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Insurance for self employed care advisors in Germany

Care advisors in Germany visit families at home, often at difficult moments. You explain long term care insurance benefits, write care plans and carry out the advice visits that people receiving care allowance must have regularly. Wrong advice can cost money, and a home visit can cause damage. Whether you are self employed or run a recognised advice centre, this page shows what should be insured and what it costs.

Insurance for care advisors

The question almost everyone asks first

Who pays if a family files an application too late because of my advice?

If they lose benefits as a result, that is pure financial loss. Only professional indemnity covers it, not standard public liability. Record your advice in writing; it helps in any dispute and is usual for advice visits anyway.

What goes wrong in this trade

  1. 01

    Wrong advice

    A missed deadline, an overlooked entitlement, an appeal recommended too late: the family loses benefits and claims compensation.

  2. 02

    Damage on home visits

    A vase knocked over, a hearing aid dropped, a care aid adjusted wrongly: you work in other people's homes.

  3. 03

    Always on the road

    Advice visits mean daily drives, often in rural areas. An accident costs the car and working days.

  4. 04

    Health data

    Diagnoses, care levels and family details sit on laptop and phone. Loss or an attack triggers reporting duties.

  5. 05

    Losing your own capacity to work

    As a sole advisor there is no cover for you. If you fall ill, you earn nothing.

  6. 06

    Fee disputes

    Billing with care funds and contracts with clients sometimes lead to disputes.

Risk radar
Liability 4Fire and water 2Theft 2Cyber 3Downtime 3Health 3

Compared with other trades, 1 low to 5 high.

The insurance you need

Essential

Professional indemnity

Covers financial loss from wrong advice, such as lost benefits after a missed deadline.

Strongly advised

Business liability

For injury and property damage on home visits, in advice rooms and at events.

Car insurance

For the car you use for home visits; business use must be stated in the policy.

Cyber insurance

For data loss, attacks and the duties that follow a breach involving health data.

Depends on the business

Accident insurance

For accidents on the road and on home visits, if you have no other cover as a self employed person.

What it costs: example prices

Care advice carries little property risk. What matters is financial loss, the car and your own ability to work.

InsuranceExampleTypical range
Professional indemnitySole advisor, financial loss up to €250,000, with liability for injury and damageabout €200 to €500 a year
Professional indemnityAdvice centre with five advisors, financial loss up to €500,000about €600 to €1,500 a year
Car insuranceCompact car, 25,000 km a year for work, liability and partial coverabout €500 to €1,100 a year
Cyber insuranceAdvice centre with digital recordsabout €300 to €800 a year
Business legal expensesSelf employed advisor with contract and traffic legal expensesabout €250 to €600 a year

For comparison: Professional indemnity for a self employed care advisor costs about as much a year as two tanks of fuel for home visits.

All figures are guide figures from our own quoting work, excluding German insurance premium tax,

as of October 2026.

Your premium depends on activities, number of advisors and limits chosen.

Sources of the price examples

Our suggestions: three packages

01

Sole advisor

For: Self employed care advisor without own premises

  • Professional indemnity
  • Car insurance
  • Occupational disability

Together about €700 to €1,600 a year, excluding income protection

Request this package

02

Advice practice

For: Practice with an advice room and two or three advisors

  • Professional indemnity
  • Business liability
  • Car insurance
  • Cyber insurance

Together about €1,500 to €3,500 a year

Request this package

03

Advice centre

For: Recognised advice centre with a team, cars and digital files

  • Professional indemnity
  • Business liability
  • Car insurance
  • Cyber insurance
  • Business legal expenses
  • Accident insurance

Together priced individually, usually from about €3,500 a year

Request this package

The worst day in care advice

Six things that really happen to care advisors, all on one Wednesday here. Tap through and see who pays.

Damage so far€24,500
  1. On an icy country road your car slides into a ditch and has to go to the garage.

