{"id":2218,"date":"2023-07-26T11:34:31","date_gmt":"2023-07-26T09:34:31","guid":{"rendered":"https:\/\/www.assurances-rmt.fr\/?page_id=2218"},"modified":"2025-06-18T13:18:56","modified_gmt":"2025-06-18T11:18:56","slug":"sach-und-haftpflichtversicherungen","status":"publish","type":"page","link":"https:\/\/www.assurances-rmt.fr\/de\/unsere-versicherungsloesungen\/sach-und-haftpflichtversicherungen\/","title":{"rendered":"Sach- und Haftpflichtversicherungen"},"content":{"rendered":"\n<section class=\"hero js-hero \" style=\"--hero-bg-image: url(https:\/\/www.assurances-rmt.fr\/app\/uploads\/2023\/08\/strasbourg.png)\">\n    <div class=\"grid-container\">\n        <div class=\"hero__content\">\n                            <div class=\"breadcrumbs hero__breadcrumbs\"><span><span><a href=\"https:\/\/www.assurances-rmt.fr\/de\/\">Startseite<\/a><\/span><\/span><\/div>\n                        \n\n    <h1 class=\"title-double title-double--white\">\n                <span class=\"title-double__line1\">Unsere Versicherungsl\u00f6sungen<\/span>\n                <span class=\"title-double__line2\">Sach- und Haftpflichtversicherungen<\/span>\n        <\/h1>\n                                <\/div>\n    <\/div>\n    <a class=\"hero__scroll js-scroll\" href=\"#\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\" class=\"picto\">\n<g id=\"scroll\" clip-path=\"url(#clip0_22_126)\">\n<g id=\"Groupe_19664\">\n<path id=\"Trac&#xC3;&#xA9;_4302\" d=\"M27.1501 16.007C27.1501 17.707 27.1501 19.507 27.1501 21.207C26.9501 27.407 21.7501 32.207 15.5501 31.907C10.4501 31.707 6.05009 28.007 5.05009 23.007C4.95009 22.407 4.85011 21.807 4.85011 21.107C4.85011 17.707 4.75011 14.307 4.85011 10.907C4.95011 4.70702 10.0501 -0.192979 16.1501 -0.0929787C21.4501 0.0070213 26.0501 3.907 26.9501 9.107C27.0501 9.807 27.1501 10.507 27.1501 11.207C27.1501 12.907 27.1501 14.507 27.1501 16.007ZM6.45008 16.007C6.45008 17.507 6.45008 19.007 6.45008 20.607C6.45008 21.207 6.55009 21.807 6.55009 22.507C7.45009 27.707 12.3501 31.207 17.6501 30.307C22.2501 29.507 25.6501 25.507 25.5501 20.807C25.5501 17.707 25.5501 14.507 25.5501 11.407C25.5501 10.807 25.4501 10.307 25.4501 9.70701C24.5501 4.50701 19.6501 1.00702 14.4501 1.80702C9.75008 2.60702 6.45008 6.60702 6.45008 11.407C6.45008 12.907 6.45008 14.407 6.45008 16.007Z\" fill=\"black\"\/>\n<path id=\"Trac&#xC3;&#xA9;_4303\" d=\"M15.1501 4.80701H16.7502V13.107L20.1501 9.707L21.2501 10.907C21.2501 10.907 21.1502 11.007 21.0502 11.107C19.6502 12.507 18.1502 14.007 16.7502 15.407C16.2502 15.907 15.8502 16.007 15.2502 15.407C13.7502 13.907 12.2502 12.407 10.7502 10.907L10.6501 10.807L11.7502 9.707L15.0501 13.007L15.1501 12.907V4.80701Z\" fill=\"black\"\/>\n<\/g>\n<\/g>\n<defs>\n<clipPath id=\"clip0_22_126\">\n<rect width=\"32\" height=\"32\" fill=\"black\"\/>\n<\/clipPath>\n<\/defs>\n<\/svg>\n<\/a>\n<\/section>\n\n\n\n\n\n\n\n<section class=\"section--color-white section--align-wide-content section--padding-medium section\" id=\"\" style=\"\">\n    <div class=\"grid-container\">\n<div class=\"grid-text-media\">\n\n<div class=\"grid-text-media-image\">\n    <div class=\"grid-text-media-image__item\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/www.assurances-rmt.fr\/app\/uploads\/2023\/08\/bureaubatiment.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.assurances-rmt.fr\/app\/uploads\/2023\/08\/bureaubatiment.png 1024w, https:\/\/www.assurances-rmt.fr\/app\/uploads\/2023\/08\/bureaubatiment-300x200.png 300w, https:\/\/www.assurances-rmt.fr\/app\/uploads\/2023\/08\/bureaubatiment-768x513.png 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\n    <\/div>\n<\/div>\n\n\n<div class=\"grid-text-media-text\">\n    <div class=\"grid-text-media-text__content\">\n\n<h2 class=\"wp-block-heading\">Was ist eine Sachversicherung?<\/h2>\n\n\n\n<p>Von Produktionsmitteln \u00fcber Geb\u00e4ude und Computersysteme bis hin zu Fahrzeugen: Sachversicherungen decken die Verm\u00f6genswerte, die f\u00fcr den Betrieb und Bestand Ihres Unternehmens von entscheidender Bedeutung sind. Denn werden sie versehentlich besch\u00e4digt, zerst\u00f6rt oder gestohlen, k\u00f6nnen die Kosten f\u00fcr Reparatur oder Wiederbeschaffung so betr\u00e4chtlich ausfallen, dass Ihr Gesch\u00e4ft ernsthaft gef\u00e4hrdet ist.<\/p>\n\n\n\n<p>Mit einer Sachversicherung k\u00f6nnen Sie Ihr gesamtes Eigentum gegen unterschiedliche Risiken absichern.