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Tailored insurance solutions for business

Comprehensive and individualized insurance coverage is crucial to effectively protect your business against a wide range of risks. We support you in identifying the right insurance policies, tailored precisely to the specific needs and requirements of your company.

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The basics

Every company is unique and faces different challenges. Standardized insurance coverage often cannot address all specific risks. A tailored insurance solution offers you:

  • Comprehensive protection: Coverage of all relevant risks that may arise in your specific business environment.
  • Cost efficiency: Avoidance of overinsurance and reduction of unnecessary premiums.
  • Flexibility: Ability to adapt to changes within your company or market environment.

Our approach to developing an ideal insurance solution for you

1. Detailed risk analysis
We conduct a detailed assessment of your operational risks to gain a clear understanding of the specific requirements of your business.
2. Individualized advice
Based on the risk analysis, we advise you on suitable insurance products that cover your specific needs.
3. Tailor-made insurance concepts
We develop an insurance package that is ideally tailored to your company and that takes into account all identified risks.
4. Negotiation & support from offer to conclusion
We negotiate optimal conditions for your insurance solutions – for an outstanding price-performance ratio.
5. Continuing support
We regularly examine your insurance coverage and adjust it to changes in your company's situation or new legal requirements.

Your advantages at a glance

1

Certainty

  • Certainty that your company is protected against all relevant risks.

2

Efficiency

  • Optimized insurance protection at reduced costs.

3

Transparency

  • Clarity about the scope and conditions of your insurance protection.

4

Adaptability

  • Flexible insurance protection that grows along with your company and continues to develop.

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Commercial liability insurance

Learn why commercial liability insurance is essential for businesses and which additional insurance options may be beneficial. Protect yourself against financial risks and safeguard your company’s future.

(in German)

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Inventory insurance

Protect your company’s assets with inventory and property insurance against damages caused by fire, water, theft, and more.

(in German)

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Legal protection insurance

In this video, you will learn how legal expenses insurance can protect your business from the financial and time burdens of legal disputes.

(in German)

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Corporate liability insurance

Discover the key aspects of directors and officers (D&O) liability insurance, which protects members of executive management, the board of directors, and other corporate bodies against legal disputes.

(in German)

smzh Office - desktop

smzh for you

Why choose us?

  • Independent expertise: As independent advisors, we are not tied to any specific insurance providers and can offer you objective recommendations.
  • Industry-specific know-how: We have extensive experience across various industries and understand the specific risks and requirements involved.
  • Holistic approach: We view your business as a whole and develop integrated insurance solutions that take all relevant aspects into account.

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.

Contact us

We begin by conducting a detailed risk analysis of your business together with you. Based on this analysis, we develop a tailored insurance concept, which we review regularly and adjust as needed.

You benefit from comprehensive and targeted protection, avoid unnecessary costs due to overinsurance, and receive flexible coverage that can grow and adapt with your business.

Standard insurance policies often provide only general coverage, failing to address many industry-specific or individual risks. A customized solution ensures that precisely those risks relevant to your business are covered.

Depending on your needs, areas such as property, business interruption, liability, cyber risks, transportation, employee protection, and many others can be individually insured.

We recommend a regular review – at least once a year or whenever there are significant changes in your business (e.g., new business areas, major investments, changes in legislation).