Betriebsversicherungen

20 Austrian Supreme Court decisions for businesses

Clear summaries from liability, property, business interruption and specialist insurance.

1. Work on third-party property: activity-damage exclusions can be decisive.

Practical relevance depends on the exact policy wording, the facts of the loss and the applicable legal rules. The German page contains the detailed summary and source reference.

2. Guest property: accommodation businesses owe due care, not an absolute guarantee.

Practical relevance depends on the exact policy wording, the facts of the loss and the applicable legal rules. The German page contains the detailed summary and source reference.

3. Customer access routes must be reasonably safe; contributory negligence may still apply.

Practical relevance depends on the exact policy wording, the facts of the loss and the applicable legal rules. The German page contains the detailed summary and source reference.

4. Planning errors are not always merely uninsured contract performance.

Practical relevance depends on the exact policy wording, the facts of the loss and the applicable legal rules. The German page contains the detailed summary and source reference.

5. Before working on IT systems, backup responsibilities must be professionally clarified.

Practical relevance depends on the exact policy wording, the facts of the loss and the applicable legal rules. The German page contains the detailed summary and source reference.

6. Security services require attention, but cannot guarantee that every theft is prevented.

Practical relevance depends on the exact policy wording, the facts of the loss and the applicable legal rules. The German page contains the detailed summary and source reference.

7. Defective ventilation systems can create claims for rectification costs.

Practical relevance depends on the exact policy wording, the facts of the loss and the applicable legal rules. The German page contains the detailed summary and source reference.

8. Business liability does not automatically cover the entrepreneur’s own performance risk.

Practical relevance depends on the exact policy wording, the facts of the loss and the applicable legal rules. The German page contains the detailed summary and source reference.

9. An alarm is ineffective if the signal is not technically transmitted.

Practical relevance depends on the exact policy wording, the facts of the loss and the applicable legal rules. The German page contains the detailed summary and source reference.

10. Water entering through a roof may involve several causes and several trades.

Practical relevance depends on the exact policy wording, the facts of the loss and the applicable legal rules. The German page contains the detailed summary and source reference.

11. Gross negligence can endanger fire insurance cover.

Practical relevance depends on the exact policy wording, the facts of the loss and the applicable legal rules. The German page contains the detailed summary and source reference.

12. Storm damage and pre-existing construction defects must be separated.

Practical relevance depends on the exact policy wording, the facts of the loss and the applicable legal rules. The German page contains the detailed summary and source reference.

13. In water damage insurance, the consequential property damage is usually the insured event.

Practical relevance depends on the exact policy wording, the facts of the loss and the applicable legal rules. The German page contains the detailed summary and source reference.

14. Partial interruption requires a calculation of the actual lost contribution margin.

Practical relevance depends on the exact policy wording, the facts of the loss and the applicable legal rules. The German page contains the detailed summary and source reference.

15. A blanket exclusion for data loss after software updates may be ineffective.

Practical relevance depends on the exact policy wording, the facts of the loss and the applicable legal rules. The German page contains the detailed summary and source reference.

16. A legal expenses event generally begins with the actual or alleged legal violation.

Practical relevance depends on the exact policy wording, the facts of the loss and the applicable legal rules. The German page contains the detailed summary and source reference.

17. Replacement value does not always mean the full price of a modern new machine.

Practical relevance depends on the exact policy wording, the facts of the loss and the applicable legal rules. The German page contains the detailed summary and source reference.

18. Goods-in-transit insurance is property insurance with defined exclusions.

Practical relevance depends on the exact policy wording, the facts of the loss and the applicable legal rules. The German page contains the detailed summary and source reference.

19. Construction insurance covers insured works, but not automatically every subcontractor’s work.

Practical relevance depends on the exact policy wording, the facts of the loss and the applicable legal rules. The German page contains the detailed summary and source reference.

20. D&O cover often depends on a serious claim being made against the insured manager.

Practical relevance depends on the exact policy wording, the facts of the loss and the applicable legal rules. The German page contains the detailed summary and source reference.

Court summaries are general information and do not replace legal advice or an individual coverage assessment.