SICHER mit HELM
Independent business insurance advice for companies in Austria+43 7474 23456 · helm@sichermithelm.at
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Betriebsversicherungen

Business insurance that fits the real operation

Independent advice for liability, property, business interruption, cyber, legal expenses, transport and specialist risks.

Real client cases

Practice rather than product descriptions.

Our real cases show how market comparison, contract review, coordinated claims handling and expert knowledge work together.

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Adviceunderstand risks and wording
Negotiationoptimise premiums and clauses
Claims supportcoordinate parties and process

Results depend on the contract, risk and individual case.

Liability

Public and product liability, professional risks, activity damage and financial loss exposures.

Property & earnings

Buildings, contents, fire, storm, water damage, machinery and business interruption.

Cyber & legal

Cyber incidents, data loss, legal disputes and contractual protection.

Transport & management

Goods in transit, installation risks, D&O and other specialist covers.

Industries

Different activities require different policy wording.

Crafts, trade, hospitality, planning, IT and technical services create distinct liability and property exposures.

Crafts & technical trades

Work on third-party property, installation risks, tools, machinery and interruption.

Trade & hospitality

Customers, guests, stock, product liability, refrigeration and business interruption.

Planning, IT & services

Professional errors, data, cyber incidents, contractual liability and legal expenses.

Claims practice

Policy design should begin with the possible loss.

We review documentation, wording and interfaces between covers and remain involved from notification to settlement.

Analyse the risk

Activities, values, contracts and potential accumulation losses are recorded.

Compare wording

Exclusions, sublimits, deductibles and additional clauses are assessed.

Assist with claims

Evidence, communication and the insurer’s settlement are reviewed.

Specialist robotics risk

Robots require a combined insurance concept.

Machinery breakdown, electronics, own damage, liability, cyber and AI risks must be coordinated for the actual use.

Robot insurance portal
Austrian Supreme Court decisions

What judgments mean in practice.

Selected decisions in brief. The complete collection includes further cases and practical notes.

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OGH 7 Ob 406/97z

Work on third-party building components

For damage to parts being worked on directly, the relevant exclusion may be decisive.

Read the court overview →
OGH 7 Ob 263/75

Guests’ property in accommodation businesses

An accommodation business owes due care but does not automatically guarantee a particular result.

Read the court overview →
OGH 4 Ob 179/02f

Data backup before IT work

Before work on an IT system, data backup must be clarified and documented professionally.

Read the court overview →
Our team

Personal contacts from advice to claims settlement.

We know your contracts and remain involved when a claim requires work.

Meet the team
Herbert Helm MBA

Herbert Helm MBA

Insurance broker, financial services adviser and personal contact

Sylvia Laslo

Sylvia Laslo

Back office, policy administration and client service

Corinna Wartecker

Corinna Wartecker

Claims management and client support

Lara Gschöpf

Lara Gschöpf

Client service, organisation and digital communication

Gerhard Kofler

Gerhard Kofler

External expert for liability, property and accident insurance

Personal consultation

Let us review your situation before a loss occurs.

We combine independent market access, careful policy design and hands-on claims experience.

Herbert Helm MBA
Herbert Helm MBA
Insurance broker & financial services adviser
+43 7474 23456
helm@sichermithelm.at
Frequently asked questions

Clear answers before you decide.

The most important questions at a glance. The full FAQ contains further details.

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Which insurance does a business need?

This depends on the activity, size, location, assets, employees, contracts and potential consequences of a loss. Liability, property, business interruption, legal expenses, cyber, transit and technical covers are often relevant.

Is business liability insurance compulsory?

There is no general requirement for every business. Certain professions and activities may be subject to statutory, professional or contractual requirements.

What is damage to property being worked on?

It is damage to property that is directly worked on, used or held in custody. Standard policies may exclude it partly, so extensions must be reviewed carefully.

How are sums insured determined?

Buildings, contents, stock, machinery, liability exposure and possible major losses must be valued realistically.

Is cyber insurance useful for small businesses?

Small businesses can also suffer data loss, extortion, downtime and privacy incidents. The key issue is dependence on IT and data.

Directions to our office

Personal advice in Euratsfeld.

Our office is located at Saliterweg 8, 3324 Euratsfeld, Austria. The interactive Google map is only loaded after your explicit consent.

SICHER mit HELMSaliterweg 8 · 3324 Euratsfeld · Austria
Telephone+43 7474 23456
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Directions to the office in Euratsfeld

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