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Contents Insurance — Protecting Business Inventory | Hörz & Haapamäki | Hörz & Haapamäki — Das Versicherungshaus

Contents Insurance

Water damage overnight — and tomorrow everything is gone

Machinery, goods, furnishings — your entire business inventory can be destroyed by fire, water, or burglary. Protect your economic foundation.

Request a Quote 0711 · 2172 3240

Your Business Inventory — Protected Against All Risks

Machinery, goods, fixtures and stock — contents insurance protects your business inventory against fire, burglary, water damage and storm. We calculate the actual insured value and avoid under- and over-insurance.

Typical Claim Scenarios

Fire

A fire destroys office furniture, computers, and important documents.

Burglary & Theft

Burglars steal high-value electronics and tools.

Water Damage

A burst pipe floods the storage area and damages goods.

Storm & Hail

Roof damage leads to rainwater entering the business premises.

What Contents Insurance Covers

Fire & Lightning

Full compensation for fire, lightning strike, and explosion.

Burglary & Theft

Reimbursement for stolen items and vandalism damage.

Water Damage

Damage caused by water escaping unintentionally from pipes.

Electronics Insurance

Expandable coverage for IT equipment and electronics.

Storm & Hail

Protection against damage to inventory and goods caused by severe weather.

Business Interruption

Optional: Ongoing costs are covered when operations come to a standstill following a loss.

Which Businesses Is This For?

Retail

Protect inventory and store fixtures against fire and burglary.

Office Businesses

Secure IT equipment, furniture, and files.

Trades & Crafts

Protect tools, machinery, and materials on the premises.

Hospitality

Insure kitchen equipment, furnishings, and stock.

What is covered?

Versichert

Fire, lightning strike, explosion
Burglary and vandalism
Water pipe damage
Storm and hail from wind force 8
Business equipment, machinery, goods and stock
Third-party property in the care of the business
Clean-up and disposal costs
Moving and protective costs for at-risk items

Nicht versichert

Damage caused by earthquakes, flooding (without natural hazards add-on)
Normal wear and tear
Theft without signs of break-in
Damage to the building itself (→ Property Insurance)
Intentionally caused damage
War and terrorism damage (without specialist coverage)

How We Insure Your Inventory

Inventory Assessment

Recording all business assets and their replacement value.

Risk Analysis

Location, construction type, security systems, and claims history.

Coverage Concept

Basic or all-risk coverage with suitable extensions.

Insurance Protection

Policy conclusion with waiver of underinsurance clause.

Frequently Asked Questions

The building insurance covers the building itself. The contents insurance covers everything inside it: furnishings, machinery, and goods.

The sum insured should correspond to the replacement value of all inventory. We will help you determine this to avoid under- or over-insurance.

Depending on industry, location, and sum insured: from approx. 200–500 EUR/year for small offices to several thousand EUR for large warehouses.

Typical exclusions include damage caused by war, nuclear energy, intentional acts, and normal wear and tear. Flooding and earthquakes are also only covered through a natural hazards insurance add-on.

Yes, the premiums for contents insurance are fully tax-deductible as a business expense. They reduce your profit and therefore your tax burden.

Request Consultation

Free and non-binding — we will get back to you within 24 hours.

Protect Business Inventory

We find the right coverage for your business inventory.

Request a Quote 0711 · 2172 3240