Menü
For you as a construction worker, insurance such as business contents insurance and electronics insurance are particularly important. Business contents insurance protects the material goods of your business, such as tools and machines, but also office equipment from damage and you from the financial consequences of this. Electronics insurance is specially designed for electronic devices and protects against a wide range of electronic risks. These two important insurance policies protect you and your construction company from costs and losses that threaten your existence due to any damage.
In order to be able to concentrate on your work without worrying and to remain relaxed in the event of damage – which hopefully does not occur – you need good insurance cover for your business. And here are these insurance policies:
It protects you from the financial consequences of damage by covering the costs of repairs and new purchases
It pays for damage to your electronic equipment
Building up your company has cost you a lot – a lot of time, a lot of work and also a lot of money. Above all, the costs for the work equipment, your IT system and the equipment in your business premises were high. And all of this is exposed to numerous risks every day. A fire, water damage, storm damage or simply a burst water pipe. All of this and much more can damage or even destroy your inventory. Do you have enough financial reserves to be able to replace your inventory quickly in the event of damage?
As you can see, it is very important to insure your company comprehensively. At least if you don’t want to face ruin in the event of damage. So BCI, also known as inventory insurance or contents insurance, is a real must-have for you. Because through its services, BCI ensures that you can resume operations as quickly as possible even in the event of damage.
Business contents insurance, or BCI for short, protects you from the consequential costs of damage to your company inventory. And this is insurance protection that is tailored exactly to your needs.
This important insurance protects you from the financial consequences of various damages to your company inventory. And this is perfectly tailored to your industry.
Du siehst, es ist von groß er Wichtigkeit, dein Unternehmen umfassend abzusichern. Zumindest, wenn du im Schadensfall nicht vor dem Ruin stehen willst. Somit ist eine GIV, auch als Inventarversicherung bzw. Inhaltsversicherung bezeichnet, ein wahres Must-have für dich. Denn durch ihre Leistungen sorgt die GIV dafür, dass du auch im Schadensfall den Betrieb schnellstmöglich wieder aufnehmen kannst.
Eine Geschäftsinhaltsversicherung, kurz GIV, schützt dich vor den Schadensfolgekosten hinsichtlich deines Firmeninventars. Und dies als exakt auf deine Bedürfnisse zugeschnittener Versicherungsschutz.
Diese wichtige Absicherung bewahrt dich vor den finanziellen Folgen diverser Schäden hinsichtlich deines Betriebsinventars. Und dies perfekt auf deine Branche zugeschnitten.
Contents or inventory insurance is also an important form of protection for you as a building contractor. After all, it protects all your movable assets against a wide range of risks. Theft, storms, fire or water damage, all of these can happen unexpectedly and result in significant financial losses.
Inventory insurance protects you against all of it. Because it ensures that you and your business can get back up and running quickly even in the event of damage. And you can do this without having to bear the high costs that damage entails.
It is also important to know in the construction industry that business contents insurance is often a prerequisite for being able to take part in public tenders. And certain clients also require the existence of inventory insurance in order to work with them. Another important reason, then, to take out business contents insurance.
Inventory insurance offers insurance cover for the following inventory:
But be careful, certain characteristics must be met for these things to actually be insured. They must
If these characteristics are not met, there is no insurance cover.
The BCI protects your inventory from various risks. For example, you are insured against damage due to
In short, everything that is not explicitly excluded or otherwise insured is insured. It’s actually quite simple, isn't it?
Would you like to find out more about business contents insurance and the risks covered? No problem, that’s what we’re here for. We not only take care of the best insurance cover for you, but we’re also happy to answer your questions at any time. Comprehensive advice on inventory insurance? We’d be happy to help. Just contact us and benefit from our many years of experience.
We’ll also be happy to go through all possible construction industry-related damage scenarios, such as
Speaking of gross negligence, here too, the new value of the item is usually replaced.
Now you know which risks are covered. But what about the costs in the event of damage?
In the event of insured damage, inventory insurance covers the costs of
The inventory insurance also covers destroyed cash and valuables belonging to your company. However, this only applies if these items were kept in a locked safe.
The insurance cover of the business contents insurance extends to all of your company properties, your company buildings and also to all transport routes.
An important component of BCI is the external insurance. It ensures that your company inventory is also insured outside of your company premises. It means that all of your company items are comprehensively insured, even when you are on business trips or during necessary repairs.
However, it is important that you pay attention to whether the protection of the external insurance only applies within Germany or also across Europe.
Business contents insurance pays out when damage has occurred. Of course, this is also provided that this is included in the insurance policy. However, you should be aware that the benefits and liability of the GIV vary considerably in terms of their nature. It also depends on whether negligence is present or not. The degree of negligence is also important.
However, some insurers offer additional optional coverage in the event of gross negligence. If you choose this option in addition to your insurance coverage, damage caused by gross negligence will also be fully covered.
