Insurance Solutions

Unlock your full potential with state and EU funding! From buying your dream home and starting a family to growing your business, we handle the bureaucracy so you don't have to.

Safety for You and Your Family

Select the insurance coverage best suited to your profile. Our independent advisors analyze and compare products across multiple insurance carriers to deliver optimal terms.

Home Insurance – Protect Your Real Estate Assets

Residential property represents one of your most significant financial investments. Unexpected events—such as fires, severe weather, burglary, or water damage—can result in substantial financial loss. Home insurance provides structured financial protection for owner-occupied residences, rental properties, and holiday homes.

 

What Does Home Insurance Cover?

Building Coverage

Safeguards the physical structure, including walls, roofing, flooring, and fixed fixtures against fire, lightning strikes, explosions, windstorms, floods, groundwater inundation, and vandalism.

Contents Coverage

Protects household personal property (furniture, electronics, jewelry, apparel) against theft, burglary, and perils.

Liability Coverage

Indemnifies third-party property damage originating from your premises (e.g., plumbing leaks affecting neighboring units).

Supplementary Add-ons

Glass breakage, electrical equipment failure, temporary relocation expenses, and lock replacement coverage.

 

Key Selection Factors

  • Adequacy of sum insured (preventing underinsurance)
  • Scope of included vs. excluded perils
  • Deductible / policy excess levels
  • Claims processing efficiency and procedures
  • Annual premium structures and payment options
  • Availability of optional riders

 

Premium rates for identical coverage profiles can vary significantly between carriers. We analyze the market to secure optimal value.

 

Why Comprehensive Coverage is Critical

  • Structural fire damage can incur millions in restoration costs
  • Total contents value often exceeds that of personal vehicles
  • Underinsurance results in proportional, partial claims settlements
  • Adequate coverage mitigates major financial exposure for a modest annual fee

 

How We Help

As independent insurance brokers, we compare offers across dozens of insurers to recommend solutions tailored to your property, risk profile, and budget—operating strictly in your financial interest.

 

Request a Free Quote!

Secure your property today. Request a complimentary home insurance comparison.

Accident Insurance – Financial Protection Against Unexpected Injuries

Physical injuries, occupational accidents, or traffic incidents can lead to temporary disability and mounting medical expenses. Accident insurance delivers immediate financial liquidity during critical recovery periods.

What Does Accident Insurance Cover?

  • Accidental death benefit payouts
  • Permanent accidental disability lump-sum compensation
  • Daily hospital indemnity allowances
  • Single-payout bone fracture benefits
  • Surgical fee reimbursements
  • Rehabilitation and recovery allowances
  • Coverage options available for both adults and minors

Recommended For:

  • Individuals in high-risk physical occupations
  • Athletes and active individuals
  • Parents seeking child coverage riders
  • Frequent commuters and high-mileage drivers
  • Seniors facing elevated fall risks
  • Household heads securing family financial stability

Core Advantages

  • Accessible monthly premiums
  • Streamlined underwriting process
  • Stackable with health insurance policies
  • Unrestricted indemnity disbursement
  • Available via group/corporate structures

Egy baleseti rokkantsági esemény anyagi következményei egy megfelelő balesetbiztosítással enyhíthetők. Ne hagyja, hogy a váratlan egyúttal felkészületlen is legyen!

How We Help

We evaluate policy options across providers based on your age, occupation, and risk exposure. Request a free market comparison.

Term Life Insurance – Securing Your Beneficiaries

Term life insurance provides guaranteed financial protection for your dependents in the event of your death, preventing household insolvency.

What is Term Life Insurance?

A policy that disburses a predetermined lump sum to designated beneficiaries upon the insured's death within the policy term. Premiums are paid monthly or annually; if no claim occurs during the term, no payout is made, rendering it significantly more cost-effective than whole-life investment policies.

When Is It Critical?

  • Supporting minor dependents as the primary earner
  • Servicing outstanding mortgage or debt liabilities
  • Protecting a surviving spouse from financial hardship
  • Mitigating corporate partner mortality risk

Key Benefits

  • Competitive baseline premiums
  • High maximum sum insured limits
  • Rider options for total permanent disability and critical illness
  • Qualification as credit-life mortgage protection
  • Tax-advantaged status under specific regulations

Credit-Life Insurance

Recommended alongside mortgages and substantial personal loans, ensuring outstanding principal is fully settled upon the borrower's death without transferring debt to heirs.

