Property Insurance

Foundation of your property coverage

Buildings, production plants, technical facilities, inventories, and operational infrastructure form the economic substance of a company. A fire, an explosion, mains water damage or a natural event can significantly affect these assets within a very short time and jeopardize operational stability. Property insurance is therefore a key component of risk management for industrial and commercial enterprises.

Comprehensive property coverage for industry and commerce

Modern property concepts, such as our own Pro Client Property/BI 2023, are now predominantly designed as all-risk coverage policies. These policies cover all risks that have not been expressly included.

Advantage: This approach offers greater planning security over classic policies that are limited to a list of risks, especially for medium-sized businesses and manufacturing companies with complex operating structures. The decisive benefits are the correctly determined insured sums, calculated based on the replacement value, and the transparent terms. What is more, the coordination with such supplementary components as loss of revenue, extra expense, business closure or loss of rent insurance is clearly structured. The interplay of these components creates an overall concept that protects the material assets along with ensuring the economic continuity of the company.

Nahaufnahme eines „Closed“-Schilds an einer Glastür, im Hintergrund ein geschlossenes Café oder Geschäft.

Business closure insurance

Not every business interruption is the result of property damage. In certain industries, official orders may require a company to temporarily shut down fully or partially.

Industrielle CNC-Fräsmaschine bei der Metallbearbeitung in einer Produktionsumgebung.

Extra expense insurance

Following property damage, companies are not only focused on repairing the damage itself, but above all on restoring operational capability as quickly as possible.

Geschäftsmann und Geschäftsfrau gehen gemeinsam durch ein modernes Bürogebäude mit Glaswänden.

Loss of rent insurance

If a commercially used property becomes wholly or partially unusable as a result of an insured property damage event, property owners face immediate loss of income. Rental payments cease, while financing and operating costs continue to accrue.

Große Industriehalle mit gelagerten Metallträgern und Produktionsanlagen im Hintergrund.

Loss of revenue insurance

Property damage does not end with the repair of buildings or machinery. For industrial and commercial businesses, the greatest economic burdens often arise only afterwards.