Property, plant and fleet
SME Package Insurance
One policy protecting offices, shops and workshops.
SME package insurance brings together the essential covers small and medium-sized businesses need in a single policy. From fire and theft to glass breakage and employer’s liability, it protects many risks at an affordable premium.
Who is it for?
- Offices, shops, restaurants
- Workshops and small production units
- Medical practices and clinics
What does it cover?
- Fire, earthquake, flood
- Theft
- Glass breakage
- Electronic equipment
- Employer’s liability
- Third-party liability
- Business interruption (depending on the package)
Scope and exclusions vary by insurer and programme. With every quote we summarise the policy wording in plain language.
What drives the price?
- Type of business
- Building, contents and stock values
- Location and security measures
Frequently asked questions
Why is employer’s liability important?
It covers recourse claims by social security (SGK) against the employer after a workplace accident, as well as compensation claims by the employee.