A single mistake can ruin your business

Every business is unlimitedly liable for damages to third parties — including mistakes made by employees. The right business liability insurance protects your livelihood.

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Your Commercial Liability Insurance — Tailored to You

A single liability claim can threaten the very existence of your business. Commercial liability insurance protects you against personal injury, property damage, and financial losses arising in the course of your business operations. We compare over 150 insurers and find the policy that fits your business precisely — industry-specific, high-performance, and fairly priced.

Commercial General Liability Coverage

Personal Injury

Medical treatment costs, pain and suffering compensation, and pension claims for injuries to customers or passersby.

Property Damage

Damage to customer property, rental premises, or third-party vehicles.

Financial Losses

Consequential financial damages — production downtime, loss of profit suffered by the injured party.

Product Liability

Liability for defective products under the Produkthaftungsgesetz.

Environmental Liability

Protection against environmental damage caused by business operations (water, soil, air).

Subcontractor Liability

Coverage for damages caused by commissioned subcontractors.

Which businesses is this for?

Trades & Construction

High damage risks on construction sites — personal injury and property damage to client properties.

Service Providers & Consultants

Financial losses due to faulty advice or delayed delivery.

Retail & Hospitality

Customer accidents on premises, product liability, hygiene risks.

IT & Technology

Data loss, system failures, liability towards clients.

What is covered?

Versichert

Personal injury and property damage to third parties
Financial losses resulting from personal injury or property damage
Product liability for manufactured or delivered goods
Rental property damage to commercially used premises
Damages caused by employees on duty
Basic environmental liability coverage (depending on tariff)
Legal defense and litigation costs
Loading and unloading damages

Nicht versichert

Intentionally caused damages
Damages to own business property
Contractual penalties and fines
Pure financial losses without personal injury or property damage
Motor vehicle damages in road traffic (→ Motor Vehicle Liability)
Damages caused by nuclear energy or war

How We Protect Your Business

Risk Analysis

We capture your industry, revenue, number of employees, and specific liability risks.

Coverage Concept

A tailored concept including all industry-relevant components.

Market Comparison

Requests submitted to specialized commercial insurers to find the best offer.

Implementation

Contract drafting, policy issuance, and integration into your risk management.

Frequently Asked Questions About Business Liability Insurance

Not legally required, but economically essential. For many industries and clients, it is a prerequisite for working together. Without business liability insurance, you are personally and unlimitedly liable.

The premium depends on the industry, revenue, and number of employees. An office business with 5 employees often pays only €300–600 annually. Trades businesses range from €500–3,000 depending on the trade.

Yes, business liability insurance also covers damages caused by your employees during business activities. Recourse liability against the employee is included.

Business liability insurance protects the company, while D&O insurance protects you personally as a managing director. Both policies complement each other and should be combined.

Compare Business Liability Insurance

Free and non-binding — protection for your business.

Request a non-binding commercial liability quote

We create a tailored offer for you — specialized for your industry.

Request a quote 0711 · 2172 3240