Content insurance + content insurance for farmers

Maik Sammer

Content insurance + content insurance for farmers


Your advantages with us

  • Independence - We are not bound to a specific provider
  • Large banking, insurance and financial services network
  • because of the network - big product access and comparison possibilities
  • Years of experience
  • Choice between fee-based billing with products at net rates or the classic commission payment of the product provider
  • Individual offers - we will find the right product for you

 

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    More information about Content insurance + content insurance for farmers

    During the company holidays …

    … stores and production facilities are deserted. Chef and staff recover on vacation. Burglars unfortunately do not have holidays. And even bad weather can not be planned – in contrast to the company content insurance, the all-round protection for your business.

    The production hall devastated, the warehouse cleared, the office furniture demolished: Anyone who finds his company after the plant holidays like that would like to have never taken a holiday. Many a businessman faces ruin when unpredictable events such as burglary, fire or storm destroy his life’s work.

    You can not protect yourself from the damage yourself, but against the financial losses already: With the company content insurance. So you can look forward to the well-deserved vacation calm.

    Your benefits at a glance

    Protection of your technical and commercial operating equipment including all goods and supplies, protection against fire, burglary and natural hazards as well as dynamic value adjustment.

    Why is this insurance important to you?

    Fire, burglary but also natural events such as floods or wanton damage can cause great damage to your business.

    Before the damage itself, the company content insurance can not protect you, but against the financial losses that you incur by the replacement or repair of the destroyed property.

    What is insured?

    Your insurance covers your technical and commercial equipment as well as your goods and supplies, i. all movable property, as far as you are the owner or the property under retention of title acquired.

    Maybe you also take things of your customers for processing or repair in your care – then these things are also insured.
    Due to price increases, your insured amount can quickly be too low.

    Here we have provided:
    Due to the dynamic value adjustment, you have the certainty in the event of a claim that you will receive a payout equal to the new purchase price of your facility.

    Scope of service in detail

    The insurance cover can be put together individually according to your needs. We offer u.a. the following security blocks:

    Fire
    Burglary including vandalism
    tap water
    Storm / hail
    Elementary
    Damage caused by civil unrest, strike or lockout, vehicle impact, smoke, supersonic pressure waves
    unnamed dangers
    Additional cover for the technical equipment
    transport

    You can also select a loss of income insurance for the “Fire” through “Untimely Dangers” danger modules.

    Where are you insured?

    Insurance cover exists at the place of insurance. The place of insurance is the designated business and storage space designated in the insurance policy.

    Newly added business properties within the Federal Republic of Germany are automatically insured up to a certain compensation limit for a certain period of time.

    What costs are insured?

    In the event of damage, we not only replace the material damage incurred, but also a large number of other expenses, e.g.

    Fire extinguishing, cleaning and demolition costs
    Expenses for the restoration of files and plans
    expert fees
    Additional costs due to technology progress
    Damage to outside things attached to the building

    The additional expenses we assume up to 100% of the sum insured, a maximum of 2.5 million euros. In the event of a claim, the sum insured will be available again without any additional contribution.

    Also cash is insured up to 30,000 euros in locked vaults and safes and up to 3,000 euros in other containers that are protected against removal insured. Outside these containers, cash is insured up to 300 euros.

    Tips:

    No matter if a fire shatters your business, burglars clear your warehouse or a storm puts everything under water: You need to secure equipment, goods and supplies just in case.

    As an independent farmer …
    … you are responsible for your farm and the consistently high quality of your products. Because you carry the full risk, you need a wide field of security.

    Many farmers are facing ruin when unpredictable events such as burglary, fire or storm destroy their lifework.
    With Agricultural Content Insurance, you can insure your entire inventory against all damage from fire, explosion and lightning, burglary, tap water, storm and hail, and natural hazards.

    You can not protect yourself from the damage yourself, but from the financial losses already: With the agricultural content insurance.

    Your benefits at a glance

    Protection of your technical and commercial equipment including your livestock and your livestock facilities
    Protection against fire, burglary and natural events as well as dynamic value adjustment.

    What is insured?

    In addition to your livestock as well as your technical and commercial operating equipment, your machinery and equipment as well as all facilities including your livestock facilities are also insured for harvest stocks, non-approved vehicles and trailers.

    Which claims are insured?

    All claims are insured in which the insured property is destroyed, damaged or lost by one of the insured dangers.

    What costs are insured?

    The insurance not only pays the property damage. Comprehensive additional cost items that may be due to you in the event of a claim are included in the insurance cover without any contribution. For example,

    Things in field barns and (large) ball bearings
    Cleaning, demolition, fire-fighting costs
    Overvoltage damage due to lightning

    and many more costs.

    Will my facility be replaced as new?

    Basically, your company equipment will be replaced to the new value; Price increases can make their insured amount too short.

    Here we have made double provision:

    For companies up to 500 ha, insurers have developed a computer-aided model for the calculation of a lump sum. Thus, minimum insurance sums can be calculated, by which an underinsurance is avoided.
    Dynamic value adjustment gives you the security in case of a claim to receive a payout that matches the new purchase price of your valuable facility.

    Scope of service in detail

    The insurance cover can be put together individually according to your needs. We offer the following danger pallets:

    Fire
    Burglary including vandalism
    tap water
    Storm / hail
    natural hazards

    Furthermore, you can integrate self-propelled machines at fair value in the insurance cover.

    How can I complete content insurance?

    A sensible supplement to agricultural content insurance is the additional cost and income loss insurance. This insurance covers additional costs incurred in case of fire damage to continue your production and replaces lost profits.

    Tips:

    By taking out a agricultural content insurance you can benefit from the favorable conditions and useful services of a free membership in the Agricultural Insurance Association.

    No matter if a fire ruins your agricultural business, burglars clear your warehouse, or a storm puts everything under water: You need to secure your facility, goods and supplies just in case.