Deutsche Verkehrs-Assekuranz-Vermittlungs-GmbH

With our product package “DVA Combined Construction, Erection and Liability Insurance®” you receive full comprehensive insurance cover. Our team of specialists consisting of lawyers, engineers and insurance experts are pleased to advise you on your risks during construction and relevant insurance needs.

Our knowledge is based on our experience of the past, having covered more than 2.500 construction projects in all areas ranging from railway infrastructure to engineering work, tunnels and bridge superstructure. Due to our expertise we are one of the leading providers of project-related insurance protection.

Your insurance interests in case of a claim are most important to us. Our team supports you from the damage survey to taking part in essential meetings and in the claim settlements, according to the terms and conditions of the insurance policy. We are your partner. Therefore you do not need to manage different insurance policies, you have one comprehensive policy that covers all your needs.

DVA Combined Construction, Erection and Liability Insurance®

One insurance policy for any incident!

With our Combined Construction, Erection and Liability Insurance® we guarantee insurance cover for everyone involved in the construction project. Due to our knowledge and experience with building and reconstruction, tunnels and various infrastructure projects of the Deutsche Bahn, we are an experienced partner for your project.

We are constantly committed in developing our products further. From 1994 up until today, we have supported construction projects with a collective value of over 100 billion Euros. Not only do our products and services provide coverage for all possible risks, they also offer you many additional benefits.

In addition to our full range of liability insurances, such as occupational, industrial, D & O, product and environmental liability insurance, our areas of service also include recall cost insurance, environmental damage, fidelity and cyber insurance. We also offer insurance coverage for mergers and transfers of companies (M & A transactions), as well as warranty & indemnity (W & I) insurance.
Our goal is to provide you with the best insurance solution for your needs. Our highly qualified team of insurance specialists, vendors and lawyers actively supports you all times.

The security of your balance, ensured through adequate risk transfer, is just as important to us as supporting you in the event of a claim, actively keeping market observations up to date, and product development.

I. Tenders and Risk Analysis

• Tailor-made insurance concepts with proprietary, fully manuscripted policy wording
• Market tenders and EU tenders, with risk placement managed by experienced, highly specialized professionals
• Advice on the structuring of contractual terms based on our internal risk assessment and premium calculation
• Strong market presence through an annual placement volume exceeding EUR 10 billion in insured property values
• Extensive expertise in property insurance markets and insurer relationships

→ The placement of large real estate portfolios is a highly complex challenge. Limited information and tight timelines are often the norm. Our specialists possess the necessary experience and maintain excellent relationships with insurers at the highest level.

→ This enables us to ensure the highest standards of quality in placing your risks, even under complex circumstances. All contract negotiations relating to tenders are coordinated centrally and documented directly by our experts.

II. Contract Management

• End-to-end coordination, from risk management and contract documentation to claims settlement
• Continuous optimization of policy terms and premiums
• Monitoring of policy obligations and renewals
• Ongoing control and updating of risk profiles
• Management of all administrative tasks, including document administration and communication with insurers
• Dedicated contract support services (preparation of information, claims statistics, risk surveys, etc.)
• Strategic insurance consulting as part of annual review meetings and acquisition due diligence
• Dedicated personal points of contact

III. Claims Management

• Complete coordination and handling of claims through a dedicated member of our claims team
• Representation of your interests and advocacy with insurers, with all communication managed through us
• Recommendations and appointment of suitable loss adjusters and experts
• On-site claims inspections
• Our claims specialists remain at your disposal until final settlement of the claim and will keep you informed of the current status throughout the process.

Motor Insurance
With DVA, you have a reliable partner by your side for all your motor insurance needs. In addition to the well-known and legally required motor third-party liability insurance, our partial and comprehensive motor insurance policies provide proven protection against unexpected financial losses. Roadside assistance coverage offers additional protection in the event of breakdowns and other unforeseen situations. Depending on your company’s requirements, we can also include driver accident protection, passenger accident insurance, and/or legal expenses coverage for drivers and traffic-related matters as part of your insurance package.

For larger fleets, we tailor terms and conditions to your specific needs. We can arrange individually negotiated rates or offer unit-based, anniversary-date, or flat-premium solutions with billing models customized to your fleet structure and requirements.

