Because insurance solutions only protect if they really fit

Covers justified claims for damages by third parties following personal injury or property damage arising in the course of business activities, or defends against unjustified claims.
A must-have for every business!

We offer our own framework agreements with special wording that are market-leading and extremely comprehensive.

Essential for advisory, auditing or planning professions (e.g. architects, tax consultants, IT service providers). The insurance covers pure financial losses that may result from professional errors.

Concept development, tendering and processing in the area of "all-risk" property and business interruption insurance (international), insurance for business premises/machinery/goods, stocks and equipment against risks such as fire, water, storm, burglary or other natural hazards such as various forms of catastrophic damage.

With our market-leading framework agreements and special wordings, we are able to design high-quality insurance cover.

Covers loss of earnings and fixed costs if operations are halted following insured property damage. Complements property insurance. The insurance generally covers lost contribution margins, but additional costs or lost rent, for example, can also be covered.

Covers the costs of legal disputes, including solicitors, courts and expert opinions. Assists in enforcing claims. Important: Costs are also covered in criminal proceedings.

Thanks to our market-leading framework agreement, which we negotiated on behalf of IGV Austria, we are able to offer extremely favourable premiums and comprehensive insurance cover, including various extensions and special agreements.

Dank unseres marktführenden Rahmenvertrags, den wir im Auftrag von IGV Austria mitverhandelt haben, können wir äußerst günstige Prämien und einen umfassenden Versicherungsschutz anbieten, einschließlich verschiedener Erweiterungen und Sondervereinbarungen.

We have global and comprehensive transport insurance programmes with individually negotiated wording in our portfolio.

Protects goods against damage or loss during transport. Particularly important for manufacturing and trading companies.

Covers damage to machinery, technical equipment or electronic devices – e.g. due to operating errors, material defects, short circuits, internal operational damage or external influences. Particularly relevant for businesses with production facilities or sensitive electronics (servers, medical technology, IT). Complements traditional property insurance in a targeted manner.

Protects organs and executives against personal liability claims resulting from breaches of duty. Relevant for corporations and associations.

Here, we can offer fast and targeted solutions with our specialised partners using special wording and framework agreements.

Development, negotiation and drafting of motor vehicle fleet contracts, own wording and terms and conditions.

Covers justified claims for damages by third parties and defends against unjustified claims.

Special comprehensive insurance conditions for company vehicles, cars, mobile machinery or even classic/modern classic cars as part of our motor vehicle fleet agreements.

Supplements motor vehicle liability insurance and also protects your own vehicle, for example in the event of accidents caused by yourself or vandalism.

Protects against customer payment defaults and also performs an important information function. Important for companies that work with open supplier credit. Provides protection even in the event of non-payment after the payment deadline has been exceeded.

Credit insurance can be an essential component of receivables and risk management. It secures receivables and reduces the risk of default. This protects profits and cash flow and promotes growth. It can also improve your credit rating, as the receivables are now more valuable to the bank.

Covers damage caused by deliberate actions of employees or third parties, such as fraud, embezzlement or social engineering.

Construction insurance is a type of property insurance. It offers protection against damage or destruction.
von Bauleistungen während des Herstellungsprozesses.

The client and all contractors are insured against damage to the building during construction.

Particularly important in the construction and engineering sectors: reduces bank exposure (commitments) and thus promotes liquidity, requires no collateral and, with a good credit rating, often offers better terms than banks.

Possible types of guarantees include retention deposits, coverage deposits, bidder guarantees, performance guarantees and warranty guarantees.

Covers costs and risks associated with business travel, such as medical emergencies or lost luggage. Here directly available.

Extends the benefits of statutory health insurance, for example through special class in hospital or shorter waiting times.

Provides benefits in the event of permanent disability, accidental death as a result of an accident or various accident-related costs. Supplements statutory accident insurance.

Insures your own house, including outbuildings and fixed components such as the roof, windows and heating system. Damage caused by fire, tap water, storms or burglary is usually covered. In any case, you should always supplement this with home and property liability insurance.

Insurance covers furnishings, clothing, electrical appliances and personal belongings against natural hazards such as fire, tap water, storm, burglary and vandalism. Also includes standard personal liability insurance (‘risks of everyday life’) – this satisfies justified claims for damages by third parties and defends against unjustified claims.

Secures income if you are permanently unable to work due to illness or accident.

Provides financial security for surviving dependants or serves as credit protection in the event of death.

Specially tailored to freelancers to cover loss of income in the event of prolonged illness or occupational disability.

Tax-privileged private pension scheme in Austria. Intended as supplementary retirement provision.

We are happy to offer solutions in cooperation with your tax advisor.

Insures bicycles and e-bikes against theft or damage.

Covers veterinary or surgical costs for pets. This type of cover is almost exclusively relevant for private customers.

Protects pet owners from claims for damages if their animal causes injury to persons or damage to property. In some Austrian provinces, dog liability insurance is required by law. This is important protection to avoid financial risks from unforeseeable damage.

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