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Insurance for coworking spaces and shared offices in Germany

Coworking spaces and shared offices in Germany rent desks, private offices and meeting rooms to freelancers, start ups and companies, often on a monthly basis. People come and go all day, using your Wi-Fi, kitchen and equipment. For the operator that means liability, a lot of technology and a head lease that has to allow you to let space to others. This page shows what to insure.

Insurance for coworking spaces in Germany

The question almost everyone asks first

Am I liable if a member trips over a cable?

If the cable was in your area of responsibility, yes. As operator you owe a duty of care for the premises. Public liability pays justified claims and defends unjustified ones. Make sure damage to the rented premises themselves is included too, as head landlords will hold you responsible for it.

What goes wrong in this trade

  1. 01

    Accidents on site

    A visitor trips over a cable or slips in the kitchen.

  2. 02

    Damage to the premises

    A dishwasher leaks, the landlord's parquet floor is ruined and the landlord wants it replaced.

  3. 03

    Theft

    Members' laptops go missing and the access control is blamed.

  4. 04

    Network and data

    Malware spreads through the shared network or the booking system is encrypted.

  5. 05

    Closure after a loss

    After a fire the space is unusable for weeks while rent and loans keep running.

  6. 06

    Disputes

    Subletting without permission, unpaid invoices, terminated memberships.

Risk radar
Liability 4Fire and water 4Theft 3Cyber 4Downtime 4Health 1

Compared with other trades, 1 low to 5 high.

The insurance you need

Essential

Business liability

Covers injury and property damage to members and visitors, including damage to the rented premises.

Strongly advised

Business contents

Covers furniture, kitchen and fittings against fire, water, burglary and storm.

Electronic equipment

For printers, screens, network equipment, conference systems and access control.

Cyber insurance

Covers attacks on network and booking system and data protection breaches.

Depends on the business

What it costs: example prices

Premiums depend on floor space, number of desks, value of equipment and turnover. Events and catering push up liability.

InsuranceExampleTypical range
Business liabilitySmall space, 40 desks, damage to rented premises includedabout €300 to €700 a year
Business contentsFittings worth €150,000about €300 to €700 a year
Electronic equipmentEquipment worth €60,000about €400 to €900 a year
Cyber insuranceOperator with €500,000 turnover, €250,000 coverabout €600 to €1,400 a year

For comparison: Public liability for a small coworking space costs about as much a year as one fixed desk for a month.

Guide figures from our own quoting work, October 2026, excluding German insurance premium tax.

The linked source supports the legal statement on this page, not the prices.

Sources of the price examples

Our suggestions: three packages

01

Small space

For: up to 40 desks on leased premises

  • Business liability
  • Business contents
  • Electronic equipment

Together about €1,000 to €2,300 a year

Request this package

02

Business centre

For: several floors with offices, meeting rooms and reception

  • Business liability
  • Business contents
  • Electronic equipment
  • Cyber insurance
  • Business interruption

Together about €2,500 to €6,000 a year

Request this package

03

Multiple sites

For: operators with several locations and app booking

  • Business liability
  • Business contents
  • Electronic equipment
  • Cyber insurance
  • Business interruption
  • Business legal expenses

Together tailored, usually from about €6,000 a year

Request this package

The worst day in the coworking space

Five things that really happen to operators, here on a single Tuesday. Tap through and see who pays.

Damage so far€48,000
  1. The dishwasher in the shared kitchen has leaked and the landlord's parquet has swollen.

    €9,000 · Paid by: Business liability

  2. A visitor trips over an extension lead and breaks a wrist.

    €6,000 · Paid by: Business liability

  3. Ransomware encrypts the booking system.

    €14,000 · Paid by: Cyber insurance

  4. A power surge destroys the conference system and printer.

    €7,000 · Paid by: Electronic equipment

  5. One floor is closed for three weeks of drying, members ask for credit notes.

    €12,000 · Paid by: Business interruption

Which package would you have had?

Paid by insurance: €0
Out of your own pocket: €48,000

Illustrative amounts before any excess.

What is paid depends on the policy terms.

Practical tips from your broker

  1. Have the head lease expressly allow you to let desks and offices to third parties.
  2. Check that your liability policy includes damage to rented premises, including water damage.
  3. State in your membership terms that members insure their own devices.
  4. Separate guest Wi-Fi from the network for admin, payments and access control.
  5. Choose a business interruption indemnity period long enough for a major refurbishment.

Why NAMMERT for your business

Lease and insurance thought through together

We match what your landlord requires with what your membership terms promise.

Property, tech and cyber in one place

We align contents, electronics and cyber so nothing overlaps and nothing is missing.

Family run since 1989

Norman Nammert arranges your cover as an insurance broker, in English if you prefer. Our work is free for you; the insurer pays our commission.

Frequently asked questions

Questions and answers

Is insurance compulsory for a coworking space in Germany?

Not by law.

Head landlords almost always require public liability,

often including damage to the rented premises.

Can I simply let my leased space to members?

No.

Under § 540 of the Civil Code you need your landlord's permission.

Ideally it is written into the head lease.

Are my members' laptops insured?

Usually not under your contents policy.

You are only liable if you were at fault.

Members should insure their own devices.

Do I need cyber insurance?

With shared Wi-Fi, an online booking system and digital access control the risk is real.

Cyber cover pays for recovery, forensics and third party claims.

What does cover for a small space cost?

About €1,000 to €2,300 a year for liability, contents and electronics,

as a guide figure excluding premium tax.

NAMMERT insurance broker

Request quotes for Coworking space

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

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

Business contents insurance in Germany (Inhaltsversicherung)

For example café with bakery, accounting firm, car repair shop

At purchase price, 0 if no stock

For example flood cover, customer property, tools in vehicles, loss of income

Business interruption insurance in Germany (Betriebsunterbrechungsversicherung)

For example metalworking with eight staff, restaurant, dental practice

Turnover minus materials and goods purchased, your tax adviser will know

For example key machinery, flood, long delivery times

Electronic equipment insurance in Germany (Elektronikversicherung)

For example single expensive devices, extra costs, practice downtime

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