We’re glad you found your way to us. As your partner for insurance, financing, and investments, we provide reliable support in every situation. Whether it’s insurance cover, building wealth, real estate financing, or an individual plan for future financial security – we offer personalised, comprehensive, and easy-to-understand advice on all matters. We don’t just arrange contracts; we’re your partner in risk management and help you find the best solutions.
On our website, you’ll find detailed information on our services, various insurance options, and key financial topics. You can use it as a tool for doing some research on your own before scheduling a call or a personal meeting with us.
We look forward to supporting you in your decisions and helping you find the best possible options and solutions.
Think of an insurance contract as an iceberg. What you can see is only the tip: the attractive headlines. The details that really matter lie below the surface, in the policy conditions and the small print. We help you secure the best possible conditions, and we draw on special agreements with insurance companies that add a great many improvements to your cover.
When you are young, you rarely think that something could suddenly happen. You assume you will stay healthy, keep working and carry on as usual. But what happens when an accident, a serious illness or a death changes your life? Cover becomes particularly important when you have financial commitments such as a loan, a family, children or fixed monthly costs. When in doubt: it is better to be insured for a smaller sum than to have no protection at all.
Personal Accident Insurance
Nobody knows whether or when an accident will happen. What counts is not only whether it happens, but how serious the consequences are. Personal accident insurance pays out when an accident leaves you with permanent physical impairment. It can help you cushion the cost of necessary alterations to your home, therapies, loss of income or other expenses after a serious accident.
What happens if illness, an accident or a stroke of fate stops you working in your own profession for a longer period? Occupational disability insurance protects your most valuable economic asset: your ability to work. Once your monthly income stops, loan instalments, rent, family and living costs can quickly become a financial burden. Anyone who would insure a goose that lays golden eggs should also insure their own earning power, because you are that goose.
What happens to your family if your income suddenly stops? Term life insurance protects your dependants financially in the event of your death. It makes sure that outstanding loans can be repaid, that the family home can be kept and that there is enough money for living costs and for bringing up your children. The right sum insured is decisive. It should not only cover outstanding loans, but also your current standard of living and any loss of income.
Critical illness insurance pays an agreed lump sum when you are diagnosed with a particularly serious illness. Depending on the tariff, this can include cancer, a heart attack, a stroke or other serious conditions. The advantage is that you can use the payout freely: for therapies, to make up for lost income, for alterations to your home, for private medical support or simply to take financial pressure off your family.
When you need nursing care, the running costs are often high. Nursing care insurance provides financial support, depending on the benefit you agree and usually also on your level of care. It can help you pay for care at home, mobile services, day-to-day support or a place in a nursing home, and it takes financial pressure off your relatives.
Burial insurance gives your surviving dependants financial support for funeral costs and other expenses that arise after a death. It can make sense when there is not enough cash available. In terms of price, however, this type of cover is often expensive in relation to what it pays out, so it should not automatically be your first priority.
Private pension planning covers the solutions you use to build a second income in retirement on top of your state pension. The important part is not to rely on traditional insurance solutions alone. In times of inflation in particular, there is a risk that guaranteed or conservative returns will not keep pace with the real rise in prices. A broad, diversified approach with several types of investment is therefore often the better choice.
When you are young, you often think you hardly ever go to the doctor. What people tend to forget is that private health insurance matters most in the second half of your life. The earlier you start, the lower your premium usually is, and you secure access to cover for the future. Low-cost option tariffs are particularly worth a look: you start small and can later move up to a more comprehensive tariff under certain conditions, often without a new health assessment and often with your existing insurance years taken into account.
Inpatient Treatments, Special Class
Inpatient cover gives you additional services in hospital. Depending on the tariff, this includes treatment by specialists, your choice of doctor and a faster date for an operation in a private hospital. Without private inpatient cover you may have to wait longer, and as a rule you have no right to choose the doctor who treats you in hospital.
Outpatient Treatments, Elective and Private Doctor
Outpatient tariffs are worth considering if you regularly want private medical advice, specialists, elective doctors or alternative treatments. In the second half of your life in particular, having your specialist fees, preventive check-ups and health services paid for can be very valuable. The great advantage is that you can use medical advice independently of the state health system.
