Accidents happen wherever work is done – despite all caution. Again and again. Fortunately, there is the statutory accident insurance, you may be thinking. That is correct, but the statutory accident insurance only covers accidents at work and on the way to and from work. Accidents that happen in the free time are excluded!
New rules apply to skiing in Italy
Newsletter Private 03/2022
Every year, numerous winter enthusiasts and ski vacationers travel to Italy to wedel downhill on snow-covered slopes. But the risk of injury is great: About one third of all sports accidents occur while skiing. In order to significantly increase safety on the Italian ski slopes, the Italian Parliament passed Decree No. 40/2021 last year. If you have also planned a corresponding trip to the mountains, then you must have been insured since you were 1. January observe the following new rules:
Bav compulsory allowance – the consequences of ignoring it
Newsletter trade 02/2022
Already since the 1. As of January 1, 2019, you as an employer must make a mandatory employer contribution of 15 percent of the converted remuneration to the company pension plan (bAV in the form of a pension fund, pension fund or direct insurance) of your employees.
Private car sales, test drive etc. – Attention!!!
Newsletter Private 01/2022
Let's assume you own a five-year-old car that you would like to sell. Several prospective buyers respond to your ad, and you invite the first of them to a viewing appointment. After a positive first impression, the potential buyer would like to take a test drive to see the car in action. But what about insurance coverage in the event of an accident while on the slopes??
Official safety regulations
Newsletter Commercial 12/2021
Germany is a constitutional state. Laws and regulations govern the way we all live together, and in principle this is a very good thing. Over time, however, Germany has become one of the countries with the most regulations of all. Not even every public servant knows every existing safety regulation – how is "Otto Normalbürger" supposed to behave correctly at all times?? Do you know the garage regulations of your federal state?? The BGV A3 test? The details of your state fire regulations? Only a few will now nod vigorously with a convinced "Yes, sir!!" Of itself can give.
Pay attention to pension info, Riester/Rürup check – now!
Newsletter Private 11/2021
Since 2002, every person with statutory pension insurance who has reached the age of 27 has received an annual pension. If you have reached the age of 60 and have been paying contributions for at least five years, you must receive pension information once a year. This shows, among other things, what pension entitlement you have already accumulated and – this is the bigger figure – what pension you are predicted to receive if you continue to earn as you do now. Since the pension information has been sent out regularly, insured persons have been enjoying the ever-increasing figures. But in doing so, you should keep in mind one not insignificant detail.
With a corporation, for example a limited liability company, you can save taxes well. Here is one of the possibilities:
As a shareholder-managing director or board member, you are familiar with the annually recurring topic: Your tax advisor sends you the business management report.
Damage caused by heavy rain – how to insure?
Newsletter Private 09/2021
It's pouring like a bucket!", "It's raining dogs and cats!"When it rains so hard that you start to wonder whether it would be better to have two of each kind around you, the saying goes.
All clear for the company pension plan?
Newsletter Business 08/2021
You are an employer and already subsidize your employees' company pension plans with 15 percent (or more) of the amount converted from salary? Then you are on the safe side. No need to read any further. If not, then you should definitely take action. But always in order ..
Heavy rain/flooding – a risk for (almost) everyone
Special Newsletter 2 Private 2021
It's pouring with rain!", "It's raining dogs and cats!"When it rains so hard that you start to wonder whether it would not be better to gather two of each kind around you, the vernacular has come up with some nice expressions to describe it figuratively. In June and July 2021, continuous and heavy rainfall will lead to exceptional and crisis situations in various parts of Germany.
2022: Lowering the actuarial interest rate – What are the consequences??
Special Newsletter Private 2021
In 2022, the calculation interest rate for all types of life insurance products will be lowered to just 0.25%. This will have massive effects not only on new pension contracts. Since the media – if at all – will surely report again only very superficially and with half-knowledge, we would like to supply you here gladly genuine facts.
Workforce insurance – more important than ever!!!
Newsletter Private 07/2021
Since very few of us were born with the much-cited golden spoon in our mouths, it is generally up to everyone to take care of their own regular income. In the vast majority of cases, daily work is the key to achieving the goals you have set yourself (z. B. Standard of living for yourself and your family) or to permanently secure what you have already achieved.
Alternative energies: also in your company?
Newsletter Commercial 06/2021
The energy turnaround no longer takes place only in the private sphere. More and more companies are also producing their own electricity. Provide for yourself at least in part. In most cases, this is done through photovoltaic systems, which are mainly installed on the roofs of company buildings.
