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Protection for your company’s building, equipment, machinery and stock – against fire, burglary, water damage and storm.
Commercial property insurance – often called business or shop insurance – pays for damage to your company’s property: the business premises, office and shop fittings, machinery, goods and stock. It covers the classic perils of fire, burglary, water damage from pipes and storm and, depending on the tariff, glass breakage and other natural hazards. The individual modules are often combined in a single policy.
A single fire or water damage can threaten the existence of a business:
Fire, lightning and explosion – including extinguishing and clean-up costs.
Stolen or damaged equipment and goods as well as damage to doors and windows.
Damage caused by water escaping from pipes and connected appliances.
Storm, hail, snow load and, depending on the tariff, flooding.
Shop windows, glass doors and glass surfaces of your premises.
Depending on the tariff, damage to machines caused by operating errors, short circuits or material defects.
It makes sense for every business with its own inventory – especially for:
No, building and contents are separate modules. If you own the building, it should be insured separately; as a tenant you usually only insure the contents.
If the sum insured is lower than the actual value, compensation is reduced proportionally – even for partial losses. Reviewing the sums regularly prevents this.
That depends on the tariff. Goods outside the business, e.g. on building sites or in vehicles, can often be covered by an external or transport insurance.
Content reviewed by: Agnieszka Valenta, insurance broker · As of November 2026
Together with you we record the values of your business, check the right modules and compare offers from several insurers.
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.