A kockázati életbiztosítás nem magának köti – a szeretteinek. Ez az a döntés, amelyet nem szabad halogatni, és amelyet soha nem fog megbánni.

How We Help

We evaluate available life insurance policies, cross-referencing health assessments, age, and coverage requirements to recommend optimal plans.

Health Insurance – Private Medical Coverage

Health insurance ensures rapid access to private healthcare services, protecting personal finances from unexpected medical expenses.

What Does Private Health Insurance Cover?

Outpatient Care

Specialist consultations, diagnostic imaging (MRI, CT), and laboratory analysis at private clinics.

Inpatient Care

Private hospital surgeries, accommodation, and intensive care.

Preventative Screenings

Routine health checks and oncological screenings.

Pharmaceuticals & Medical Devices

Full or partial prescription coverage.

Dental Care

Basic treatments, oral surgery, and orthodontics (policy-dependent).

Mental Health

Coverage for psychological consultations and therapies.

Strategic Advantages

  • Direct access to care without public waiting lists
  • Freedom of physician and facility selection
  • Access to high-tier medical specialists
  • Structured preventative diagnostic programs
  • Megelőzés és szűrés rendszeres lehetősége

Magyarországon a magánegészségügyi kiadások átlaga évente több százezer forint. Egy jól megválasztott egészségbiztosítással ez a teher nagyrészt eltűnik – és cserébe a legjobb ellátást kapja!

Corporate Group Health Insurance

Enterprises utilize group health insurance as a tax-efficient employee benefit that reduces absenteeism and improves workforce retention.

How We Help

We analyze private health insurance policies to match your individual or corporate requirements with optimal network access and fee structures.

Request a Free Quote!

Az egészség nem pénz kérdése – de a megfelelő egészségbiztosítással nem is kell annak lennie. Kérjen ajánlatot még ma!

Pension Savings – Long-Term Retirement Planning

Initiating retirement savings early leverages compound interest over time, substantially expanding accumulated wealth upon retirement.

Why Private Retirement Savings Are Essential

Demographics, shifting worker-to-retiree ratios, and rising life expectancy constrain public pension replacement rates. Private savings serve as a necessary supplement to sustain post-retirement living standards.

Retirement Savings Vehicles (Hungary)

Voluntary Pension Funds

Contributions accumulate tax-deferred, supported by a 20% annual state tax rebate (capped at HUF 150,000/year). Employer co-contributions allowed.

Pension Insurance Policies

Insurance-backed savings structures offering guaranteed or unit-linked investment options alongside state tax rebates.

Retirement Savings Accounts

Self-directed securities accounts granting 20% tax rebates on eligible annual contributions.

Adókedvezmény

Combined contributions across eligible vehicles qualify for up to HUF 280,000 in annual tax rebates.

Ha 30 évesen kezd el havi 20.000 Ft-ot megtakarítani, 65 éves korára több tízmillió forint állhat rendelkezésre. Ha 50 évesen kezdi, töredék összeg gyűlik össze. Az idő a pénz!

How We Help

  • We conduct financial needs assessments, structure tax-optimized portfolios, and continuously monitor long-term strategy execution.
  • General Savings & Investments – Capital Wealth Accumulation
  • Structuring dedicated savings protects liquid assets from inflation while establishing capital reserves for medium-term goals and long-term liquidity.
  • Adókedvezmény-optimalizálás
  • Hosszú távú nyomon követés és tanácsadás

Kezdjen el ma!

Minden egyes nap, amelyet elveszteget, a jövőjébe kerül. Kérjen ingyenes nyugdíjtervezési konzultációt, és lépjen a pénzügyileg biztonságos jövő felé!

General Investment Instruments

Structuring dedicated savings protects liquid assets from inflation while establishing capital reserves for medium-term goals and long-term liquidity.

Why Active Savings Are Essential

  • Inflation Mitigation: Inflation steadily erodes the purchasing power of capital held in standard bank accounts year after year.
  • Emergency Preparedness: Maintaining a dedicated financial reserve is critical for managing unexpected expenses.
  • Financial Autonomy: Disciplined savings directly translate to future financial independence and flexibility.
  • Capital Growth: Invested capital generates wealth over time, ultimately outperforming active labor income.

General Investment Instruments

Unit-Linked Life Insurance

Combines capital market exposure via investment units with baseline life insurance coverage.

