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The premium varies from €250 to €3,000 per year, depending on reconstruction value, location, type of store, stock value and security measures. Stores selling valuable goods (jewelry, electronics) pay higher premiums.

Glass breakage in shop windows, shop fronts and glass doors is not covered by home insurance as standard. You need additional glass insurance. This covers breakage due to almost all causes, including vandalism and ram raids.

Insurers often require: approved hinges and locks (SKG**), burglar alarm with control room, roller shutters or security glass for valuable stock, camera surveillance for increased risk. Good security can lower the premium.

Yes, damage to the building due to ram raids is covered by the buildings insurance. Damage to stock and inventory is covered by inventory and goods insurance. The glass insurance reimburses the display window. Tip: install anti-ram raid posts.

The building insurance covers the building itself and everything that is attached to it. The inventory insurance covers individual items such as shop furnishings, cash registers, computers and equipment. The goods insurance covers your stock. Often you need all three.

As a tenant, you are responsible for any improvements you have made (storefront, floor, ceiling). You insure this through a tenant interest insurance. The landlord insures the property himself. Check your rental contract for the distribution.

With many insurers you can be insured the same day with provisional coverage. After acceptance you will receive the final policy. We ensure that your request is processed quickly.

Highly recommended! In the event of fire or burglary damage, you may have to close temporarily while fixed loads continue. Business interruption insurance reimburses your lost turnover and gross profit during the recovery period.