A single mistake can ruin your business
Your Commercial Liability Insurance — Tailored to You
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
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Free and non-binding — protection for your business.
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We create a tailored offer for you — specialized for your industry.