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“As an entrepreneur, fast, simple and uncomplicated insurance is important to me.”
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“With business liability, I can soothes focus on my business.”
What do I need business liability insurance for?
Mistakes are human! And that is exactly why business liability, as the most important commercial insurance, is an absolute must for almost every entrepreneur, self-employed person and freelancer.
This is what your commercial liability insurance covers:
For example, your employee damages a customer's item
For example, your employee injures a customer while working
Claims against you will be examined and, if necessary, denied if unjustified
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Business insurance in 24h
Your effort: 15 minutes
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“We've got specialised rates and years of hands-on experience in your industry.”
In addition, you have a contact person who will do everything for you:
Process your claims within 24 hours without paperwork
Quick help and payment in case of damage
Check for yourself every year whether it's even cheaper
Regulates incomprehensible letters from the insurance company for you
Liable to ensure that you are properly insured
All industry experts have been certified by us.
Learn more about certification
Which industry do you work in?
Select your industry to see examples of damage.
Fire after short circuit
Unfortunately, the office of Alex's IT start-up burned down to a large extent due to a short circuit. The technical equipment alone was worth 200,000€, but could be replaced by the insurance after 3 days.
Site offline after hack
Alex's software company's website was hacked and had to go offline for 1 week. By recommending cyber insurance, Alex was also insured in the event of cyber business interruptions and had no loss of revenue.
Tool theft
When he broke into his van, all Michael's tools were stolen. On the same day, he was promised that the insurance company would replace his tools.
Give management the wrong advice
Michael, a management consultant, was sued for alleged misadvice. His insurance company averted the damage and covered the legal fees.
Marketing flop
Sarah, the owner of a marketing agency, quarreled with a client in court. Her legal expenses insurance covered all legal and court costs.
Equipment incinerated
Key components of Alex's consulting firm's equipment were burned by fire. The reimbursement of new purchase and data recovery costs worked without any problems.
Compensation claim
Stefan's advertising campaign for his fintech startup caused a shit-storm due to a misunderstanding, whereupon an investor sued him for damages. His D&O insurance company reviewed the claim and successfully fought it off.
Leak due to data breach
David, founder of a social media start-up, leaked the email addresses of thousands of users due to a data breach. His insurance company provided him with a PR consultant and took over the compensation claims.
data breach
Emma's online marketplace had a data breach, as a result of which the data of tens of thousands of customers was leaked to third parties. Major reputational damage is imminent.
Customer data loss
David's advertising agency had a data loss. The cyber liability insurance service partner made data recovery and communication with customers easier.
Site offline after hack
Alex's software company's website was hacked and had to go offline for 1 week. By recommending cyber insurance, Alex was also insured in the event of cyber business interruptions and had no loss of revenue.
Water damage in a doctor's office
Dr. Schmidt's dental practice was interrupted for 3 weeks due to water damage. The insurance company compensated for lost profit and the repair.
Knee treatment errors
Dr. Müller severely injured a patient's knee as a result of a medical error. His insurance company easily covered compensation and medical costs.
Portafilter machine short circuit
Tom's expensive coffee machine was damaged due to an operating error made by his employee. After one day, the repair bill was paid.
Cable routed incorrectly
Peter, an electrician, accidentally misplaced a cable in the wall. His liability insurance covered repair costs.
Hotel robbed
There was a burglary in Maria's hotel, which led to considerable losses. Just two days later, the first part of the claim was paid.
Fire after short circuit
Unfortunately, the office of Alex's IT start-up burned down to a large extent due to a short circuit. The technical equipment alone was worth 200,000€, but could be replaced by the insurance after 3 days.
Service interruption following water damage
Emma's cleaning service had to interrupt operations for 2 weeks due to a water studio in the warehouse and lost important sales as a result.
Contract dispute for cleaning
Sarah, owner of a façade cleaning company, was sued by a dissatisfied customer following an order and bears high court costs.
Breaking in during cleaning
Paul's cleaning company was broken into. In addition to cash, important equipment was also stolen, which is why Paul had to pause operations.
TV damaged
Susanne's cleaning staff accidentally bumped into an expensive television, which then had to be extensively repaired.
Product liability for imported goods
After a short circuit involving a product imported by Alex from China from his online electronics store, he was sued for damages.
Dispute with developer
David, an e-commerce entrepreneur, had to legally fight with a developer after he had failed to fulfill his performance and did not realize it.
Marketing flop
Sarah, the owner of a marketing agency, quarreled with a client in court. Her legal expenses insurance covered all legal and court costs.
Contract dispute with designer
One of Lisa's customers did not agree with her contractually agreed service as a designer and demanded compensation. Her professional liability insurance reviewed her terms and conditions and helped her ward off the damage.
Accident involving a van
One of Mark's transport drivers caused an accident with one of his trucks. Fleet insurance provided a replacement car and took over the settlement with the other party involved in the accident.
Accidents involving taxi fleets
Cem's taxi company had a number of accidents. His contact person at fleet insurance settled the claims without any problems, which allowed Cem to concentrate on his company at all times.
hacking attack
Sarah, an IT consultant,'s work laptop was hacked, which stole sensitive customer data. His professional liability insurance covered the compensation claims and reduced the damage to his reputation.
