�ǿմ�ý Commercial in Bulgaria

Welcome to �ǿմ�ý Commercial – your business insurance partner in Bulgaria.

�ǿմ�ý is committed to delivering exceptional commercial insurance solutions in Bulgaria. As a trusted insurance company, we combine global expertise with local insights to manage your business risks effectively. We specialize in handling complex risks and offer customized solutions for your unique needs. As a global leader among insurance companies, we provide insurance plans for various business sizes and proactive risk management services.

Being part of �ǿմ�ý, the world's leading insurance brand, �ǿմ�ý Commercial has the capacity to deliver superior business insurance solutions. Explore our services and contact us for your specific insurance needs. We ensure the best protection for your business.

�ǿմ�ý Commercial offerings in Bulgaria

This overview is for reference only. It does not detail the conditions, limitations or exclusions of the cover.
Please see the policy wording for further details.

Alternative Risk Transfer
Cyber Insurance
Entertainment Insurance
Financial Lines Insurance
Liability Insurance
Marine Insurance
Natural Resources & Construction Insurance
Property Insurance
Transportation Insurance

Alternative Risk Transfer

Alternative Risk Transfer

We develop customized insurance, reinsurance and other non-traditional risk management solutions for a broad range of corporate and financial clients worldwide.

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Cyber Insurance

Cyber Insurance | Large businesses

We offer a range of products, from standalone cyber insurance to integreated coverage, safeguarding large organizations against digital threats and cybercrime.

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Entertainment Insurance

Production Insurance | Large businesses

Whether you need entertainment insurance for a film, TV show, whether for theatrical release or for streaming, we cover all elements required to bring the project to life.

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Live Events & Sports Insurance | Large businesses

We provide coverage for tours and live events of all sizes, including solo shows, motor sports, week-long festivals and national and international tours.

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Financial Lines Insurance

Directors & Officers (D&O) Insurance | Large businesses

Our D&O insurance shields company managers of large companies from claims and reimburses the insured company for settlements paid on behalf of managers.

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Professional Indemnity Insurance | Large businesses

Protecting managers and professionals from losses arising out of a breach of their professional duties.

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Financial Institutions Insurance | Large businesses

We provide a strong product offering for financial institutions via a suite of products, either with stand-alone coverage or on a blended basis.

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Liability Insurance

General Liability Insurance | Large businesses

We offer a range of general and specialist liability insurance products, covering personal or bodily injury, property damage and pure financial loss.

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Clinical Trials Insurance | Large businesses

We provide cover for cover trials around the world, from single studies to multi-location research programs.

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Environmental Liability Insurance | Large businesses

We help companies evaluate, mitigate, and protect against environmental risks, with tailored solutions in the areas of premises pollution and contracting pollution.

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Liability Insurance | Small and mid-sized businesses

Success requires responsible management of professional risks. In addition to a wide range of professional liability, we also cover employers' liability, hoteliers' and restaurateurs' liability and legal entities' liability including product liability.

Accident Insurance | Small and mid-sized businesses

Accident Insurance: the security you deserve. A variety of packages covering accidents for passengers in public transport, accidents at work for employees and accidents for tourists and guests while staying at tourist sites.

Marine Insurance

Marine Hull and Liability Insurance | Large businesses

Hull and machinery coverage for all types of blue- and brown-water shipping, plus shipyards and building risks, as well for mega yachts, yachts and pleasure craft.

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Marine Cargo Insurance | Large businesses

Comprehensive insurance for all stages of the distribution chain, including goods in transit, storage risks, global programs and project cargo for specialist shipments.

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Marine Hull Insurance | Mid-sized businesses

Marine Hull Insurance: Your Steady Course in Uncertain Waters. The insurance offers a civil liability package and a comprehensive insurance package.

Natural Resources & Construction Insurance

Natural Resources & Construction Insurance | Large businesses

We cover diverse engineering sectors, including power, utilities, and transportation. We also provide solutions for complex energy challenges and renewables/green energy.