Savings Accounts & Fixed Deposits

Low-risk, capital-guaranteed instruments suitable for short-term liquidity storage.

Direct Securities Portfolios

Stocks, bonds, and mutual funds offering higher potential yields alongside market risk.

Managed Investment Funds

Professionally managed, diversified asset portfolios matching varied risk profiles.

Selection Criteria

Choosing the optimal savings vehicle depends on several critical factors:

  • Capital & Time Horizon: What is the principal amount, and over what timeframe are you planning?
  • Risk Tolerance: What level of market risk are you willing to accept?
  • Financial Goals: Are you accumulating funds for a specific near-term objective?
  • Tax Incentives: Do you intend to leverage available tax credits and allowances?

Even the lowest-yielding savings strategy is superior to allocating zero reserves. However, the optimal solution is one aligned precisely with your strategic goals and risk profile. We are here to guide your selection.

How We Help

Our advisors review your balance sheet, time horizon, and risk tolerance to construct a tailored investment strategy.

Kezdjen el megtakarítani ma!

Vegye fel velünk a kapcsolatot, és tegyük meg együtt az első lépést a pénzügyileg biztonságosabb és gazdagabb jövő felé!

Compulsory Third-Party Motor Insurance (KGFB) – Regulatory Compliance & Optimization

KGFB is a mandatory legal requirement for vehicle owners in Hungary, covering third-party bodily injury and property damage resulting from traffic accidents.

Coverage Scope

Compulsory Third-Party Motor Insurance (KGFB) provides coverage for damages caused by your vehicle to third parties. If you cause an accident, your KGFB policy reimburses the other party's:

  • Third-party personal injury (medical treatment, disability, compensation)
  • Third-party property damage (vehicle repair, infrastructure)
  • Jogi és adminisztrációs költségek

Exclusions & Limitations

  • Damages sustained by your own vehicle (covered separately under CASCO insurance)
  • Personal injuries sustained by the driver at fault
  • Legal and administrative expenses

Premium Optimization Strategies for KGFB

  • Market Comparison: Requesting multiple concurrent quotes remains the most effective cost-reduction mechanism.
  • Bonus-Malus Classification: A longer claims-free history directly yields lower annual premium rates.
  • Bonus Protection Endorsements: Preserves your earned bonus tier following a covered loss event.
  • Rider Rationalization: Reviewing optional policy add-ons to eliminate unnecessary coverage scope.

Policyholders frequently remain with an incumbent insurer for years without reviewing competitive rates. Conducting a market comparison can yield premium reductions of 30% to 50% annually.

Optimal Policy Transition Milestones

  • Policy Renewal: Submitting a cancellation notice at least 30 days prior to the annual renewal date.
  • Vehicle Sale or Acquisition: Terminating or initiating coverage upon transfer of ownership.
  • Unwarranted Rate Increases: Identifying excessive premium inflation upon renewal notice.
  • Substandard Claims Handling: Dissatisfaction with an insurer's settlement performance.

How We Help

We execute instant rate comparisons across all licensed motor insurers to optimize annual premiums and manage carrier transitions.

Comprehensive Motor Insurance (CASCO) – Full Asset Protection

Unlike mandatory third-party coverage, CASCO insures the policyholder’s own vehicle against accidental damage, weather events, fire, theft, and vandalism.

Policy Structures

Full CASCO

Comprehensive cover including collision damage (at-fault), theft, natural disasters, fire, vandalism, and glass replacement.

Partial CASCO

Targeted cover restricted to theft, natural perils, fire, and glass, excluding collision damage.

Recommended Profiles for CASCO Coverage

  • Owners of new or high-value vehicles
  • Vehicles financed through bank loans (frequently required by lending institutions)
  • Leased vehicles
  • Drivers seeking financial security against repair liabilities
  • High-mileage drivers or those operating under adverse road conditions

Distinction Between CASCO and KGFB (Third-Party Liability)

  • KGFB: Covers third-party losses when you are at fault in an accident (statutory obligation)
  • CASCO: Covers losses sustained by your own vehicle (voluntary coverage)
  • Combined, both policies deliver comprehensive risk protection.

