Business liability
Cover for justified liability claims and defence against unjustified demands.
Review cover →Business insurance for companies in Austria
Your business deserves protection that truly fits.
We do not only compare premiums. We examine activities, potential losses, policy terms and possible gaps in cover – independently and personally.
- Independent insurance broker
- Austrian legal and market expertise
- Support during claims
PersonalA direct contact instead of an anonymous hotline
IndependentSelection of suitable insurers and policy terms
PracticalProtection based on real loss scenarios
Long termAdaptation as your business changes
The key question
What happens to your business if something goes wrong tomorrow?
A loss rarely affects only one item. It can trigger customer claims, business interruption, ongoing fixed costs, data loss, legal disputes and personal liability.
Good insurance protection therefore starts with the consequences, not with a product name.
Insurance modules
Specific risks. Clearly explained.
The appropriate modules depend on your industry, activities, size, location and financial dependencies.
Property insurance
Buildings, contents, goods, stock and equipment against agreed perils.
Assess values →Business interruption
Protection against lost income and continuing costs following an insured loss.
Calculate interruption risk →Cyber insurance
Support following attacks, data loss, extortion, privacy incidents and IT downtime.
Discuss cyber risk →Legal expenses insurance
Cover for legal costs in selected areas, depending on the contract and waiting periods.
Review legal areas →Machinery & electronics
Protection for technical equipment and devices, including agreed operating or material defects.
Protect your equipment →Transport & installation
Goods, tools and projects in transit, at the customer’s premises or during installation.
Review transport exposure →D&O and specialist risks
Personal management liability, fidelity risks and industry-specific cover.
Clarify specialist risks →Industry solutions
An installer needs different protection from an IT company.
What matters is not the industry label, but the actual activities, contracts and liability scenarios.
Construction & trades
Construction sites, installation work, damage to worked-on property, tools, vehicles and consequential losses.
IT & consulting
Financial loss, project errors, data protection, cyber risks and contractual liability.
Retail & trade
Goods, product liability, interruption, transport, burglary and cyber risks.
Hospitality & catering
Guest liability, kitchens, refrigerated goods, business interruption, employees and events.
Healthcare & professionals
Professional liability, premises, equipment, data protection and personal earning capacity.
Manufacturing & workshops
Machinery, fire, business interruption, product liability and environmental risks.
From claims practice
Insurance proves its value when a claim occurs.
Liability
A pipe is damaged during installation work.
In addition to repairs, drying costs, downtime and damage to third-party property may arise. The exact activity, work-on-property exposure and agreed sub-limits are crucial.
Cyber
A small business suddenly loses access to its data.
Rapid IT support, restoration, legal assessment and communication are required. The value often lies in organised emergency assistance, not only in a financial payment.
Business interruption
The property damage is repaired, but the business is still unable to operate.
Delivery times, regulatory requirements or replacement procurement can prolong the interruption. The indemnity period and sum insured must reflect the realistic restart time.
These examples are simplified and do not constitute a promise of cover. The specific contract, terms and circumstances apply.
Business insurance review
Five points that are often more important than a low price.
We review existing contracts for areas where protection may be unclear or incomplete in practice.
Request a review- 1Are all business activities fully described?
Ancillary services, installation, work at customers’ premises or new business areas can affect cover.
- 2Are sums insured and sub-limits appropriate?
The overall limit and individual sub-limits must reflect the potential major loss.
- 3Is the loss of income calculated realistically?
Fixed costs, contribution margin and restart time are key to business interruption cover.
- 4Which exclusions and duties apply?
Maintenance, safeguards, notification deadlines and contractual exclusions may become relevant in a claim.
- 5Has the contract been kept up to date?
Turnover, employees, location, machinery, vehicles and services change the risk.
OGH decisions
What the courts decided – and what businesses can learn from it.
Twenty selected decisions concerning installers, accommodation, retail, planning, software, security services, roofing work as well as fire, storm, water damage, cyber, legal expenses, transport and D&O.
Downloads & practical tools
Documents that are genuinely useful in day-to-day business.
Further downloads will be added gradually. They do not replace advice or a contract review.
Frequently asked questions
Important answers before the first conversation.
The specific assessment always depends on your business and the insurance terms.
Which insurance policies does a company need?
This depends on activities, business size, location, assets, employees, contracts and potential loss scenarios. Liability, property, business interruption, legal expenses and cyber insurance are often relevant.
Is business liability insurance legally required?
There is no general requirement for every business. Certain professions and activities may, however, be subject to statutory, professional or contractual requirements.
Can existing insurance contracts be reviewed?
Yes. The business description, sums insured, deductibles, exclusions, duties, underinsurance and overlaps can all be reviewed.
Is cyber insurance useful for small businesses?
Small businesses can also be affected by data loss, extortion, downtime or privacy incidents. The appropriate scope depends on IT dependency and potential loss.
What does business insurance cost?
A reliable flat-rate answer is not possible. Premiums depend on industry, turnover, payroll, business size, claims history, sums insured, deductibles and scope of cover.
What should be done in the event of a claim?
Limit the damage, preserve evidence, avoid unnecessary admissions, observe deadlines and report the claim promptly. We support you with documentation and communication.
Directions to our office
Personal advice in Euratsfeld.
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Address
SICHER mit HELM
Herbert Helm MBA
Saliterweg 8
3324 Euratsfeld
Austria
Appointments by arrangement. Parking is available directly at the office.
Personal advice
Briefly describe your business. We will clarify the rest together.
By telephone, email or during a personal meeting in Euratsfeld.
Insurance broker and adviser in insurance matters
Saliterweg 8
3324 Euratsfeld
Austria