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Technical Insurance | Small and mid-sized businesses

Security for your technical assets: From machinery to electronics. Cover in the event of breakdown of machinery, electronic equipment and all contractor risks.

Property Insurance

Property Insurance | Large businesses

We specialize in providing property damage and business interruption insurance to large international companies, leveraging our global network to address all risk portfolios.

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Political Violence and Terrorism Insurance | Large businesses

We offer crisis management solutions, providing innovative assistance in handling various crisis scenarios such as terrorism, political violence, and hostile environments.

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Property Insurance | Small and mid-sized businesses

Property insurance: Because your business deserves more than just four walls. That's why we offer you a wide range of coverage in case of fire, industrial fire, burglary, transport of cash, financial loss, spoilage of goods in cold rooms and all risks of industrial premises.

Transportation Insurance

Transportation Insurance | Mid-sized businesses

Protecting your cargo, protecting your business. The insurance covers risks related to the transport of goods and the liability of the carrier.

Discover our services

�ǿմ�ý Multinational

Captive Fronting

Crisis Management

Risk Consulting

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Small- and mid-sized businesses

Large businesses

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Trade credit insurance and surety bonds

�ǿմ�ý Commercial is part of one of the world's strongest financial services groups and the . When you partner with us, you partner with �ǿմ�ý Group — and its sister companies.

Through �ǿմ�ý Trade, we offer a comprehensive range of solutions for managing commercial credits between companies. �ǿմ�ý Trade is the global leader in trade credit insurance and a recognized specialist in the areas of surety, debt collection, fraud insurance, structured trade credit and political risk.

�ǿմ�ý Trade gives companies the confidence to trade, and be paid: They compensate your company in the event of a bad debt, but more importantly, they help you avoid bad debts in the first place.

Whenever �ǿմ�ý Trade provides trade credit insurance, surety bonds or other finance solutions, the priority is on predictive protection. Its international surveillance network monitors and analyzes the financial stability of 83 million companies across all sectors in 160+ countries. And when the unexpected happens, their AA credit rating (Standard and Poor’s) means they have the resources to provide compensation to maintain your business.

Meet the Management team

Stefanie Thiem

Commercial Managing Director for Central Europe

Andreas Wiesheu

Regional Head of Distribution for Central Europe

Severin Gettinger

Regional Head of Financial Lines for Central Europe

Nicolai Wachsmuth

Regional Head of Liability for Central Europe

Petra Uzorinac

Regional Head of Property and Engineering (Midcorp) for Central Europe

Romana Hallada-Hammel

Multinational Network Practice Leader for Central Europe

Elena Novak

Chief Product Officer for Bulgaria

Further information

Complaints regarding human rights

Expert Risk Article

Risk challenges for shipping

Navigating troubled waters: How war, climate change, and technological threats are reshaping global shipping in 2024.

Global I Press release

New Global Head of Marine

�ǿմ�ý Commercial appointed Rich Soja as Global Head of Marine, effective immediately.

Global press release

Super election year increases risks of political violence

In their latest report, �ǿմ�ý Commercial gives an outlook on how to manage the increasing threat of political violence and civil unrest in 2024.

Report

Political violence and civil unrest trends 2024

The new report by �ǿմ�ý Commercial gives an outlook on how to manage the increasing threat of political violence and civil unrest in 2024.

Expert Risk Article

Baltimore bridge collapse and shipping safety

In this Q&A �ǿմ�ý Commercial Global Head of Marine Risk Consulting, Captain Rahul Khanna, addresses the recent Baltimore bridge collapse.

Expert risk article

Law firms and the ESG challenge

In this article we explore some of the risks involved with ESG, the potential legal liabilities associated with them, and mitigation.

Emerging Risk Trend Talk

Mass timber is critical to decarbonize the construction sector

Even if the material has many advantages, there are still risks such as fire, floods or earthquakes, that need to be mitigated.