    €5,500 · Paid by: Car insurance

  2. On a home visit you knock a glass cabinet and an heirloom breaks.

    €1,800 · Paid by: Business liability

  3. A family says your advice made them apply too late for a higher care level.

    €6,500 · Paid by: Professional indemnity

  4. Your laptop with advice records is stolen from the car; you have to inform those affected and the authority.

    €4,000 · Paid by: Cyber insurance

  5. A client cuts your invoices for several months and you need a lawyer.

    €2,200 · Paid by: Business legal expenses

  6. You slip on wet outdoor steps and are off work for six weeks.

    €4,500 · Paid by: Accident insurance

Which package would you have had?

Paid by insurance: €0
Out of your own pocket: €24,500

Illustrative amounts before any excess.

What is paid depends on the policy terms.

Practical tips from your broker

  1. Make sure financial loss from advice is included; standard public liability is not enough.
  2. Record every advice session in writing, with date, content and recommended steps.
  3. Tell your motor insurer that you use the car for work and drive a lot.
  4. Store health data encrypted and protect laptop and phone with passwords.
  5. Check contracts with care funds or clients for the insurance and limits they require.
  6. Protect your ability to work if you work alone with no one to cover for you.

Why NAMMERT for your business

We compare for you

Norman Nammert works as an independent insurance broker. We approach several insurers and make sure financial loss from advice is covered.

Work and private in one place

Liability, car, pension and home all sit with us; one call is enough.

Family run since 1989

We have arranged insurance since 1989. Our work is free for you; the insurer pays our commission.

Frequently asked questions

Questions and answers

What insurance do I need as a self employed care advisor?

Most important is professional indemnity covering financial loss.

Add liability for home visits, the car and protection for your ability to work.

How much is professional indemnity for care advisors?

From our quoting work, a sole advisor pays about €200 to €500 a year,

an advice centre with several advisors about €600 to €1,500.

Who may carry out advice visits under § 37 SGB XI?

Among others, approved care services,

neutral and independent advice centres recognised by the state associations of the care funds,

and care advisors under § 7a SGB XI.

How often must care allowance recipients be advised?

Under § 37(3) SGB XI every six months, and in care levels 4 and 5 every three months on request.

Until 31 March 2027 every second visit can be held by video if the person wishes.

Does my private liability cover home visits?

No.

Private liability usually excludes work activities.

For home visits you need business or professional liability.

Can a care fund commission me as a third party?

Yes.

Under § 7a SGB XI care funds may hand advice tasks wholly or partly to third parties;

the advice must remain neutral and independent.

NAMMERT insurance broker

Request quotes for Care advisor

The recommended covers are ticked.

Change what does not fit; we compare quotes, in English.

1Who is it for?
2Which insurance?

Choose as many as you like. For each one, the details an insurer needs for a quote appear below.

Personal

Business

3Details

Car insurance in Germany (liability, partial and fully comprehensive)

Most precise with the HSN and TSN codes from the registration document

Occupational disability insurance (Berufsunfähigkeitsversicherung)

For example data analyst in an office, or civil engineer with site visits

We discuss details personally for an anonymous enquiry

For example how long you plan to stay in Germany, self-employment, existing policies

Business liability insurance in Germany (Betriebshaftpflicht)

For example electrical installation in homes, café with outdoor seating, online shop for furniture

For example work at clients' sites, own products, exports to the US, parent company abroad

Professional indemnity insurance in Germany (Berufshaftpflicht)

For example tax adviser with payroll, freelance software developer,

architect for residential buildings

For example current policy abroad, clients in the US, side activities,

expiry date of existing cover

Cyber insurance for businesses in Germany

Rule of thumb: cost of three to four weeks of downtime plus recovery

4Your current policy
5How can we reach you?

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Your broker: Norman Nammert, trading as NAMMERT.

Insurance broker licensed under section 34d(1) of the German Trade Regulation Act.

Broker register no. D-C08Q-TOSD4-37.

NAMMERT Assekuradeur GmbH is a separate company.

It does not arrange your contract.

Statutory disclosure (German) · Updated