{"id":3804,"date":"2025-10-25T16:06:35","date_gmt":"2025-10-25T16:06:35","guid":{"rendered":"https:\/\/hosting.grahammiranda.com\/?page_id=3804"},"modified":"2025-10-25T16:06:55","modified_gmt":"2025-10-25T16:06:55","slug":"legal-insurance-policy","status":"publish","type":"page","link":"https:\/\/hosting.grahammiranda.com\/de\/legal\/insurance-policy\/","title":{"rendered":"Insurance Policy Information"},"content":{"rendered":"<p><strong>Graham Miranda<\/strong><br>Graham Miranda Hosting<br>Hasselfelder Stra\u00dfe 23<br>38889 Blankenburg (Harz), Germany<\/p>\n\n\n\n<p>Last updated: 25. Oktober 2025<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-introduction\">1. Introduction<\/h3>\n\n\n\n<p>As a professional IT service provider and hosting provider, we maintain comprehensive liability insurance to protect our customers and our business from financial risks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-insurance-details\">2. Insurance Details<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-2-1-insurer-and-contract-partner\">2.1 Insurer and Contract Partner<\/h4>\n\n\n\n<p><strong>Insurance Company:<\/strong> Markel Insurance SE<br><strong>Distribution Partner:<\/strong> Finanzchef24 GmbH<br><strong>Policyholder:<\/strong> Graham Miranda (Sole Proprietorship)<br><strong>Policy Number:<\/strong> ON.MPI.64092<br><strong>Customer Number:<\/strong> 50880<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-2-2-contract-term\">2.2 Contract Term<\/h4>\n\n\n\n<p><strong>Insurance Start:<\/strong> October 6, 2025, 00:00<br><strong>Insurance End:<\/strong> October 6, 2026, 00:00<br><strong>Contract Renewal:<\/strong> Automatic renewal for one year<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-insurance-coverage-amounts\">3. Insurance Coverage Amounts<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Type of Damage<\/th><th>Coverage Amount<\/th><th>Annual Maximum<\/th><\/tr><\/thead><tbody><tr><td><strong>Financial Loss (VSH)<\/strong><\/td><td>\u20ac300,000<\/td><td>\u20ac900,000 (3x)<\/td><\/tr><tr><td><strong>Personal Injury &amp; Property Damage (BHV)<\/strong><\/td><td>\u20ac3,000,000 lump sum<\/td><td>\u20ac9,000,000 (3x)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-what-is-covered\">4. What is Covered?<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-4-1-professional-indemnity-vsh-300-000\">4.1 Professional Indemnity (VSH) &#8211; \u20ac300,000<\/h4>\n\n\n\n<p><strong>Covered Damages:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Data loss or data corruption at the customer<\/li>\n\n\n\n<li>Financial consequences of server failures or service interruptions<\/li>\n\n\n\n<li>Incorrect advice or service<\/li>\n\n\n\n<li>Violations of data protection regulations (GDPR)<\/li>\n\n\n\n<li>Breach of contractual obligations<\/li>\n\n\n\n<li>Missing or incorrect data backup<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-4-2-general-liability-bhv-3-000-000\">4.2 General Liability (BHV) &#8211; \u20ac3,000,000<\/h4>\n\n\n\n<p><strong>Covered Damages:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Personal injury (injury, health damage, death)<\/li>\n\n\n\n<li>Property damage (damage or destruction of third-party property)<\/li>\n\n\n\n<li>Consequential financial losses from personal injury or property damage<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-4-3-deductible\">4.3 Deductible<\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Type of Damage<\/th><th>Deductible<\/th><\/tr><\/thead><tbody><tr><td>Financial Loss (VSH)<\/td><td>\u20ac0 (no deductible)<\/td><\/tr><tr><td>Property Damage (BHV)<\/td><td>\u20ac250 per claim<\/td><\/tr><tr><td>Personal Injury (BHV)<\/td><td>\u20ac0 (no deductible)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-in-case-of-damage-what-to-do\">5. In Case of Damage &#8211; What to Do?<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-5-1-immediate-notification\">5.1 Immediate Notification<\/h4>\n\n\n\n\n\n<p><strong>Markel Claims Hotline:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Phone: +49 (0)89 205094-400<\/li>\n\n\n\n<li>Email: schaden@markel.de<\/li>\n\n\n\n<li>Online: <a href=\"https:\/\/www.markel.de\/schaden-melden\">https:\/\/www.markel.de\/schaden-melden<\/a><\/li>\n<\/ul>\n\n\n\n<p><strong>Office Hours:<\/strong><br>Monday to Thursday: 08:30 &#8211; 17:00<br>Friday: 08:30 &#8211; 16:00<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-5-2-required-information\">5.2 Required Information<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Policy Number: ON.MPI.64092<\/li>\n\n\n\n<li>Date and location of damage<\/li>\n\n\n\n<li>Course of events (detailed description)<\/li>\n\n\n\n<li>Injured party (name, address, contact)<\/li>\n\n\n\n<li>Amount of damage (estimated or known)<\/li>\n\n\n\n<li>Evidence (photos, emails, contracts, etc.)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-insurance-contact\">6. Insurance Contact<\/h3>\n\n\n\n<p><strong>Insurer:<\/strong><br>Markel Insurance SE<br>Sophienstra\u00dfe 26<br>80333 Munich, Germany<br>Phone: +49 (0)89 205094-400<br>Email: info@markel.de<br>Website: <a href=\"https:\/\/www.markel.de\">https:\/\/www.markel.de<\/a><\/p>\n\n\n\n<p><strong>Broker:<\/strong><br>Finanzchef24 GmbH<br>Hohenlindener Str. 1<br>81677 Munich, Germany<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-legal-notes\">Legal Notes<\/h2>\n\n\n\n<p>This information is for transparency and does not constitute an insurance commitment. The insurer&#8217;s terms and conditions are decisive.<\/p>","protected":false},"excerpt":{"rendered":"<p>Graham MirandaGraham Miranda HostingHasselfelder Stra\u00dfe 2338889 Blankenburg (Harz), Germany Last updated: 25. Oktober 2025 1. Introduction As a professional IT service provider and hosting provider, we maintain comprehensive liability insurance to protect our customers and our business from financial risks. 2. Insurance Details 2.1 Insurer and Contract Partner Insurance Company: Markel Insurance SEDistribution Partner: Finanzchef24 [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3804","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.4 (Yoast SEO v26.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>IT Liability Insurance | \u20ac300k Coverage - Graham Miranda Hosting<\/title>\n<meta name=\"description\" content=\"Our IT liability insurance details: \u20ac300,000 VSH and \u20ac3,000,000 BHV coverage through Markel Insurance. 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