<\/p>\n\n<\/div>\n<\/div>\n\n<\/div>\n\n<\/div>\n<\/section>\n\n\n\n\n\n\n\n<section class=\"section--color-secondary_background section--align-wide-content section--padding-medium section\" id=\"\" style=\"\">\n    <div class=\"grid-container\">\n<div class=\"grid-text-media\">\n<div class=\"grid-text-media-text\">\n    <div class=\"grid-text-media-text__content\">\n\n<h2 class=\"wp-block-heading has-text-align-right\">Sachversicherungen von RMT<\/h2>\n\n\n\n<p class=\"has-text-align-right\">Sch\u00fctzen Sie Ihren Betrieb mit Unterst\u00fctzung der Fachleute von RMT. Unabh\u00e4ngig von Gr\u00f6\u00dfe und Branche Ihres Unternehmens analysiert unser Expertenteam Ihren individuellen Bedarf und ermittelt die Risiken, gegen die Sie und Ihr Unternehmen abgesichert sein sollten.<\/p>\n\n\n\n<p class=\"has-text-align-right\">Dabei ist es unser Anspruch, optimalen Schutz f\u00fcr jedes Setting zu garantieren. Seit 1994 betreuen wir Unternehmen, K\u00f6rperschaften, Industriebetriebe und Freiberufler bei der Versicherung ihrer G\u00fcter und der Abwicklung ihrer Schadensf\u00e4lle.<\/p>\n\n<\/div>\n<\/div>\n\n\n\n<div class=\"grid-text-media-image\">\n    <div class=\"grid-text-media-image__item\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/www.assurances-rmt.fr\/app\/uploads\/2023\/08\/batimentappel.png\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/www.assurances-rmt.fr\/app\/uploads\/2023\/08\/batimentappel.png 1024w, https:\/\/www.assurances-rmt.fr\/app\/uploads\/2023\/08\/batimentappel-300x200.png 300w, https:\/\/www.assurances-rmt.fr\/app\/uploads\/2023\/08\/batimentappel-768x513.png 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\n    <\/div>\n<\/div>\n\n<\/div>\n\n<\/div>\n<\/section>\n\n\n\n\n\n\n\n<section class=\"section--color-white section--align-wide-small section--padding-medium section\" id=\"\" style=\"\">\n    <div class=\"grid-container\">\n\n<h2 class=\"wp-block-heading has-text-align-center\">Unsere Versicherungsl\u00f6sungen<\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-primary-color has-text-color\">Sicherheit f\u00fcr Ihr Unternehmen<\/h3>\n\n\n<div class=\"faq\">\n\n<div class=\"faq-item js-faq-item\">\n    <div class=\"faq-item__header js-faq-item-header\">\n        <div class=\"faq-item__picto\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\" class=\"picto\">\n<g id=\"rmt_batiment\">\n<path id=\"Vector\" d=\"M30.2399 10.61V6.53C30.2399 6.04 30.1699 5.94 29.7299 5.77C24.8599 3.96 19.9899 2.16 15.1099 0.350004C14.9099 0.250004 14.6799 0.240004 14.4699 0.330004C14.3199 0.490004 14.2399 0.710004 14.2699 0.930004V1.94C14.2699 3.97 14.2699 6 14.2699 8.02C14.2999 8.29 14.1399 8.54 13.8799 8.62C12.0299 9.44 10.1699 10.26 8.31992 11.08C6.28992 11.98 4.25993 12.88 2.21993 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fill=\"black\"\/>\n<\/g>\n<\/svg>\n\n        <\/div>\n        <h4 class=\"faq-item__title\">Betriebshaftpflicht<\/h4>\n        <div class=\"faq-item__action\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\" class=\"picto\">\n<g id=\"chevron-down\">\n<path id=\"Vector\" d=\"M21.724 12.3907L16 18.1147L10.276 12.3907L8.39062 14.276L16 21.8853L23.6093 14.276L21.724 12.3907Z\" fill=\"black\"\/>\n<\/g>\n<\/svg>\n\n        <\/div>\n            <\/div>\n    <div class=\"faq-item__text\">\n        <div class=\"faq-item__text-inner\">\n\n<p>Im Rahmen Ihrer Gesch\u00e4ftst\u00e4tigkeit kann es vorkommen, dass Ihr Unternehmen oder Mitarbeitende Ihres Unternehmens Dritten Schaden zuf\u00fcgen. Daraus resultieren nicht selten Anspr\u00fcche mit hohen Kosten, die die Fortf\u00fchrung Ihres Unternehmens gef\u00e4hrden.<\/p>\n\n\n\n<p>Eine Betriebshaftpflichtversicherung sichert den Fortbestand Ihres Unternehmens. Sie deckt die finanziellen Folgen von Personen- und Sachsch\u00e4den oder immateriellen Sch\u00e4den ab, die Dritten gegen\u00fcber im Rahmen Ihrer beruflichen T\u00e4tigkeit entstehen.<\/p>\n\n\n\n<p>Der Abschluss einer Betriebshaftpflichtversicherung ist in Frankreich f\u00fcr bestimmte Arten von Unternehmen verpflichtend:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bauunternehmen unterliegen der Pflicht, eine Haftpflichtversicherung mit einer Gew\u00e4hrleistung von zehn Jahren abzuschlie\u00dfen (\u201eresponsabilit\u00e9 civile d\u00e9cennale\u201c).<\/li>\n\n\n\n<li>Transportunternehmen m\u00fcssen eine Betriebshaftpflichtversicherung gegen Sch\u00e4den abschlie\u00dfen, die Dritten bei der Aus\u00fcbung ihrer T\u00e4tigkeit zugef\u00fcgt werden;<\/li>\n\n\n\n<li>Auch s\u00e4mtliche reglementierten Berufe m\u00fcssen zwingend eine Berufshaftpflichtversicherung abschlie\u00dfen.