Only damage caused by war or nuclear energy is completely excluded from insurance coverage. The same applies to damage caused intentionally.
The price of business contents insurance is determined by various factors. These are
The more money the insurance has to pay in the event of a claim, the more it costs. However, you should definitely not try to save money here. A coverage amount that is set too low can quickly lead to under-coverage. And in the event of a claim, you will have to pay a lot of money despite having insurance.
In terms of operational risks, the more risks your company is exposed to, the higher the insurance premium.
And the co-payment? The higher it is, the lower your insurance premium.
Additional services can increase the insurance premium, but at the same time improve the insurance cover.
The payment frequency also influences the amount of the premium. Most insurers give you the option of choosing from different payment intervals such as annually, half-yearly, quarterly and monthly. As a rule, it is most cost-effective for you if you pay annually.
The term of the contract also influences the amount of the insurance premium. The longer the contract term, the cheaper the premium.
In order to ensure the best possible protection, it’s extremely important to choose the right sum. This is the maximum amount that the BCI would pay in the event of damage. It is therefore very important to calculate this sum as precisely as possible. Only then will the insurance benefits adequately cover all costs incurred in the event of damage.
We always recommend choosing the total sum of the new value of your business equipment together with the value of all goods and supplies as the sum insured.
When setting the sum insured, also take into account those expenses that do not immediately spring to mind. For example, the costs of new floors or the installation of new electrical and water pipes. Based on these items, the sum insured should be set a good 10% higher than the pure new value of the equipment plus supplies and goods.
It is also important that the insurance cover is never too low. If you specify the sum insured too low, the insurance company can certainly reduce the payment in the event of damage. That would be catastrophic because in such a situation you would have to bear the majority of the damage costs yourself.
That’s why it's important that you make sure that you waive the defense of underinsurance in your insurance contract. The insurer will only pay the full amount if this clause is included in the contract, even if there is underinsurance.
But what happens if something changes in your company's equipment? That’s not a problem because you can just let us know at any time. We’ll take care of everything else. And what if the notification of the change comes too late and damage occurs? That’s okay, you won't be at a disadvantage as a result.
Business contents insurance is extremely important for comprehensive protection of your business equipment and compensation for damage. This livelihood insurance is tailored specifically to your industry and offers you comprehensive protection against the financial burden in the event of damage.
The BCI covers damage to your business equipment caused by various risks such as water damage, fire or burglary. Since any damage to your company equipment causes high costs, inventory insurance is essential for you in the construction industry.
Because only this protects your movable assets, your business equipment, supplies and goods against unforeseen damage events. The insurance cover includes a wide range of possible risks such as lightning strikes, mains water, storms, theft and more.
The BCI covers damage costs such as demolition and clean-up work, expert costs and much more and supports you or your company in becoming operational again as quickly as possible.
The insurance cover is not only limited to your business premises and company buildings, but also to the transport routes. The associated external insurance also provides insurance cover for business trips.
Arrange a consultation with us. We will review your actual insurance needs and provide you with a GIV offer that is tailored precisely to your company.
Electronics insurance is a type of insurance that is specifically designed to insure electronic systems and devices. It offers protection against damage to your electronic devices and covers a wide range of causes of damage.
Electronics insurance is particularly important for comprehensive coverage in the construction industry, where a large number of machines and electronic devices are used. This valuable insurance protects you against the financial burden of damage to your electronic equipment. Electronics insurance can be tailored precisely to your needs.
How well could you and your employees do your work without computers and electronic devices? Would your business still run as well? You see, your devices are extremely important to your success.
Whether it’s PCs for important planning and calculations or for e-mail communication or ordering materials. The telephone system for communication, your smartphone for accessibility. All of this and much more electronics make your business as successful as it is. No wonder, because without electronics nothing works anymore these days.
Have you ever imagined what happens if damage occurs and your equipment has to be repaired or even replaced? Without electronics insurance, the entire cost of this falls on your shoulders alone. Appropriate insurance is therefore definitely an absolute must-have for your business.
Because only electronics insurance protects you comprehensively and optimally against the associated costs in the event of damage.
With electronics insurance, you benefit from what is known as all-risk coverage. This means that, with a few exceptions, all causes of damage are covered. Only war, nuclear energy and earthquakes are excluded. Good, right?
The insurance coverage of electronics insurance therefore includes, among other things:
The scope of insurance for electronics insurance is extensive and therefore offers you the highest level of security. It includes:
The cost of electronics insurance can vary depending on the insurer and the insurance conditions. The insurance premium is usually based on various factors such as the value of the insured equipment, the type of equipment and the amount of the deductible. For more expensive equipment, the premium can be higher as the risk of damage or theft is much higher.
It is important that you carefully check the cost of your electronics insurance and compare offers. Unfortunately, a low premium and comprehensive coverage are often mutually exclusive. It is therefore advisable to also pay attention to the insurance benefits. For example, whether and to what extent damage to the equipment is covered and whether additional benefits are included.
