A periodic insurance check is essential to make sure that your coverage is comprehensive and cost-efficient. Our analysis of your existing insurance policies helps us identify gaps or over-insurance and provide inputs regarding savings potential that optimizes your protection.
Insurance requirements change over time – triggered by professional or private changes. An analysis of your existing insurance policies helps you ensure that you are:
Comprehensive coverage: We ensure that you are protected against all relevant risks.
Cost optimization: You save premiums by cancelling unnecessary insurance coverage and using better alternatives instead.
Transparency: You gain a clear overview of your insurance coverage and its benefits.
Flexibility: Your insurance strategy is adjusted to current requirements and circumstances.
Private insurance policies (e.g., household contents, personal liability, life insurance, etc.)
Occupational insurance (e.g., occupational pension, accident insurance, daily sickness benefits, business liability, etc.)
Special insurance (e.g., vehicles, real estate, machinery)
Lack of coverage: Are there risks that are not covered?
Over-insurance: Are you paying for insurance you don't need?
Savings potential: Are there any cheaper alternatives or combination options?
Custom-fit insurance coverage
Cost savings by comparing providers and products
Adjusting insured sums to your current circumstances
Support in canceling unnecessary policies, switching to appropriate providers, or adjusting existing contracts
smzh ag stands for transparency, expertise, and full independence. It is our goal to find the best insurance solution for your business – with no self-interests or hidden sales intentions. Why partner with smzh?
We analyze. We compare. We optimize. So you end up having the best insurance solution for your business and employees.
Call us or make an appointment online for a non-binding first conversation. We look forward to hearing from you.
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.
Insurance coverage needs to develop alongside your business. New risks, different structures, or additional locations often require adjustments to coverage. Moreover, insurance companies regularly adjust their rates, and that alone is a reason to regularly review your coverage. A check-up helps close insurance gaps, avoid unnecessary premiums, and optimize protection.
Depending on the business model, we analyze business liability insurance, property and transport insurance, insurance of vehicle fleets, cyber risk insurance, as well as staff-related insurance such as accident, daily sickness benefits, and occupational insurance.
We are independent and not tied to any insurance company. We compare offers of various providers, examine price-performance, transparently show differences, and provide you with an objective assessment to base your decision on. In the end, you decide which provider and which insurance you would like to choose. If requested, we also support you in implementing and completing the selected solution.
You gain a better overview, have greater certainty, and often achieve tangible savings. This gives you clarity regarding your actual coverage, helps you avoid expensive over- or under-insurance, and choose solutions that suit your business.
