Graham Miranda
Hasselfelder Str. 23
38889 Blankenburg (Harz), Germany
Correo electrónico: [email protected]
Tel: +49 15678 397267
Last Updated: November 12, 2025
1. Insurance Overview
Graham Miranda is covered by comprehensive IT liability insurance.
Insurer
Markel Seguros SE
Sophienstr. 26
80333 Munich
Alemania
Phone: +49 89 205094-400
Correo electrónico: [email protected]
Website: https://www.markel.de
2. Insurance Information
Policy Number
ON.MPI.64092
Policyholder
Graham Miranda (Sole Proprietor)
Hasselfelder Straße 23
38889 Blankenburg (Harz)
Insurance Commencement
6 de octubre de 2025
Insurance Period
October 6, 2025 to October 6, 2026
Next Renewal Date
October 6, 2026
3. Insurance Coverage
Riesgos asegurados
The insurance covers the following risks:
3.1 Errors and Omissions Insurance (E&O)
Coverage Limit: €300,000
Coverage Areas:
- Errors and omissions in IT services
- Patent rights violations (up to €300,000)
- Data protection violations and GDPR liability
- Cyber security errors
- Loss of work documents
- Domain protection insurance (up to €25,000)
- Reputational damage protection
- Breach of trust by employees
Deducible: €0 (full coverage)
3.2 General Liability (GL)
Coverage Limit: €3,000,000 (combined for bodily injury and property damage)
Coverage Areas:
- Bodily injury from business operations
- Property damage from business operations
- Product liability
Annual Aggregate Limit: 3-fold insurance sum
Deducible: €0 for bodily injury, €250 per property damage claim
4. Insured Activities
Servicios informáticos
The insurance covers the following IT activities:
Desarrollo de software
- Software Developers
- Database Developers
- iPhone/Android Developers
- Java Developers
- SAP Developers
Online Services
- Internet Providers
- Web Developers
- E-Commerce and E-Banking
- SEO/SEM Consultants
- Cloud Computing Specialists
Consultoría informática
- IT Consultants / EDV Consultants
- IT Project Managers
- IT (Interim) Managers
- Data Protection Officers
Hardware and Networks
- Hardware Manufacturers and Developers
- System Administrators
- PC Technicians
- Data Centers
- Web Hosts
Additionally Insured Areas
- Management Consulting (premium-neutral)
- Media Industry (premium-neutral)
- Business Travel Rental Cars (AKB)
- Patent and Trademark Protection
Excluded Activities
The insurance does not cover:
- Financial Services (e.g., banking software, cryptocurrency)
- Medical devices used on humans
- Traffic or flight safety
- Measurement and control technology for production
5. Special Features of Insurance Coverage
Provision for New Risks
The insurance covers newly occurring risks in the service sector.
Patent Liability
Coverage Limit: up to €300,000
Compensation for patent infringements is insured.
No US Revenue Limit
Business activities in the USA and Canada are insured without revenue restrictions.
Domain Protection Insurance
Coverage Limit: up to €25,000
Covers loss of domain name rights due to third parties.
6. Coverage Limits
Principal Coverage Limits
| Coverage Component | Insurance Sum |
|---|---|
| Financial Losses (Standard) | €300,000 |
| Personal Injury and Property Damage | €3,000,000 |
| Patent Liability | €300,000 |
| Legal Expenses Insurance | €300,000 |
| Reputational Damage | €300,000 |
| Domain Protection | €25,000 |
| Fraud/Phishing | €25,000 |
| Cyber Property Damage | €100,000 |
| D&O Outside Liability | €100,000 |
| Bailment Damage | €50,000 |
Annual Aggregate Limit
The insurance sums are available three times per year (3-fold aggregated limit).