Selection Criteria for CASCO Policies

  • Deductible Levels: Lower deductible thresholds correlate with higher premium rates
  • Courtesy Vehicle Provision: Replacement transport during repair periods
  • Roadside Assistance Services: Emergency support in case of breakdown
  • Specialized Endorsements: Specific terms for glass breakage and elemental damage
  • Premium Competitiveness & Claims Handling Reputation: Balancing cost with insurer reliability

Policyholders are often surprised by the premium variations revealed through a competitive CASCO market review. We assist you in identifying the optimal policy structure.

How We Help

As an independent insurance brokerage, we compare CASCO products across multiple insurance carriers to secure optimal coverage terms at competitive premium rates. Request a complimentary market evaluation.

Travel Insurance – Travel Worry-Free, Wherever You Go

When traveling abroad, travel insurance is not a luxury—it is a basic necessity. An unexpected illness, an accident, lost luggage, or a canceled flight can ruin a dream trip in a matter of moments and place a massive financial burden on the traveler. Travel insurance covers these risks.

What Does Travel Insurance Cover?

Medical Coverage

Full funding for medical care abroad, hospital treatment, emergency intervention, and repatriation. This is the most crucial coverage—hospital care abroad can easily cost millions of forints!

Baggage and Valuables Insurance

Compensation for lost, stolen, or damaged luggage.

Trip Cancellation and Interruption

Reimbursement of cancellation fees if you are unable to travel due to illness or force majeure.

Delays and Missed Connections

Coverage for additional expenses resulting from flight or other transport delays.

Legal Protection

Legal assistance in matters involving foreign authorities or accidents.

Annual Travel Insurance – For Frequent Travelers

If you travel abroad multiple times a year, annual travel insurance is significantly cheaper and more convenient than taking out a separate policy for every trip. A single premium payment keeps you covered for the entire year.

Special Coverage Options

  • Sports activities (skiing, scuba diving, extreme sports)
  • Travel during pregnancy
  • Senior travelers
  • Business trips

A single emergency hospital treatment abroad can result in a bill of several million forints. The annual premium for travel insurance is a fraction of that—do not travel without it!

How We Help

We show you the best travel insurance offers tailored to your destination, travel habits, and specific needs. Request a free comparison—and travel worry-free!

Agricultural Insurance – Protect Your Agricultural Assets

Agriculture is one of the highest-risk sectors: weather, plant diseases, livestock loss, and natural disasters are all factors over which a farmer has no control. Agricultural insurance is the financial tool that protects a farmer's work and investment from unpredictable losses.

What Types of Agricultural Insurance Are Available?

Crop Insurance

Insurance for arable crops, horticultural cultures, vineyards, and orchards against hail damage, frost, flood, drought, and other natural hazards.

Livestock Insurance

Compensation in the event of loss, emergency slaughter, or accidents involving farm animals (cattle, swine, poultry, horses).

Farm Building and Machinery Insurance

Insurance for agricultural real estate, storage facilities, machinery, and equipment against fire, storms, and burglary.

Farmer Liability Insurance

Coverage for third-party liability arising from farming activities.

State-Subsidized Agricultural Insurance

In Hungary, a specific portion of agricultural insurance premiums is subsidized by the state, allowing farmers to access necessary protection at a discounted rate.

Recommended For:

  • Arable and horticultural farmers
  • Livestock breeders
  • Agricultural enterprises
  • Biogas and wine producers
  • Investors with interests in agricultural business

A single bad year, a severe hailstorm, or an epidemic animal disease—without insurance, these can destroy an entire farming operation. Protect what you have invested years into!

How We Help

Our agricultural insurance experts will help you find the insurance solution best suited to your farm—taking into account the type of cultivation, land size, and individual risk factors. Request free information today!

Service Financing – Pay Conveniently, Even for High-Value Services

Certain high-value services—such as dental treatments, laser eye surgery, plastic surgery, medical treatments, training courses, and education—often require upfront, full payment. Service financing makes it possible to fulfill payments in convenient installments rather than paying the entire amount all at once.

What Can Service Financing Be Used For?

  • Dental and implantology treatments
  • Ophthalmic procedures (laser surgery, lens replacement)
  • Aesthetic and plastic surgery
  • Medical and wellness services
  • Education, higher education, and MBA programs
  • Wedding planning and event service providers
  • High-value home services (e.g., interior designers, decorators)

How Does It Work?

Service financing is essentially a personal loan-like product, often provided directly in cooperation with the service provider. Key steps:

  • The service provider performs the work or delivers the service.
  • The financing partner makes the payment directly to the service provider.
  • The client repays the total amount in monthly installments.

