Company health insurance

Company health insurance is gaining in importance

The topic of company health insurance currently appears regularly in the headlines of the specialist press and is the focus of many companies’ strategic considerations.

Employee health is an important factor for employers. Company health insurance offers companies an opportunity to maintain the health of their employees, to close possible gaps in care and thus to actively strive for the well-being of their employees. Demographic change means that more and more older people are employed. In addition, illness-related complaints increase with age. It is worth investing more in the health of the workforce. A company health insurance is the ideal instrument for this. With flexible health modules, sick leave times can be reduced and the efficiency of companies secured in the long term.

The workforce also benefits: The employees enjoy high-quality medical care – this can be experienced first-hand and provides financial relief. The companies motivate and retain good staff, offer new employees real added value and increase their overall attractiveness as an employer.

With freely combinable health modules, companies offer their employees a flexible reward system. Entire workforces or defined groups of employees can be insured. For 10 or more employees, the individual modules can be put together as required.

Contact us.
Our corporate client advisors in the field of supply management will be happy to advise you in detail and work with you to find the most advantageous solution for your company.

The advantages at a glance:

  • Maintaining the health of the workforce and reducing medical costs
  • Image enhancement for the company
  • Increase in productivity through healthy and motivated employees
  • Contributions are business expenses
  • Companies show appreciation for their employees and increase their attractiveness as employers
  • Flexible combination of health modules
  • Little administrative effort

The advantages for the employees:

  • No health check, no waiting
  • Directly available services
  • The employer pays contributions
  • Immediately tangible added value
  • Compensation of gaps in coverage in statutory health insurance; for example with dental care or hospital stays
  • Access to quality medical care
  • Health phone around the clock

Damage from terrorist attacks

Damage from terrorist attacks

More and more terrorist attacks, most recently in Brussels, Paris, Copenhagen and in larger cities in Turkey, have brought the issue of terrorism insurance back into focus. As part of the fire and FBU insurance (insurance for business interruption resulting from fire), such damage is also insured for amounts insured up to EUR 10 million; in the case of contracts up to EUR 25 million, these can usually be included on request for an additional premium. In the case of risks with an insured sum of more than EUR 25 million, there is the option of insuring them separately as part of terrorism coverage.

For this purpose, after the terrorist attacks of September 11, 2001, the special insurer Extremus Versicherungs-AG was founded, which is supported by a large number of well-known industrial insurers. This provides the first 2 billion euros in the event of damage. As part of a state liability, the Federal Government is making a further 8 billion euros available, so that a total of damage of up to 10 billion euros can be covered, which is limited to the individual risk of 1.5 billion euros. This agreement was recently extended to 2019.

The current attacks here in Europe have made this topic more present again. Experts agree that it is only a matter of time before such attacks will also take place in Germany. Therefore, every company should check whether and what risk of a terrorist attack may exist. Companies in the armaments industry and their suppliers, companies in the media industry, larger trading companies and objects with large crowds such as airports, train stations, halls and stadiums are certainly at particular risk. But all other companies should also analyze this topic, since a major loss event can endanger the company’s existence.

Our technical department and your responsible company advisor will be happy to provide you with further information and an offer.



Small, fast, manoeuvrable: hoverboards are super hip, especially with young people, the topic on YouTube and the trend device from the USA is now set to conquer the European market.

This is what you should definitely know about the use of hoverboards:

The general provisions of the StVZO and FZV apply if the design-related maximum speed is more than 6 km / h. Since these vehicles cannot meet the approval regulations for seats, steering, brakes, lighting, mirrors, etc. due to their construction, these boards may therefore only be moved in demarcated non-public traffic.
Otherwise there is a fine and 1 point.

The electric boards offered have a design-related maximum speed of over 6 km / h and must be insured.

Unfortunately, such insurance is currently not offered on the insurance market. Anyone who nevertheless drives on public roads is liable to prosecution according to § 6 PflVersG! Driving such a motor vehicle also requires a driver’s license. Since the legislature was not aware of these boards when defining the driving license classes, it is difficult to determine the specific driving license class.

According to the wording of the law, the boards could fall under motorcycle classes AM, A1, A2, A, but also under car class B. Anyone who uses the boards in public street space without the required driving license class and despite the prohibition is also committing a “criminal offense” according to § 21 StVG (driving without a driving license).

How can you insure a hoverboard?
At present, a hoverboard cannot be insured through motor vehicle liability insurance. The reason for this is that there is no approval and therefore no license number for it. But there is also no possibility of insurance coverage via general liability (e.g. private liability insurance). So if you are on the move with the hoverboard and damage someone else, you have to pay for the damage yourself.

Conclusion: Regardless of the topic of the driver’s license and the
resulting consequences, it should be noted: Damage caused by operating the hoverboard is generally not insurable at the moment. The driver must therefore reimburse property damage or personal injury out of his own pocket.

Machine insurance for rental equipment

Machine insurance for rental equipment

If you rent construction machinery or other mobile devices as an entrepreneur, the rental company will usually charge you not only the rental costs but also costs for taking out machine comprehensive insurance.

These additional insurance costs quickly add up to several thousand euros over the course of a year, depending on the rental volume. In addition, depending on the provider, deductibles of up to 4,000 euros apply in the event of damage, which you must also pay to the lender. This can quickly add up to five-digit additional costs over a whole year.

In the event of damage, the necessary repair costs or – in the event of a total loss – also the replacement costs of an equivalent machine, minus the agreed deductible, will be reimbursed.

The premium for this insurance is based on the rental costs of one year and amounts annual rental costs to around 70,000 euros, usually no more than 1,000 euros annually

Contact us! We would be happy to make you a
corresponding offer.

Our tip:

Take out full machine insurance for rented machines yourself!

Insurance cover then exists for all unforeseen damage, in particular due to

  • operating errors, clumsiness, negligence, malicious intent,
  • construction, material or execution errors,
  • tearing due to centrifugal force, short circuit, overload, foreign bodies, overpressure or underpressure, lack of water in steam generators, failure of measuring , Control or safety devices,
  • storm, frost, ice drift,
  • fire and theft.