7. Deductibles
Errors and Omissions Insurance
Deducible: €0 (full coverage)
General Liability
Deducible: €0 for bodily injury, €250 per property damage claim
Cyber Property Damage
Deducible: €1,000 per cyber claim
Other Deductibles
- Property damage: €250 per claim
- Other: €250 per claim
8. Excluded Risks
Not Covered
- Intentional Damage – deliberately caused damage
- Known Defects – damage from known defects existing before insurance commencement
- Financial Services – banking, cryptocurrency, financial consulting
- Medical Devices – medical applications on humans
- Traffic Safety – autonomous driving, flight safety
- Government Activity – activity for authorities (under certain conditions)
- War and Terrorism – damage from war or terrorism
9. Additional Insurance Benefits
Online Legal Services
Partnership with ARAG SE
Free online legal services including:
- 1,000+ sample letters and contracts
- Partnership agreements
- Management contracts
- Employment contracts
- Web impressum templates
- Purchase agreements
Access: https://markel.de/assistance/
Login: Using policy number
Cyber Prevention Basis (Perseus-Basis)
Partnership with Perseus Technologies GmbH
Free training and prevention measures:
- IT security check (one-time)
- Online cybersecurity training (with certificate)
- Online data protection training (with certificate)
- Browser check
- Password generator
- Simulated phishing email
- Customer area with employee statistics (up to 3 employees)
Access: https://markel.de/assistance/
Login: Using policy number
10. Premiums and Costs
Premium Breakdown
Annual Net Premium: €303.88
Annual Gross Premium: €361.62 (including 19% insurance tax)
Discounts and Surcharges
- Email Delivery Discount: -€5
- Startup/Business Founder Discount: -15% (for 2 years)
- 1-Year Term: Included in standard premium
- 3-Year Term: -10% term discount
Payment Method
Standard: Annually by invoice
Alternatives:
- Semi-annually (+3% surcharge, with SEPA direct debit)
- Quarterly (+5% surcharge, with SEPA direct debit)
11. Claims Notification
How to Report a Claim
In the event of a claim, you must notify immediately (within 30 days at the latest):
Markel Seguros SE
Sophienstr. 26
80333 Munich
Phone: +49 89 205094-400
Correo electrónico: [email protected]
Website: https://www.markel.de
Required Information
- Número de póliza: ON.MPI.64092
- Date of claim
- Description of claim event
- Extent of damage caused
- Identity of claimant
- Relevant documentation and evidence
12. Insurance Terms and Conditions
Applicable Terms
Tariff Version: Markel Pro IT
Tariff Status: Version 1 (as of May 2022)
Applicable Insurance Terms:
- Markel Pro IT Liability Insurance Terms and Conditions v1
- Information on Insurance Products
- Notice pursuant to Section 19 para. 5 VVG (Withdrawal Notice)
- Política de privacidad
- Information Requirements under FVZG
These terms are available at:
- https://www.markel.de (Document section)
- Sent upon insurance conclusion
13. Frequently Asked Questions About Insurance
Q: Which activities are insured?
A: All IT services within the scope of open professional coverage. Financial services, medical devices, and critical infrastructure are not covered.
Q: What is the deductible?
A: For financial losses: €0. For property damage: €250. You pay these amounts for each claim.
Q: How long does it take for a claim to be paid?
A: After notification and review, usually 4-8 weeks. The exact timeframe depends on the extent of the claim.
Q: What should I do if a claim occurs?
A: Notify immediately (within 30 days) to Markel Insurance SE with all relevant information.
Q: Are claims from negligence covered?
A: Yes, simple negligence is covered. Intentional damage is excluded.
14. Insurance Renewal and Changes
Insurance Renewal
The insurance is automatically extended for another year if no cancellation is submitted.
Next Renewal Date: October 6, 2026
Changes to Insurance
Changes to coverage or conditions must be reported in writing:
- Increase in revenue
- New business areas
- Changes in business figures
- Change of location
Contact for changes:
- Insurance Broker: Finanzchef24 GmbH
- Phone: 089 716 772 700
- Correo electrónico: [email protected]
15. Right of Withdrawal
Cancellation of Insurance
You have the right to cancel the insurance within 14 days of contract conclusion.
Cancellation Address:
Markel Seguros SE
Sophienstr. 26
80333 Munich
16. Contact and Support
For Insurance Questions
Insurance Broker:
Finanzchef24 GmbH
Hohenlindener Str. 1
81677 Munich
Phone: 089 716 772 700
Correo electrónico: [email protected]
Website: https://www.finanzchef24.de
Insurance Company:
Markel Seguros SE
Sophienstr. 26
80333 Munich
Phone: +49 89 205094-400
Correo electrónico: [email protected] (Claims notification)
Website: https://www.markel.de
Business:
Graham Miranda
Hasselfelder Str. 23
38889 Blankenburg (Harz)
Tel: +49 15678 397267
Correo electrónico: [email protected]
17. Notices and Data Protection
Insurance Terms
This insurance is subject to the insurance terms of Markel Insurance SE. In case of conflicts between this summary and the official terms, the official terms apply.
Protección de datos
Personal data is processed in accordance with the GDPR. The privacy policy of Markel can be found at https://www.markel.de/datenschutz/
Billing
Policyholder: Graham Miranda
Customer Number: 50880
Billing Address: Hasselfelder Str. 23, 38889 Blankenburg (Harz)
This insurance information provides an overview of insurance coverage. For complete information, see the policy and insurance terms.
Last Updated: November 12, 2025