A well structured insurance portfolio protects your business against financial risks and creates stability, be it in terms of liability issues, employee pension, or damage to assets. At the same time, however, superfluous insurance coverage or coverage gaps can result in high costs or expose your business to risks.
Insurance against compensation claims from third parties.
Protects your business assets such as buildings and inventory.
Pension fund, daily sickness benefits insurance, and accident insurance protect your employees and your business.
Optimization by reducing duplicate insurance coverage and unnecessary policies.
Determine which insurance cover you currently have (e.g., liability insurance, property insurance, daily sickness benefits insurance, accident insurance).
Analyze the risks you are insured against, insurance sums, and premiums.
Identify policies with redundant benefits.
Cancel unnecessary insurance policies or remove superfluous coverage.
Assess whether relevant risks are sufficiently covered (e.g., cyber insurance, which is becoming increasingly vital in today's digital business world).
Close coverage gaps that might jeopardize your company's existence.
You may be eligible for discounts if you conclude several policies with the same insurance provider.
Update your insurance portfolio annually to adjust it to new business requirements and market conditions.
As an independent financial partner, smzh ag provides:
Insurance check-up: We analyze your existing policies with special attention to efficiency, coverage gaps, and duplicate insurance.
Tailor-made recommendations: We find the best insurance offers on the market for you – transparently and independently.
Long-term support: We accompany you in continuously optimizing your insurance portfolio so it is always up to date.
Do you have any questions regarding your insurance portfolio or would like to get an independent insurance assessment? Schedule a free consultation with our experts:
We handle questions such as those shown on the right on a daily basis. You don't need to deal with them by yourself – our 360° Check-Up is free of charge and non-binding.
Check whether the same risks are covered by several policies. An insurance check-up by smzh ag can identify such duplicates efficiently.
Business liability insurance, property insurance, daily sickness benefits insurance, accident insurance, and, if required, additional coverage for risks sich as cyber risks.
At least once a year or in case of significant changes in your business model.
Yes, other providers may offer cheaper alternatives or better benefits. We help you find the best options.
We analyze your portfolio, identify savings potential, and find tailor-made solutions that suit your business perfectly.