Many elective doctor tariffs cover dental costs only to a limited extent, or not at all. You can therefore add dental insurance to your policy or take it out as a separate contract. Depending on the tariff, it covers dental treatment, dentures, implants and orthodontic work. For children in particular, check the exact rules on braces and on the medical conditions that have to be met.
With a sickness or hospital daily benefit, you receive an agreed amount for every day you are ill. This cover matters most when illness or a stay in hospital costs you money. If you are not facing a direct loss of income, special class inpatient cover or an elective doctor tariff is often the more important priority.
Travel insurance protects you against the financial risks of holidays, business trips and stays abroad. Annual policies that cover every trip within a year are common, and they are often better value than insuring each trip separately, especially if you travel several times a year.
Health Insurance Abroad
International health insurance covers your medical costs while you are travelling abroad. Outside Austria in particular, the cost of a doctor, a hospital or repatriation can be very high. Many annual tariffs cover you worldwide for any number of trips, but usually only up to a certain length per trip, for example four to eight weeks. Longer stays generally count as living abroad and need their own tariff.
Travel cancellation insurance covers you when you cannot start a trip for an insured reason. Travel interruption insurance pays out when you have to end a trip early. Taking it out in good time is essential: as a rule you have to buy the cover within a few days of booking, or by a set date before you travel. If you travel regularly, an annual policy can be worthwhile.
Luggage insurance covers you if your luggage is lost, stolen or damaged. It is worth considering above all when you travel with valuable luggage. In many cases delayed suitcases turn up again after one or two working days. Even so, always carry valuables, medication and what you need for the first few days in your hand luggage.
This line of insurance covers damage caused by using a vehicle as well as damage to your own vehicle. It includes liability, comprehensive insurance, assistance services and specific solutions for bicycles, e-bikes and other vehicles.
Motor Vehicle Liability Insurance
Motor vehicle liability insurance is required by law. It protects you against civil claims for damages when using your vehicle injures another person or damages someone else's property. It pays justified claims and defends you against unjustified ones.
Comprehensive insurance protects your own vehicle. Depending on the version you choose, it pays for damage caused by an accident, theft, fire, storm, hail, wild animals, vandalism or other events. It matters most when losing your vehicle or writing it off would hurt you financially. For leased or financed vehicles it is usually strongly recommended.
Assistance services help you with breakdowns, accidents and other mobility problems. They can include towing, roadside assistance, a replacement vehicle, your journey home or hotel costs. One point is important: in the event of a claim you normally have to call the insurer's assistance hotline first. The job is then usually passed on to a contracted partner.
Passenger accident insurance provides additional accident cover for the people in your vehicle. Because claims for damages after an accident you cause are generally settled through your motor vehicle liability insurance, the benefit of this type of cover is often limited. If you want comprehensive protection against the consequences of an accident, a private accident policy or a family accident policy usually covers you more widely.
This line of insurance protects your private property, your personal liability risks and your legal interests. It covers your home and its contents, your own house, liability, legal expenses, bicycles, solar panels, valuables and pets.
Private Liability Insurance
Private liability insurance protects you when you cause damage to another person and are legally liable for it. It pays justified claims for damages and defends you against unjustified ones. For individuals and families it is one of the most important basic policies.
Private legal expenses insurance helps you with legal disputes. Depending on the tariff it can include cover for private life, work, vehicles, contracts, claims for damages and property. It pays for solicitors, courts, experts and proceedings when you have an insured legal case. Choose the modules carefully and check the waiting periods.
Buildings Insurance and Home Insurance for Your Own House
Buildings insurance protects the building itself: the house, the roof, the walls, everything permanently attached to the building and, depending on your contract, further installations. Combined with home contents insurance, it covers both the building and everything in it. Typical risks are fire, leaking pipes, storm, hail, burglary and natural hazards.
Home contents insurance protects everything inside your home: furniture, clothing, electrical appliances, personal belongings and other movable items. It usually includes private liability insurance as well. The right sum insured and suitable additional cover are essential so that you are not underinsured when you make a claim.
Many home contents policies cover bicycles and e-bikes against theft, but often only up to a certain sub-limit, and that limit varies widely from contract to contract. In recent years some insurers have restricted the cover or now pay only the current value. Specialist bicycle policies can cover you worldwide and insure older bicycles and e-bikes at their replacement value.
