Wir finden die perfekte D&O Versicherung für dich.

The costs for D&O insurance start at approx. 500€ —1,500 € per year for small companies and can for larger companies up to the five-digit range go. However, the cost of your D&O insurance depends largely on the following factors: 


• Company size & turnover: The bigger your company, the higher the risk.
• sector: In highly regulated or high-risk industries (such as finance or construction), you pay more on average.
• Coverage amount: The higher the insurance sum (e.g. 1 million vs. 10 million), the more expensive the policy.
• Number of insured persons: If your D&O not only insures you, but also other board members or managing directors, this also means higher costs.
• Individual risk assessment: Does your company have a history of lawsuits or claims?

Note: D&O insurance costs < liability with your private assets.

Because a good D&O protects your private wealth and therefore also your future in an emergency, it is always worthwhile. However, our insurance angels will also find the best price for you on top.

Yes! Although GmbH literally means “limited liability company,” this only applies to damages and claims directed against the company — but if you are held personally responsible as an executive, this protection does not apply.

Your GmbH is sufficient as protection if...

• Your company causes damage, such as a product defect or a breach of contract.
• Customers or business partners assert claims against the GmbH, not against you as a person.
• As managing director, you have acted to the best of your knowledge and belief without breach of duty.

The GmbH does NOT protect you if...

• You are held personally liable for incorrect decisions, e.g. due to procrastination of insolvency, tax errors or gross negligence.
• Shareholders, authorities or investors sue you.
• you are accused of one or more of the breaches of duty mentioned above.
  

The insurance company may decide not to pay in the following cases:

1. If the damage was caused by a business decision without a breach of duty.

Example: A CFO invests millions in a project without carrying out a risk analysis — despite warnings from Controlling. Insurance pays. However, if he has opted for a new strategy that fails despite careful planning because the market was unpredictable, the insurance company does not pay.

2. When the Board wilfully has acted, for example as a result of fraud or deliberate violations of the law.
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3. If the agreed insurance sum is insufficient. 

If a CEO is held liable for damage of €10 million but only has a coverage of €5 million, he is liable for the difference with his private assets.

D&O therefore protects you in the event of negligent mistakes and sufficient coverage — but not if you intentionally break rules or if your policy is too low. That's why it's important that a professional advises you on taking out the right D&O insurance — just like our VersicherungsEngel.

Yes D&O insurance is usually valid several years after you leave your position, as long as it concerns a decision you made during your term of office.

Yes, because even in a club you can make wrong decisions private liability — for example, if you conclude contracts that financially damage the club.

In addition to claims against you, a good D&O policy also covers partial or even full damage caused by your mistake. 

Example: Stefan, managing director of a mechanical engineering company, invests 5 million € in a new production plant — without sufficient audit. The machine doesn't work, the company loses €3 million. The shareholders are personally suing Stefan for damages. D&O Insurance covers Stefan's personal liability as well as part of the damage caused by the costs of shutting down the business.

When choosing your insurance, our insurance angels make sure that it also covers potential damage so that your company is also covered.

Yes and no: Good D&O insurance covers reputational damage, but only indirectly.

D&O does not itself pay for lost sales or damaged reputation. But there are additional tariffs that cover the costs of crisis management, such as costs for PR consulting, mediators or image agencies, which minimize reputation damage.

Through us, entrepreneurs and self-employed people receive Commercial insurance with attractive conditions for their respective industry and a Contact person who really takes care of everything.

We understand: No entrepreneur is really in the mood for insurance. That's why we're making it as easy as possible for you. In You are insured in 3 easy steps - within 24 hours if you want.

Our service is and will remain closed 100% free! As usual, our service is financed by insurance companies. This does not change the price for you. On the contrary - as a rule, it is caused by special tariffs are much cheaper.

VersicherungsEngel is aimed exclusively to entrepreneurs and self-employed people. Practically anyone who needs commercial insurance. Why Commercial insurance is more complex and also significantly more important.

Simple comparison portals usually don't really help you here.

VersicherungsEngel is independent and therefore acts exclusively in the interest of entrepreneurs and self-employed people. So that you can always be sure of a reliable contact person to receive, there is our seal of approval.

Every contact person, which you receive from VersicherungsEngel, has a Seal of approval! For you, this means in concrete terms:

• Your consultant has at least 8 years of experience in your sector
• Independently well rated (min. 4.3 stars on Google)
• Quick help and payment in case of damage
• Certified according to IHK and other individual company qualifications
• 1x annual audit of consulting quality