No health questions
With employer-funded group contracts, health questions and waiting periods do not usually apply. This includes employees with pre-existing conditions, who often could no longer obtain comparable cover on their own.
Business protection · Berlin
Protect what carries your business.
Five perspectives, one page: health as a benefit for your team, personal protection for the leadership, cover for day-to-day operations, protection for the digital emergency and the framework agreement for property managers. Choose your perspective.
Track: For employers with a team
For employers with a teamHealth as part of the pay package. The benefit your workforce actually experiences.
Vouchers get forgotten, fruit baskets raise a smile. Company health insurance (betriebliche Krankenversicherung, bKV) meets your employees several times a year: at the dental clean, the new glasses, the health check. And every reimbursement carries your name as the employer.
The budget principle: one pot, the employee decides
The employer takes out a group contract and gives every employee an annual health budget. Each person decides what to use it for, with no separate cap per type of benefit. Whoever needs dental work one year and new glasses the next uses the same budget flexibly. Claims are settled directly between employee and insurer.
Dental treatment and dentures
Glasses and contact lenses
Health checks and vaccinations
Medicines, dressings and therapies
Naturopathic treatment
Medical aids including hearing aids
The exact scope of benefits depends on the respective plan. For context: company health insurance supplements statutory health insurance, it does not replace it.
60,600
companies offer a bKV or company long-term care insurance, up 16 % in one year
2.8 million
employees already have a bKV through their employer, five times as many as in 2015
68 %
of employees would welcome a bKV as an additional benefit
Sources: Association of German Private Health Insurers (PKV-Verband), portfolio figures as at 31 December 2025; Civey survey commissioned by the PKV-Verband, January 2026.
Discreet for the employer
Claims are settled directly between employee and insurer. You see no health data and no invoices, only the effect on the team.
Loyalty through visibility
The retention effect comes from being visible in everyday life: the bKV is that rare benefit which the majority of the workforce actually uses and associates with their employer.
Track: For the leadership
For managing directors and board membersThe legal form protects the company. It does not protect you personally.
Anyone who makes decisions for a GmbH or AG is personally liable for breaches of duty, with their private assets. D&O insurance is the cover for exactly this responsibility: it examines claims, fends off unjustified ones and pays where claims are justified.
Internal liability
When your own company brings claims
The often underestimated case: the GmbH itself, co-shareholders or an insolvency administrator demand compensation for losses caused by management decisions
Typical triggers: breaches of duty in organisation, delegation and oversight
In a crisis, delayed insolvency filing becomes a matter for review, including in hindsight
External liability
When third parties go after the person behind the company
Creditors, business partners or authorities pursue not the company but the person who acted
Typical triggers: failures in selecting and supervising service providers or in meeting statutory duties
Defending against the allegation costs money, even if it turns out to be unfounded in the end
An example
A GmbH buys in large volumes of material, trusting in a major order. The order falls through and the material cannot be sold. The company demands the loss back from the managing director because he allegedly failed to check the client's reliability. Whether the allegation holds or not: the dispute itself costs time, nerves and money. This is exactly where D&O insurance comes in, fending off unjustified claims and settling justified ones. The example is fictitious and serves as an illustration.
Protection for the person, not the firm
What is insured are the private assets of the people who act: managing directors, board members and, depending on the set-up, senior executives and advisory board members.
Defence is part of the cover
A large part of the value lies in defending claims: examination, defence and the costs of proceedings, before compensation is even discussed.
Structuring is an advisory matter
The sum insured, retroactive cover and run-off cover after leaving the position depend on the respective plan and belong on the table before signing.
You run a GmbH and are thinking about your own position anyway? Many managing directors combine liability cover with their own pension provision: to the company pension for managing directors.
Track: For day-to-day operations
For day-to-day operationsRisks along the value chain. From the roof over the warehouse to the person nothing runs without.
Every business has a chain of points where damage hits the bottom line. Let us walk along it.
The roof over everything
Fire, storm, water damage or burglary hit buildings, fittings and stock. Rebuilding costs money, losing the stock often costs more.