Private cancer prevention makes sense – because you never know if you will be affected yourself…
Newsletter Private 05/2021
In Germany, about 500,000 people are diagnosed with cancer every year. 51 percent of men and 43 percent of women are statistically confronted with this diagnosis in the course of their lives. And it's not only adults who are affected – more and more children and teenagers also have to deal with this terrible news.
Why group accident insurance is good for your employees – and thus for your company
Newsletter Commercial 04/2021
Motivated employees are the biggest and most important asset a company can have. Employee benefits of various kinds are a proven way to express appreciation to employees. As an employer, you have the option of insuring your employees against the financial consequences of company and/or private accidents as part of a voluntary group accident insurance policy.
Sum adjustment in the labor insurance – you must be able to live on it …
Newsletter Private 03/2021
The value of one's own labor cannot be overestimated. For almost everyone, the only way to make money is to work. And those who can no longer work have to cope with massive restrictions, possibly even slipping down the social ladder.
Not only could you be a victim, but you could also be held liable yourself! The types of cybercrime are many and varied. Are unfortunately becoming more and more extensive over time. It has never been easier to find instructions and tools for a cyber attack on the Internet. This means that not only a proven IT expert, but theoretically also your neighbor can become a perpetrator through easy access to the information. As expected, cybercrime will continue to increase year over year.
Good resolutions for the new year?
Newsletter Private 01/2021
The turn of the year has always been a welcome opportunity to make good resolutions and tackle important things that have perhaps been put off for far too long. We've been thinking about this as well, and we'd like to take this opportunity to share three important points with you heading into the new year.
Accidents in the cold season
Newsletter Gewerbe12/2020
Towards the end of the year you really notice how nature wants to come to rest. It gets light later. Earlier dark again. Temperatures are dropping and the weather is waiting with fog, precipitation and snow. But working life goes on, of course. We have to adjust to the harsher outside world. This also applies to journeys to your clients.
Soldarity surcharge – 2021 is the end…!
Newsletter Private 11/2020
Around 90 percent of taxpayers in the country will no longer have to pay the solidarity surcharge as of next year. The supplementary levy on income introduced in 1991-. Corporate income tax was originally to be levied for only one year.
Machinery
Newsletter Commercial 10/2020
Machines are the largest capital goods in many companies. In most cases, the amount of investment and dependence on machinery for business operations and success go hand in hand. Accordingly, it's important to protect against damage to your mechanical helpers. With a powerful business contents insurance you lay the first important foundation stone for this. Generally, however, such insurance does not cover all causes of loss that can lead to machinery damage.
After long, tough negotiations, the federal government passed the Basic Pension Act in July of this year, which is. A hard battle was fought in the run-up to the event. Even the continuation of the grand coalition made dependent on it.
§ 439 Abs. 3 BGB (German Civil Code) and liability for defects under purchasing law
Newsletter Commercial 08/2020
One risk for which most public liability tariffs probably do not currently offer insurance coverage is the cost of removal and installation when defective products have been sold. Under the Product Liability Act, every manufacturer is liable in principle for damage caused by defects in and to its products.
Small children – big (money) needs
Newsletter Private 07/2020
On the occasion of the annual "Child Safety Day", the Federal Ministry of Finance recently announced its intention to pay out around 4.3 billion euros as a child bonus in the fall – thanks to Corona. This is quite begrü.Ensworthy, but given the actual cost of keeping a child safe, ultimately probably just the much-vaunted drop in the bucket.
Home office insurance coverage
Newsletter Private 05/2020
A great many people are currently working from home in the wake of the Corona Lockdown. We would therefore like to take a look at how your insurance coverage is at the home office.
Don't estimate or make a rough guess – the sum has to be right!
Newsletter trade 04/2020
Basically, the principle is explained quite quickly: if you want to be fully reimbursed for every insured loss in the contents insurance, you also have to choose the sum insured so that it is sufficient for the entire business equipment. Even if this may seem to be self-evident, it is precisely for this reason that performance cuts occur in practice again and again. The reason for this: Underinsurance!
Cybercrime – online banking
Newsletter Private 03/2020
Card theft, phishing emails, data misuse, hacker attacks, cyber crime incidents are on the rise. Often think that your own data and finances are safe, since personal information or private assets are less interesting to criminals, who want to get their hands on the big money as quickly as possible. Wrong thinking!
Take cyber risks seriously! The types of cybercrime are many and varied. Become unfortunately more and more extensive in the course of the time. It has never been easier to find instructions and tools on the Internet for a cyber attack. So with easy access to information, it's no longer just the IT geek in the basement who can become a culprit, but theoretically your neighbor as well.
2020 brings changes…
Newsletter Private 01/2020
…But first we would like to take this opportunity to wish you all the best for the new year: Health, happiness, money and whatever else you may need. The new year comes with a whole bunch of changes.