal possibilities and conditions given.

Your personal contacts will be pleased to advise and assist you:

Gerhard Bugla

Marco Gagliano

Jochen Schädler

Stefan Walter

Cyber Risk Insurance

Cyber Risk Insurance is gaining importance in addition to the classical electronics insurance for computers, telephone systems and other office equipment which can cover damages to property as well as ensuing costs for business interruption. All types of activities can be affected by attacks from outside with significant loss impacts. Unfortunately, hacker attacks and systematic economic crimes have become aspects of everyday life and are not limited to a presence in the media.

Your personal contacts will be pleased to advise and assist you:

Christian Mattschull

Stefan Walter

Marco Gagliano

Motor / Auto Insurance

Motor vehicles circulating on public roads regularly have to be insured by law. The scope of cover of liability and motor / auto insurance as well as the insurance concept, e. g. individual insurance cover, fleet policy depend on the fleet of your company.

Your personal contacts will be pleased to advise and assist you:

Christian Mattschull

Torsten Tups

Health Insurance for Experts

In addition to the statutory health insurance it is possible to take out a reasonable and appropriate insurance cover organized and supported by employers. For travelling abroad an additional, private insurance solution is strongly recommended because often the statutory insurance does not cover the expenses. When reaching a certain income level it can be wiser to take out private comprehensive insurance rather than stick to the statutory health insurance because its insurance scope often exceeds the one of the statutory health insurance.

Your personal contacts will be pleased to advise and assist you:

Birgit Balzer

Anke Mecky

Phichittra Suksaew

Machinery Breakdown and Business Interruption Insurance

In order to produce efficiently and cost-effectively, companies more and more require expensive and computer-controlled machining centers. Even a small operational mistake can cause a damage to and failure of such a machine with high repair and downtime cost.

Your personal contacts will be pleased to advise and assist you:

Christian Mattschull

Torsten Tups

Stefan Walter

Erection All Risk Insurance (EAR) and Construction All Risk Insurance (CAR)

It is often during installation at the construction site or test runs of machinery prior to the handover to the customer only that defects due to faulty material, constructions, production or assembly are discovered. Unfortunately, these risks cannot be avoided in advance but might lead to high losses. Especially in the export sector there is a need to have a local insurance coverage for construction sites in form of a Contractor All Risk Insurance (CAR-Policy) due to local law.

Your personal contacts will be pleased to advise and assist you:

Christian Mattschull

Torsten Tups

Stefan Walter

Product and Public Liability Insurance

Manufacturing companies can easily be held liable for claims of third parties caused by faulty production, distribution or use of a product or works of a manufacturer, a quasi-producer, an assembler, an EU importer or a supplier who could not find out about the manufacturer of a product. Additionally, the company may be subjected to legal liabilities and recall risks as well.

It is recommended to take out a company liability insurance accordingly, in order to protect the firm against claims due to personal injury, property damage and financial losses resulting thereof as well as other specially defined pecuniary losses. Companies with subsidiaries and associated companies from abroad have to abide by particular rules, especially in the USA and Canada. In some countries it is even prohibited to take out insurance coverage from abroad.
We help you create the suitable insurance coverage and find the appropriate (business) partner in the insurance market.

Your personal contacts will be pleased to advise and assist you:

Gerhard Bugla

Marco Gagliano

Jochen Schädler

Pension Trust Liability Insurance (PTL)

Making mistakes in administration, company management or supervision of special pension plan assets can lead to compensation claims … Insurance coverages for natural and legal persons are possible to reduce the risk…

Your personal contacts will be pleased to advise and assist you:

Gerhard Bugla

Marco Gagliano

Property and Business Interruption Insurance

Not only natural disasters such as windstorms and floods can have serious impacts on your company. Frequently, it is small causes like electrical defects in the battery of a forklift that can cause overnight a high damage to buildings, machinery and equipment as well as inventories of a company.

A properly established business interruption (BI) insurance ensures that a BI loss your company incurred is adjusted as quickly as possible because this is also in the interest of your insurer. Disruption of the normal operations of your company or even a complete standstill of your daily business activities can lead to a significant financial loss which could threaten your company’s existence. If you have a business interruption insurance tailored according to your needs the gross profit lost and the fixed costs like wages and salaries will be reimbursed. We invite you to talk to us about your company and its specifics so we can learn which issues are important to you. Thus, we will be able to find the insurance coverage that suits both you and your company best. On the one hand, we try to identify and minimize your loss potential together with you. On the other hand, we make sure that your company is well prepared and has the right to compensation before a loss occurs.

Your personal contacts will be pleased to advise and assist you:

Anke Mecky

Jochen Schädler

Stefan Walter

Travel Baggage Insurance

Whoever travels a lot has plenty to tell … but also runs the risk of suffering from a total loss or of damage to his luggage. Adequate insurance coverage does not cost a lot and helps to avoid or reduce financial losses.

Your personal contacts will be pleased to advise and assist you:

Birgit Balzer

Anke Mecky

Phichittra Suksaew

Marine Cargo Insurance

Especially in an export-oriented country like Germany many goods are transported by land, sea or air. Therefore it is inevitable that these goods are harmed or get lost entirely. Anyone who solely relies on the forwarders’ liability might not get any compensation at all. However, adequate insurance is not available as an off-the-shelf solution. Furthermore, not everyone is in the comfortable position to deliver their products ex works, leaving it to their clients to take out insurance for the goods. Costly individual shipment declarations risking to have wrong insurance coverage or none at all should also be avoided as trusting ones luck and remaining completely uninsured. Together with you we analyze your risk situation to find the insurance coverage that best fits your requirements.

Your personal contacts will be pleased to advise and assist you:

Birgit Balzer

Anke Mecky

Phichittra Suksaew

Stefan Walter

Environmental Liability Insurance & Environmental Damage Insurance

As the saying goes: “From chipping come chips …”
Many activities, especially those carried out by manufacturing companies can cause damage to third parties (personal injury or property damage) through negative environmental impacts on the soil, air or water, particularly by the use of environmentally relevant equipment.
Added to this is the risk of damage to protected species and natural habitats. One can protect oneself against claims made by third parties and authorities…
Even damages to your own ground can be covered under certain conditions.

Your personal contacts will be pleased to advise and assist you:

Marco Gagliano

Jochen Schädler

Professional Liability Insurance / Professional Indemnity / Errors & Omissions

Professional Liability Insurance is necessary to protect yourself against claims made by third parties due to financial losses they incurred caused by your business activities or other commercial operations.

Your personal contacts will be pleased to advise and assist you:

Marco Gagliano

Jochen Schädler

Fidelity / Crime Insurance

The loyalty and integrity of his staff are fundamental elements for an employer. However, reality often shows that misconducts like misappropriation, forged documents, fraud and betrayal of company secrets are possible to occur. This can lead to significant financial damages.

Your personal contacts will be pleased to advise and assist you:

Marco Gagliano

Christian Mattschull

Torsten Tups