Benefits

  • Immediate access to desired services without waiting to save up
  • Fixed, predictable monthly installments
  • Available with a low initial down payment or even zero down payment
  • Fast approval and disbursement

Do not postpone decisions that improve your health, self-development, or quality of life! We help you find the right financing solution.

How We Help

Our financial advisors will help you find the most favorable service financing solution. Request free information today and take the first step toward what you have been planning for a long time!

Legal Expenses Insurance – Enforce Your Rights Without Financial Risk

Life is full of legal situations that require a lawyer and court involvement: labor disputes, traffic accidents, real estate issues, and consumer protection cases. Handling these can be extremely expensive—unless you have legal expenses insurance.

What Is Legal Expenses Insurance?

Legal expenses insurance covers the costs of your legal representation and claim enforcement in a disputed situation. This includes attorney fees, court costs, and other procedural expenses.

What Areas Does It Protect?

Traffic Legal Protection

Legal representation for your interests in traffic accidents and vehicle damage claims.

Labor Law Protection

Legal action against unlawful termination, wage disputes, and employer abuses.

Real Estate Matters

Legal management of neighborhood disputes, lease agreements, and property transfer issues.

Consumer Protection

Enforcement of consumer rights in cases of defective products, misleading advertising, or warranty disputes.

Tax Law Matters

Legal support and remedies in tax authority proceedings.

Why Is It Worth Taking Out Legal Expenses Insurance?

  • A lawyer's hourly rate ranges from HUF 15,000 to HUF 50,000, and a prolonged lawsuit can cost hundreds of thousands.
  • The annual premium for insurance is a fraction of this cost.
  • Psychological security—knowing that if a legal problem arises, you do not stand alone.
  • Preventive legal advice is also provided in many cases.

Most people do not think about legal expenses insurance—until they need it. When that moment comes, however, it is invaluable!

How We Help

We show you the legal expenses insurance solution best suited to your life situation and risks. Request a free comparison today and be prepared for any legal challenges!

Protect Your Business Assets

Minimize risks with proper liability and property insurance. Ensure the uninterrupted operation of your company in any situation.

Business Liability Insurance – Protect Your Company from Compensation Claims

Every business can make mistakes—and the consequences of a major damage incident can even threaten the existence of the company. Business liability insurance is the tool that protects your business from having to pay out of pocket for the consequences of an accident, error, or omission.

Types of Liability Insurance

General Business Liability Insurance

Covers bodily injury and property damage caused to third parties arising from business operations.

Professional Liability Insurance

Covers damages resulting from errors or omissions committed during professional activities. Mandatory or highly recommended for lawyers, doctors, accountants, designers, and consultants.

Product Liability Insurance

Coverage for damage caused by defective or dangerous products. Particularly important for manufacturers and importers.

Employer's Liability Insurance

Coverage for the employer's compensation liability in cases of injuries or illnesses suffered by employees during work.

Why Is It Essential?

  • A major damage incident can consume all corporate assets.
  • It is increasingly a requirement among contractual partners.
  • It is a statutory obligation in certain industries.
  • It is essential for maintaining company reputation and business continuity.

A single damage incident or lawsuit can cost millions—or ruin the company. Liability insurance is an investment that you hope never has to pay out, but if needed, it saves your business.

How We Help

Our corporate insurance experts assess the risks arising from your company's activities and propose a personalized liability insurance solution. Request a free corporate risk assessment today!

Corporate Property Insurance – Protect Your Company's Most Vital Assets

A company's assets—buildings, machinery, equipment, inventory, and IT hardware—are the fruit of years of hard work and investment. However, a single fire, burglary, or natural disaster can destroy everything you built in a matter of minutes. Property insurance is the safety net that protects your firm's physical assets.

What Does Corporate Property Insurance Cover?

  • Buildings and structures (owned or rented property)
  • Machinery, equipment, and production tools
  • Inventory and raw materials
  • Office furniture and IT equipment
  • Outdoor assets and vehicles
  • Coverage against fire, explosion, lightning, storms, hail, and floods
  • Burglary, robbery, and vandalism

Supplementary Add-ons

  • Business Interruption Insurance – Covers lost revenue and ongoing expenses if production halts due to an insured loss.
  • Cash and Securities Insurance
  • Goods-in-Transit Coverage

Why Is Business Interruption Insurance Crucial?

