Security for your business

We develop insurance solutions that fit your business model and cover all important risks. This way, your assets, your employees, and your future remain reliably protected.

Icon Telefonhörer Schwarz
Get free advice
Drei Geschäftskollegen schauen gemeinsam lächelnd auf einen Laptop in einem modernen Büro

Insurance solutions for your business

Business liability insurance

The business liability insurance protects your business from the financial consequences if personal injury or property damage arises from your business activities. It covers legitimate claims and defends against unjustified claims – whether caused by employees, customers, or third parties. Whether you run a craft business, a service company, or a trading enterprise – business liability insurance is a must for every business owner. We help you find the right coverage for your business – customized, reliable, and legally sound.
Financial protection – coverage for personal injury, property damage, and financial losses due to business activities.
Defense against unjustified claims – legal support and cost coverage for unjustified claims.
Protection for employees – insurance also applies to damages caused by employees in the course of their work.
Individually customizable – plans tailored to industry, company size, and risk profile.
Worldwide coverage – also valid for activities or projects abroad.
Business liability insurance reliably protects your business from the financial consequences of damages arising from your business activities. Whether personal injury, property damage, or financial losses – it covers legitimate claims and defends against unjustified claims on your behalf. The insurance coverage also applies to your employees if they cause damage while on duty. With individually customizable plans, tailored to your industry, company size, and risk profile, you get exactly the protection your business needs. You are also optimally covered abroad with business liability insurance. We help you find the right solution for your business – secure, flexible, and reliable.

Contents insurance

Contents insurance protects your business from the financial consequences if your business inventory is damaged or destroyed – for example, by fire, burst pipes, burglary, storm, or vandalism. Machinery, goods, office furniture, and technical equipment are insured. In the event of a claim, the insurance covers the costs for repair or replacement so that your business can quickly resume operations. We help you find the right coverage for your business – reliable, customized, and high-performing.
Comprehensive Protection – Coverage for damages caused by fire, burst pipes, storm, hail, burglary, and vandalism.
Insurance for your Inventory – Protection for machinery, goods, office furniture, and technical equipment.
Coverage for Repair or Replacement – fast financial assistance in case of damage.
Optional Additional Coverage – Extension to include natural hazards or loss of income possible.
Individually Customizable – Tariffs and sum insured flexibly tailored to your company.
Contents insurance reliably protects your company from the financial consequences if your business inventory is damaged or destroyed by fire, burst pipes, storm, hail, burglary, or vandalism. Covered items include machinery, goods, office furniture, and technical equipment – essentially everything that keeps your business running. In the event of damage, the insurance covers the costs for repair or replacement, so you can quickly resume operations. Upon request, coverage can be extended to include natural hazards or loss of income. With individually customizable tariffs and an appropriate sum insured, we ensure your company is optimally protected – simply, securely, and reliably.

Electronics Insurance

Electronics insurance protects your technical devices and systems from unforeseen damages – whether computers, servers, telephone systems, medical technology, or production control. It covers costs in case of short circuits, operating errors, overvoltage, water damage, theft, or vandalism. This ensures your operations remain financially secure and functional even in the event of technical failures. We help you find the right electronics insurance for your company – customized, reliable, and powerful.
Comprehensive Protection – Coverage for damages caused by short circuits, overvoltage, water, theft, vandalism, or operating errors.
Insurance for all Electronic Devices – e.g., computers, servers, telephone systems, POS systems, or medical technology.
Coverage for Repair or Replacement – fast financial assistance in case of damage.
Expandable to include Consequential Costs – e.g., data recovery, software restoration, or rental equipment.
Individually Customizable – optimal protection for companies of all sizes and industries.
Electronics insurance offers comprehensive protection for all technical devices and systems in your company – from computers and servers to telephone systems, POS systems, or medical technology. It covers costs in case of short circuits, overvoltage, water damage, theft, vandalism, or operating errors, ensuring you can quickly resume operations in the event of damage. Additionally, consequential costs such as data recovery, software restoration, or rental equipment can be included. Thanks to individually customizable tariffs, the insurance coverage can be perfectly tailored to the size and industry of your company. This ensures your technology is always optimally protected – we help you find the right solution.

Cyber Insurance

Cyber insurance protects your company from the financial consequences of cyberattacks, data loss, or hacker attacks. It covers costs for data recovery, IT forensics, business interruption, and potential compensation claims. Additionally, it assists with crisis management and provides IT experts and legal support. This ensures you remain operational and financially secure even in a digital emergency. We help you find the optimal cyber protection for your company – customized, secure, and future-oriented.
Protection against Cyberattacks – Security against hacker attacks, malware, and data misuse.
IT Damage Cost Coverage – Restoration of data, systems, and networks.
Business Interruption Coverage – financial protection in case of business interruption due to a cyber incident.
Legal Support – Coverage of attorney fees, court costs, and compensation claims.
Immediate assistance in a crisis – 24/7 access to IT experts, forensic teams, and crisis communication.
Cyber Insurance protects your company from the financial consequences of digital threats such as hacker attacks, malware, or data misuse. It covers the costs for data and IT system restoration, provides legal support for claims for damages, and covers loss of earnings due to business interruptions. In an emergency, a team of IT experts, forensic specialists, and crisis consultants is available around the clock to quickly limit damage and restore your company's operational capacity. With individually customizable protection, your business remains secure in the digital world – we help you find the right Cyber Insurance.