Alleged embezzlement
John, founder of a tech startup, was sued by one of his investors due to alleged embezzlement. Through his specialized advisor, the claim of 150,000€ was averted.
Infection due to caesarean section
A patient of Emma (midwife) contracted a lengthy infection as a result of post-treatment of the caesarean section scar. Your insurance covers the recovery costs.
Litigation with employee
Lisa, a physiotherapist, unfortunately had to go to the labor court because of a former employee. Her legal expenses insurance covered attorneys' and court fees.
Machine is damaged
Torsten's new employee accidentally severely damaged the riding mower. The machinery insurance company reimbursed the repair costs.
Customer doesn't pay
One of David's customers refused payment after major renovations. David was able to claim his money without any problems through his debt collection legal protection.
Tool theft
When he broke into his van, all Michael's tools were stolen. On the same day, he was promised that the insurance company would replace his tools.
Dissatisfied with catering
Ahmed's customer was dissatisfied with his catering and did not want to pay afterwards. His legal protection helped him enforce the payment.
Fire in wellness center
Stefan's wellness center was on fire. It was only thanks to the good protection provided by his insurance advisor that the damage was repaired quickly and all loss of profit was reimbursed.
Equipment incinerated
Key components of Alex's consulting firm's equipment were burned by fire. The reimbursement of new purchase and data recovery costs worked without any problems.
Dissatisfied customer
Sarah's start-up was confronted with a complaint of dissatisfaction. The customer is threatening not to pay their contract, but thanks to their legal protection, the case was resolved through a settlement.
Boutique warehouse fire
There was a big fire in Sarah's warehouse at her fashion boutique. Significant parts of their inventory were incinerated and could only be replaced weeks later.
Short circuit in the studio
Alex's film production studio largely burned down due to a short circuit. His content insurance reimbursed immediately, enabled rapid replacement procurement and thus ensured minimal disruption to ongoing projects.
Fire in workshop
Oliver's car repair shop was the victim of a fire. His consultant quickly organized suitable craftsmen and an appraiser so that his damage could be repaired as quickly as possible.
Suspicion of tax evasion
Franz, owner of a car dealership, was accused of tax evasion. The specialist department of his legal expenses insurance recommended a specialist lawyer to him and covered all legal costs.
IT project disputes
A major customer of David's, IT project manager, sued David following contract disputes. Through Versicherungsengel, David found a suitable broker who helped him pay the legal fees.
Customer slips
One of Lisa's customers slipped in her salon and injured herself. Their liability insurance quickly covered medical costs and attorneys' fees.
allergic reaction
Mark's cosmetic products caused an allergic reaction. Thanks to the special clause in his liability insurance, the damage was reimbursed.
Contract disputes with customers
Emma, owner of an HR consultancy, had contract disputes with a customer. Her legal protection covered specialist lawyer and settlement costs.
Dispute with landlord
Julia, a beauty consultant, was able to get free advice from a lawyer thanks to her legal protection and thus settle her disputes with the landlord.
IT consultant data leak
David's IT consulting firm was the victim of a data leak. His cyber liability insurance covered the costs and reduced reputation damage.
Give management the wrong advice
Michael, a management consultant, was sued for alleged misadvice. His insurance company averted the damage and covered the legal fees.
peanut allergy
A customer at Luca's restaurant had an allergic reaction because there was no mention of peanuts in the food. His insurance covered the medical costs.
0 Entrepreneurs have insured their company with us:
Christian Bremer
Coaching Center Berlin
Mathias Weilandt
Berlindaecher.de
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Maxime Fischer
Zahna-Fliesen GmbH
Lion & Jonny,
Founders, VersicherungsEngel
Good questions deserve good answers.
The questions we get asked most — answered in plain English.
Questions about business liability insurance
This commercial insurance is an indispensable part of almost all companies and is recommended to almost every entrepreneur and self-employed person.
Business liability insurance protects against potential damage that you or your employees could cause to third parties, including personal injury, property damage, and financial damage. It also checks whether claims for damages against you are justified and, if necessary, fends them off.
Almost every entrepreneur or self-employed person needs company liability insurance. Damages can occur too quickly, which pose serious financial challenges for the company. For a relatively small amount, these risks can be excluded.
If you work in a consulting profession or similar (tax advisor, doctor, etc.) then professional liability is probably more suitable. Talk to us - or find out more here.
General questions
We get entrepreneurs and self-employed professionals the right commercial insurance at attractive rates for their specific industry — plus a dedicated expert who genuinely takes care of everything.
Let's be honest: no business owner is excited about insurance. That's why we make it as easy as possible. Three simple steps — insured within 24 hours if you need it that fast.
Our service is, and always will be, 100% free for you. Like most brokers, we're paid by the insurers — but here's the thing: this doesn't make your policy more expensive. In fact, thanks to our specialised industry rates, it's usually significantly cheaper.
VersicherungsEngel is built exclusively for entrepreneurs and self-employed professionals — basically, anyone who needs commercial cover. Because commercial insurance is a lot more complex than private insurance, and the stakes are much higher.
Simple comparison portals don't cut it here.
VersicherungsEngel is fully independent — we only act in the interest of our clients, never a single insurer. And to guarantee you always get a reliable expert, every one of them carries our certification.
Every expert you get matched with through VersicherungsEngel is certified by us. That means concretely:
- 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