Commercial insurance for your German business — handled in English:
Save up to 40% through specialised industry rates from 100+ leading German insurers. One dedicated English-speaking expert takes care of everything — from your first quote to handling claims.
Simple and easy: insured within 24 hours
With liability guarantee: safe in an emergency
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We work with 100+ of Germany's leading insurers
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“As an entrepreneur, I need insurance that's fast and straightforward — no runaround.”
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The cover every business should consider:
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Business liability insurance
Essential for almost every business. Protects you from claims that could otherwise put your company at risk.
What it covers:
Content insurance
Also called Inhaltsversicherung. Protects your equipment, stock, and business contents. Premiums scale with the value you insure.
Legal expenses insurance
Rechtsschutz protects freelancers, self-employed professionals and companies from the financial risk of legal disputes — covering lawyer fees, court costs, and more.
Professional liability insurance
Berufshaftpflicht protects freelancers and professionals who advise, treat, or plan — lawyers, doctors, architects, consultants, engineers, IT service providers — if their work causes damage to a client or third party.
Not sure which insurance you need?
No problem. We'll help you figure it out — free, no obligation.
Whatever your industry, we have a specialist who knows it. They'll work through it with you and find the right cover for your business.
Alternatively, you can send us an email to the following address:
kontakt@versicherungsengel.de
Insured in 3 simple steps:
Answer 6 simple questions
We find the right rate and the right expert for you
Get your offer and get your questions answered
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Business insurance in 24h
Your effort: 15 minutes
Free, no obligation
“We've got specialised rates and years of hands-on experience in your industry.”
Plus: a dedicated expert who handles everything for you
Handles your claims within 24 hours — no paperwork on your side
Fast support and payout when something goes wrong
Reviews your policy every year to check you're still on the best rate
Translates confusing insurer letters into plain English for you
Personally accountable for making sure your cover is right
Every expert in our network is certified by us.
Learn more about certification
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
The most important insurance policies for every company
Business liability insurance
Whether it's the construction trade, catering, healthcare, retail or media professionals, commercial liability insurance is useful for almost every entrepreneur, trader, self-employed and freelancer.
Business liability or commercial liability insurance protects your company against claims for damages that may seriously threaten your professional or business existence. The costs are comparatively low.
Why entrepreneurs opt for this commercial insurance:
Regardless of whether keys are lost or someone else's property is damaged, your commercial liability insurance pays if someone from your company damages or even destroys your customers' belongings at work.
Your business liability covers all costs (compensation, recovery costs, etc.) after you or one of your employees has injured a person.
Your commercial liability insurance will check for you free of charge whether you are really responsible for the damage and whether the claim for compensation is justified. If it turns out that you can't do anything for the damage, she'll even fend off the claim before the law.
“With business liability, I can soothes focus on my business.”
Why do entrepreneurs need content insurance?
Would you like to insure your tools, factory equipment or simply your goods? Then content insurance is just the thing for you! Protect your property against damage or destruction.
We understand that most companies cannot continue working without their equipment. That's why we help you to insure your shop, office or warehouse in the best possible way.
Why entrepreneurs opt for content insurance:
For example, when you break into your shop or warehouse, goods are stolen. Your insurance company will quickly compensate for the damage so that you can continue working with peace of mind.
Your insurance usually covers all costs for repairs, replacements, and even renovations after your equipment has been damaged.
You are often unable to continue working after major damage. With interruption, loss of income or business closure insurance, you get your lost profits back after a fire or burglary.
“With content insurance, I know that my business is protected.”
Legal expenses insurance for entrepreneurs and self-employed people:
For many self-employed people, companies and companies, industrial property rights protection has become an integral part of everyday working life. Far too often, questions or even disputes arise which only the advice of a lawyer can remedy.
These components of industrial property protection insurance are important for most entrepreneurs:
Most companies are probably familiar with it: Trouble with customers due to contract disputes is firstly annoying and secondly goes into the money. In addition to collection costs, good insurers cover your legal fees and, in the worst case, court costs. Enforce law or ward off lawsuits: the costs are covered.