<\/li>\n<\/ul>\n\n\n\n<p>Gerne \u00fcberpr\u00fcfen wir f\u00fcr Sie, welche rechtlichen und 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25.7901 17.46 25.8201 17.44C25.8501 17.42 25.8801 17.4 25.9001 17.38C25.9301 17.35 25.9701 17.33 26.0001 17.3C26.0301 17.28 26.0501 17.26 26.0801 17.23C26.1101 17.2 26.1401 17.17 26.1801 17.15C26.2101 17.13 26.2301 17.1 26.2601 17.08C26.2801 17.06 26.3101 17.04 26.3301 17.01L26.8801 19.71L23.4001 29.78L23.4401 29.77Z\" fill=\"black\"\/>\n<\/g>\n<\/svg>\n\n        <\/div>\n        <h4 class=\"faq-item__title\">Zivilrechtliche Haftung von F\u00fchrungskr\u00e4ften (D&#038;O-Versicherung)<\/h4>\n        <div class=\"faq-item__action\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\" class=\"picto\">\n<g id=\"chevron-down\">\n<path id=\"Vector\" d=\"M21.724 12.3907L16 18.1147L10.276 12.3907L8.39062 14.276L16 21.8853L23.6093 14.276L21.724 12.3907Z\" fill=\"black\"\/>\n<\/g>\n<\/svg>\n\n        <\/div>\n            <\/div>\n    <div class=\"faq-item__text\">\n        <div class=\"faq-item__text-inner\">\n\n<p>RMT sch\u00fctzt nicht nur Ihr Unternehmen, sondern auch dessen Management. F\u00fchrungskr\u00e4fte treffen Tag f\u00fcr Tag Entscheidungen, aus denen pers\u00f6nliche Haftungsanspr\u00fcche entstehen k\u00f6nnen. Eine D&amp;O-Versicherung (Directors and Officers) deckt diese Risiken ab und sch\u00fctzt so die Familie und das pers\u00f6nliche Verm\u00f6gen Ihrer F\u00fchrungskr\u00e4fte. Damit Sie sich mit Sicherheit auf Ihre Leitungsaufgaben konzentrieren k\u00f6nnen, \u00fcbernimmt die D&amp;O-Versicherung Rechtsberatungs- und Prozesskosten.<\/p>\n\n<\/div>\n    <\/div>\n<\/div>\n\n\n\n<div class=\"faq-item js-faq-item\">\n    <div class=\"faq-item__header js-faq-item-header\">\n        <div class=\"faq-item__picto\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\" class=\"picto\">\n<g id=\"rmt_bouclier\">\n<path id=\"Vector\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M15.9 26.33C6.38003 24.03 6.40003 18.62 6.43003 10.68C6.43003 9.65 6.43003 8.57 6.43003 7.45C6.43003 7.2 6.47003 6.97 6.55003 6.76C6.64003 6.55 6.76003 6.35 6.93003 6.18C7.10003 6.01 7.29003 5.87 7.51003 5.79C7.72003 5.7 7.95003 5.66 8.19003 5.66H23.81C24.05 5.66 24.28 5.7 24.49 5.79C24.7 5.88 24.89 6.01 25.07 6.18C25.24 6.35 25.37 6.55 25.45 6.76C25.54 6.97 25.58 7.2 25.57 7.45C25.55 8.57 25.56 9.65 25.57 10.69C25.6 18.63 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fill=\"black\"\/>\n<\/g>\n<\/svg>\n\n        <\/div>\n            <\/div>\n    <div class=\"faq-item__text\">\n        <div class=\"faq-item__text-inner\">\n\n<p>Brand, Diebstahl, Elementarsch\u00e4den, Naturkatastrophen, Maschinenbruch &#8230; Ihr Unternehmen ist t\u00e4glich zahlreichen Risiken ausgesetzt. Mit einer umfassenden gewerblichen Inhaltsversicherung sichern Sie den Fortbestand Ihres Unternehmens.<\/p>\n\n\n\n<p>Eine Inhaltsversicherung sch\u00fctzt Sie gegen Vorf\u00e4lle, die zu einer vollst\u00e4ndigen oder teilweisen Unterbrechung Ihrer T\u00e4tigkeit f\u00fchren und Ihrem Unternehmen materielle und finanzielle Verluste zuf\u00fcgen k\u00f6nnen. Diese \u201eAll-in-One\u201c-Versicherung deckt R\u00e4umlichkeiten, Material, Ausr\u00fcstungen und Waren zugleich ab. Der Versicherungsschutz l\u00e4sst sich f\u00fcr jede Art von Branche und T\u00e4tigkeit individuell anpassen und beinhaltet auch die materiellen und finanziellen Verluste, die durch eine Unterbrechung der T\u00e4tigkeit aufgrund eines der versicherten Ereignisse verursacht werden.<\/p>\n\n<\/div>\n    <\/div>\n<\/div>\n\n\n\n<div class=\"faq-item js-faq-item\">\n    <div class=\"faq-item__header js-faq-item-header\">\n        <div class=\"faq-item__picto\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\" class=\"picto\">\n<g clip-path=\"url(#clip0_304_9752)\">\n<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M11.8599 14.42L8.42989 10.99L7.16989 11.04C7.05989 11.04 6.95989 11 6.89989 10.92L3.19989 6.37999C3.08989 6.23999 3.09989 6.04999 3.22989 5.92999L5.20989 3.94999C5.32989 3.82999 5.52989 3.81999 5.65989 3.92999L10.1999 7.62999C10.2899 7.69999 10.3299 7.79999 10.3199 7.89999L10.2599 9.15999L13.6899 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class=\"faq-item__text-inner\">\n\n<p>Ihre Maschinen, Ausr\u00fcstungen und Materialien sind f\u00fcr den Betrieb Ihres Unternehmens unentbehrlich und sollten deshalb angemessen versichert sein.