Welcome to Allianz Commercial - your insurance partner for companies in Germany.
Allianz Commercial in Germany
Allianz stands for reliability and expertise in providing comprehensive commercial insurance solutions in Germany. As your insurer of choice in Germany, we use our global experience and local expertise to effectively manage your business risks. We are experts in complex risk scenarios and offer customised solutions according to individual needs. As one of the world's leading companies in the insurance industry, our offering includes coverage concepts for medium-sized companies, large corporations and special risks as well as proactive risk management services.
As part of Allianz, a leading global insurance brand, Allianz Commercial has the people, global presence, financial stability and capabilities to support organisations with best-in-class solutions. Find out more about what we offer and contact us to discuss your specific insurance needs. We are committed to providing you with the best possible protection for your business.
Our insurance solutions
The following overview shows solutions for the MidCorp (corporate customers < € 500 million turnover) and LargeCorp (corporate customers > € 500 million turnover) sectors. This overview is for reference only. It does not contain details of the conditions, limitations or exclusions of the insurance cover.
Please refer to the policy wording for further details.
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Alternative Risk Transfer
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Aviation
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Cyber
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Entertainment
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Financial Lines
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Liability
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Marine Cargo
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Marine Hull
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Natural Resources & Construction
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Property
Alternative Risk Transfer
We develop customized insurance, reinsurance and other non-traditional risk management solutions for a broad range of corporate and financial clients worldwide.
Airlines
Since the early days of aviation, we have been providing aviation insurance for all types of operators, from cargo and low-cost carriers to large fleets and business aircrafts.
General Aviation
We insure all types of general aviation risks, from individual aircrafts for private use to large commercial fleets and business aircrafts.
Aerospace
We provide tailor-made aerospace insurance for a wide range of clients, from aerospace giants to small OEM suppliers and refueling companies. We cover all types of damages and liability.
Cyber
Our cyber insurance offers protection against attacks caused by internal and/or external perpetrators. It also provides access to our network of cyber experts, including IT forensic experts and data protection lawyers as well as crisis and PR consultants.
Production
Whether you need entertainment insurance for a film, TV show, whether for theatrical release or for streaming, we cover all elements required to bring the project to life.
Live Events & Sports
We provide coverage for tours and live events of all sizes, including solo shows, motor sports, week-long festivals and national and international tours.
Directors & Officers (D&O)
If managing directors and board members - so-called directors and officers - breach their duties and damage occurs, they are personally liable with their private assets. This is where our directors' and officers' liability insurance steps in. It protects the private assets of board members. And legal assistance is also guaranteed if required.
Professional Indemnity
For lawyers, tax consultants, notaries, auditors via VSW*, insolvency administrators, insurance and financial investment brokers, management consultants, experts, real estate and other service providers, media professions.
Financial Loss Liability
For associations, public corporations and non-profit organizations.
Financial Institutions
We offer financial institutions a wide range of products, either with independent cover or as part of mixed forms.
Liability
We offer a range of general and special liability insurance products that cover personal injury, property damage and pure financial losses.
Professional Indemnity
We offer comprehensive and individual insurance cover tailored to the risk profile of your professional group (e.g. architects, engineers, ...).
Marine Cargo
We offer comprehensive insurance cover for the entire value chain in connection with the transportation of goods of all kinds, including storage in connection with transportation. Through our worldwide Allianz network, one of our strengths is the implementation and support of international insurance programs, adapted to the needs of our customers and taking into account local legislation.
We offer the right solution for worldwide transportation of goods, regardless of whether they are transported by land, sea or air. Our risk consultants are on hand with help and advice, for example for project business and special transports.
The comprehensive protection concept protects you against financial losses due to loss of or damage to the goods during transportation. We also offer customized cover concepts to protect you as a carrier, freight forwarder, warehouse keeper or logistics provider against liability under transport contracts in accordance with the law, on the basis of general terms and conditions or individual contracts.In addition, we offer insurance products specially tailored to the areas of exhibition, luggage, jewelry and valuables insurance.
Marine Hull and Liability
We offer a comprehensive insurance concept for the maritime and inland shipping sector, including shipping specializing in coastal shipping. This includes large commercial container ships and cruise ships, but also smaller units and special ships.This includes all facilities and superstructures associated with the ship as well as the technical accessories and associated equipment, the engine and third-party damage.
We also provide cover concepts in the area of construction risk for maritime and inland shipyards.
Furthermore, a broad spectrum of cover options is available for pleasure craft and yachts, guaranteeing all-round insurance protection.
Natural Resources & Construction
We offer customized solutions for the protectiontechnical facilities - both during construction and operation. We are your insurance partner for building construction and civil engineering projects. We can not only insure national risks, but also support you worldwide with individual projects or in the form of international insurance programs
Erection All Risk (EAR) and power generation plants
We protect against the financial risks associated with the construction and operation of plants in a wide range of technical sectors. This also includes solutions for complex systems, especially in the field of renewable energies, for energy storage systems and corresponding peripherals as well as loss of earnings due to unforeseen damage to these systems or facilities.
