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The most important insurance for your business — protection against third-party compensation claims arising from your business activities.
Business liability insurance (Betriebshaftpflichtversicherung) protects your company against the financial consequences if third parties suffer damage as a result of your business activities. It covers personal injury, property damage and financial loss arising in the course of running your business — on your premises, at customers’ sites or through your products. At the same time, it defends you against unjustified claims.
As an entrepreneur you are fully liable for damage caused by your business. A single claim can threaten the existence of your company:
Medical costs, compensation for pain and suffering (Schmerzengeld) and loss of earnings if a person is injured as a result of your business activities.
Repair or replacement costs if someone else’s property is damaged or destroyed by your business.
Financial consequential losses such as loss of profit or loss of use at your customers’ premises.
Cover for damage caused by products you manufacture or sell.
Cover for damage to rented offices, workshops or other properties used for business.
The insurer checks every claim and covers the costs of defending against unjustified claims.
Business liability insurance is essential for practically every business in Austria:
In principle every business — from a one-person company to a large enterprise. A single case of personal injury or property damage to third parties can threaten the existence of the business.
Employees are usually co-insured automatically. For subcontractors and helpers, a separate check of the contract is recommended.
That depends on the exact wording of the contract — damage caused by commissioned subcontractors should be checked separately.
For damage caused by defective products there is product liability insurance, which is often part of business liability insurance.
Yes, because the premium often depends on turnover, significant changes should be reported so as not to risk a gap in cover in the event of a claim. Many business contracts therefore have an annual premium adjustment (Prämienregulierung): the insurer sends us a questionnaire on actual turnover or payroll, we forward it to you, you complete it together with your tax adviser and send it back to us. The premium is then adjusted to the actual figures – up or down.
Content reviewed by: Agnieszka Valenta, insurance broker · As of October 2026
We check the sums insured, the co-insurance of your employees and product risks, and put together liability cover that suits your industry.
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.
