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The right cover for your business — from public liability to protection against digital threats.
Business insurance includes all policies that protect you as an entrepreneur, self-employed person or member of a liberal profession, and your company, against business risks. This includes protection against third-party claims, insurance of business premises and equipment, cover for lost income during downtime, and protection against modern threats such as cyber attacks or data theft.
Every business has different risks — a trade business needs different insurance from a medical practice, an online shop different cover from a high-street shop. As an independent brokerage, we analyse the specific risks of your business with you and put together the right insurance package — independently of individual insurers.
Damage in a business affects not only company assets but — for sole traders and partners in partnerships (OG/KG) — private assets too. Without suitable cover, one major claim can threaten the survival of the business:
Protection against third-party claims arising from your activities, products or employees — essential for almost every business.
Special cover for financial losses caused by errors in advice or planning — compulsory for doctors, lawyers, architects, tax advisers and many other professions.
Covers lost profit and ongoing fixed costs when your business is temporarily at a standstill after property damage — often decisive for survival.
Protection against hacker attacks, data loss, extortion and GDPR breaches — including IT forensics and crisis communication.
Protection for your company’s building, equipment, machinery and stock – against fire, burglary, water damage and storm.
Retain your staff and provide for the future with tax benefits – through company pension and health schemes.
Protection for harvest, farm and machinery – especially in the Weinviertel, where hail, frost and drought threaten the harvest.
All company vehicles in one contract – easy to manage and often cheaper than individual policies.
Protection for managing directors – because anyone who runs a company is personally liable for breaches of duty.
Business insurance concerns practically every company — with different priorities depending on the sector:
Public and business liability insurance is considered the basic cover for practically every business — which further elements make sense depends on the sector and size.
Yes, sole traders (EPU) in particular bear the full personal liability risk and benefit especially from suitable cover.
Whenever turnover changes, you take on new staff, open new locations or start new activities, it is worth reviewing your cover.
Yes, we will gladly put together an individual package of public liability, professional indemnity, cyber and business interruption insurance.
In that case we coordinate communication with all the insurers involved on your behalf, so you don’t have to deal with it.
As your broker, we usually find out in advance when an insurer is considering cancellation because of unpaid premiums or many claims – and we work to make sure it doesn’t come to that. Without a broker, clients often only find out when the cancellation arrives.
If you have received a cancellation, please contact us immediately: with a cancellation it is difficult to find a new insurer. Ideally, send us the current contract and the claims history straight away – with a short explanation of how the claims came about.
How easy a new contract will be depends on the reason: claims are assessed differently from unpaid premiums. In any case, expect a higher premium – instead of a discount there is usually a surcharge.
Content reviewed by: Agnieszka Valenta, insurance broker · As of October 2026
We analyse the specific risks of your business and put together the right insurance package — independently and transparently.
Personal advice in Breitenwaida – for businesses from the Hollabrunn district, the whole Weinviertel region, as well as Vienna and Burgenland. We advise in English, German, Polish, Serbian and Bosnian.
