Liability Insurance

Liability risks under control - with the right insurance cover

Companies and the self-employed are constantly reaching for the top. But potential stumbling blocks lurk at every step: a variety of risks that can quickly lead to considerable claims for damages in the event of unforeseen events. Whether in day-to-day business, during production, at events or when handling sensitive data – you are exposed to a wide range of liability risks every day.

Customised protection against individual liability risks

MRH Trowe offers you a comprehensive portfolio of liability insurance policies that are precisely tailored to your industry, your business model and your individual risk profile. Our range of services includes traditional professional indemnity insurance, industrial liability risks, environmental liability and special requirements – such as cover for the use of drones.

We advise you personally and work with you to develop customised insurance solutions so that your company is protected in the event of a claim – in a legally secure, optimally economical and future-proof way.

A drone in flight in daylight against a natural background, symbolizing the need for insurance when using technology.

Drone liability insurance

In Germany, anyone wishing to fly a drone outdoors must take out drone insurance before the first launch; this is required by law.

Aerial view of a wastewater treatment plant with basins and technical facilities, symbolizing environmental risks and protection through environmental damage insurance.

Environmental damage insurance

Since 2007, companies have been legally obliged to pay for environmental damage to biodiversity, bodies of water and owned, rented or leased land.

A pipe discharging water or liquid into a natural environment, highlighting potential environmental impact caused by businesses.

Environmental liability insurance

Environmental liability insurance protects your company from financial consequences if your business activities cause environmental damage that affects water, soil or air and results in legal claims from third parties.

An advisor explains financial charts to a client on a tablet, symbolizing consultation, risk analysis, and tailored insurance solutions.

Financial loss liability insurance

Even self-employed or freelance professionals are not immune to errors. Be it a missed deadline, incorrect information or incorrect professional advice.

A complex industrial facility with pipelines, valves, and measuring instruments, symbolizing production risks and protection through industrial liability insurance.

Industrial liability insurance

Even in industrial companies with a structured organisation, small mistakes can have major consequences. For example, due to production shortages, faulty products or organisational failings.

An engineer wearing a safety helmet and high-visibility vest in front of a large photovoltaic installation, symbolizing operator liability insurance in the renewable energy sector.

Operator’s liability insurance

Operator’s liability insurance provides comprehensive protection against damage that may occur in connection with a photovoltaic system.

A group of people in a seminar room, symbolizing events and protection through event organizer liability insurance.

Organiser’s liability insurance

Anyone who plans an event bears responsibility. If damage is caused during the event, for example by your own employees or authorised third parties, you may quickly be faced with high claims.

A person holding a tablet displaying an online patent application, symbolizing the protection of inventions and patents.

Patent liability insurance

Those who invest in research and development often create a considerable part of their company value through their own patents, designs or utility models.

Empty conveyor belts in a production hall, symbolizing production downtime and protection through product outage insurance.

Product failure insurance

An unplanned production shutdown can quickly lead to high financial losses for companies. Be it due to technical defects, natural disasters or other unforeseen events.

Automated manufacturing of plastic components in a production facility, symbolizing product safety and protection through product protection insurance.

Product protection insurance

Defective products can have considerable financial and legal consequences. Product protection insurance helps you to protect yourself effectively against liability risks.

Professional liability insurance

Self-employed persons and freelancers bear a high risk of being held liable towards third parties in the event of damage caused professionally.

A modern office with workstations, computers, and open-plan work areas, symbolizing business operations and protection through public liability insurance.

Public liability insurance

As a company, you are liable for personal injury, property damage or financial loss caused by your business activities or your products.

A scientist using a pipette to examine samples in Petri dishes, symbolizing quality control, product safety, and protection through product recall insurance.

Recall cost insurance

A product is faulty or harbours potential risks for consumers? In such cases, a recall may be unavoidable - and involve considerable costs.

Vehicle recall cost insurance

Recall campaigns can cause considerable costs of companies in the automotive industry - for example for return transport, repairs, replacement vehicles or client communication.