You can insure photovoltaic systems either through your buildings insurance or through a specialist photovoltaic policy. The cover can include damage caused by storm, hail, fire, lightning, overvoltage, theft or technical failure. Another important question is whether loss of income from the system is insured as well.
Art, antiques, collections and special valuables often need their own cover, because home contents policies insure them only up to a limit, or not adequately at all. What matters is a correct valuation, documentation, photographs, invoices and, where appropriate, an expert report. Only then can you prove the real value when you make a claim.
Animals can create financial risks too. Depending on the animal and the situation, liability or health insurance can make sense. With dogs, horses or expensive veterinary treatment in particular, it is worth checking which cover you need.
Animal Liability Insurance
Animal liability insurance protects you when your animal causes damage and you are liable for it as the owner. With dogs or horses in particular, a single claim can be very expensive. Depending on the contract, it covers injury to people, damage to property and the financial loss that follows from them.
Depending on the tariff, pet health insurance pays for veterinary fees, operations, medication and diagnostics. You can often choose between cover for operations only and more comprehensive tariffs that include everyday veterinary costs. Pay attention to the excess, the maximum benefits, the waiting periods and the exclusions.
This line of insurance deals with risks that arise directly from your professional work. Depending on your profession, a mistake, a piece of advice, a decision or your professional responsibility can lead to financial claims.
Professional Liability Insurance
Professional liability insurance protects you against claims for damages arising from your professional work. It matters most for the liberal professions, for advisers, for health professionals, for technical professions and for any role with particular responsibility. Depending on your profession it is either voluntary or required by law.
Professional indemnity insurance covers purely financial loss that arises without any injury to people or damage to property. It matters most for advisers, intermediaries, trustees, service providers and anyone who looks after other people's financial interests. Without it, a mistake in your advice, a missed deadline or a wrong recommendation can have serious financial consequences.
Legal expenses insurance for your profession supports you in legal disputes connected with your work. For employees it is relevant in employment law conflicts. For the self-employed and for entrepreneurs, commercial legal expenses insurance is usually the better solution.
This cover is particularly relevant if you work in the public service or hold a position with specific responsibility. It protects you against claims when your professional work causes damage and your employer or a third party asks you to pay for it.
Companies face a wide range of risks. When something goes wrong, it is not only about civil claims for damages. Criminal law risks can arise as well, for example when people are injured, when the authorities open proceedings or when someone alleges a breach of duty. Commercial insurance protects the business, the entrepreneurs, the company's officers, the employees, the buildings, the goods, the machinery, the data, the earnings and the legal interests.
Business Liability Insurance
Business and professional liability insurance is one of the most important basic policies for entrepreneurs. It protects you against claims for damages that can arise from your business activity, your employees, your products or your services. It pays justified claims and defends you against unjustified ones.
D&O insurance protects managing directors, board members, officers of associations and senior staff against personal liability for wrong decisions. It matters most for legal entities, associations and companies whose officers carry formal responsibility. The cover can include defence costs, claims for damages and the cost of examining a claim.
Commercial legal expenses insurance supports your company in legal disputes. Depending on the tariff it can include cover for damages, contracts, employment, social insurance, criminal law, administrative law and tax law. It matters most when you need to enforce a claim or defend yourself against a criminal allegation.
Commercial buildings insurance protects buildings used for business purposes and their essential components. The cover can include damage caused by fire, leaking pipes, storm, hail, natural hazards and further risks. Serious damage to a building does not only cost a great deal of money, it can also threaten the survival of the business.
Contents insurance protects your technical and commercial business equipment as well as goods, stock and other movable items belonging to the company. It pays the cost of repair or replacement after an insured loss. Depending on the contract, this includes fire, leaking pipes, storm, burglary and natural hazards.
Technical insurance protects your technical devices, installations and machinery. It pays out when they are damaged, destroyed or stolen. Machinery breakdown insurance is particularly relevant for manufacturers and for companies that rely heavily on machinery. It covers technical risks such as faulty materials, design faults, operating errors and accidents in the works.