Buildings and contents insuranceThe machines that earn the money
Production lines, servers, till systems: when technology fails, more than one device stands still. Operator error and short circuits are more common than the spectacular write-off.
Machinery and electronics insuranceThe moment something goes wrong
A customer takes a fall in the shop, an employee damages someone else's property, delivered work causes consequential losses. Third-party claims are among the risks that can hit a business at an existential level.
Business liability insuranceThe standstill that follows
The property damage is insured, but who pays the running costs and the lost earnings while the business is idle? This is exactly the gap that cover for the interruption closes.
Business interruption insuranceThe people nothing runs without
If the owner, the master craftswoman or the only developer is out of action for a longer spell, more than one pair of hands is missing. Key person cover buys the business time and liquidity to bridge the gap.
Key person coverThe care your team can feel
Accident cover for the workforce that goes beyond the statutory scheme and, depending on the set-up, also covers leisure time. Not a mandatory building block, but a signal that lands.
Group accident insuranceCyber risks deserve a perspective of their own: see the cyber cover.
Honestly
Not every risk needs a policy. Some risks a business consciously carries itself, others threaten its existence and need closing first. This prioritisation is the real core of the advice, not the length of the contract list.
Track: For the digital emergency
For everyone who works digitallyIt does not hit the big names. It hits the unprepared.
An employee opens an attachment that looks genuine. A transfer goes out because the bank's email looked deceptively real. Overnight, a trojan encrypts every file you work with. The emergency rarely starts with a bang, it usually starts with a click. Cyber insurance is there to stop that click from becoming a question of survival.
Protection level one
When the damage stays in-house
Data and programs are restored so the business can work again
If the business stands still, the interruption is bridged and, depending on the cover option, lost earnings too
Computer fraud is compensated, for instance a transfer to the wrong account after a faked email
Even when the mistake is made in-house: operator errors by employees are covered
Protection level two
When third parties bring claims
Customer data leaks or a virus is passed on to business partners: justified claims are settled
Unjustified claims are fended off, that too is part of the cover
Reporting and notification duties after a data incident are supported, depending on the plan
Two cover options sit behind this, depending on the needs and size of the business. We clarify which one fits in the consultation.
Help at the first suspicion
On reasonable suspicion alone, IT forensics specialists take over the search for the cause. If nothing is confirmed, the false alarm costs nothing: depending on the plan, up to two daily rates of the IT service provider are covered.
Reachable around the clock
The claims hotline is staffed every day of the year. IT experts take over on site or remotely, so the business is back up and running as fast as possible.
More than technology
If the incident becomes public, crisis and reputation management step in. And depending on the plan, legal advice is available as a precaution, not only once a claim has happened.
Three ways in
How involved taking out the cover is depends solely on the size of your business.
01
Up to €1 million annual turnover
A direct proposal without a questionnaire, ready to sign within days.
02
€1 to 50 million annual turnover
A compact risk questionnaire that also shows where your business stands on IT security.
03
From €50 million annual turnover
A structured process together with your IT, to an industrial standard.
The size decides the route and which variant fits. It does not decide how carefully we look.
Prevention is part of it
The best claim is the one that never happens. That is why the cover can be extended with the prevention package of a specialised partner:
Security training and phishing simulations for the team
Email and data security checks
Alerts on acute threats
A customisable emergency plan
The point that matters
Depending on the package, the excess in the first claim is reduced, down to zero up to a defined limit. Depending on the package, the insurer also waives the right to cancel after a claim and, up to a defined limit, the defence of gross negligence. In other words, exactly when an employee's click was the cause.
For professional firms: the short route
Tax advisors, lawyers, auditors and notaries work with the trust of their clients. A data leak hits twice there: your own firm and every single client relationship.
That is why professional firms have a simplified route in: a few risk questions instead of a long questionnaire. The premium is based solely on the number of qualified professionals, office staff do not count. One blanket sum insured covers all the building blocks.