Machinery and electronics
- As automation increases, so does the need for individual insurance solutions. We insure against unforeseen damage or destruction of machines, electronic devices or electrotechnical systems, e.g. due to operating errors, clumsiness or intent on the part of third parties.We also offer insurance cover against financial losses resulting from business interruption.
Contractors All Risk (CAR)
Our CAR insurance protects you against financial losses due to unforeseen damage (e.g. vandalism, storm, hail, flooding) to building or civil engineering projects. Whether in the transportation sector, in real estate projects in your own interest or in the interest of third parties, or in the construction or expansion of your company site. If such damage leads to delays in the project, we also offer solutions for these financial losses.
Property and Business Interruption
As one of the the leading property insurer in Germany, we specialize in risk consulting and insurance for companies from a wide range of industry sectors. Our clients include large stock-listed corporations as well as medium-sized companies from the manufacturing and service sectors. International program solutions and worldwide cover concepts complement our local core business.
We insure against traditional fire, theft and water damage as well as against damage caused by natural hazards. Due to climate change, we see the latter as being subject to an increasing loss trend and therefore a greater focus for our clients.
Discover our services
Our risk appetite
Allianz Commercial considers each risk individually. The capacity and scope of cover offered depend on the assessment of the individual customer. In particular, aspects such as risk quality, various exposures and the type and scope of insurance cover are taken into account.
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Alternative Risk Transfer
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Aviation
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Construction
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Cyber
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Entertainment
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Financial Lines
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Liability
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Marine Cargo
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Marine Hull
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Natural Resources
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Property
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Terrorism & Political Violence
Focus
Businesses > 500 Mio € Turnover (but not restricted to)
Structured Solutions
Structured multi-year covers with bonus-malus mechanisms to close insurance gaps
- Due to the unavailability of traditional cover in difficult lines (e.g. Property and BI in wood processing, waste management, etc.)
- In lines with very dynamic pricing development (e.g. in Cyber, Property, partly Liability, etc.)
Captive Solutions
- Worldwide fronting as an independent, non-risk-transfer-related service
- Annual excess of loss and other non-proportional reinsurance covers as efficient solvency protection, both on a risk financing and risk transfer basis
Virtual Captive Solutions
Tailor-made risk financing instrument in the form of an insurance contract according to the going concern principle:
Similar advantages as a real captive, but without the disadvantages associated with the establishment/handling of such a captive (financial and solvency reporting, supervision, compliance, ...)
Parametric Insurance Solutions
- Index-based insurance solution, where the insurance claim is triggered by a predefined event, regardless of the actual loss incurred by the customer. This provides a solution that can close gaps in traditional coverage and ensure quick payouts in the event of a claim.
- Available within multi-year structured coverage, but also on an annual basis, depending on risk and hazard. No appetite for NatCat coverage, which can also be traditionally placed.
Restricted
- Reinsurance solutions for professional (re)insurance companies (with the exception of captives!)
- Financial market and financial market-like risks such as credit risks, mortgage risks, price fluctuation risks, etc.
Focus
Airlines
- National and international airlines
- Low-cost, start-up and cargo airlines
- Loss of license insurance via the employer
General Aviation
- Commercial fleets incl. own-account traffic
- Business jets and helicopters
- Private and business aircrafts
Aerospace (incl. Airports)
- Comprehensive risk appetite to grow across the entire portfolio
Restricted
- Airlines: Subsidiary liability cover; hull deductible insurance; stand-alone hull war cover, stand-alone liability war excess cover
- General aviation: drones/UAVs, gyrocopters, stand-alone hull war cover
- Aerospace: SME contracts below minimum premium (currently € 10,000), stand-alone liability war excess cover
Focus
- CAR/EAR – Course of Construction
- National and international project and annual policies / general contracts (for contractors, owners / clients), in particular in the following areas:
- Construction and infrastructure projects
- Green hydrogen
- Production plants for car manufacturers / electric vehicles
- General manufacturing plants (all industries)
- Chemical plants / pharmaceuticals
- Food industry
- Semiconductor and chip industry
- Power and energy supply (with the exception of coal-fired power plants)
Restricted
- High natural catastrophe exposures (individual risks and in the accumulation of turnover contracts)
- Prototypical plants
- Risks in connection with coal
- High DSU/ ALoP exposures
- Political risks
Focus
- Solution for LargeCorp
- Primary contracts and excess layers
- Selective risk appetite in various industries depending on individual risk quality
- Solution for SME
- Simplified application process for companies with a turnover of up to 10 million €
- Coverage of costs in case of breaches of the data protection law
- Optional coverage for fraud by cybercriminals