Cyber attacks, hacking, data loss and IT failures are now among the central risks a company faces. Cyber insurance can cover the financial consequences of an attack, business interruption, data misuse, crisis management and the cost of putting your systems back in place. It matters most for companies that process sensitive data or depend heavily on their IT systems.
Business interruption insurance replaces your lost contribution margin and your ongoing fixed costs when an insured loss interrupts your business. Typical causes are fire, leaking pipes, storm, natural hazards and other insured damage to property. A sufficiently long indemnity period is decisive, because rebuilding, replacing equipment and getting back to normal operations usually take longer than expected.
Additional Expenses Business Interruption Insurance
This cover pays the extra costs you need to avoid or reduce the effects of a business interruption. They can include temporary premises, hired machinery, moving production elsewhere, additional staff costs or accelerated repairs.
Machinery business interruption insurance covers the financial consequences when an insured machine fails because of physical damage. It matters most when individual machines are indispensable for your production or your day-to-day operations. What is insured is the loss caused by the interruption itself.
Business Interruption Cover for the Self-Employed (BUFT)
This cover protects the income of the person running the business when illness, an accident or quarantine leaves them completely unable to work. It matters most for the self-employed, for the liberal professions and for smaller companies whose success depends heavily on one key person.
Transport insurance protects goods while they are being carried by road, by water or by air. It covers loss of and damage to your goods during transport, and often during storage in transit as well. It matters most when you send, import or export goods regularly.
Carrier's liability insurance is relevant for companies that transport other people's goods commercially. The carrier is liable for loss of or damage to the goods while they are being carried. The insurance pays justified claims for damages and defends you against unjustified ones.
Erection all risks insurance protects the object being installed during the construction and installation phase. Cover usually starts when the site is set up and ends when the client accepts the work. It covers sudden and unforeseen damage to the object being installed.
Builder's risk insurance, also called contractors' all risks insurance, protects clients and construction companies against unforeseen damage during the building period. This includes damage caused by natural events such as storm or flooding, but also vandalism, faulty materials, negligence and other sudden losses. The policy is usually limited to the building period.
Public liability insurance for builders protects the client against claims for damages connected with a building project. It covers injury to people, damage to property and the financial loss that follows from them towards third parties. As soon as a building project starts, this cover can be very important.
Event liability insurance protects organisers against claims for damages connected with an event. It pays justified claims for injury to people and damage to property, and it also defends you against unjustified claims. It is important for company events, public events, events run by associations and commercial events.
Commercial motor insurance protects vehicles and fleets used for business purposes. Depending on the contract it can include liability, partial and fully comprehensive cover, passenger accident cover, legal expenses and assistance services. For a company, the important point is that a vehicle off the road should not hold up the business more than necessary.
Business travel insurance protects your employees and your company on work trips. It can cover medical costs abroad, repatriation, trip interruption, luggage, assistance services and other risks around business travel. If your people travel abroad regularly, an annual solution is often the sensible choice.
Group health insurance gives your employees better medical care when they are ill or have an accident. It can be an important part of staff retention and makes you more attractive as an employer. Depending on the model, it covers inpatient treatment, outpatient treatment or dental work.
Group accident insurance tops up the statutory accident cover for your employees. It can protect them at work and in their free time and pay benefits in the event of disability, accidental death or a stay in hospital. As a staff benefit it is easy to understand and easy to communicate.
Trade credit insurance protects your company against customers who do not pay. It matters most when outstanding invoices make up a large part of your liquidity. If a customer defaults, trade credit insurance helps you reduce the financial loss.
Surety and guarantee insurance can replace bank guarantees and other security in many cases. It protects your liquidity and your credit lines, because you tie up less of your bank facility, or none at all. It is often used for construction projects, supply contracts and contractual security.
A company pension scheme covers the various models with which entrepreneurs can provide additional cover for employees, senior staff and company officers. They include employee benefit schemes, direct pension commitments, pension funds (dt. Pensionskasse), occupational group insurance and solutions for severance pay. Alongside the pension effect, they can bring tax and staff policy advantages.
A tax-free employee benefit scheme (dt. Zukunftssicherung) lets employers protect their staff against illness, invalidity and death. It can save non-wage labour costs, counts as a business expense and strengthens staff retention at the same time. For your employees it is an affordable form of risk cover.