<\/p>\n\n\n\n<p>Eine Maschinenbruchversicherung versichert alle Arten von Maschinen gegen versehentliche Sch\u00e4den, die w\u00e4hrend des Betriebs, beim Transport, beim R\u00fcsten oder Best\u00fccken auftreten k\u00f6nnen.<\/p>\n\n\n\n<p>Diese Art von Versicherungsschutz erm\u00f6glicht es Ihnen, den Betrieb Ihres Unternehmens aufrechtzuerhalten, indem die Kosten f\u00fcr den Ersatz oder die Wiederherstellung der besch\u00e4digten Ger\u00e4te \u00fcbernommen werden. Dar\u00fcber hinaus kann die Deckung auf Betriebsverluste aufgrund von Ausf\u00e4llen erweitert werden.<\/p>\n\n<\/div>\n    <\/div>\n<\/div>\n\n\n\n<div class=\"faq-item js-faq-item\">\n    <div class=\"faq-item__header js-faq-item-header\">\n        <div class=\"faq-item__picto\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\" class=\"picto\">\n<g id=\"rmt_juridique\">\n<g id=\"Group\">\n<path id=\"Vector\" d=\"M22.3001 12.4C22.5001 12.6 22.7001 12.6 22.9001 12.6C23.1001 12.6 23.3001 12.5 23.5001 12.4L25.0001 10.9C25.2001 10.7 25.2001 10.5 25.2001 10.3C25.2001 10.1 25.1001 9.90001 25.0001 9.70001L17.0001 1.80001C16.8001 1.60001 16.6001 1.60001 16.4001 1.60001C16.2001 1.60001 16.0001 1.70001 15.8001 1.80001L14.3001 3.30001C14.1001 3.50001 14.1001 3.70001 14.1001 3.90001C14.1001 4.10001 14.2001 4.30001 14.3001 4.50001L22.3001 12.4ZM16.4001 2.40001L24.3001 10.3L22.9001 11.7L15.0001 3.80001L16.4001 2.40001Z\" fill=\"black\"\/>\n<path id=\"Vector_2\" d=\"M4.7001 14L12.6001 21.9C12.8001 22.1 13.0001 22.1 13.2001 22.1C13.4001 22.1 13.6001 22 13.8001 21.9L15.3001 20.4C15.5001 20.2 15.5001 20 15.5001 19.8C15.5001 19.6 15.4001 19.4 15.3001 19.2L7.4001 11.3C7.2001 11.1 7.0001 11.1 6.8001 11.1C6.6001 11.1 6.4001 11.2 6.2001 11.3L4.7001 12.8C4.4001 13.2 4.4001 13.7 4.7001 14ZM6.8001 12L14.7001 19.9L13.3001 21.3L5.4001 13.4L6.8001 12Z\" fill=\"black\"\/>\n<path id=\"Vector_3\" d=\"M14.3 17.1L14.9 17.7C16.1 15.3 18.2 13.2 20.6 12L20 11.4C17.7 12.7 15.6 14.8 14.3 17.1Z\" fill=\"black\"\/>\n<path id=\"Vector_4\" d=\"M15.3 6.6L14.7 6C13.5 8.4 11.4 10.5 9 11.7L9.6 12.3C11.9 11 14 9 15.3 6.6Z\" fill=\"black\"\/>\n<path id=\"Vector_5\" d=\"M29.8 23.4L20 13.6C19.8 13.8 19.5 13.9 19.3 14.1L29.2 24C29.5 24.3 29.7 24.7 29.7 25.1C29.7 25.5 29.5 25.9 29.2 26.2C28.9 26.5 28.5 26.7 28.1 26.7C27.7 26.7 27.3 26.5 27 26.2L17 16.3C16.8 16.5 16.6 16.8 16.5 17L26.3 26.8C26.8 27.3 27.4 27.5 28 27.5C28.6 27.5 29.2 27.2 29.7 26.8C30.2 26.3 30.4 25.7 30.4 25.1C30.4 24.5 30.2 23.9 29.8 23.4Z\" fill=\"black\"\/>\n<path id=\"Vector_6\" d=\"M3.80015 28.2H18.4001C18.6001 28.2 18.8001 28 18.8001 27.8C18.8001 27.6 18.6001 27.4 18.4001 27.4H3.80015C3.60015 27.4 3.40015 27.6 3.40015 27.8C3.40015 28 3.50015 28.2 3.80015 28.2Z\" fill=\"black\"\/>\n<path id=\"Vector_7\" d=\"M20.2001 29.6H2.0001C1.8001 29.6 1.6001 29.8 1.6001 30C1.6001 30.2 1.8001 30.4 2.0001 30.4H20.2001C20.4001 30.4 20.6001 30.2 20.6001 30C20.6001 29.8 20.4001 29.6 20.2001 29.6Z\" fill=\"black\"\/>\n<\/g>\n<\/g>\n<\/svg>\n\n        <\/div>\n        <h4 class=\"faq-item__title\">Rechtsschutz<\/h4>\n        <div class=\"faq-item__action\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\" class=\"picto\">\n<g id=\"chevron-down\">\n<path id=\"Vector\" d=\"M21.724 12.3907L16 18.1147L10.276 12.3907L8.39062 14.276L16 21.8853L23.6093 14.276L21.724 12.3907Z\" fill=\"black\"\/>\n<\/g>\n<\/svg>\n\n        <\/div>\n            <\/div>\n    <div class=\"faq-item__text\">\n        <div class=\"faq-item__text-inner\">\n\n<p>Im Rahmen Ihrer beruflichen T\u00e4tigkeit kann es vorkommen, dass Sie mit Rechtsstreitigkeiten konfrontiert werden.<\/p>\n\n\n\n<p>Eine Rechtsschutzversicherung \u00fcbernimmt Ihre Verfahrens- und Anwaltskosten. Dazu geh\u00f6ren auch der Rechtsbeistand bei Streitigkeiten, die w\u00e4hrend der Aus\u00fcbung Ihrer beruflichen T\u00e4tigkeit entstehen und bei denen Ihr Unternehmen mit Kunden, Mitarbeitenden, Lieferanten, Mitbewerbern oder sonstigen Dritten in Konflikt ger\u00e4t.