A fire or flood does not just destroy assets—it halts business operations for weeks or months. Business interruption insurance covers lost revenue and fixed costs until your enterprise returns to full capacity.

How many days would it take for your business to face bankruptcy if the warehouse burned down tomorrow? With business interruption insurance, that question becomes irrelevant.

How We Help

Our corporate insurance advisors assess your company's assets and risks, then create a tailored property insurance offer. Request a free risk assessment and quote today!

Condominium Insurance – Shared Responsibility, Shared Protection

A condominium is not just a collection of residential units—it is shared property and shared responsibility. Damages occurring in common areas, liability claims, and building damage affect the entire community, imposing serious administrative and financial burdens on the owners. Condominium insurance provides the solution to these risks.

What Does Condominium Insurance Cover?

Building Insurance

Damage to the entire building (roof, facade, staircase, basement, and common rooms) in the event of fire, storm, water damage, or vandalism.

Common Property Equipment

Elevators, boilers, common electrical wiring, intercom systems, and other shared installations.

Liability Coverage

If damage is caused to a third party originating from common areas (e.g., roof, rain gutters, staircase), the insurance covers the claim.

Glass Breakage and Extras

Breakage coverage for windows in common areas, glass surfaces, or elevator glass panels.

Why Is It Important?

  • Damage to the shared building affects every property owner.
  • A liability case (e.g., snow falling off the roof and injuring a pedestrian) can cost millions.
  • The homeowners' association can resolve major damages without unmanageable financial strain.
  • Banks and mortgage lenders often require it as a mandatory condition.

A good condominium insurance policy costs only a few thousand forints per apartment per year—and provides comprehensive protection against the most expensive potential damages.

How We Help

We assist condominium communities in finding the most suitable insurance solution, taking into account the building's features, age, and the value of the common property. Request a free quote today!

Fleet Insurance – Comprehensive Coverage for Corporate Vehicles

If your business operates multiple vehicles, fleet insurance is not only simpler but also significantly more cost-effective than individual policies. With a single contract and transparent terms, you can insure all corporate vehicles—from light commercial vehicles to heavy trucks.

What Does Fleet Insurance Include?

  • Mandatory Third-Party Motor Liability Insurance (KGFB) for all vehicles
  • CASCO coverage (full or partial, based on your needs)
  • Roadside assistance and recovery services
  • Replacement vehicle coverage
  • Driver accident insurance

Advantages of Fleet Insurance

  • A single contract and single premium payment for the entire fleet
  • Significantly lower unit rates compared to individual insurance policies
  • Flexible addition or removal of vehicles
  • Dedicated fleet manager and claims handling specialist
  • Comprehensive reporting and loss statistics for the company
  • Streamlined administration

Recommended For:

  • Businesses with at least 3 to 5 vehicles
  • Transport and logistics companies
  • Freight forwarders
  • Commercial sales networks
  • Public service and municipal fleets

Starting from just 5 vehicles, taking out fleet insurance is well worth it—unit premiums can be up to 20–30% lower than the total cost of individual policies!

How We Help

Our corporate insurance experts assess your vehicle fleet composition, business operations, and specific risk factors to prepare a tailored fleet insurance proposal. Request a free assessment today!

Machinery Breakdown Insurance – Protect Your Machinery and Equipment

For manufacturing and service businesses, the reliable operation of machinery and equipment is the foundation of the business. A single breakdown, mechanical failure, or sudden operational disturbance can halt production for days and cause huge losses. Machinery breakdown insurance covers this risk.

What Does Machinery Breakdown Insurance Cover?

  • Unexpected, accidental mechanical failures
  • Electrical faults and damage caused by short circuits
  • Fractures resulting from material defects
  • Damage caused by operator error or human negligence
  • Consequences of design faults
  • Repair and replacement costs

Exclusions & Limitations

  • Normal wear and tear
  • Damage resulting from lack of maintenance
  • Intentional damage

Recommended For:

  • Manufacturing and production enterprises
  • Owners of agricultural machinery fleets
  • Restaurants, commercial kitchens, and cafes
  • Printing and packaging companies
  • Medical and dental practices
  • Any company with high-value machinery

A single major breakdown—along with repair costs and the revenue lost to downtime—can cost millions. Machinery breakdown insurance provides complete protection for a fraction of that cost!

