€ 10,000,000 for bodily injury, property damage and resulting financial losses (2-fold per year maximized, environmental basic coverage 1-fold maximized, real financial losses are insured up to € 100,000)

No. 1/12 annual premium is always due per month. For example, if you sign up on 01.07., only 6/12 annual fee is due (in this case € 36,-).

Yes, by accepting the terms and conditions and willingly sending your application, a legally valid contract is concluded.

The contract concluded with ensure! can be terminated at the end of the first full insurance year. I.e. the contract must always run once from 01.01. to 31.12.. This in turn means that a contract concluded on 02.01. can only be terminated at the end of the following year.

Yes, up to €1,000,000.

If there are no queries, the policy comes immediately, or within 24 h by e-mail.

The deductible is € 2500

Cosmetic services are included in our health care professions, which are now also insurable. However, the ensure! Professional liability for medical professions costs € 117,- per year.

In that case, you simply take out the BHV for healing professions and note in the comment field of the application that you also offer yoga classes.

Absolutely! Prerequisite for a contract with us is an account in Germany. Maximum duration of stay abroad is 12 months.

Unfortunately, professional liability does not cover that.

Any justified damage to third parties. Personal injury, property damage and financial loss are covered up to € 10 million lump sum. Unjustified damages are defended by the insurer (passive legal protection).

Basically, every sport, except high-risk extreme sports, is insurable. An overview of the sports that we cannot insure can be found here.

Of course!

You sign a contract with us and then go to your old insurer with the new policy. In 80% of the cases, the old insurer cancels the policy, because commercial risk takes precedence over private risk and private liability is included with ours.

[Translate to Englisch:]

Ab Anfang Dezember werden die Bescheinigungen verschickt! Diese sind auch gleichzeitig als Versicherungsnachweis für Dein Studio gedacht.