Content Insurance in Germany

Content insurance for international companies with subsidiaries in Germany

Insurance broker Munich will find the right solution for you.

Content insurance – who is it useful for?

If you are an entrepreneur, own your own company or craft business and want to protect your office equipment, goods, cash balance, tools, machines and other inventory against external damage, then contents insurance is the right form of insurance for you.

What damage does content insurance cover?

As a rule, it covers damage caused by fire, storm and hail, water, natural hazards, robbery, vandalism and burglary. Here, the insurance covers the financial damage you have suffered as a result of damage to the inventory and goods. Other costs incurred in connection with the damage are also covered. These can include fire extinguishing costs, clean-up work and expenses for restoring data, files and important documents.

The more stock and operating equipment your company maintains, the more important contents insurance is for the existential security of the company should damage occur.

Carelessness when operating electrical devices must be covered by an extra module, the so-called electronics insurance. More information on this can be found under – Electronics insurance and machine breakdown insurance.

If the damage is such that the business cannot be opened for a certain period of time, business interruption insurance will step in. The insurer will compensate the customer for the lost profit and the fixed costs for the duration of the business interruption.

Content insurance and natural hazard insurance

As an additional component to contents insurance, companies can also apply for insurance against natural hazards. This extends the insurance cover to damage caused by flooding, backwater, subsidence, earthquakes or snow avalanches.

As every company has different needs when it comes to structuring its contents insurance (high cash balance, high inventory, sprinkler system protection, etc.), we recommend individual advice or a site inspection. With contents insurance in particular, underinsurance can result in a significant financial loss – but overinsurance can result in overpriced premiums.

Call us or send us an email. We will be happy to answer your questions.