We'll find the ideal business interruption insurance for you.
Unsure which insurance you need if your business is shut down due to external influences? Your personal insurance angel will find the ideal business interruption insurance for your company between thousands of tariffs — and you can sit back and relax.
We protect your company with the best selection of 100+ insurance policies.
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“With business interruption insurance, my company is safe and I can sleep more soundly.”
Your business is shut down due to external influences — but your fixed costs continue to run.
Business interruption insurance (also known as loss of income insurance) applies when external influences such as fire, water or storm damage paralyze your business. So you can cover your running costs such as rent, electricity and salaries for your team despite a standstill. It can also be effective in the event of vandalism or burglary.
Because it is important here that you don't simply have just any standard solution, VersicherungsEngel will find a Insurance that is tailored to your company. In this way, you can be sure that everything has been thought of and that it will also take effect in the event of damage.
This is covered by your business interruption insurance or loss of income insurance
Even if your business has to take a temporary break, you can continue to pay rent, electricity and salaries thanks to loss of income insurance.
There are usually special additional rates for this. Your VersicherungsEngel will always give you very clear advice on this.
Because the amount covered determines how long and how much the loss of income insurance pays, your VersicherungsEngel transparently advises you on which tariff suits you best.
Okay, you need business interruption insurance. But... how do you find the right one?
Doing it yourself usually looks like this: You Google “business interruption insurance comparison” or “How do I find the right loss of income insurance” — and you 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 can show you a price — but you have no guarantee that the performance will be right in an emergency.
Wouldn't it be easier if someone looked at what you need in detail — and then sort everything out for you? We think so. That's why we're doing just that for you.
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.
On request: insured 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 business interruption insurance or loss of income insurance protects you:
Fire damage
A fire breaks out in Maria's bakery. The repairs take several months, but their business interruption insurance covers ongoing costs such as rent, salaries and electricity for 12 months.
Burst pipes & water damage
There was a pipe burst in Tino's boutique and it can't open for weeks. The damage to his goods is covered by his content insurance — he is reimbursed for his fixed costs and lost income via loss of income insurance.
Burglary & vandalism
A burglar destroys all work equipment in Paul's IT agency. The laptops are insured, but operations are still at a standstill. Until the new technology is delivered, business interruption insurance covers its fixed costs and replenishes its sales losses.
Storm and weather damage
A storm covers the roof of Jenny's hotel, and she must evict all guests. Your hotel will not be able to accept bookings for four months; the revenue will be completely lost. Loss of income insurance steps in and makes up for financial losses.
In such cases, your certified contact person for your business interruption 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:
• One Business interruption insurance Takes effect when your business goes through external damage must temporarily close, such as fire, water damage or burglary. SIt covers fixed costs such as rent and wages, Until operations are up and running again (or for the period that you have set in your tariff) . #
• One Business loss insurance protects yourself if you fail as owner yourself — due to illness or accident, for example — and Your business can't continue without you.
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.
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.
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.
VersicherungsEngel 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.
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.
No, because:
- Die Business interruption insurance Pay for the loss of revenue and the running costs resulting from damage caused by external influences, But not for property damage, e.g. to inventory. Here you need content insurance.
- Die Content insurance Pay for the Property damage caused by external influences (e.g. new machinery or new furniture after a fire).
They work best together. Based on your company situation, your VersicherungsEngel can give you a clear recommendation as to whether and to what extent this makes sense for you — and check off the content insurance right away when you need it.
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