Commercial & industrial lines
Insurance programmes built around your operations.
As a broker licensed under Section 34d of the German Trade Regulation Act, we analyse your risks, tender them across 100+ insurers and manage your programme year after year — including claims advocacy on your side of the table.
General & product liability
Third-party bodily injury, property damage and financial loss — including extended product liability for manufacturers and suppliers.
How it works in Germany →Commercial property
Buildings, machinery, equipment and stock against fire, water, storm, theft and natural hazards — or on an all-risks basis.
Business interruption
Lost gross profit and continuing fixed costs after an insured property loss, with indemnity periods matched to real recovery times.
Cyber
24/7 incident response, data restoration, cyber business interruption and third-party liability including GDPR proceedings.
How it works in Germany →Directors & Officers
Defence costs and indemnity for claims against executives — the personal-asset backstop for management.
How it works in Germany →Engineering lines
Machinery breakdown, electronic equipment, erection and construction all-risks — including machinery business interruption.
Marine cargo
Full-value cover for goods in transit worldwide, far beyond statutory carrier liability, plus freight liability for logistics providers.
Motor fleet
One framework agreement for the whole fleet — cars, vans, trucks and self-propelled machinery.
How it works in Germany →Legal expenses
Employment disputes, tax proceedings and criminal defence without cost risk.
Company pensions
Occupational pension schemes (bAV) that help you win and keep skilled employees.
Professional indemnity (E&O)
Pure financial loss cover for consultants, IT providers, planners and administrators.
How it works in Germany →Specialty lines
Trade credit, crime/fidelity, event cancellation, fine art, renewables, W&I — placed with specialist markets.
Insurance in Germany, explained in English
Guides for foreign-owned companies and founders.
Insurance for foreign companies in Germany
What is mandatory, what your landlord and customers expect, and what is simply sensible.
Business liability insurance
Betriebshaftpflicht: public and product liability in one German policy.
D&O insurance
Personal liability cover for managing directors of a German GmbH.
Professional indemnity & Tech E&O
Pure financial loss cover for SaaS, software, IT and consulting firms.
Cyber insurance
Incident response, own losses and liability after a cyber attack.
Fleet insurance
One framework agreement for company cars, vans and trucks.
Contractor & freelancer insurance
Liability cover and certificates for contractors working in Germany.
Licensed broker (§ 34d GewO)
Reg. no. D-Y7GD-S7M7K-61
VEMA partner
Access to special concepts from 100+ insurers
On your side
We work for you — not for an insurer
Munich & worldwide
Local policies for foreign subsidiaries
Let's talk about your insurance cover.
Free and without obligation: we review your existing policies and show you where the gaps and savings are.
Or without a meeting: send us your policies for review →