With a direct pension commitment, a company promises an additional pension to employees, senior staff or officers. It is often used as a way of retaining key people. At the same time it can open up tax planning options for the company.
Occupational group insurance is a form of company pension scheme based on a traditional life insurance policy. It offers a guaranteed benefit plus a share in the profits, the amount of which is not guaranteed. It is one possible way of topping up your employees' pensions.
The Pensionskasse is part of the second pillar of the Austrian pension system. It is a privately organised model of company pension provision and is designed to build a further pension on top of the state pension.
The company severance fund is part of the Austrian Abfertigung neu system. As a company, you need to keep an eye on severance entitlements, liquidity and your obligations towards your staff. Depending on your situation, additional solutions can help you optimise severance pay or avoid liquidity bottlenecks.
A loan is more than a monthly instalment. What matters is that it fits your circumstances, your income, the investment you are planning and the flexibility you want. Whether you are buying a flat, building a house, renovating, buying a car, investing in your business or bridging a gap privately: a good loan starts with sound preparation. The better your documents, own funds, income and total costs are set out, the more effectively you can compare offers and negotiate terms. As an independent credit broker, we help you review the options, compare offers and find the solution that suits your situation.
Buying a flat, a house or a plot of land is one of the biggest financial decisions many people ever make. That is why a property loan deserves careful preparation and planning. What matters is not only the purchase price and the monthly instalment, but also the ancillary costs, your own funds, renovation costs, the term, the interest rate, what you can afford each month and the risks involved. The aim is a loan you can still afford in the long run and that leaves you enough flexibility to live.
For entrepreneurs and the self-employed, getting a loan is often more complex than it is for employees. Banks look not only at your income, but also at your annual accounts, management reports, tax assessments, order books and how your business is developing. Good preparation is therefore particularly important. The aim is to present your financial position clearly and to find the right lending partners.
A loan should never be looked at in isolation. Once you borrow, you take on long-term commitments. So it is worth checking which risks you need to cover, above all loss of income, occupational disability, death, illness, unemployment and damage to the property or to whatever you are financing. A good loan is therefore not just a low interest rate, it is also a well-considered safety net.
With Lease Purchase, which in Austria is generally referred to as Leasing, the vehicle normally remains the property of the leasing company for the term of the contract. You use the vehicle and pay the agreed instalments for it. Leasing can be particularly attractive if you intend to use the full term and pay the agreed residual value at the end. Bear in mind, though, that paying off early does not always bring you the same advantages as it does with a loan.
With a car loan you buy the vehicle and finance it through the bank. The vehicle is your property from the start. One advantage of a loan is that, if you repay early, you usually only pay interest up to the day you actually repay. On the other hand the interest rate can be higher than with leasing. What always decides the question is a comparison of the total costs.
Operating leasing can be attractive if you like to drive a new vehicle regularly. Put simply, you use or hire a vehicle for an agreed term. This form is usually more expensive than traditional leasing, but it is more convenient when you change vehicles and when the old one is sold on. It suits people and companies who value predictable costs and a regular change of vehicle more than ownership.
Equipment finance means financing movable business assets: machinery, devices, vehicles, business equipment, technical installations and other capital goods. For a company, leasing or another form of finance can make sense when you want to invest without tying up all your own funds. The key is to look at the finance, the tax effect, the useful life and your liquidity together.
Business investment often centres on machinery, technical devices or production plant. Purchases like these can require large sums, but they are often necessary for growth, modernisation or greater efficiency. The right finance makes your investment predictable and protects your company's liquidity. Depending on your situation, a loan, leasing or hire purchase can be the right solution.
Consumer credit and personal loans (in German, Konsumkredit, Privatkredit or Ratenkredit) are unsecured loans for private purposes. You should not take one out lightly for a holiday or a lifestyle purchase, but in certain situations they make good sense. Examples are necessary purchases, furnishing a home, a deposit for a rent-to-buy flat or bringing existing debts together in an orderly way. The important thing is that you can still afford the monthly instalment in the long run.
There is no such thing as the best investment. There is only the investment that fits your personal situation, your attitude to risk, your timeframe and your goals. If you want to build or preserve wealth, don't look at returns alone. Inflation, liquidity, security, costs, tax, flexibility and broad diversification matter just as much, because nobody knows in advance which type of investment will perform best. This is why it pays to treat investing as one overall strategy: Which assets should stay available at short notice? Which should be invested to grow in the long term? And which real assets can help you preserve purchasing power over many years?