Honestly
Nobody can honestly sell you complete security, a residual risk always remains. Not insured are terrorist attacks on IT systems and the failure of infrastructure such as the internet or the power supply. And two duties come with it: systems that still receive updates from the manufacturer and actually get them installed, plus a data backup at least once a week. If you do not have that yet, we get it sorted first, then insured.
After a cyber attack, the question of the leadership's personal responsibility follows quickly. That is what the Board perspective is for.
Track: For property managers
For property managersOne contract. One contact. One process when a claim comes in.
Managing many properties also means managing many insurers, deadlines and claims processes. The framework agreement for property managers bundles the portfolio: less administrative work for your team and a tangible argument towards owners.
Relief in daily business
One set of contracts instead of a collection of single policies, one contact instead of many hotlines. New properties join the existing framework instead of being negotiated one by one.
One process for every claim
The same reporting channels, the same documents, the same procedures for every property. That speeds up settlement and makes your team's work plannable, especially when many claims run in parallel.
An argument towards owners
A management firm that brings vetted terms and an orderly claims process has a presence when pitching for new properties that lone operators cannot match.
Why the terms improve
The mechanics behind it: from around 200 managed residential units, bundling spreads the claims risk across many properties. This diversification of the loss ratio usually makes better terms possible than a collection of single policies. The price advantage is the proof that the bundling works. The real gain lies in the relief for your administration.
How we start
Three steps, no small print.
01
A short initial consultation
Your starting point and your goal, in Berlin or by video. Free of charge, no obligation, no document homework.
02
Sorting the risks
What threatens the company's existence, what can it absorb, what is already covered? You get a clear set of priorities instead of a contract list.
03
Implementation and ongoing support
Set-up and documentation. After that I get in touch whenever your situation or the framework conditions change.
Frequently asked questions
Answered in brief
Are employees with pre-existing conditions covered by company health insurance?
With employer-funded group contracts, health questions and waiting periods do not usually apply. Employees with pre-existing conditions or ongoing treatment are then included as well. This is exactly what makes company health insurance more valuable for many employees than a private top-up policy, which they often could no longer obtain on their own.
Do all employees have to be included in the company health insurance?
No, but the boundaries must be drawn cleanly. Defined groups can also be insured, for example all industrial staff or everyone above a certain length of service. What matters are objective criteria and equal treatment within the chosen group.
We already have business liability insurance. Why would we need D&O insurance on top?
Business liability insurance protects the company when third parties bring claims against the business. D&O insurance protects the people who act: managing directors and board members are personally liable for breaches of duty, including towards their own company. These are two different directions of protection that complement each other and do not replace each other.
Does D&O insurance also cover decisions from the past?
Depending on the plan, retroactive cover can be agreed for decisions already taken, provided nobody knew of the breach of duty when the policy was signed. Run-off cover for the period after leaving the position is also available, depending on the plan. Both belong in the review before signing.
Does my business really need every one of these building blocks?
No. Not every risk needs a policy. Some risks a company consciously carries itself, others threaten its existence and need to be covered. The prioritisation is the real core of the advice: close the existential gaps first, then talk about comfort.
Surely we are too small for hackers. Do we really need this?
Malware spreads across the board, not selectively. It hits whoever is reachable, not whoever is famous. Smaller companies in particular often lack the reserves to carry an outage of several days on their own. That is why there is a deliberately simple entry route for smaller turnovers: a direct proposal without a questionnaire.
What happens if we only suspect an attack?
Even on reasonable suspicion, an IT service provider is brought in and the cause is investigated. If the suspicion is not confirmed, up to two daily rates are still covered, depending on the plan. Nobody should hesitate to call because a false alarm might cost something.
At what size does the framework agreement for property managers start to pay off?
As a rule of thumb, it starts at a portfolio of around 200 managed residential units. From that scale, bundling shows its effect on terms and administrative workload. Below that, well structured individual solutions are worth a look, and we clarify that in the initial consultation too.
Contact
Book an initial consultation
Briefly describe your starting point. I will get back to you with suggested appointment times, in person in Berlin or online.
The content on this page is general information and not a substitute for individual advice. The scope of benefits, cover and terms depend on the respective plan.