Top commercial insurance providers: The best picks according to Vema!

Top commercial insurance providers: The best picks according to Vema!

In today's business world, commercial insurance is essential for self-employed people and companies. Business facilities in particular need solid protection, which is guaranteed by commercial contents and building insurance. The Vema insurance broker cooperative recently conducted a quality survey among its partner companies in order to determine the best providers in various commercial property lines. The results of the survey provide an insightful overview of the strengths of providers and the expectations of insurance brokers.

The survey asked brokers to name their preferred providers in contents insurance, buildings insurance, commercial multi-risk policies and industrial insurance. Criteria such as product quality, application processing, policy, experience in the event of a claim and the accessibility of the provider were evaluated.

Results of the survey

The results show clear broker preferences:

• Inhaltsversicherung:
  • Axa: 15% der Nennungen (Platz 1)
  • Alte Leipziger: 10% (Platz 2)
  • Allianz: 8,7% (Platz 3)
• Gebäudeversicherung:
  • Allianz: 12,5% (Platz 1)
  • Axa: 11,8% (Platz 2)
  • SV Sparkassen Versicherung: 9,7% (Platz 3, nutzt Vema-Deckungskonzept)
• Gewerbliche MultiRisk-Policen:
  • HDI: 16,3% (Platz 1)
  • Gothaer: 14,2% (Platz 2)
  • R+V: 9,1% (Platz 3)
• Industrieversicherung:
  • Allianz: 19,7% (Platz 1, deutlicher Abstand)
  • SV Sparkassen Versicherung: 8,3% (Platz 2)
  • HDI Global SE: 6,7% (Platz 3)

These providers are characterized by the use of Vema's own coverage concepts, which ensures additional security and trust in the policies. The area of ​​commercial multi-risk policies is particularly important for brokers and their customers.

Market development and challenges

The commercial composite market is proving attractive to brokers as it generates regular income from a solid portfolio of composites. This is particularly advantageous in exceptional situations, such as during the Corona crisis. Insurance brokers benefit from their expertise in complex matters. Although most commercial insurance contracts are managed by exclusive organizations, brokers have the opportunity to select suitable products from the market and successfully combine them.

Commercial multi-risk policies offer comprehensive risk coverage for various commercial lines, including commercial liability, contents and building insurance. These policies are easy to calculate, especially for simple customer cases, provided the quality of the products is right. In the most recent survey of Vema brokers, the providers HDI, Gothaer and Helvetia were recognized as the best providers of multi-risk policies The investment reported. The Vema brokers see these providers as valuable support in protecting their customers.

The results of the survey illustrate the importance of a targeted selection of providers and the need to provide customers with comprehensive and competent advice. Insurers that excel in product quality and customer service will remain the preferred partners of insurance brokers.