Are you sure whether the tax office couldn't find something on you during an in-depth audit? Your business rights insurance also helps you with disputes with the tax authorities.
Briefly clarify one thing with the lawyer: The free initial consultation on Most legal disputes can be resolved with just a short consultation with a lawyer. Many insurers therefore offer free legal advice with a lawyer.
We would be happy to tell you what is important to you in each individual case.
“With intellectual property rights, I am much more relaxed about disputes.”
Why do freelancers opt for professional liability insurance?
Can mistakes that happen during your work cause major damage or injure people? Then professional liability insurance will help you.
Doctors and midwives in particular bear a great risk of harming their patients during treatments or operations and therefore even have to make compulsory insurance.
But architects, lawyers, corporate and tax consultants or other freelancers can also cause very high damage as a result of consulting or planning errors.
Good professional liability insurance covers these costs and the assessment of the damage for you. If you are not responsible for the damage, the insurance will even cover the legal fees for you to defend yourself in court. The costs are comparatively low.
This is what your commercial professional liability insurance covers:
You or one of your employees damage someone else's property or injures a person: Your insurance pays all costs.
One of your clients is demanding compensation from you because you have made a consulting mistake - your professional liability covers the legal fees for the lawsuit and settles the damage.
Is someone accusing you of financial loss for which you can't do anything? Your liability insurer represents you with top law firms and fends off illegal claims.
“With professional liability, I can concentrate on my job with peace of mind.”
More insurance
The variety of companies is great — as are the options to insure yourself against important damage. We have the right contact person for every sector and application, no matter how special. They will be happy to work with you to find out which commercial insurance is right for you.
“With the right commercial insurance, I can soothes focus on my business.”
In welcher Branche bist du tätig?
Select your industry to see examples of damage.
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.
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.
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.
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.
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.
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.
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.
Lion & Jonny,
Founders, VersicherungsEngel
Good questions deserve good answers.
The questions we hear most — answered in plain English.
Questions about D&O insurance
D&O insurance starts at roughly €500–€1,500 per year for smaller companies, and can run into five figures for larger organisations. 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?
The bottom line: the cost of D&O is always lower than the cost of personal liability.
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 stands for "Gesellschaft mit beschränkter Haftung" (limited liability company), that protection only applies to claims directed at the company itself — not to you personally as a director.
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 resulted from a business decision made without any breach of duty.
Example: a CFO invests millions in a project without a risk analysis — despite warnings from the finance team. The insurer pays. But if a CFO makes a carefully considered strategic decision that fails due to unpredictable market conditions, the insurer does not pay.
2. When the board member acted intentionally — for example, in cases of fraud or deliberate violations of the law.
3. If the agreed coverage amount is not sufficient..
If a CEO is held liable for €10 million in damages but only has €5 million in coverage, the difference comes out of their personal assets.
In short: D&O protects you against negligent mistakes — provided your coverage is adequate. It does not cover intentional misconduct or policies that are too low. That's exactly why professional, personalised advice matters — which is what your Insurance Angel is there for.
Yes — D&O insurance typically remains valid for several years after you leave your position, provided the claim relates to a decision made during your time in office.
Yes — even in a voluntary capacity, you can face personal liability for wrong decisions. For example, if you sign contracts that cause financial harm to the organisation.
Beyond protecting you personally, a good D&O policy can also cover part or all of the actual damage caused by your mistake.
Example: Stefan, managing director of an engineering firm, invests €5 million in a new production line — without adequate due diligence. The equipment doesn't work and the company loses €3 million. Shareholders sue Stefan personally. His D&O policy covers his personal liability as well as a portion of the resulting business losses.
When recommending a policy, your Insurance Angel makes sure it covers not just you, but potential damage to the company as well.
Yes and no. A good D&O policy addresses reputational damage — but only indirectly.
D&O itself does not compensate for lost revenue or a damaged reputation. However, additional coverage options exist that cover crisis management costs, such as PR consultants, mediators, or reputation agencies — all of which help limit the damage.
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