Services for private clients

Whether you own or rent an apartment or house, household contents insurance covers furniture and fixtures, trimmings and linings, and household appliances, as well as books, cash and objects of value, camping and leisure goods, and equipment used for your profession. Just like personal liability insurance, household contents insurance is one of the essential insurance products for assuring your livelihood.

Valuable contents deserve special protection. With an additional all-risks-cover, you are not only insured against burglary, water damage, fire, storm/hail, glass breakage and natural hazards, but also against loss, misplacement or simple theft of household items.

Buildings insurance protects your residential property against unpredictable hazards such as fire, lightning, explosion, tap water, burst pipes, storm, hail and natural hazards, thus saving you from financial losses.

Whether you own a home or rent it out, property owner’s liability insurance protects yourself from third-party claims arising from personal injury and property damage incurred in your home and on your property. The coverage includes, for example, liability claims against the owner if he has forgotten to grit the sidewalk in front of his house when it is icy and a pedestrian has been injured as a result.

Whether you own a home or rent it out, property owner’s liability insurance protects yourself from third-party claims arising from personal injury and property damage incurred in your home and on your property. The coverage includes, for example, liability claims against the owner if he has forgotten to grit the sidewalk in front of his house when it is icy and a pedestrian has been injured as a result.

Pet owner’s liability insurance covers all third-party liability claims caused by your dog or horse, for example, if a dog breaks loose from its leash and causes a traffic accident or injures another animal. In individual cases, other domestic animals may be included in the pet owner liability cover upon special agreement.

Motor vehicle liability insurance protects the policy holder, driver and registered keeper of the vehicle against both justified and unjustified liability claims involving the vehicle. Optional fully comprehensive or partially comprehensive insurance additionally covers anything that may occur when using the vehicle, such as damage, destruction or loss.

Accident insurance compensates your financial losses due to your inability to work and loss of earnings after an accident – regardless of whether the accident was caused by someone else’s fault or your own negligence. With accident insurance, you do not have to fear any economic difficulties as a result of an accident.

Legal protection insurance covers your attorney’s fees, court costs, enforcement costs and other costs that can be attributed to you (such as the other party’s legal expenses) in general legal proceedings. With legal protection insurance, you can rely on expert advice and support if a dispute arises and protect your claims even in complex cases.

Principal’s liability insurance protects you against third-party claims arising from a private construction project. The public liability insurance held by the construction company that executes the project does not automatically protect the principal from third-party claims in every case. For example, third-party claims against a principal may arise if the building site has not been properly secured and passers-by or those working on the site are injured as a result.

Unforeseen structural damage caused by flooding or storms as well as vandalism or construction errors can mean the end of a new building if the right protection is not in place. Contractors all-risk-insurance protects the principal from the financial impact of structural damage during renovation of existing buildings and construction of new buildings, thus ensuring that the building project will be completed. Covered damage includes glass breakage, damage caused by extraordinary natural disasters such as hurricanes, windstorms and flooding, and also theft of fixed installations and damage caused by negligence and vandalism.