Professional Indemnity Insurance

Professional Indemnity Insurance protects you or your company from the financial consequences if a professional error causes a pure financial loss for a client or third party. It is indispensable, especially for consultants, service providers, brokers, or freelancers, as even minor oversights can lead to significant costs. The insurance covers justified claims for damages and defends against unjustified claims – so you can fully concentrate on your work. We help you find the right protection for your professional risk – individual, reliable, and legally sound.
Financial protection for actual financial losses – coverage when clients suffer financial damage due to professional errors.
Defense against unjustified claims – legal review and coverage of costs for unfounded claims.
Customizable – policies specifically for consultants, brokers, service providers, and freelancers.
Coverage even for slight negligence – protection even for minor oversights or errors.
Legal certainty in daily professional life – reliable protection against financial risks and liability claims.
Professional Indemnity Insurance reliably protects you from the financial consequences if a professional error causes a pure financial loss for a client or third party. It is indispensable, especially for consultants, brokers, service providers, and freelancers, as even minor oversights can lead to significant costs. The insurance covers justified claims for damages and defends against unjustified claims for you – even in cases of slight negligence. With individually customizable policies, you receive optimal protection that precisely matches your professional risk. This way, you work with security, confidence, and legal protection – we help you find the right solution.

D&O Insurance

D&O Insurance – also known as Management Liability Insurance – protects managing directors, board members, and senior executives from the financial consequences of errors in judgment in their daily professional lives. If an oversight or a wrong decision causes damage to the company or third parties, personal liability can quickly become financially ruinous. D&O Insurance covers justified claims for damages and defends against unjustified claims. This allows executives to remain operational without risking their personal assets. We help you find the optimal D&O coverage for your company – secure, transparent, and individually tailored.
Protection against personal liability – security for managing directors, board members, and senior executives in case of professional errors in judgment.
Coverage for justified claims – the insurance pays claims for damages to injured parties.
Defense against unjustified claims – legal review and coverage of defense costs.
Protection of personal assets – safeguards executives from financially ruinous burdens.
Customizable insurance coverage – tailored to company size, industry, and area of responsibility.
D&O Insurance – also known as Management Liability Insurance – offers managing directors, board members, and senior executives effective protection against the financial consequences of poor decisions. Even a small error can cause significant financial damage, for which executives are personally liable. D&O Insurance covers justified claims for damages and defends against unjustified claims – ensuring your personal assets remain protected. Additionally, it provides professional legal defense and covers all associated costs. The insurance coverage can be individually tailored to your company's size, industry, and structure. We help you find the right D&O solution – so you can make decisions confidently and lead with trust.

Bad Debt Insurance

Bad Debt Insurance protects you if someone causes you damage but cannot or will not pay – for example, after an accident or property damage. In such cases, the insurance steps in and covers the financial compensation that the perpetrator cannot provide. This way, you won't be left to bear the costs and are protected even if the party at fault is insolvent. We help you find the right coverage – reliable, fair, and straightforward.
Financial protection – covers your damage if the perpetrator cannot pay.
Protection in case of the perpetrator's insolvency – coverage even with bankruptcy or lack of liability insurance.
Covers personal injury, property damage, and financial losses – comprehensive coverage in many everyday situations.
Extension of private liability insurance – can be easily integrated into existing policies.
Quick and unbureaucratic claims processing – you receive your financial compensation promptly.
The bad debt insurance reliably protects you if someone causes you damage but cannot cover the costs – for example, after an accident or in the case of property damage. In such cases, the insurance provides the financial compensation that the actual perpetrator cannot provide, for instance, due to insolvency or lack of liability insurance. Personal injury, property damage, and financial losses are covered, ensuring you are protected in almost all everyday situations. Bad debt insurance can be easily integrated into your private liability insurance and ensures quick, unbureaucratic claims processing in the event of damage. This way, you remain financially protected – even when others are not.

Surety Bond Insurance

The surety bond insurance is the flexible alternative to a traditional bank guarantee. It provides guarantees to clients – for example, for warranty, advance payments, or contract fulfillment – securing your financial obligations without burdening your bank credit line. This strengthens your liquidity and gives you more financial leeway for new projects. We help you find the right surety bond insurance for your company – quickly, securely, and straightforwardly.
Secure liquidity – relieves your bank credit line and improves your financial flexibility.
Comprehensive protection – covers warranty, advance payment, rental, or contract fulfillment bonds.
Quick bond issuance – straightforward processing and short turnaround times.
Strengthened creditworthiness – improves your company's rating with clients and partners.
Individually customizable – tariffs and bond limits flexibly tailored to your industry and company size.
The surety bond insurance is the smart alternative to a traditional bank guarantee, providing more financial freedom for your company. It covers bonds for warranty, advance payments, rent, or contract fulfillment, while simultaneously relieving your bank credit line. This way, your liquidity is maintained, and you can flexibly undertake new projects. The quick issuance and simple administration make surety bond insurance particularly attractive for companies of all sizes. It also strengthens your creditworthiness with clients and partners. With individually customizable tariffs and bond limits, we help you find the optimal solution – secure, efficient, and economical.

