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Insurance for disability support services, supported housing and sheltered workshops in Germany

Disability support services in Germany (Eingliederungshilfe) run supported housing, day centres, sheltered workshops and transport services. They take on supervision of people who cannot always judge danger, and they are liable when something goes wrong. Add buildings, workshop machinery and minibuses. This page shows what a provider should insure and what it costs.

Insurance for disability support services

The question almost everyone asks first

Who pays if a resident scratches a parked car while unsupervised?

If the provider took on supervision, the owner of the car can claim against it under § 832 BGB. Public liability checks whether supervision was breached, pays justified claims and defends the others. Many policies also pay voluntarily where nobody is legally liable; ask for this clause.

What goes wrong in this trade

  1. 01

    Supervision

    A client leaves the group unnoticed, runs into the road or damages someone else's property. The question then is whether supervision was sufficient.

  2. 02

    Care and assistance

    Transfers, meals with swallowing difficulties, medication: mistakes in assistance can have serious consequences.

  3. 03

    Workshop production

    Machines, assembly and packing for customers: accidents, product defects and downtime hit the provider twice.

  4. 04

    Transport service

    Minibuses run to workshops and day centres every day. One accident can injure several people at once.

  5. 05

    Buildings

    Homes, workshops and day centres full of people: a fire means evacuation and temporary accommodation.

Risk radar
Liability 5Fire and water 4Theft 2Cyber 3Downtime 3Health 4

Compared with other trades, 1 low to 5 high.

The insurance you need

Essential

Business liability

Pays for damage from support, assistance and supervision, to clients and third parties, with product liability for the workshop.

Fleet insurance

Motor liability is compulsory; for transport minibuses a fleet policy with passenger cover makes sense.

Strongly advised

Commercial buildings

For your own homes, workshops and day centres against fire, storm and water damage.

Business contents

Replaces furniture, aids and workshop equipment after fire, water and burglary.

D&O insurance

Protects board and managing directors against personal liability for management errors.

Cyber insurance

Helps after attacks on support plans, billing and health data.

Depends on the business

What it costs: example prices

Premiums depend on places and staff, on workshop and transport service and on building values. Buildings and vehicles are usually the largest items.

InsuranceExampleTypical range
Business liabilitySmall provider with one group home and outreach assistanceabout €800 to €2,000 a year
Business liabilityProvider with a sheltered workshop, 150 places and product liabilityabout €3,000 to €8,000 a year
Fleet insurancePer minibus in the transport service, liability and fully comprehensiveabout €1,200 to €2,500 a year
D&O insuranceAssociation or non profit company, €2 million coverabout €800 to €2,000 a year

For comparison: Liability cover for a small provider costs about as much a year as insuring a single minibus.

Guide prices from our quoting practice, as of October 2026.

There are hardly any published tariff examples for disability support providers;

the sources below support the legal statements.

We obtain the exact quote for you.

Sources of the price examples

Our suggestions: three packages

01

Start

For: small provider with one group home and outreach assistance

  • Business liability
  • Business contents
  • Cyber insurance

Together about €2,000 to €4,500 a year

Request this package

02

Provider

For: supported housing, day centre and transport service

  • Business liability
  • Fleet insurance
  • Commercial buildings
  • Business contents
  • D&O insurance
  • Cyber insurance

Together about €10,000 to €25,000 a year

Request this package

03

Full cover

For: provider with workshop production and several sites

  • Business liability
  • Fleet insurance
  • Commercial buildings
  • Business contents
  • D&O insurance
  • Cyber insurance
  • Business interruption

Together about €25,000 to €60,000 a year

Request this package

The worst day in disability support

Five things that really happen to disability support providers, all on a single Wednesday here. Tap through the day and see who pays.

Damage so far€146,000
  1. A transport minibus runs into the car in front at traffic lights; two passengers are hurt.

    €25,000 · Paid by: Fleet insurance

  2. A resident leaves the group unnoticed and damages several parked cars.

    €6,000 · Paid by: Business liability

  3. Parts assembled in the workshop are faulty; the customer claims the cost of replacing them.

    €15,000 · Paid by: Business liability

  4. A toaster sets the kitchen of a group home on fire; residents have to move out for a while.

    €80,000 · Paid by: Commercial buildings

  5. Support planning is encrypted and billing stops.

    €20,000 · Paid by: Cyber insurance

Which package would you have had?

Paid by insurance: €0
Out of your own pocket: €146,000

Illustrative amounts before any excess.

What is paid depends on the policy terms.

Practical tips from your broker

  1. Have the duty of supervision and damage caused by clients named explicitly in public liability.
  2. Ask for a clause that pays even without legal liability when a client who cannot be held responsible causes damage.
  3. Insure workshop products with product liability, and with extended product liability if you assemble for industrial customers.
  4. Check passenger accident or driver cover for minibuses in addition to motor liability.
  5. Keep supervision concepts and records up to date; they decide liability disputes.

Why NAMMERT for your business

We know social care providers

Norman Nammert acts as an insurance broker and obtains quotes from several insurers. We focus on supervision, workshop and board liability.

We know claims from practice

In boat insurance we handle claims ourselves. That experience goes into our advice.

Advice in English

Buildings, transport, workshop and management with one contact person. Advice is free of charge; the insurer pays our commission.

Frequently asked questions

Questions and answers

Is a provider liable if a client causes damage?

If the provider took on supervision and breached it, yes.

Under § 832 BGB there is no liability if supervision was sufficient or the damage would have

happened anyway.

Are people in sheltered workshops covered by accident insurance?

Yes, people in recognised sheltered workshops are covered by statutory accident insurance under §

2 (1) no.

4 SGB VII.

How much does liability insurance cost for a disability support provider?

About €800 to €2,000 a year for small providers,

about €3,000 to €8,000 for providers with a workshop and 150 places.

These are guide prices from our quoting practice.

Do sheltered workshops need product liability?

Anyone producing or assembling for customers is liable for defects.

Product liability should therefore be included in public liability.

Does the board need D&O cover?

Board members and managing directors can be personally liable for management errors.

D&O cover through the provider protects them.

NAMMERT insurance broker

Request quotes for Disability support

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

Directors and officers insurance in Germany (D&O)

Known circumstances must be disclosed, otherwise cover may be lost

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

Commercial buildings insurance in Germany (Gebäudeversicherung)

From a valuation or your current policy

For example flood cover, solar panels, loss of rent, planned refurbishment

Fleet insurance in Germany (Kfz-Flottenversicherung)

For example leasing, insurer's claims report, foreign trips, renewal date

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?

Related trades

Social services

Social services

Who pays if a young person from our residential group damages something?

Care home

Care home

Is the home liable every time a resident falls?

Home care

Home care

Who pays if a carer loses a patient's key?

Boat or yacht? NAMMERT has its own cover concepts for boats, arranged by the same broker.

Boat insurance

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