
Property Insurance
Protect your business
Protect your business
Tailored insurance coverage for your company
Your business is your economic foundation. But risks such as fire, burglary, or natural disasters can cause serious financial damage. With customized property insurance, you secure your company assets and protect yourself from potentially existential financial losses.
What types of property insurance are available?
- Commercial building insurance: Protects your business premises against fire, storm, or natural hazards.
- Contents insurance: Covers your technical and commercial equipment as well as stock and inventory – e.g. against burglary.
- Business interruption insurance (also known as loss of income insurance): Compensates for lost profits if your operations are halted due to property damage.
- Loss of rent insurance: Covers lost rental income if your property becomes unusable due to insured damage.
Your benefits with Breffka & Hehnke
With many years of experience, we develop tailored insurance solutions for all industries. Whether you're in services, trade, or manufacturing – we help you align your property insurance precisely with your business needs.
Why is comprehensive property insurance important?
An unexpected loss can quickly cause financial distress. A combined property insurance policy not only protects your business assets but also secures the future of your operations.
Let our experienced advisors provide you with a personal consultation and help you find the ideal insurance solution.
Building insurance is a vital component of property insurance and plays a crucial role in protecting corporate assets. It provides comprehensive protection for buildings against a wide range of risks, from natural disasters to human errors. Damages to a building can not only be costly to repair but can also disrupt business operations.
Therefore, building insurance is essential for safeguarding against such unforeseen events. It offers financial security and ensures that a business can quickly recover in the event of damage.

Effectively protect your business assets with our content insurance. It covers damages to business equipment, goods, and business contents that can arise from risks such as fire, water damage, or burglary. Our commercial property insurance provides comprehensive protection for your business and operational facilities, including goods and inventories. This includes everything from office furniture to tools and machinery, as well as your goods and raw materials.
Content insurance, therefore, not only offers protection against financial losses but is also an essential step in quickly restoring operational capability after an unforeseen event.

A sudden incident can bring your business operations to a halt for weeks or even months – whether due to fire, water damage, or a storm. While revenues stop, fixed costs such as wages, rent, and loan payments continue. Consequential loss insurance – also known as loss of profit insurance – provides financial security during this time and ensures your company remains stable.

For property owners and landlords, the unexpected loss of rental income, whether due to rent defaults, government orders, or other unforeseen events, can have significant financial implications. Without regular rental income, but with persistent costs such as maintenance, mortgage payments, and other obligations, financial stability can quickly falter.
Loss of rent insurance is therefore essential to protect against such risks. It not only provides financial security in times of crisis but also helps maintain the long-term financial health of the property investment.
Loss of rent insurance typically covers the loss of rental income and ongoing expenses incurred during the period of rent default. This can be crucial, especially for landlords who rely on regular income from their properties. Moreover, it can also cover costs for necessary repairs and measures to restore the property's rentability, which accelerates the resumption of rental income and minimizes the risk of future income losses.



FAQs on Commercial Property Insurance
Property insurance protects your business from financial losses caused by damage to buildings, equipment, and inventory. Covered risks typically include fire, burglary, water damage from burst pipes, storm, hail, natural hazards, and glass breakage.
- Commercial real estate: Office buildings, warehouses, and production facilities
- Business inventory: Furniture, equipment, and stock
- Technical equipment: IT systems and machinery
- Business income: Loss of earnings or rental income
- Additional costs: Cleanup, demolition, or security measures after a loss
- Commercial building insurance: Covers damage to business premises
- Contents insurance: Protects equipment, stock, and inventory
- Business interruption insurance: Compensates for income loss following property damage
- Loss of rent insurance: Covers rental losses due to unusable property after a claim
A single policy often doesn't cover all risks. A combination of building, contents, and business interruption insurance offers comprehensive protection to keep your business financially secure.
Whether you're a small business or a large enterprise, property insurance is essential. It's particularly important for companies with valuable equipment, large inventories, or technical systems to protect against unforeseen events.
New investments or rising prices can increase your business's value. Regularly reviewing your insured sum ensures that your coverage stays up to date and provides the protection you need.