Premium commercial protection from €150/month. Elite professional liability & business interruption coverage. VIP EXCLUSIVE quality.
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Professional liability focus
€200-800/month
Property + general liability
€300-1,200/month
Comprehensive coverage
€500-2,000/month
Factory burns down, 6-month rebuild
Lost revenue: €500,000+
Systems down for 2 weeks
Lost revenue: €100,000+
Flood closes business 1 month
Lost revenue: €200,000+
Professional liability insurance is mandatory for certain professions (doctors, lawyers, architects). All employers must have workers' compensation insurance. Vehicle insurance is required for company cars.
Coverage should reflect your business risks and assets. General liability should be at least €1-5 million, professional liability €1-10 million depending on profession, and property insurance should cover full replacement costs.
Standard homeowner's insurance typically excludes business activities. You may need separate business insurance or a home business endorsement to cover equipment and liability.
Directors & Officers insurance protects company leadership from personal liability for business decisions. It's required for publicly traded companies and recommended for GmbH with outside investors.
Basic coverage can start within 1-3 days. Complex businesses or high-risk industries may require underwriting that takes 2-4 weeks. Start the process early to avoid coverage gaps.
For complex businesses or multiple coverage needs, a broker can save time and money by comparing options and managing claims. Simple businesses may be able to purchase directly from insurers.