Contents insurance

Contents insurance, also known as business or business contents insurance, protects a company's inventory and business equipment against damage caused by various risks.

The most important thing is the content

Contents insurance - what is it?

Unforeseen events such as fire, burglary or water damage can cause serious losses to your inventory or business equipment. With contents insurance, you are protected against all eventualities.

Facts & Figures

0 % of companies in Germany report a claim at least once a year

0 Mrd. € the average premium volume in Germany is

0 % of the reported damages are burglary damages

Your advantages at a glance

Contents insurance protects your valuable possessions against the financial consequences of damage caused by fire, burglary or mains water. So your belongings are always well protected.

Protection of the interior

Cover for damage to the facility

Protection for valuables

Reimbursement in the event of loss or destruction

Burglary protection

Reimbursement for damage caused by burglary and theft

Furniture protection

Cover for damage to furniture

FAQ on contents insurance

We have summarized the most frequently asked questions about contents insurance for you in our FAQ. Our experts will also be happy to provide you with individual advice.

Why is contents insurance important?

Contents insurance is important because it covers the financial risk of damage to inventory and business equipment. Without insurance, companies would have to bear these costs themselves, which could threaten their very existence.

What damage is covered by contents insurance?

Contents insurance typically covers the following losses:

Fire: damage caused by fire, lightning, explosion and implosion
Burglary: damage caused by burglary, theft and vandalism following a break-in
Tap water: damage caused by leaking tap water, burst pipes and frost damage
Storm and hail: damage caused by storm, hail, snow and rain
Vandalism: damage caused by willful damage by third parties

What is not covered by contents insurance?

As a rule, the following are not covered

Damage caused intentionally
Damage caused by gross negligence on the part of the policyholder
Damage caused by war, civil unrest or nuclear events
Damage due to normal wear and tear

Who needs contents insurance?

Retailers: protection of stock and store fittings
Craft businesses: protection of tools, machines and materials
Catering businesses: protection of kitchen equipment, furniture and supplies
Offices and service providers: protection of office equipment, computers and documents
Manufacturing companies: Protection of machinery, raw materials and finished products

Is there special content insurance for certain industries?

Yes, there are specialized content insurance policies that are tailored to the specific risks and requirements of different industries, such as retail, gastronomy, trade or IT service providers.

What is underinsurance and how can I avoid it?

Underinsurance occurs when the sum insured is lower than the actual value of the insured inventory. In the event of a claim, only part of the damage will be compensated. To avoid this, the sum insured should be regularly reviewed and adjusted.

What are typical exclusion clauses in contents insurance?

Damage caused by intentional or grossly negligent behavior
Damage caused by war, civil unrest or nuclear events
Damage due to normal wear and tear
Damage caused by unauthorized or illegal activities

Can contents insurance also apply abroad?

As a rule, contents insurance applies to the specified insurance location (e.g. company location). For companies with international business operations, however, there are special insurance policies or supplementary agreements that also cover inventory abroad.

What is all-risk cover?

All risks cover extends the insurance cover to all unforeseen losses that are not expressly excluded. This offers more comprehensive protection than traditional contents insurance, which only covers certain risks.

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