Legal Expenses Insurance

The legal expenses insurance helps you assert your rights – whether in traffic, at work, in everyday life, or around your home. It covers the costs for lawyers, courts, experts, and mediation, so you don't have to worry about high expenses in the event of a dispute. Whether it's a private, professional, or traffic-related conflict – with legal expenses insurance, you are legally and financially secure. We help you find the right protection for your needs – fair, reliable, and transparent.
Cost coverage in disputes – covers lawyer, court, expert, and mediation fees.
Comprehensive protection – covers private life, work, traffic, and housing.
Free choice of lawyer – you decide who you trust.
Out-of-court dispute resolution – Mediation support for a quick settlement.
Individually customizable – plans and benefit modules according to your personal needs.
The legal expenses insurance offers you security in the event of a legal dispute – whether in your private life, profession, road traffic, or related to housing. It covers the costs for lawyers, court, experts, and mediation, so you can assert your rights without worry. Thanks to free choice of lawyer, you decide who you trust. If desired, mediation can help you resolve conflicts quickly and out of court. With flexible plans, you get exactly the legal protection that suits your life – we help you find the optimal solution so you are perfectly covered in an emergency.

Still have questions? Speak with our experts now.

Icon Telefonhörer Schwarz
Get free advice
Schedule a consultation

4 Reasons to choose Klugversichert

01

Dedicated Contact Person

You get a dedicated contact person with us. No call center, no waiting.
02

Independent & Honest

We work independently and honestly tell you what makes sense.
03

Clear and simple

We speak plainly – no jargon, just genuine understanding.
04

Always by your side

Once your policy is active, we'll be there for any questions and in case of a claim.
Drei Hände unterschiedlicher Hautfarben berühren sich in einer Geste der Verbundenheit

Customer Feedback

Our customers particularly value our clear advice, genuine support, and the reassuring feeling of being understood.
Icon Anführungszeichen Dunkelgrün
Finally understood everything – in English.
"I had no idea about the German insurance system – and was completely overwhelmed. Klugversichert explained everything to me step-by-step, in English, patiently and clearly. Now I finally feel secure and well-covered – without language barriers."
– René S., Expat
Icon Anführungszeichen Dunkelgrün
Fully there for me in an emergency.
"After an operation, I didn't know how to handle all the insurance matters – but Klugversichert took care of everything. I just had to send the invoices, the rest was easy. That's what real support feels like!"
– Manoj D., Expat
Icon Anführungszeichen Dunkelgrün
Tailored insurance package for my business.
"I run a small business – and Klugversichert put together a perfectly tailored insurance package for me. Everything was simple, fast, and personal. Highly recommended!"
– Lukas U., Entrepreneur

Frequently Asked Questions

Which insurance policies are essential for businesses?

The key elements are:
- Business liability insurance – protects against damages to third parties
- Contents insurance – protects furnishings, goods, and supplies
- Electronics insurance – protects technology such as PCs, servers, or machinery
- Cyber insurance – protects against hacker attacks and data loss

This combination provides the foundation for most businesses.

What does business liability insurance cover?

The business liability insurance covers you if you or your employees cause harm to third parties:
- Personal injury (e.g., injuries)
- Property damage (e.g., damaged property)
- Consequential financial losses
‍
It is one of the most crucial types of insurance – often even essential for survival.

Why do I need contents insurance?

The contents insurance covers everything inside your business:
- Office furniture/equipment
- Machinery
- Goods & inventory
Typical risks:
- Fire
- Water damage
- Burglary
- Storm/hail
‍
Without it, damage can quickly cripple the entire business.

When does electronics or cyber insurance make sense?

If your business depends on technology or data:
‍Electronics insurance → for damage to devices (e.g., operating errors, short circuits, overvoltage)
‍Cyber insurance → for hacker attacks, data loss, business interruption
‍
Cyber risks, in particular, are often underestimated – yet they impact almost every business today.

What should I pay particular attention to?

The greatest risks are often hidden in the details:
- adequate coverage amounts
- also cover business interruption
- consider individual risks (industry-specific!)
- regular adjustments for growth
‍
Effective coverage isn't a one-size-fits-all solution; it needs to be tailored to your business.

Illustration von drei lächelnden Personen, eine zeigt den Daumen hoch

Are you unsure which insurance is right for you?

Our experienced team will advise you personally and find the right solution together with you.
Icon Telefonhörer Weiss
Get Free Advice
Schedule a Consultation