For companies in the construction industry, electronics insurance is a sensible investment to comprehensively protect themselves against unforeseen damage and loss. By choosing the right insurance, financial risks can be minimized and business continuity guaranteed. However, this is only possible if your individual needs and risks are taken into account in order to find the best electronics insurance for your company.
As experts in the field of company insurance, we support you and find the electronics insurance with the ideal price-performance ratio for your needs.
The optimal sum insured for your electronics insurance must be carefully calculated so that you are perfectly covered in the event of a claim. It is important to take into account the actual purchase costs and the current value of your insured electronic devices. An insured sum that is too low can lead to financial losses in the event of a claim, while an amount that is too high can lead to excess costs.
As you can see, calculating the ideal sum insured for your electronics insurance is not that easy. As independent insurance brokers with many years of experience in this field, calculating the optimal sum insured based on the individual needs of our customers is one of our daily tasks. We ensure that you are always perfectly covered in the event of a claim.
You can further strengthen your electronics insurance cover with optional extensions. With practical additional modules such as
Electronic software insurance
It can happen all too quickly that a data storage device is damaged. The consequences of this include problems in the operational process as well as costs for restoring important data or for program repairs or new purchases. In such a case, electronic software insurance pays out.
This attractive additional module also covers malicious program changes by third parties, electrostatic charging, operating errors, electromagnetic interference, force majeure and overvoltage.
Electronics additional cost insurance
If electronic damage causes an interruption in operations, you naturally want to keep it as short as possible. Because every day you can’t work means a loss. The additional electronics additional cost insurance module provides cover for this and covers the costs of replacement devices, rental devices and loan devices in order to keep your business running.
Electronics business interruption insurance
This optional additional insurance protects you against loss of income due to business interruption if this is caused by electronic damage.
We would also be happy to advise you in detail on these important additional modules for electronics insurance. With us, you will not only benefit from our many years of specialist knowledge and constant further training in this area, but also from our many years of practical knowledge.
Enjoy the comprehensive protection of electronics insurance and its optional additional modules and face any claims with peace of mind. We would be happy to provide you with our expertise and support you in finding the perfect insurance cover for your construction business.
Like everywhere else, electronics play an important role in your company. Damage can therefore mean a financial catastrophe. Electronics insurance offers protection against damage to your electronic devices and machines caused by a variety of causes. In the event of damage, the insurance covers repairs or replacement of the defective devices.
This important insurance can be individually tailored to your needs and thus reliably protects you against the financial consequences of electronic damage. This guarantees smooth operations and rapid business reconstruction after a damage event.
Electronics insurance offers you all-risk coverage, which only excludes damage caused by war, earthquakes and nuclear energy. The insurance cover includes all electronic devices in your company, including software and other electrical systems.
As far as the insurance premiums are concerned, these depend on the type of company you own, the amount covered and the deductible you have chosen. Optional additional modules also influence the amount of the premium. However, these also extend your protection.
Do you need help finding your ideal electronics insurance? We’d be happy to help! We calculate your individual insurance needs and provide you with a non-binding offer. This way, you get exactly the insurance coverage you really need. Perfectly tailored to your business needs. You benefit from our many years of expertise and our comprehensive access to the insurance market.
Business liability insurance is definitely worth mentioning, as it is also a form of insurance that secures your livelihood. It is particularly important for companies in the construction industry, including you. After all, it protects you from claims for damages, which can quickly become so high that your existence is threatened.
Damage to third parties or their property can happen quickly, especially in the construction industry. An accident on your construction site, faulty planning or poor execution of work by your employees and the resulting damage. Without business liability insurance, you have to pay for all damage yourself. Are you really prepared to do that?
We therefore strongly recommend that you find out about business liability insurance. We would be happy to advise you on this extremely important topic.
We are independent insurance brokers and therefore have extensive access to the insurance market. But that’s not all. With us, you also benefit from our many years of experience in the field of construction insurance and our ongoing training and education in this area.
We know what is important when it comes to insurance for this industry. And also that off-the-shelf insurance is not suitable here. That is why we provide you with insurance cover that is not only comprehensive, but also tailored exactly to your needs.
We do not just focus on the ideal protection for you, but also on the perfect price for you. Because in addition to the insurance, the price-performance ratio must of course also be right.
Always keeping an eye on the best possible insurance cover for your company, we also check the possibility of insurance combinations. The so-called combination insurance combines several insurance policies and usually also comes with an attractive combination discount.
All of our employees are experts with many years of expertise and, in addition to comprehensive advice, offer you quick and uncomplicated support in the event of a claim.
We also have a practical comparison calculator. This allows you to easily put together the insurance cover you want on our website and calculate your premium.
Montag bis Donnerstag:
09:00 – 17:00 Uhr
Freitag:
09:00 – 15:00 Uhr
Mit dem Laden der Karte akzeptieren Sie die Datenschutzerklärung von Google.
Mehr erfahren