<\/p>\n\n<\/div>\n    <\/div>\n<\/div>\n\n\n\n<div class=\"faq-item js-faq-item\">\n    <div class=\"faq-item__header js-faq-item-header\">\n        <div class=\"faq-item__picto\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\" class=\"picto\">\n<g clip-path=\"url(#clip0_304_9737)\">\n<path d=\"M14.67 23.19H14.07V21.41C14.07 20.67 13.79 19.98 13.27 19.45L8.91 14.99C8.53 14.61 8.03 14.39 7.49 14.39H7.48C7.1 14.39 6.75 14.5 6.44 14.69V10.03C6.44 8.86 5.49 7.91 4.32 7.91C3.59 7.91 3 8.5 3 9.23V15.55C3 16.29 3.3 17.02 3.83 17.55L8.42 22.14C8.6 22.32 8.7 22.56 8.7 22.82V23.18H8.07C7.79 23.18 7.57 23.4 7.57 23.68V27.15C7.57 27.43 7.79 27.65 8.07 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id=\"chevron-down\">\n<path id=\"Vector\" d=\"M21.724 12.3907L16 18.1147L10.276 12.3907L8.39062 14.276L16 21.8853L23.6093 14.276L21.724 12.3907Z\" fill=\"black\"\/>\n<\/g>\n<\/svg>\n\n        <\/div>\n            <\/div>\n    <div class=\"faq-item__text\">\n        <div class=\"faq-item__text-inner\">\n\n<p>Eine Vollkasko-Kfz-Haftpflichtversicherung ist f\u00fcr jedes Unternehmen, das f\u00fcr die Aus\u00fcbung seiner T\u00e4tigkeit eigene oder fremde Fahrzeuge nutzt, eine Selbstverst\u00e4ndlichkeit.<\/p>\n\n\n\n<p>Mit einer Kfz-Flottenversicherung versichern Sie Ihren gesamten Fuhrpark mit nur einem einzigen Vertrag und profitieren gleichzeitig von unserem individuellen Kundenservice: Zus\u00e4tzlich zu unserer Beratung bieten wir Schulungen an, zum Beispiel dazu, wie Sie einen Unfallbericht korrekt erstellen, denn in Frankreich sind Unfallberichte die Grundlage f\u00fcr die Zuweisung der Verantwortlichkeiten, d.h. sie sind sehr wichtig f\u00fcr die Schadensquote der Flotte.<\/p>\n\n\n\n<p>F\u00fcr unsere \u00d6PV-Kunden wie f\u00fcr unsere Privatkunden (ab einer bestimmten Flottengr\u00f6\u00dfe) erstellen wir au\u00dferdem eine Unfallbilanz, an der Sie bereits vorhandene interne Pr\u00e4ventionsma\u00dfnahmen ausrichten bzw. im Bedarfsfall anpassen k\u00f6nnen.<\/p>\n\n\n\n<p>Nat\u00fcrlich k\u00f6nnen Sie die Firmenfahrzeuge Ihres Unternehmens auch durch Einzelvertr\u00e4ge anstatt durch einen Flottenvertrag versichern. Im Allgemeinen spricht man ab f\u00fcnf Fahrzeugen von einer Fahrzeugflotte. Unterhalb dieser Grenze brauchen Sie f\u00fcr jedes einzelne Fahrzeug einen eigenen Vertrag \u00fcber eine gewerbliche Kfz-Versicherung.<\/p>\n\n<\/div>\n    <\/div>\n<\/div>\n\n\n\n<div class=\"faq-item js-faq-item\">\n    <div class=\"faq-item__header js-faq-item-header\">\n        <div class=\"faq-item__picto\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\" class=\"picto\">\n<g id=\"rmt_homme\">\n<path id=\"Vector\" d=\"M25.48 20.97C24.41 20.16 22.84 19.52 20.95 19.12L20.16 18.63C20.09 18.22 20.03 17.41 19.99 16.81V16.72C19.97 16.55 19.96 16.4 19.95 16.26C20.08 16.11 20.21 15.96 20.33 15.8C20.91 15.07 21.38 14.21 21.71 13.33C21.96 12.65 22.12 11.96 22.18 11.27C22.2 11.07 22.21 10.87 22.21 10.63V10.43V10.27C22.21 9.82 22.21 9.46 22.22 9.1C22.26 6.9 22.29 5.01 21.06 3.76C20.1 2.78 18.49 2.33 16.01 2.33C13.53 2.33 11.92 2.79 10.96 3.76C9.73 5.01 9.76 6.91 9.8 9.11C9.8 9.46 9.81 9.82 9.81 10.27C9.81 10.36 9.81 10.47 9.81 10.54C9.81 10.57 9.81 10.6 9.81 10.68C9.81 11.55 9.98 12.44 10.3 13.34C10.62 14.22 11.1 15.08 11.67 15.81C11.79 15.96 11.91 16.1 12.03 16.24L12 16.71C11.97 17.35 11.92 18.2 11.85 18.62L11.05 19.14C9.15 19.54 7.59 20.18 6.51 20.98C5.34 21.86 4.75 22.91 4.75 24.11V27.79C4.75 28.29 4.94 28.76 5.3 29.12L5.38 29.19C5.72 29.5 6.17 29.67 6.63 29.67H25.34C25.84 29.67 26.31 29.47 26.67 29.12C27.02 28.76 27.22 28.29 27.22 27.79V24.11C27.22 22.9 26.63 21.85 25.46 20.97H25.48ZM25.36 28.63H17.21L17.53 28.06C17.81 27.55 18.05 27.13 18.28 26.73C19.43 24.69 20.27 23.2 21.12 20.23C22.69 20.6 23.98 21.14 24.86 21.81C25.75 22.48 26.2 23.26 26.2 24.12V27.8C26.2 28.02 26.11 28.23 25.95 28.39C25.79 28.55 25.58 28.64 25.36 28.64V28.63ZM16 3.37C18.08 3.37 19.46 3.75 20.23 4.52C20.7 4.99 20.94 5.59 21.07 6.36C20.73 6 20.29 5.83 19.74 5.83H19.72C19.23 5.83 18.72 5.97 18.17 6.11C17.48 6.29 16.77 6.48 16 6.48C15.23 6.48 14.48 6.28 13.81 6.11C13.27 5.97 12.76 5.83 12.28 5.83H12.26C11.7 5.83 11.27 6 10.93 6.36C11.05 5.59 11.3 5 11.77 4.52C12.54 3.75 13.92 3.37 16 3.37ZM11.19 9.94C11.26 9.68 11.3 9.42 11.33 9.12C11.35 8.88 11.36 8.64 11.36 8.4C11.36 8.15 11.37 7.87 11.41 7.64C11.45 7.43 11.51 7.27 11.62 7.14C11.77 6.95 11.97 6.85 12.27 6.86C12.62 6.86 13.06 6.98 13.5 7.09L13.58 7.11C14.29 7.3 15.09 7.51 16 7.51C16.91 7.51 17.72 7.3 18.38 7.11H18.44C18.92 6.97 19.37 6.85 19.73 6.85C20.02 6.85 20.21 6.93 20.37 7.13C20.48 7.27 20.54 7.43 20.58 7.64C20.62 7.85 20.63 8.1 20.63 8.4C20.63 8.64 20.64 8.89 20.66 9.12C20.68 9.41 20.73 9.68 20.8 9.94L21.11 11.26C21.05 11.82 20.92 12.4 20.71 12.97C20.42 13.75 20 14.51 19.5 15.15C18.98 15.81 18.38 16.34 17.77 16.7C16.57 17.39 15.43 17.39 14.22 16.7C13.78 16.44 13.35 16.1 12.95 15.68L12.92 15.65C12.77 15.49 12.63 15.32 12.49 15.15C11.98 14.5 11.56 13.74 11.28 12.96C11.07 12.39 10.94 11.82 10.88 11.25L11.19 9.93V9.94ZM17.15 23.62C17.32 23.62 17.42 23.57 