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Independent insurance broker and financial services adviser in Euratsfeld+43 7474 23456 · helm@sichermithelm.at
SICHER mit HELM
SICHER mit HELM

Independent advice. Carefully designed policies. Support when a claim occurs.

One contact from selection and policy design to complete claims settlement.

Real client cases

Real results from our work.

Market comparison, contract reviews and claims support show their value in concrete cases.

View all real cases
EUR 1,350saved each year
EUR 8,000flood benefit
EUR 16,500after a motorcycle accident
100%liability accepted within one week

Results depend on the contract, risk and individual case.

Advice & selection

We analyse your situation, compare suitable insurers and explain differences in cover, exclusions and obligations.

Policy design & review

Applications, sums insured, clauses, endorsements and the final policy are coordinated and checked.

Claims support

We assist from the first notification and evidence gathering through insurer negotiations to final settlement.

New private insurance portals

Private insurance, health and life protection on specialist websites.

SICHER mit HELM remains the central brokerage and entry website.

Private

privat-versicherung.at

All major private insurance areas.

Open portal →
New specialist portals

Claim support and robot risks.

Dedicated pages for out-of-court claim assistance and technical insurance concepts for robotics.

Claims

versicherungs-schaden.at

Out-of-court support also for people who are not existing clients, with a focus on third-party motor liability claims.

Claim assistance →
Technology

roboter-versicherung.at

All-risk/casco, machinery breakdown, electronics, liability, cyber and AI risks for mobile and humanoid robots.

Robot insurance →
Austrian Supreme Court decisions

What judgments mean in practice.

Selected decisions in brief. The complete collection includes further cases and practical notes.

View all decisions
OGH 7 Ob 94/24k

Escape of water: cause and burden of proof

The precise cause and the distinction between an insured event and an exclusion may determine the outcome.

Read the court overview →
OGH 7 Ob 406/97z

Business liability: damage to property being worked on

The exclusion for property being worked on shows why wording and extensions must be reviewed before work begins.

Read the court overview →
OGH 7 Ob 62/22a

Motorsport: a training facility may also be excluded

Not only races but also driving at a motorsport training facility may fall within an exclusion.

Read the court overview →
Our team

Personal contacts from advice to claims settlement.

We know your contracts and remain involved when a claim requires work.

Meet the team
Herbert Helm MBA

Herbert Helm MBA

Insurance broker, financial services adviser and personal contact

Sylvia Laslo

Sylvia Laslo

Back office, policy administration and client service

Corinna Wartecker

Corinna Wartecker

Claims management and client support

Lara Gschöpf

Lara Gschöpf

Client service, organisation and digital communication

Gerhard Kofler

Gerhard Kofler

External expert for liability, property and accident insurance

Personal consultation

Let us review your situation before a loss occurs.

We combine independent market access, careful policy design and hands-on claims experience.

Herbert Helm MBA
Herbert Helm MBA
Insurance broker & financial services adviser
+43 7474 23456
helm@sichermithelm.at
Frequently asked questions

Clear answers before you decide.

The most important questions at a glance. The full FAQ contains further details.

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What does advice from an insurance broker cost?

For insurance contracts placed through the broker, the service is generally remunerated through the insurance premium. Special services are charged only on the basis of a transparent agreement.

Does SICHER mit HELM work with several insurers?

Yes. As an independent broker, we compare suitable solutions from several insurers and assess wording, exclusions and clauses as well as price.

Can you review existing policies?

Yes. We review sums insured, exclusions, deductibles, terms, overlaps and changes in your personal or business situation.

Do you also assist with claims?

Yes. We support you from the initial notification and document preparation through communication with the insurer to a transparent settlement.

Can insurance be purchased online?

Online purchase is possible, but it does not automatically replace professional review of policy wording, gaps in cover and claims practice.

Directions to our office

Personal advice in Euratsfeld.

Our office is located at Saliterweg 8, 3324 Euratsfeld, Austria. The interactive Google map is only loaded after your explicit consent.

SICHER mit HELMSaliterweg 8 · 3324 Euratsfeld · Austria
Telephone+43 7474 23456
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Directions to the office in Euratsfeld

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