Avoid liability risks
Business activities entail high liability risks. The sources of danger are manifold and in severe cases, may pose existential threats to your company. This makes customised insurance coverage indispensable.
AT A GLANCE
Business liability insurance
Business liability insurance protects your company against unforeseeable and incalculable claims by third parties for personal injury and property damage arising from your business activities. It also applies in the event that your employees cause damage to third parties in the course of their work. As a company manager, you are subject to a variety of liability risks. In the case of damage for which you are at fault, you are liable in unlimited amount and with all your assets. In this case, business liability insurance from Pantaenius can serve to ensure your continued existence.
Environmental liability insurance
UNSURPASSED INSURANCE PROTECTION AGAINST DAMAGE FROM ENVIRONMENTAL IMPACT
Pantaenius' environmental liability insurance is a supplement to our business liability insurance. The scope of services includes personal injury, damage to property and financial losses caused by environmental influences. The insurance covers the statutory liability of the insured company, e.g. the plant operator, for damage caused to a third party from environmental influences to the soil, air and water. As a further coverage component, environmental damage insurance also protects you from damage you cause to the diversity of flora and fauna.
Product liability insurance
PROTECTION AGAINST DEFECTIVE PRODUCTS
You are always liable for damages resulting from errors caused by your product - even if it is not your fault. Product liability insurance is especially recommended for manufacturers of preliminary and intermediate products or other suppliers. Importers of goods from non-EU countries are also subject to this special liability. Protect yourself against claims for damages by those who have suffered personal injury, property damage or pecuniary loss due to your product's characteristics.
Property liability insurance
AT PANTAENIUS, GOOD ADVICE WON'T COST YOU
Property liability insurance is a professional liability insurance for companies and employees in the service sector, in particular for persons and institutions who are professionally engaged in safeguarding the financial interests of others and acting in an advisory or administrative capacity for others. With property liability insurance through Pantaenius, you can secure your own existence and protect yourself against the financial consequences of such mistakes.
From motor vehicles to food, recalls are almost everyday occurrences. In the event of imminent personal injury or property damage, your business may be confronted with considerable compensation claims. Due to its complexity, this coverage is not included in business or product liability insurance, but must be taken out separately.
D&O - Insurance
PROTECTION AGAINST MANAGEMENT ERRORS
The discussion surrounding manager liability and insurance coverage has grown in importance over recent years like almost no other. For a long time, company managers were regarded as almost inviolable.
If you make a management error as a managing director, board member or supervisory body, you will be liable without limit for any financial loss incurred - including with your total private assets. Regardless of whether you manage a mid-sized company or a non-profit organization, you are subject to an increased level of personal liability. The burden of proving that you have always acted carefully and conscientiously lies with you. To make matters worse, you are jointly and severally liable, i.e. you yourself can be held liable for mistakes made by your colleagues.
D&O insurance from Pantaenius protects you against the financial consequences of these risks. Insurance coverage takes effect if a claim is made against you for financial loss due to a breach of duty in the exercise of your activity, or if this is intended. We also offer specially developed solutions for management boards of stock corporations to secure their legally prescribed deductibles.