Public liability insurance and agricultural business liability insurance
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More information about Public liability insurance and agricultural business liability insurance
The business liability insurance covers the liability claims that you culpably inflict on a third party through your business activities. Unauthorized claims are rejected. The risk of liability exists on the one hand for the company and on the other hand for all employees.
Public liability insurance (BHV) covers the risks of traders, industrial buyers, freelancers and all craftsmen. Partly there is a duty to insure!
So that a carelessness does not follow the bankruptcy
Whoever harms others must pay for it. This applies not only in the private sector, but also in business life. The sources of danger are manifold and can cost the operational existence in case of emergency. That’s why customized insurance protection is required.
Imagine, a business associate who comes to your office, stumbles over a crate that has been briefly parked in the corridor, and breaks his arm. In this case you will be presented with the bill.
How good if you do not have to pay them yourself.
Your benefits at a glance
We offer a tailor-made insurance concept for almost every business and almost every job
We check for you in case of damage, whether the claims are justified
justified claims are settled. We defend against unjustified or excessive claims for you and the insured, if necessary in court.
Why is this insurance important to you?
Allianz’s public liability insurance is a necessary safeguard for any company. Because the danger, that non-company people come to harm, is always. We offer a tailor-made insurance concept for almost every business and almost every job description.
Who is insured?
Insurance cover exists for you and your employees for activities within the insured business
What is insured?
In case of damage, we check whether you can be held liable and whether the amount of the claims is justified. For justified claims, we pay these up to the amount of the agreed sums insured. We defend against unjustified or excessive claims for you and the insured, if necessary in court.
Insured are:
Personal injury (treatment costs, compensation for pain)
Property damage (repair or replacement costs)
Property damage as a result of personal injury or property damage (loss of earnings, loss of use or loss of profit).
Agricultural business liability insurance
A lot can happen on your farm – in the fields and pastures, in the forest or on the streets there is always the danger that someone will be harmed. As an entrepreneur, you are obliged to pay damages.
Your benefits at a glance
Insured are personal injury, property damage and financial loss as a result of personal injury or property damage
and the examination in case of damage, whether you are liable and the amount of the claims is justified
justified claims are settled. Unauthorized or excessive claims are repulsed by the insurance for you and the insured, if necessary in court.
Why is agricultural business liability insurance important to you?
The agricultural public liability insurance of Allianz is a necessary safeguard for every farmer. Because the danger that someone will be harmed by your business or your products is always there. Your specific operational risks are thus optimally secured. Here are just a few examples: direct sale from the farm, farm animals, even if they are occasionally ridden, farm holidays to 15 beds.
We offer a tailor-made insurance concept for almost every farm.
Who is insured?
Insurance cover exists for you and your employees for activities within the insured agricultural business.
What is insured?
In case of damage, we check whether you can be held liable and whether the amount of the claims is justified. For legitimate claims we settle these up to the amount of the agreed sum insured. We defend against unjustified or excessive claims for you and the insured, if necessary in court.
Insured are:
Personal injury (treatment costs, compensation for pain)
Property damage (repair or replacement costs)
Property damage as a result of personal injury or property damage (loss of earnings, loss of use or loss of profit).
When are you insured?
The insurance cover begins on the date stated in the insurance policy if the contribution is paid immediately. The insurance contract has been concluded for the period specified in the insurance policy. He continues to grow from year to year if he is not terminated.
When are you insured?
The insurance cover begins on the date stated in the insurance policy if the contribution is paid immediately. The insurance contract has been concluded for the period specified in the insurance policy. He continues to grow from year to year if he is not terminated.
Which claims are insured in the agricultural business liability?
Personal injury: e.g. Five young cattle are breaking in the pasture at night
out. One of the animals crashes head-on against a motorcycle. The driver is seriously injured. Treatment in the hospital costs 85,000 EUR. In addition, the injured person is entitled to compensation.
Property damage: A non-compulsory combine harvester must drive through a bush to get on the road. Despite the utmost caution he collides with a car. This creates a sheet metal damage of 3,200 EUR.
Property loss: business interruption by third parties as a result of property damage.