Business Haftpflicht
Compulsory in many trades — crafts, hospitality, IT. Protection against third-party claims up to 5 million €.
800+clients in Austria
15+insurers compared
4.9Google rating
4languages DE · UA · RU · EN
§28MaklerG best advice
GISAlicensed insurance broker
Whoever founds a company also founds a piece of dignity — their own.
In the diaspora, self-employment is often not a career step but an act of self-assertion. It is the answer to «you cannot work here» — and the answer runs: «yes I can. Here is my company.»
Anyone who has invested that much — in money, in courage, in sleepless nights — cannot afford to leave a single loss uninsured. Business Haftpflicht is a legal requirement in many trades, business interruption cover saves the business after a fire or a long shutdown, and contents cover protects machinery, stock and fittings.
Even the longest journey begins with the first step.
What you get with Wenexus.
Six promises we are happy to be measured against.
Contents and machinery
Tools, IT, furniture, stock — damage from fire, water and theft covered at new-for-old value.
Business interruption
After a fire or water damage we keep paying the rent, the wages and the lost profit. For up to 12 months.
Cyber module
Data breach, ransomware, phishing — IT specialists plus legal support plus compensation.
Rechtsschutz for SMEs
Employment, contract and tax law. Including personally for the shareholders of a GmbH.
Sector packages
Hospitality, IT, crafts, retail, services — pre-configured, but individually adjustable.
Three routes, three prices. One conversation.
We recommend the plan that fits your life — not the most expensive one.
Start
from38€/month
- Included: Business Haftpflicht 3 million €
- Included: Contents up to 50,000 €
- Included: Glass and shop windows
- Included: Key service
- Not included: Business interruption
- Not included: Cyber module
Pro
Recommendedfrom98€/month
- Included: Everything in Start
- Included: Business interruption for 6 months
- Included: Contents up to 200,000 €
- Included: Cyber module 50,000 €
- Included: Rechtsschutz Comfort
- Not included: Financial loss liability
Premium
from178€/month
- Included: Everything in Pro
- Included: Business interruption for 12 months
- Included: Financial loss liability
- Included: D&O cover for a GmbH
- Included: Operating internationally
- Included: Report a claim in DE/UA/RU
The exact premium depends on your age, your region, the insured object and your claims history. We will send you a PDF comparing the three best options — with no obligation to buy.
Four steps. In person. In your language.
Needs analysis
A 30-minute conversation — in German, Ukrainian or Russian. We understand your situation before we open a single plan.
Market comparison
We compare 15+ insurers on the scope of cover, the Selbstbehalt (deductible) and how they actually settle claims — not just on the premium.
Signing
You sign digitally or in our office. We take care of cancelling your old policy.
When you claim
We call the insurer. We translate. We represent you. That is best advice under §28 MaklerG.
Your plan. Within 24 hours. On a single page.
We compare 15+ insurers and send you a PDF — the three best options, honestly compared.
- A personal needs analysis — no bots
- A comparison of 15+ insurers
- A clear plan comparison on one page
- Advice in DE, UA, RU or EN
Voices from the diaspora.
„Water damage in the café — closed for 6 weeks. The business interruption cover carried everything: rent, staff, lost turnover. Without it we would have had to give up.“
„As an IT consultant I needed financial loss liability cover for a big contract. Wenexus delivered it in 3 days — and explained it in Russian.“
„A customer slipped in the wet entrance of my hair salon. The business Haftpflicht paid 9,400 € — and I did not close for a single day.“
Answers in a language you understand.
In many sectors, yes — it is a legal requirement for architects, tax advisors, doctors and some trades, for instance. But even where it is not compulsory: a single damages claim from one customer can threaten the whole business. From 25 €/month it is worth it.
It replaces lost profit, ongoing fixed costs (rent, staff, insurance) and, where applicable, additional expenses such as temporary premises or temporary staff during an insured event — typically fire, water or storm. The term runs 6–24 months depending on the plan.
Yes, though a lean professional liability policy, often 18–35 €/month, is usually enough. It protects you against financial loss you cause to clients — advisory errors, data loss, a wrong recommendation. Particularly important in IT, marketing and consulting.
Directors and officers insurance: protection for the managing director of a GmbH against personal liability for a breach of duty towards the company. Worth considering from the Pro plan for a GmbH, and standard from Premium.
In German, with translation support from us. In Premium plans there is often a multilingual claims service directly. We place you with insurers that suit this.
Pro plan: roughly 110–160 €/month including Haftpflicht, contents of 100,000 €, business interruption for 6 months, glass and key cover. We obtain 3 concrete offers for you.
You have started. We make sure you can keep going.
An hour with us — a sector profile, a risk map, three concrete packages. We speak the insurers' language.
Free consultation · No obligation