Restricted
- Cryptocurrencies
- Payment service providers
- Air traffic control
- Energy sector
- Adult entertainment
- Online gambling
- Government agencies
- Social media communities
- Central banks
SME
- Military/Federal Agencies
- Medical Technology
- Online Trading Platforms
- Political Parties/Foundations
- Streaming/Video Games
- Transportation - Shipping/Rail/Aviation and Electric Charging Infrastructure
- Publishers
Focus
- Global cinema and TV productions / programs
- Global advertising film productions
- Event liability (events & sport)
- Sports associations
- Trade fair organizers (event cancellation and liability)
Film productions
- Cinema productions
- TV films, streaming, series
- Advertising film productions
- Animated films & documentaries
- Post-production
- Equipment rental
Live events and sporting events
- Live events, e.g. tours, festivals, concerts
- Corporate events, trade fairs & exhibitions
- Sports events
- Motor sport events
Restricted
- Contagious diseases
- Cyber
Focus
- D&O insurance
- Criminal Defense Cost insurance (Germany only)
- Public Offering of Securities Insurance (POSI)
- Financial loss liability insurance for financial service providers (E&O / FIPI / IMI)
- Professional indemnity insurance (PI) for lawyers, tax consultants, notaries, auditors via VSW*, insolvency administrators, insurance and financial investment brokers, management consultants, experts, real estate and other service providers, media professions
- Financial loss liability insurance for associations, public corporations and NPOs*
Restricted
- Companies with a business model based predominantly on coal, oil & gas or mining
- US stock exchange listings
- SPACs
- Crypto exchanges, administrators, traders and digital assets
- Stock Exchange traders
- Commodity traders
- REITs
Focus
- Companies > € 500 million T/O:
- Complex risks that require risk consulting support and complex claims handling capacities
- Construction industry incl. project business
- Manufacturing industry, including automotive and high-tech sector
- Mechancial engineering industry
- Pharmaceuticals and medical products incl. clinical studies for the development of corresponding products Telecommunications (products and services)
- Chemical industry
Companies < € 500 million T/O:
- Manufacturing industry: iron, steel and metal production, electrics/ electronics, food/beverages, precision mechanics/optics, printing and reproduction industry
- Machincal engineering industry
- (Wholesale) trading companies
- Service sector
- Electricity and water supply
- IT service providers
Restricted
- Waste / Recycling
- FirearmsHelmets / child seats
- Amusement parks with rides / gambling
- Healthcare providers, e.g. hospitals
- Cannabis/tobacco/e-cigarettes (production and distribution)
- Pure IT service providers > € 500 million turnover
- Exposed recall cost risks
- Exposed construction projects < €300 million construction sum
Focus
- From small traders or craftsmen to medium-sized companies to large-scale industry:
- Manufacturing & processing companies, importers, exporters and traders from all conceivable sectors, e.g.
- Automotive suppliers, clothing, footwear, defense & aerospace, electronic goods, general cargo, containerized goods, machinery
- Building materials, timber, commodities, fresh/frozen/chilled goods, goods at risk of theft, pharmaceuticals/chemicals, project goods
- Exhibitions/trade fairs
- Logisticians, freight forwarders, carriers, warehouse keepers
- Jewellers, other jewelry valor customers
- Showmen
- Finisher, own-account traffic
No appetite
- Live animal transports
Focus
- Marine hull
- - Chemical and product tankers / oil tankers
- - LNG / LPG / LNP tankers
- - Offshore supply / support vessels
- - Bulker
- - Container ships
- - Cargo ships
- River hull including coasters
- Water sports and yachts
- Construction risk (focus on new construction programs)
Restricted
- Shipyard liability (possibly in the program together with new construction framework contract)
- Fishing (coastal and inland)
No appetite
- Fishing (deep sea)
- Live animal transport vessels
Focus
- Wind energy (on- and offshore)
- Solar energy
- Battery storage
- Conventional power plants (operational coverage)
Products
- Machinery insurance
- Electronics insurance
- All-risk covers
- CAR/EAR – Course of Construction
- Business interruption insurance
Restricted
- Risks in connection with coal
- High Nat Cat exposures (individual risks and in the accumulation of turnover contracts)
Focus
- Companies with a total sum insured of € 10 million or more
- Service-oriented economic sectors, esp:
- Financial, administrative and other service providers
- Real estateHospitality & leisure industry
- Trading companies
- Airports, transportation and logistics companies
- Healthcare
- Manufacturing and processing industry, esp:
- Technology, media and telecommunications
- Metal production, machining and processing
- Lifesciences and cosmetics
- Beverage production
Restricted
- Waste disposal / Recycling
- Pulp and paper production
- Forestry and forest management
- Livestock breeding / animal husbandry
- Coal processing companies
- Meat processing
- Chemicals
- Glass manufacturing
Focus
- Global companies > € 500 million turnover:
- Commercial real estate
- Financial institutionsManufacturing industry
- Pharmaceuticals / Chemicals
- Telecommunications / Media / IT
- Priority for our associated Property / Natural Resources & Construction clients.
Restricted
- Airports and aerospace
- Rail operators / public transport
- Security companies
- Nuclear power plants
- Religious buildings / places of worship
- Government, military and police buildings
- Embassies and consulates
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Our head office
Munich
Dieselstraße 6-11
85774 Unterföhring
Germany
Germany
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Allianz Commercial is part of one of the world's strongest financial services groups and the world’s #1 insurance brand. When you partner with us, you partner with Allianz Group — and its sister companies.
