BUSINESS CLIENTS · PHYSICAL ASSETS
Business fittings, stock and technical installations can be insured, and should be.
Free first consultation →The problem
A fire, a flood or a break-in can destroy everything a business owns. The cost of replacement plus the interruption to trading can put a company into serious difficulty very quickly, especially if the sum insured is out of date.
Worked example
If the sum insured is too low, the settlement is cut in the same proportion, and the business carries the difference.
Our solution
We establish the real value of your business contents and cover it with a tailored contents policy, including technical equipment, stock and fittings. We pay particular attention to correct replacement values, to avoid under-insurance.
Book an appointment →The hard facts
60%
of businesses are under-insured without realising it.
50%
If the sum insured is half what it should be, the insurer pays only half.
10%
is the recommended safety margin on top of the sum insured.
Replacement value
What is insured is the replacement value, not the depreciated value.
Worth knowing
A contents policy pays the replacement value, not the written-down value, so you can actually buy again what was destroyed.
If the sum insured is below the real value, the insurer reduces the settlement proportionately. An up-to-date valuation protects you.
With an average waiver the insurer does not recalculate in a claim, provided the sum was worked out correctly.
New machinery, more stock, alterations: the value of your contents often grows unnoticed. The sum insured should be adjusted regularly.
37+ years
in the market
100%
independent advice
DEWE
Certified partner of Deutscher Wertschutz e.V.
Why it matters
Update the values
Record fittings, equipment and stock at replacement value regularly.
Avoid under-insurance
Set the sum insured with a safety margin, or consider an average waiver.
Adjust regularly
Prices and holdings change, so review the sum every year.
A free first consultation, in person, by phone or by video. You then decide how to proceed.
Book an appointment →