As an owner, we cover you with the best business loss insurance.
Unsure which insurance will pay if you fail as an owner? Your personal contact will find the optimal business loss insurance or owner default insurance for you between thousands of tariffs. You don't have to worry about anything — and yet everything has been thought of.
We protect your company with the best selection of 100+ insurance policies.
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“With business loss insurance, I feel much safer as an owner. I can fully concentrate on my business.”
If you drop out as owner, your fixed costs will still continue to run.
Business loss insurance (also known as owner default insurance or default insurance for self-employed people) is always important when your company is at a standstill without your labor. This applies, for example, if you are a freelancer or sole trader. It is also relevant if you have a team under you but carry out the revenue-generating activities alone.
This is what your owner's default insurance (or your default insurance for self-employed people) provides:
Even if you fail, you can continue to pay rent, license fees and, if applicable, salaries thanks to default insurance.
Because when you're ill, existential fears are really the last thing you need.
Because the amount covered determines how long and how much business loss insurance pays, your VersicherungsEngel transparently advises you on which tariff suits you best.
Operating interruption vs loss of operation:
Which insurance do I need?
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Okay, you need business loss insurance. But... how do you find the right one?
Doing it yourself usually looks like this: You Google “Betrieballversicherung Vergleich” or “How do I find the right owner default insurance” — and could clap your hands over your head after just 10 minutes: endless benefit tables. Pages full of technical terms. And fine print that raises more questions than it answers. Comparison portals may show you a price, but you have no guarantee that the performance will be right in an emergency.
It would be so much easier if you had an honest advisor who would find the ideal default insurance holder for you at the best price. And that is exactly what we do.
Super simple: insured in 3 steps
Answer 6 simple questions
We find the optimal rate and contact person
Get your offer and get your questions answered
You have optimal insurance.
Business loss insurance within 24h
Your effort: 15 minutes
Free & non-binding
“We've got specialised rates and years of hands-on experience in your industry.”
Your personal contact person will take care of everything directly.
Liable to ensure that you are properly insured
Process your claims within 24 hours without paperwork
Check for yourself every year whether it's even cheaper
Get up to 40% off with special industry rates
Take care of all communication with the insurance company for you
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Typical claims
From which your default insurance (or default insurance for the self-employed) protects you:
Broken wrist
As a freelance photographer, Tino breaks his wrist while working outdoors. The default insurance for the self-employed covers his fixed costs and reimburses him for 12 months for the profits that are now lost as a result of planned projects.
herniated intervertebral disc
Simon is a hairdresser and has a herniated intervertebral disc — he is unable to work for six months. However, because many customers only want to be served by him, default insurance for the self-employed pays him fixed costs and lost sales.
Burnout (with additional clause)
Anna burned out as a wedding planner after 7 years of continuous fire. Because, thanks to VersicherungsEngel, it had a corresponding additional clause in its owner's default insurance, your lost revenue and running costs will be reimbursed.
Prolonged illness
Elias is a dentist and is absent for four months due to severe pneumonia. During this time, his operating loss insurance covers his ongoing fixed costs, such as rent for the practice, salaries for his sister team and other operating expenses. In addition, it reimburses him for lost income.
In such cases, your certified contact person for your business loss insurance will also completely handle your claim. We personally ensure that you are in good hands with him.
All industry experts have been certified by us.
Find out more about our seal of approval here
Lion & Jonny,
Founders, VersicherungsEngel
Good questions deserve good answers.
The questions we hear most — answered in plain English.
Verification questions
Very often, the answer is: Both. In fact, they cover various risks:
- Business interruption insurance applies when your business has to close temporarily due to external damage such as fire, water damage or burglary. It covers fixed costs such as rent and wages until the business is up and running again (or for the period that you have set in your tariff).
- Business loss insurance protects you if you fail as an owner yourself — due to illness or accident, for example — and your business cannot continue without yourself.
An example: Lisa is a boutique owner and has a small team, but her regular customers only come for her personal advice. If it is cancelled for a long period of time due to illness or accident, there is a lack of income — this would cover business loss insurance. However, if their boutique burns down and has to remain closed for months, only business interruption insurance would cover fixed costs and lost profits until the store could be reopened.
In short: Business interruption = replaces loss of profit in the event of external damage and covers your fixed costs. Operational failure = reimburses you for profits and covers fixed costs if you fail yourself. Both together = all-round protection.
Here too, it depends on the tariff, but your business loss insurance usually applies if you fail as an entrepreneur yourself, e.g. due to
- Illness or accident: You can't work for months, your turnover collapses.
- Severe surgery or long-term rehab: You are unable to work as a key person.
- Mental illness or burnout: Your business depends on your workforce, but you can't continue.
Insurance Angel helps you to cover exactly the risks that are really relevant to your business — without unnecessary additional costs and at the same time with the best protection.
It depends on the tariff, but it usually protects you if your company stands still due to external circumstances, such as:
- Fire, explosion, or lightning: Your store is damaged and can't operate temporarily.
- Water damage or pipe burst: Your shop or office is underwater, you can't work.
- Storm damage or natural disasters: A storm makes your business premises unusable.
- Burglary, theft or vandalism: Machines or goods are stolen or destroyed and your business is paralyzed.
At VersicherungsEngel, we check for you which benefits are useful and necessary so that you are neither underinsured nor over-insured.
Yes! Both default insurance and business interruption insurance not only replace fixed costs such as rent or salaries, but also revenue that you miss out on — to an extent that is based on your previous balance sheets. Here, too, we will help you so that the coverage amount is right and that you still get your insurance at the best monthly price.
Then you didn't have insurance with us. Our VersicherungsEngel will only provide you with insurance that they can recommend with more than 8 years of experience. However, should difficulties arise, they will personally ensure that you receive your money.
General questions
We connect entrepreneurs, directors, and self-employed professionals with the right commercial insurance at competitive industry rates — plus a dedicated expert who genuinely takes care of everything.
Let's be honest: nobody gets excited about insurance. That's exactly why we make it as simple as possible. Three steps — covered within 24 hours if you need it that quickly.
Our service is 100% free for you — always. Like most brokers, we're paid by the insurers. But here's the important part: this doesn't make your policy more expensive. In fact, thanks to our specialised industry rates, you'll usually pay significantly less than going direct.
VersicherungsEngel is built exclusively for entrepreneurs, directors, and self-employed professionals — anyone who needs commercial coverage. Business insurance is far more complex than personal insurance, and the stakes are significantly higher.
Comparison portals aren't built for this. We are.
VersicherungsEngel is fully independent — we act exclusively in the interest of our clients, never on behalf of a single insurer. To ensure you always work with a reliable expert, every one of them carries our certification.
Every expert you're matched with through VersicherungsEngel holds our certification. That means:
- At least 8 years of experience in your industry
- Independently well-rated (4.3+ Google stars)
- Fast support and payout in a claim
- IHK-certified, plus additional industry qualifications
- Annual audit of advisory quality