Liability risks
Haftungsrisiken: Ausreichende Absicherung über TBO Haftungsrisiken: Ausreichende Absicherung woanders; keine Beratung gewünscht Haftungsrisiken: Ausdrücklich keine Absicherung gewünscht Haftungsrisiken: Beratung gewünscht
As a private person, you have unlimited liability under the BGB for damage that you culpably cause to third parties. This also includes damage caused by your possession or things that are in your care, such as Animals, buildings or boats.
There are various liability insurance policies to protect yourself against any claims. These include following insurance lines:
Private liability insurance
Animal liability insurance
Home and landowner liability insurance
House building liability insurance
Other liability insurances
Habitation
Wohnen: Ausreichende Absicherung über TBO Wohnen: Ausreichende Absicherung woanders; keine Beratung gewünscht Wohnen: Ausdrücklich keine Absicherung gewünscht Wohnen: Beratung gewünscht
Owning a home, building a new home and even renting an apartment or a room in a shared apartment creates risks. Natural hazards such as storms or natural hazards, crimes committed by third parties or fires can destroy your property and cause loss of life. You can, among other things, protect with the following insurance lines:
Household insurance
Glass insurance
Property insurance
Photovoltaic insurance
Construction insurance
Legal disputes
Rechtliche Auseinandersetzungen: Ausreichende Absicherung über TBO Rechtliche Auseinandersetzungen: Ausreichende Absicherung woanders; keine Beratung gewünscht Rechtliche Auseinandersetzungen: Ausdrücklich keine Absicherung gewünscht Rechtliche Auseinandersetzungen: Beratung gewünscht
The cost risk from legal disputes continues to rise. On the one hand, the fees for lawyers and courts are increased regularly, on the other hand, the increasing willingness to fight leads to more and more lawsuits. In practice, a lack of cost protection often leads to people being unable to enforce their rights. On the other hand, insurance solutions can help, including:
Accidential risks
Unfallrisiken: Ausreichende Absicherung über TBO Unfallrisiken: Ausreichende Absicherung woanders; keine Beratung gewünscht Unfallrisiken: Ausdrücklich keine Absicherung gewünscht Unfallrisiken: Beratung gewünscht
The financial consequences of a serious accident are partly covered by other lines of insurance such as liability, disability and health insurance. Nevertheless, various gaps arise; but also not only if the aforementioned insurance policies do not exist or only insufficiently.
This topic includes following insurance lines:
Car insurance
Autoversicherung: Ausreichende Absicherung über TBO Autoversicherung: Ausreichende Absicherung woanders; keine Beratung gewünscht Autoversicherung: Ausdrücklich keine Absicherung gewünscht Autoversicherung: Beratung gewünscht
Motor vehicle liability insurance is compulsory for most motor vehicles. However, this only insures damage to third parties, but not to your own vehicle. Therefore, extensions through partial and fully comprehensive insurance, protective letters and various additional modules are possible and often sensible.
Incidentally, we check your car insurance every year and will contact you automatically if we can recommend a sensible change. You don't have to do anything.
Health care
Krankheitsrisiken: Ausreichende Absicherung über TBO Krankheitsrisiken: Ausreichende Absicherung woanders; keine Beratung gewünscht Krankheitsrisiken: Ausdrücklich keine Absicherung gewünscht Krankheitsrisiken: Beratung gewünscht
If you have statutory health insurance, there are numerous ways to improve coverage beyond the benefits provided by statutory health insurance. It may also be possible to switch to private health insurance, or to switch to private health insurance or to change tariffs.
To protect against illness risks there are the following insurance lines:
Full private health insurance
International travel health insurance
Travel cancellation insurance
Private supplementary health insurance
Insurance of work ability
Absicherung der Arbeitskraft: Ausreichende Absicherung über TBO Absicherung der Arbeitskraft: Ausreichende Absicherung woanders; keine Beratung gewünscht Absicherung der Arbeitskraft: Ausdrücklich keine Absicherung gewünscht Absicherung der Arbeitskraft: Beratung gewünscht
Our workforce represents a large part of your assets and we strongly recommend that you secure them with suitable insurance solutions. Unfortunately, the state does not offer any viable protection and in the event of disability, the very existence is threatened in most cases. The protection of the worker can include through the following insurance lines:
Disability insurance
Dread Disease
Basic ability insurance
Daily benefits insurance
Protection against death
Todesfallabsicherung: Ausreichende Absicherung über TBO Todesfallabsicherung: Ausreichende Absicherung woanders; keine Beratung gewünscht Todesfallabsicherung: Ausdrücklich keine Absicherung gewünscht Todesfallabsicherung: Beratung gewünscht
The death of a loved one is emotionally difficult or difficult to process. If financial concerns are added afterwards, the processing process is often made significantly more difficult. Risk life insurance can of course not change the pain of the bereaved. However, it can ensure that you can focus on the grief and not have to worry about money problems.
Care case insurance
Pflegefallabsicherung: Ausreichende Absicherung über TBO Pflegefallabsicherung: Ausreichende Absicherung woanders; keine Beratung gewünscht Pflegefallabsicherung: Ausdrücklich keine Absicherung gewünscht Pflegefallabsicherung: Beratung gewünscht
The benefits of compulsory long-term care insurance are unfortunately far from sufficient to cover the costs of care in the event of care. The pension providers then demand the consumption of their own assets, the sale of their own real estate and increasingly take their relatives into recourse. Private supplementary long-term care insurance can be a good solution here. We strongly recommend protection in this area.