17.52 23.47L19.64 21.42C18.98 23.34 18.28 24.58 17.37 26.19V26.11C17.25 25.3 17.14 24.49 17.03 23.6C17.07 23.61 17.11 23.62 17.16 23.62H17.15ZM17.28 22.25L16.73 21.25L19.68 19.57L19.91 19.71L17.28 22.25ZM16.18 22.41L16.07 22.69C16.07 22.69 16.04 22.74 16.03 22.76C16.03 22.74 16.02 22.73 16.01 22.72L15.88 22.4L16.03 22.13L16.18 22.4V22.41ZM14.7 26.13L14.68 26.3L14.63 26.21C13.71 24.58 13.01 23.34 12.34 21.38L14.54 23.48C14.64 23.57 14.76 23.63 14.9 23.63C14.94 23.63 14.99 23.63 15.04 23.61C14.93 24.52 14.82 25.33 14.71 26.13H14.7ZM15.32 21.25L14.77 22.25L12.1 19.69L12.34 19.53L15.33 21.24L15.32 21.25ZM19.1 18.69L16.02 20.45L12.89 18.66C12.95 18.24 12.99 17.66 13.02 17.15C13.24 17.32 13.46 17.47 13.69 17.6C15.21 18.48 16.75 18.48 18.28 17.6C18.5 17.47 18.73 17.32 18.94 17.15C18.98 17.71 19.03 18.27 19.09 18.68L19.1 18.69ZM14.53 28.16L14.79 28.62H6.65C6.43 28.62 6.22 28.53 6.06 28.37C5.9 28.21 5.81 28 5.81 27.78V24.1C5.81 23.24 6.26 22.47 7.15 21.8C8.03 21.14 9.32 20.6 10.89 20.23C11.74 23.19 12.57 24.67 13.73 26.72C13.97 27.14 14.23 27.6 14.54 28.16H14.53ZM15.75 26.13C15.84 25.46 15.93 24.78 16.02 24.07C16.11 24.82 16.21 25.53 16.31 26.25L16.51 27.7L15.99 28.62L15.53 27.8L15.75 26.13Z\" fill=\"black\"\/>\n<\/g>\n<\/svg>\n\n        <\/div>\n        <h4 class=\"faq-item__title\"> Dienstreise-Kraftfahrtversicherung<\/h4>\n        <div class=\"faq-item__action\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\" class=\"picto\">\n<g id=\"chevron-down\">\n<path id=\"Vector\" d=\"M21.724 12.3907L16 18.1147L10.276 12.3907L8.39062 14.276L16 21.8853L23.6093 14.276L21.724 12.3907Z\" fill=\"black\"\/>\n<\/g>\n<\/svg>\n\n        <\/div>\n            <\/div>\n    <div class=\"faq-item__text\">\n        <div class=\"faq-item__text-inner\">\n\n<p>Als Arbeitgeber k\u00f6nnen Sie f\u00fcr einen Unfall haftbar gemacht werden, den einer Ihrer Mitarbeitenden w\u00e4hrend einer Dienstreise mit seinem eigenen Fahrzeug verursacht. Durch den Abschluss eines Vertrags f\u00fcr Dienstreisende decken Sie au\u00dferdem Sch\u00e4den an Ihren Firmenfahrzeugen ab.<\/p>\n\n<\/div>\n    <\/div>\n<\/div>\n\n\n\n<div class=\"faq-item js-faq-item\">\n    <div class=\"faq-item__header js-faq-item-header\">\n        <div class=\"faq-item__picto\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\" class=\"picto\">\n<g id=\"rmt_marchandise\">\n<path id=\"Vector\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.7701 22.49H29.8301V21.73H26.2101C26.2101 21.73 26.1601 21.73 26.1401 21.73H5.86007C5.86007 21.73 5.81007 21.73 5.79007 21.73H2.17007V22.49H13.7701ZM18.5901 3.71V9.95C18.5901 10.01 18.5701 10.07 18.5401 10.12L17.7801 11.26C17.6901 11.4 17.5101 11.43 17.3701 11.34C17.3301 11.32 17.3101 11.29 17.2801 11.26L16.7701 10.48L16.2601 11.26C16.1701 11.4 15.9901 11.43 15.8501 11.34C15.8101 11.32 15.7901 11.29 15.7601 11.26L15.2501 10.48L14.7401 11.26C14.6501 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22.955H24.0951V27.065H18.4051V22.955ZM18.6551 23.205V26.815H23.8451V23.205H18.6551ZM24.4351 22.955H28.5551V27.065H24.4351V22.955ZM24.6851 23.205V26.815H28.3051V23.205H24.6851ZM2.04507 27.405H29.9651V28.415H2.04507V27.405ZM2.29507 27.655V28.165H29.7151V27.655H2.29507Z\" fill=\"black\"\/>\n<\/g>\n<\/svg>\n\n        <\/div>\n        <h4 class=\"faq-item__title\">Warentransportversicherung<\/h4>\n        <div class=\"faq-item__action\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\" class=\"picto\">\n<g id=\"chevron-down\">\n<path id=\"Vector\" d=\"M21.724 12.3907L16 18.1147L10.276 12.3907L8.39062 14.276L16 21.8853L23.6093 14.276L21.724 12.3907Z\" fill=\"black\"\/>\n<\/g>\n<\/svg>\n\n        <\/div>\n            <\/div>\n    <div class=\"faq-item__text\">\n        <div class=\"faq-item__text-inner\">\n\n<p>W\u00e4hrend eines Transports sind Waren zahlreichen Unw\u00e4gbarkeiten ausgesetzt, von Besch\u00e4digungen \u00fcber den Verlust bis hin zum Diebstahl.<\/p>\n\n\n\n<p>Es ist daher ratsam, Waren in eigenen Transportmitteln zu versichern, aber auch in Transporten, mit denen Sie eine Spedition beauftragen, die selbst keine Haftung \u00fcbernimmt. Die Warentransportversicherung deckt Sch\u00e4den an den transportierten Produkten, Rohstoffen und Werkzeugen ab. \u00dcber den Transport hinaus kann der Versicherungsschutz zus\u00e4tzlich um die Lagerung nach Abschluss des Transports erweitert werden.