Personal Accident Insurance
An accident can represent a significant risk, not only physically but also financially. Our accident insurance provides protection in the event of disability, incapacity for work, or long-term care needs resulting from occupational accidents and, if desired, accidents occurring during leisure time as well.

We support you in designing insurance solutions that align with your risk management philosophy and any employment-related commitments made to your employees.

Legal Aid Insurance
In the field of legal expenses insurance, having a strong partner at your side is essential. We assist not only in identifying appropriate legal counsel but also in monitoring deadlines, policy coverage, and insurer obligations. In addition, we ensure that claims-related costs are handled and reimbursed correctly and efficiently.

Based on the risk analysis of your company developed jointly with you, the insurance policy concepts are tailored to your individual requirements.

Our specialized expertise in insuring railway transport companies and combined freight transport organizations is based on many years of supporting and continuously developing insurance solutions for Deutsche Bahn AG and its affiliated companies.

Hull Insurance

• Rail Hull Insurance
  Insurance for non-self-propelled rail vehicles at replacement value against damage and loss caused by specified risks.
• Container Hull Insurance
  Coverage concepts for tank containers and large containers.
• Marine and Inland Waterway Hull Insurance
  Insurance policies for seagoing and inland vessels.

Liability Insurance

Freight Forwarders' and Carriers' Liability Insurance
Coverage for your statutory and contractual liability arising from transport contracts concluded with clients and customers in the course of your business activities.

Cargo Insurance

Goods in Transit Insurance
Coverage for physical damage to transported goods based on DVA insurance terms and conditions.

Selection of Additional Transport Insurance Products
Travel baggage insurance.
Insurance coverage for exhibitions, trade fairs, events, and demonstrations.
Insurance for art exhibitions and gallery insurance.

Credit and Surety Insurance

Credit and surety insurers assume, largely without the collateral typically required in banking transactions, the risk of insolvency of their policyholders or their customers.

In addition to our domestic insurance solutions, we provide clients access to foreign markets. 

The analysis of country specifics in line with developing insurance programmes to fit your particular needs is what we do best. In addition, we take care of the coordination and monitoring of the insurers and our broker network, check our specifications for quality assurance purposes of all foreign activities. Local policies and claims management help you understand and master all tax and regulatory challenges. If needed, we assist you in determining your Total Cost of Risk through our centrally managed reporting system.

Our team of experienced professionals will support you, while managing your national and international insurance issues. In liaison with our global network of co-brokers in over 100 countries, we guarantee you a tailor-made and coordinated risk transfer.

For example, changes in the legal framework within the company pension schemes, pension reserves are effected by low interest rate phases, all pose important questions to HR.

Our experts in "Health & Benefits", gladly assist you, by analyzing your needs in order to find the best possible solution.

In addition to health care, which includes corporate/workplace health management as well as corporate/workplace health insurance, company pension schemes are an important part of our insurance services. For this, we offer all-inclusive packages aimed at helping you all along the way, from service analyses, optimization, implementation, and ongoing administration as well as employer consulting, employee consulting and advice on current developments (such as the German Act to Strengthen Occupational Pensions [Betriebsrentenstärkungsgesetz]).

With these professional consultation and advising services, balance sheet and financing risks can be reduced (keyword "de-risking"). Additionally, we offer framework conditions (discounted premiums and reduced evidence of insurability) for private insurance contracts (e.g. disability insurance, term life insurance).

For your international employees, we offer employee benefits in co-operation with our local partners. For your experts we provide you with the necessary medical insurance plans, life and disability covers and assistance services.

We also provide support for special topics, such as lifetime accounts.

The DVA Reinsurance Department was established in 1998 and has a successful track record in placing reinsurance business in the reinsurance market.

As an independent broker for facultative, proportional, and non-proportional reinsurance solutions, we are a valued business partner in the European market across the traditional lines of insurance.

Our activities began with the placement of large insurance programs for our parent company, Deutsche Bahn AG, by transferring capacity to the reinsurance market on a facultative basis. To this day, Deutsche Bahn AG and its affiliated group companies remain our core business and are regarded by the reinsurance market as attractive and sustainable partners.

Our business partners benefit from our many years of expertise in the railway sector. Naturally, we also make our know-how available for risks outside the Deutsche Bahn Group. We see ourselves as a service provider for the reinsurance business.