Combinable with Other Corporate Insurance Policies

A géptörés biztosítás hatékonyan kombinálható vagyonbiztosítással és üzleti megszakadás biztosítással, így a legteljesebb körű védelmet nyújtja.

Request an Assessment Today!

Our corporate insurance advisors will evaluate the value and risk profile of your machinery and recommend the best machinery breakdown insurance solution. Request a free consultation today!

Electronic Equipment Insurance – Your Digital Assets Deserve Protection Too

The heart of modern businesses is IT infrastructure: servers, computers, laptops, tablets, networking equipment, and telecommunication systems—these are essential assets for any company. Electronic equipment insurance ensures that failure or damage to these devices does not bring your business operations to a halt.

What Does It Cover?

  • Computers, laptops, tablets, phones
  • Servers, networking equipment
  • Telecommunication and communication systems
  • Medical electrical instruments
  • Measurement and control equipment
  • Sound systems and studio equipment

What Types of Damage Are Covered?

  • Electrical failure (short circuit, power surge)
  • Accidental breakage, fall damage
  • Vandalism, burglary
  • Damage to data storage media
  • Hardware damage resulting from software errors

Data Protection and Data Recovery

Many insurers offer data recovery coverage as an optional add-on, which covers the cost of rescuing and restoring data from damaged storage media.

Theft or breakage of a laptop costs a few hundred thousand forints. But what about the data? The loss of content on a server can be an irreversible loss—unless you have insurance!

How We Help

We compare available electronic equipment insurance offers and find the most suitable policy for your business. Request a free quote today!

Cargo Insurance – Protect Your Goods in Transit

The transportation of goods and valuables carries numerous risks: traffic accidents, theft, natural disasters, and handling errors can all cause financial loss. Cargo insurance ensures that your goods reach their destination—or, if they do not, that the loss is fully compensated.

Cargo Insurance Coverage Options

All-Risk Coverage

The most comprehensive coverage, protecting against almost all risks except explicit exclusions. Highly recommended for high-value cargo.

Named Perils Coverage

Covers only the specific risks named in the insurance policy (e.g., fire, theft, collision). A more economical option, but provides narrower protection.

Applicable Modes of Transport

  • Road transport (trucks, lorries, automobiles)
  • Rail transport
  • Air transport
  • Sea transport
  • Combined multimodal transport

Recommended For:

  • Importers and exporters
  • Logistics and freight forwarding companies
  • Commercial enterprises
  • Manufacturers transporting their goods
  • Senders and receivers of high-value goods

Under the Warsaw Convention and the CMR Convention, carriers' liability is limited—in the event of damage, you might only receive a fraction of the actual value of the goods. Cargo insurance provides true protection!

How We Help

Our corporate insurance experts analyze your transport operations—including the type of goods, their value, transit modes, and routes—to recommend the most suitable cargo insurance solution. Request a free consultation today!

Construction and Erection All Risks Insurance – Protect Your Investment Throughout the Project

Construction and installation projects carry high risks by nature. Damage to building materials, natural disasters, fires, theft, workplace accidents, and damage caused to third parties can all lead to severe financial losses, delays, or even bankruptcy. Construction and Erection All Risks (CAR/EAR) insurance is what protects your investment.

Who Is This Insurance For?

  • Investors and clients
  • General contractors and construction companies
  • Subcontractors
  • Trade contractors (electricians, plumbers, mechanical engineers)
  • Real estate developers

What Does It Cover?

Erection and Material Damage Coverage

Accidental damage (fire, storm, flood, vandalism, theft, operator error) to materials, structures, and equipment stored or incorporated at the construction site.

Liability Coverage

Bodily injury and property damage caused to third parties as a result of construction activities.

Coverage for Existing Buildings

Protection if existing structures or building parts are damaged during renovation or expansion.

Protection of On-Site Property

Insurance for machinery, tools, and equipment located at the construction site.

Is It Mandatory?

In certain cases—such as for bank financing or as a tender requirement—taking out construction insurance is mandatory. In other cases, while not legally required, it is highly recommended.

A single storm or fire at a construction site can delay the entire project and cost millions. In contrast, construction insurance provides comprehensive protection for the full duration of the project!

How We Help

Our corporate insurance advisors evaluate the specific details of your project—its value, location, and expected duration—and prepare a personalized proposal. Request a free consultation today!