Your own flat or house is not only a decision about where to live, it is also part of your wealth planning. If you buy your own home, you pay no rent in old age and you create a real asset. At the same time, keep in mind that a home usually ties up a great deal of capital and is not automatically a liquid investment.
With an Anlegerwohnung you buy a flat in order to earn rental income and build wealth over the long term. What matters is the purchase price, the location, the finance structure, the tax treatment, void periods, maintenance and how easy the flat will be to let in the long run. An Anlegerwohnung can be a good investment, but it always needs to be calculated carefully.
With a Bauherrenmodell you usually take a share in a larger property or in a renovation or new build project. The advantage can lie in tax relief and in long-term rental income. In return, these schemes are more complex and call for a close look at the project, the costs, the subsidies, the tax requirements and the term.
Property funds let you take a share in property projects or property companies, often with smaller amounts than you would need to buy a flat directly. What matters is that there are real property assets behind the investment. Check carefully what you are investing in, what the cost structure looks like and how liquid the investment is.
Gold is not a classic investment for returns, it mainly preserves purchasing power and value. It produces no ongoing income, but it can play an important part in times of crisis, when currencies are uncertain and as a long-term element of stability. Look at gold as part of a broadly diversified portfolio rather than on its own.
Alongside gold, silver and white metals such as platinum or palladium can be part of a precious metals portfolio. As well as being a store of value, these metals have industrial uses. That can make them more volatile than gold, but it also gives you additional ways to diversify.
Technology metals such as gallium, germanium, indium and hafnium are used in key industries of the future. They can be relevant for electronics, semiconductors, renewable energy, digitalisation and high-tech production. As an investment they are more specialised and less liquid, so use them only after a close look at the details.
Diamonds are small, portable and tradable worldwide, and as a real asset they can help you diversify. At the same time this is a highly specialised market. Quality, certification, tradability, storage, the purchase price and your options for selling all matter. Only consider diamonds as an investment with professional support.
An investment fund pools the money of many investors and spreads it across a range of assets. This gives you broad diversification even with smaller amounts. What matters is the strategy, the costs, the risk and how the fund fits your overall plan.
ETFs track an index and are usually cheaper than actively managed funds. They are a straightforward way to invest broadly in a market. Pay attention to which index the ETF tracks, how it replicates it and what the total costs are.
A securities account is the classic way to buy and hold funds, ETFs, shares and bonds. The account fee is not the only thing that counts. What decides the question is the total costs, the investments available, the way tax is handled, the flexibility and whether the platform suits your own strategy.
Unit-linked life insurance can be attractive for long-term investing, particularly if you want to make use of tax advantages. The exact cost structure is important. Over a long term, with higher expected returns and a suitable contract, this kind of policy can bring advantages. Over a short term or with high costs, a securities account is often the better solution.
Private equity means taking a share in companies that are not listed on the stock exchange. These investments are usually long term, less liquid and not tradable from day to day. The appeal lies in sharing in company growth that happens away from the stock market. Private equity is complex, though, and is often only open to experienced investors or through special fund structures.
Whisky casks are a real asset that can help you diversify. Their value depends on the age, the quality, the distillery, the storage, demand and your options for selling. At the same time this market is specialised and less liquid than traditional securities. Take a close look at the provider, the contracting party, the storage, the insurance and your exit options.
Investing is always personal. Income, wealth, age, attitude to risk, investment horizon, tax questions, sustainability preferences and personal goals are different for everybody. Professional advice helps you understand the opportunities and the risks, compare the options and develop a strategy that suits your situation in the long run.
Legal Notice
All content on this website is not a substitute for asset, insurance and/or financial advice. We expressly recommend that you seek personal advice before taking any action. We would like to point out that all information on this website is non-binding, based on an assessment and the accuracy of the content is not guaranteed.
Versicherungsmakler und Berater in Versicherungsangelegenheiten (insurance broker), GISA number 19099675 Vermögensberater & Kreditmakler (financial advisor and credit broker), GISA number 19106304