<\/p>\n\n<\/div>\n    <\/div>\n<\/div>\n\n\n\n<div class=\"faq-item js-faq-item\">\n    <div class=\"faq-item__header js-faq-item-header\">\n        <div class=\"faq-item__picto\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\" class=\"picto\">\n<g id=\"rmt_ordinateur\">\n<path id=\"Vector\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M3.26992 24.22H28.7299C28.8299 24.22 28.9199 24.18 28.9899 24.11C29.0599 24.04 29.0999 23.95 29.0999 23.85V23.33C29.0999 23.23 29.0599 23.14 28.9899 23.07C28.9299 23 28.8399 22.96 28.7399 22.96H3.26992C3.16992 22.96 3.07992 23 3.00992 23.07C2.93992 23.14 2.89992 23.23 2.89992 23.33V23.85C2.89992 23.95 2.93992 24.04 3.00992 24.11C3.07992 24.17 3.16992 24.22 3.26992 24.22ZM5.16992 7.29H26.8399C27.0699 7.29 27.2799 7.38 27.4399 7.54C27.5899 7.69 27.6899 7.91 27.6899 8.14V22.5H28.7399C28.9699 22.5 29.1699 22.59 29.3199 22.73C29.3199 22.73 29.3299 22.73 29.3399 22.74C29.4899 22.89 29.5899 23.11 29.5899 23.34V23.86C29.5899 24.09 29.4899 24.31 29.3399 24.46C29.1899 24.61 28.9699 24.71 28.7399 24.71H3.26992C3.03992 24.71 2.82992 24.61 2.66992 24.46C2.51992 24.31 2.41992 24.09 2.41992 23.86V23.34C2.41992 23.11 2.50992 22.9 2.66992 22.74C2.81992 22.59 3.03992 22.49 3.26992 22.49H4.31992V8.13C4.31992 7.9 4.41992 7.69 4.56992 7.53C4.71992 7.38 4.92992 7.28 5.16992 7.28V7.29ZM26.8399 7.77H5.16992C5.06992 7.77 4.97992 7.81 4.90992 7.88C4.83992 7.95 4.79992 8.04 4.79992 8.14V22.5H27.1899V8.14C27.1899 8.04 27.1499 7.95 27.0799 7.88C27.0099 7.81 26.9199 7.77 26.8199 7.77H26.8399ZM5.78992 8.45C5.65992 8.45 5.54992 8.56 5.54992 8.69V21.56C5.54992 21.69 5.65992 21.8 5.78992 21.8H26.2199C26.3499 21.8 26.4599 21.69 26.4599 21.56V8.69C26.4599 8.56 26.3499 8.45 26.2199 8.45H5.78992ZM25.9799 8.93H6.02992V21.32H25.9699V8.93H25.9799Z\" fill=\"black\"\/>\n<path id=\"Vector (Stroke)\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M26.8199 8.02H5.16992C5.14056 8.02 5.11297 8.0305 5.0867 8.05678C5.06043 8.08305 5.04992 8.11064 5.04992 8.14V22.25H26.9399V8.14C26.9399 8.11064 26.9294 8.08305 26.9031 8.05678C26.8769 8.0305 26.8493 8.02 26.8199 8.02ZM5.41992 7.04V7.03H5.16992C4.85825 7.03 4.58609 7.16028 4.39315 7.35322L4.39305 7.35313L4.38754 7.35901C4.20207 7.55684 4.06992 7.82571 4.06992 8.13V22.24H3.26992C2.9698 22.24 2.68726 22.3691 2.49315 22.5632C2.28747 22.7689 2.16992 23.042 2.16992 23.34V23.86C2.16992 24.1601 2.29903 24.4427 2.49315 24.6368L2.49305 24.6369L2.49894 24.6424C2.69677 24.8278 2.96564 24.96 3.26992 24.96H28.7399C29.04 24.96 29.3226 24.8309 29.5167 24.6368C29.7108 24.4427 29.8399 24.1601 29.8399 23.86V23.34C29.8399 23.0399 29.7108 22.7573 29.5167 22.5632C29.4978 22.5444 29.4778 22.5294 29.4577 22.5178C29.2688 22.3548 29.0215 22.25 28.7399 22.25H27.9399V8.14C27.9399 7.83988 27.8108 7.55734 27.6167 7.36322C27.411 7.15755 27.1379 7.04 26.8399 7.04H5.41992ZM5.29992 8.69C5.29992 8.42193 5.52185 8.2 5.78992 8.2H26.2199C26.488 8.2 26.7099 8.42193 26.7099 8.69V21.56C26.7099 21.8281 26.488 22.05 26.2199 22.05H5.78992C5.52185 22.05 5.29992 21.8281 5.29992 21.56V8.69ZM26.2099 8.93H25.9799V8.7H26.2099V8.93ZM25.7199 9.18H6.27992V21.07H25.7199V9.18ZM3.26992 23.21C3.24056 23.21 3.21297 23.2205 3.1867 23.2468C3.16043 23.273 3.14992 23.3006 3.14992 23.33V23.85C3.14992 23.877 3.15882 23.9026 3.18073 23.9269C3.19927 23.9419 3.21691 23.953 3.23261 23.9601C3.25011 23.9681 3.26219 23.97 3.26992 23.97H28.7299C28.7593 23.97 28.7869 23.9595 28.8131 23.9332C28.8394 23.9069 28.8499 23.8794 28.8499 23.85V23.33C28.8499 23.3006 28.8394 23.273 28.8131 23.2468L28.8064 23.24L28.8001 23.2327C28.7913 23.2224 28.7728 23.21 28.7399 23.21H3.26992Z\" fill=\"black\"\/>\n<\/g>\n<\/svg>\n\n        <\/div>\n        <h4 class=\"faq-item__title\">Cyberversicherung<\/h4>\n        <div class=\"faq-item__action\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\" class=\"picto\">\n<g id=\"chevron-down\">\n<path id=\"Vector\" d=\"M21.724 12.3907L16 18.1147L10.276 12.3907L8.39062 14.276L16 21.8853L23.6093 14.276L21.724 12.3907Z\" fill=\"black\"\/>\n<\/g>\n<\/svg>\n\n        <\/div>\n            <\/div>\n    <div class=\"faq-item__text\">\n        <div class=\"faq-item__text-inner\">\n\n<p>Viren, Hackerangriffe, Datendiebstahl, Phishing, softwarebedingte Ausf\u00e4lle \u2013 die lange Liste der Cyberrisiken geh\u00f6rt inzwischen zum beruflichen Alltag. Angesichts der zunehmenden Digitalisierung der Unternehmen sind Daten zu \u201estrategischen Verm\u00f6genswerten\u201c und zum Ziel von Cyberbedrohungen geworden. Der Schutz von IT-Systemen und Daten ist daher f\u00fcr jede Art von Unternehmen unverzichtbar geworden.