Unversicherte Schäden und Eigenrisiko
Definition
German courts hold individuals fully liable, leading to substantial personal payouts for uninsured damages like fires, floods, or injuries in guest properties. Policies cap coverage but deductibles create consistent micro-losses.
Key Findings
- Financial Impact: €100 deductible per claim; full exposure €5M-€60M per event without insurance
- Frequency: Per claim (1-5/year in guest operations)
- Root Cause: Manual claim handling and policy lapses
Why This Matters
This pain point represents a significant opportunity for B2B solutions targeting Bed-and-Breakfasts, Hostels, Homestays.
Affected Stakeholders
Solo operators, Small B&B owners
Deep Analysis (Premium)
Financial Impact
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Current Workarounds
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Methodology & Sources
Data collected via OSINT from regulatory filings, industry audits, and verified case studies.
Related Business Risks
Kosten für Haftpflichtversicherung in Gastgewerbe
Nacharbeitskosten durch Inspektionsfehler
Gästeabbruch durch Zimmerverzögerungen
Kartendiebstahl und ungültige OTA-Zahlungsdaten
GoBD-Verstoß durch unstrukturierte Rechnungen aus Zahlungen
Kapazitätsverlust durch Putzengpässe
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