atRisk areas Risk areas We think of risk holistically. Instead of protecting against dangers selectively, companies should analyze their risk situation comprehensively. In addition to the classic car, transport or property damage, more and more new risks are coming into focus. Because mega-trends such as digitization or globalization have an impact on the risk situation of companies. Is your company protected against the consequences of a cyber attack? Do you have a contingency plan for a sudden business interruption? In our world, where business is becoming more and more global, do you also have political risks on your agenda? We give you an overview of the relevant risks for companies - just click inside! New risks Pandemic Risks / Coronavirus When a pandemic breaks out, the world switches to crisis mode. The consequences for the economy are enormous. We provide an overview of insurance and risk management in times of crisis. Learn more Risks in M&A processes The M&A market is booming: In a constantly changing market environment, transactions are the key to the success and future viability of companies - but they also involve many risks. Learn more Political Risks Due to globalization, companies are now networked with partners and customers all over the world. This brings new challenges, and the associated developments can have a direct impact on business success. Learn more Reputational risks A bad image can be expensive. Values such as reliability, a sense of responsibility and trust are therefore particularly worthy of protection for companies. Individual risk management solutions arm you against the consequences of reputational risks. Cyber risks In today's world, cyber attacks can have serious consequences. IT alone cannot master this growing challenge. Companies are forced to think and act holistically. Learn more Business interruption Natural events, hacker attacks or supplier failures - interruptions in regular operations can be traced back to many causes and affect every company. This is especially true in globally networked competition. Learn more Classic risks Material and loss of earnings risks The most difficult to calculate dangers include unforeseen damage to company buildings, production facilities, machines or inventory, for example from fire, storm, flood, burglary or theft. Property insurance is therefore part of the basic insurance protection for companies. Learn more Liability Risks The liability potential of companies varies depending on the industry, customer base or export activities. What all companies have in common, however, is the essential importance of liability insurance: Even small mistakes can cause serious damage. Learn more Accident Risks An accident can happen quickly - be it due to carelessness, force majeure or willful endangerment by third parties. In the event of accidents at work or on the way to work, statutory accident insurance applies. However, their insurance benefits are usually inadequate. Learn more Professional Risks Every company, regardless of industry and size, is confronted with a number of existential financial loss risks. Reliable protection against these risks must take into account both the specific needs of a company and the entire spectrum of the insurance market. Learn more Technical risks Viele Industriezweige sind vom Betrieb komplexer technischer Anlagen oder Maschinenparks abhängig. Dies birgt Risiken: Neben Sachschäden drohen auch daraus resultierende Betriebsunterbrechungsschäden, die gravierende Folgen haben können. Mehr erfahren Transport-Risiken Gütertransporte auf Straße und Schiene, in Form von Fracht- oder Luftschifffahrt sind seit jeher ein essenzieller Teil des weltweiten Wirtschaftsverkehrs. Im Zuge der Globalisierung werden die Wege länger, die Transportketten komplexer und die Risiken immer vielschichtiger. Mehr erfahren KFZ-Risiken Eine jederzeit einsatzbereite Fahrzeugflotte ist für viele Unternehmen ein entscheidender Erfolgsfaktor. Die Risiken, die mit der Anschaffung und dem Betrieb von Firmenfahrzeugen verbunden sind, variieren je nach Branche, Unternehmensstruktur und Flottengröße. Mehr erfahren Kredit-Risiken Der wirtschaftliche Erfolg vieler Unternehmen steht und fällt mit ihrem Handelsnetzwerk. Trotz der komplexer werdenden Lieferketten und Kundennetzwerke im Zuge der Globalisierung beliefern viele Handelshäuser und Produktionsunternehmen auch heute einen oder mehrere Hauptkunden. Mehr erfahren Die beste Empfehlung. Funk. 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