<\/p>\n\n\n\n<p>Ein erfolgreicher Hackerangriff, eine Fehlfunktion des IT-Systems oder ein Bedienungsfehler k\u00f6nnen schwerwiegende finanzielle und rechtliche Folgen nach sich ziehen und gef\u00e4hrden nicht nur die Fortsetzung Ihrer T\u00e4tigkeit, sondern schaden auch Ihrem Ruf. Eine auf Ihre Bed\u00fcrfnisse zugeschnittene Cyberversicherung grenzt Ihr Risiko von Verlusten und\/oder Sch\u00e4den verschiedenster Art deutlich ein. Sie deckt dabei nicht nur Sch\u00e4den f\u00fcr Ihr eigenes Unternehmen ab, sondern auch Sch\u00e4den und Betriebsausf\u00e4lle Dritter.<\/p>\n\n\n\n<p>Wichtig zu wissen: Im Falle eines Cyberangriffs m\u00fcssen Sie sich in Frankreich gegen\u00fcber Dritten und der Datenschutzbeh\u00f6rde (CNIL, Nationale Kommission f\u00fcr Informatik und Freiheiten) verantworten. Um die Bestimmungen der Datenschutzgrundverordnung einzuhalten, sind Sie bei Sicherheitsl\u00fccken im Zusammenhang mit personenbezogenen Daten dazu verpflichtet, die CNIL und in bestimmten F\u00e4llen auch die betroffenen Personen benachrichtigen.<\/p>\n\n<\/div>\n    <\/div>\n<\/div>\n\n\n\n<div class=\"faq-item js-faq-item\">\n    <div class=\"faq-item__header js-faq-item-header\">\n        <div class=\"faq-item__picto\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\" class=\"picto\">\n<g id=\"rmt_ecologie\">\n<path id=\"Vector (Stroke)\" fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M26.2839 23.2752C25.5797 22.3014 24.32 21.9328 23.2005 22.3633L23.199 22.3639L19.0812 23.9631C18.8097 24.0654 18.5306 24.0754 18.2719 23.9869L16.0935 23.2841C15.8307 23.1994 15.549 23.3437 15.4642 23.6065C15.3794 23.8693 15.5237 24.1511 15.7865 24.2359L17.9526 24.9346C18.452 25.1042 18.9705 25.0742 19.437 24.8976L23.5595 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4.17017C20.3666 4.13993 20.3929 4.11621 20.4114 4.09977L20.433 4.08063L20.439 4.07531L20.4408 4.07374L20.4416 4.07304C20.4417 4.07297 20.4418 4.07291 20.7701 4.45L20.4416 4.07304C20.6499 3.89171 20.9659 3.91341 21.1472 4.12167Z\" fill=\"black\"\/>\n<\/g>\n<\/svg>\n\n        <\/div>\n        <h4 class=\"faq-item__title\">Umwelthaftpflicht<\/h4>\n        <div class=\"faq-item__action\">\n            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\" fill=\"none\" class=\"picto\">\n<g id=\"chevron-down\">\n<path id=\"Vector\" d=\"M21.724 12.3907L16 18.1147L10.276 12.3907L8.39062 14.276L16 21.8853L23.6093 14.276L21.724 12.3907Z\" fill=\"black\"\/>\n<\/g>\n<\/svg>\n\n        <\/div>\n            <\/div>\n    <div class=\"faq-item__text\">\n        <div class=\"faq-item__text-inner\">\n\n<p>Durch die T\u00e4tigkeit Ihres Unternehmens k\u00f6nnen Verschmutzungen verursacht werden, die zu Sch\u00e4den der nat\u00fcrlichen und der menschlichen Umgebung f\u00fchren.<\/p>\n\n\n\n<p>In Frankreich sind Umweltsch\u00e4den im Zivilgesetzbuch und Umwelt- und Gesundheitsrisiken im Umweltgesetzbuch geregelt. Die Umwelthaftung basiert auf dem Verursacherprinzip: Jedes Unternehmen, das einen Umweltschaden verursacht, kann zur Verantwortung gezogen werden und ist verpflichtet, den entstandenen Schaden zu beheben (Gesetz 2008-757 vom 1. August 2008).<\/p>\n\n\n\n<p>Eine Umwelthaftpflichtversicherung deckt Sch\u00e4den ab, die Dritten im Rahmen des Betriebs Ihres Unternehmens zugef\u00fcgt werden, und unterst\u00fctzt Sie so dabei, alle Ihre Verpflichtungen im Bereich des Umweltrisikomanagements zu erf\u00fcllen. Pr\u00e4ventions- und Sanierungskosten sind in den Leistungen ebenso inkludiert wie ein Rechtsschutz f\u00fcr m\u00f6gliche Gerichtsverfahren.<\/p>\n\n<\/div>\n    <\/div>\n<\/div>\n\n<\/div>\n\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Sach- und Haftpflichtversicherungen decken Personen- und Sachsch\u00e4den sowie daraus resultierende Verm\u00f6genssch\u00e4den ab. Die richtige Absicherung sorgt daf\u00fcr, dass entstandene Sch\u00e4den oder Verluste ersetzt werden und der urspr\u00fcngliche Zustand wieder hergestellt wird. Vertrauen Sie auf unser Know-how und entscheiden Sie sich f\u00fcr den optimalen Schutz Ihres Unternehmenseigentums.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2223,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-2218","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Sach- und Haftpflichtversicherungen - RMT Courtier en assurances<\/title>\n<meta name=\"description\" content=\"Sach- und Haftpflichtversicherungen decken Personen- und Sachsch\u00e4den sowie daraus resultierende Verm\u00f6genssch\u00e4den ab. 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