A construction site accident can ruin your business
— we make sure you're protected
The Biggest Risks for Skilled Trades Businesses
These scenarios affect tradespeople and construction companies more often than you might think.
Workplace Accident on the Construction Site
An employee falls from scaffolding. Statutory accident insurance is often insufficient — claims for compensation can hit your business hard.
Machinery Damage & Theft
Excavators, cranes, specialist tools: a single theft or breakdown can delay projects by weeks and cause five-figure costs.
Warranty & Liability
Defective work can lead to damage claims years down the line. Without adequate liability insurance, you are personally liable with your private assets.
Fleet Risks
Company vehicles and vans are the backbone of your business. A total loss without comprehensive insurance can seriously disrupt your operations.
Why Tradespeople Need an Independent Broker
Industry-Specific Rates
Not every insurer understands the trades. We know the specialists and find rates that fit your craft exactly.
Everything From One Source
Commercial liability, machinery, fleet, company pension plans — one contact for all insurance questions. No insurance jungle.
Optimize Costs
We consolidate your policies and leverage volume discounts. Trade businesses often save 20-30% compared to individual contracts.
Grows With Your Business
New employee? New machine? We adjust your coverage — proactively, not only when it's too late.
The optimal insurance package for trade businesses
Versichert
- Business Liability Insurance (incl. work-related damages)
- Contents and Business Insurance
- Machinery and Tools Insurance
- Business Interruption Insurance
- Fleet Insurance (Liability + Comprehensive)
- Builder's Liability Insurance for own projects
Nicht versichert
- Group Accident Insurance (recommended from 3 employees)
- Company Pension Plan (take advantage of tax benefits)
- Legal Expenses Insurance (for contract disputes)
Optimal Protection in 4 Steps
Business Analysis
We record your trade, your number of employees, your machinery, and your typical project situations.
Risk Assessment
Based on your business profile, we identify the critical insurance gaps — specific to your industry.
Comparison & Quote
We compare over 150 insurers and create a tailored package with a transparent cost breakdown.
Ongoing Support
Annual review, claims management, and adjustments for business changes — one call is all it takes.
From real life: Actual claims cases
Water damage caused by faulty installation
A plumber incorrectly lays a water pipe. Two floors are flooded. The building damage and loss of rental income add up.
Roofer accident with personal injury
A passerby is struck by a falling roof tile. Severe head injury with permanent consequences. Pain and suffering compensation and treatment costs.
Excavator theft on the construction site
Over the weekend, a mini excavator (new value 85,000 €) is stolen from the construction site. Without machinery insurance, the loss falls on the business.
Frequently Asked Questions About Trade Business Insurance
Protect Your Craft Business — Request a Consultation Now
Free initial consultation, no-obligation insurance comparison across 150+ providers. We find the optimal coverage for your trade.