Every company has its own individual risk profile which is determined by the industrial sector, the structure and key factors.

In general, we can distinguish 3 categories of risks 


Risks jeopardising the existence


Risk, which endanger the existence of the company, once they become effective. 
These almost certainly include elementary events such as fire, flood and in general, all events leading to business interruption. As far as key staff or freelancers are concerned, a severe accident could jeopardise this existence. 

It is obvious that total & permanent disability insurance has to be mentioned here as well, including all specifications such as product liability, CMR, etc.. With regard to the private sector, loans should be secured by means of a survivors’ insurance. 


• Economic risks


Though the company can absorb such risks, they still could – if the risks are higher – have negative impact on the economic situation. In this context D&O, legal protection insurance, life-insurance, comprehensive insurance for automobiles and trucks, burglary and theft insurance etc. should be mentioned. Depending on the nature and purpose of the business, the risk transfer for fidelity guarantee claims plays an increasingly important role. 

Agreeing a percentage share is part of the economic calculation and offers a more cost-effective way to cover risks which are jeopardising the existence. 


• Social insurance aspects


Health promotion, employee loyalty, tax allowance etc. could include business insurance such as pension reinsurance, group health insurance or pension fund solutions. This system does not focus on risk aspects but on the company’s benefits resulting from indirect management. 


It is our task to cooperate with our customers to analyse the risk profile and to offer risk management, which is possible not only on insurance level.