Insurance: If you don’t need it cost money, but in the case of a case they can save lots of money! Insurance much being discussed again and again. Some say the insurance wants to make money, others say the protection save one from financial ruin. Both are right. It depends on the right choice of insurance companies. An example: you can save probably insurance, in which extends the warranty period of a technical device, for example a dishwasher from 2 to 4 years. For one, a new machine will hold so four years, on the other hand is even in the worst case, namely that the dishwasher be repaired no longer can, a purchasing of a new dishwasher not much cost that it justifies a premium.
It looks different for example, if a water pipe bursts in your apartment. If the water only once, then it’s hard to stop, so that also the apartment below you affected can be pulled? Then very quickly high costs so there is a risk, at least a credit record. A home insurance so sensible. A motor vehicle liability insurance is so important that it is mandatory in Germany. Although not damage to your own car or on one’s own body to cover, but damage to other cars or other road users need to be secured mandatory power law.
That makes sense too, imagine, to cause an accident and the driver of the other car, gets hurt so much that he is confined to a wheelchair despite two operations for a lifetime. The cost of the surgery, pain and suffering and the damage to the other car can quickly go into the millions. Therefore, liability is so elemental important it is mandatory the car. The contents insurance belongs to the very reasonable insurance also the contents insurance for businesses. Entrepreneurs can protect their businesses as insurance, also to plunge into financial ruin. Because the contents insurance protects in particular the goods. We for example when the company collapsed and goods stolen or destroyed by vandalism, so the entrepreneurs can not sell the goods and will suffer financial losses. Also damage from fire and damage caused by water pipes, covered as well as damage with the contents insurance after strong storms. Only the protection against natural disasters, such as earthquakes or floods, are not included in the contents insurance regularly and must be completed separately. Also cash existing in the company is usually excluded from the insurance company, because this little evidence can be made. The expenses for such insurance worth your money; even if the amount of the insurance contribution payable may vary by factors, there like for example the value of goods and the site of the company depend. Depending on the size of the company, the contractor should also complete a loss-of-earnings insurance. Because if the damage from vandalism so It is high that the company for the cleanup must be kept closed or if the police forensics takes longer and the premises is still not freely given, the day’s receipts missing the entrepreneurs, although the ongoing costs, such as for example the rental expenses or the cost of the staff continue to fall on. Should the company have large window surfaces, you should obtain as a precaution also glass insurance.