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Insurance broker / Business types / Energy and environment

Insurance for EV charging point operators, charging parks and public chargers in Germany

A public charger stands outside around the clock, open to anyone. It gets hit by vans, vandalised and stripped of its cables, and when it is down it earns nothing. Add the backend, billing and liability towards people who trip over a cable. Here is what operators of public charging points and charging parks in Germany should insure.

Insurance for EV charging point operators in Germany

The question almost everyone asks first

Is my charger covered by my building insurance?

Usually not well enough. Chargers in car parks often stand outside the insured building. Collision damage, vandalism, power surges and operating errors are best covered by electronic equipment or machinery insurance. For damage to vehicles and people you also need public liability.

What goes wrong in this trade

  1. 01

    Collision

    A delivery van reverses into the fast charger. The driver is often never found.

  2. 02

    Vandalism and cable theft

    Charging cables contain copper. Cut cables and smashed displays take chargers offline overnight.

  3. 03

    Damage to customer cars

    A fault damages the onboard charger of a customer's car, and the owner claims from the operator.

  4. 04

    Trips and shocks

    A cable lies across the pavement and a passer-by falls. Damaged plugs can be dangerous.

  5. 05

    Downtime

    Spare parts for fast chargers can take weeks. Meanwhile the charger earns nothing.

  6. 06

    Backend and billing

    An attack on the billing system shuts down every charger, card data leaks or sessions are billed wrongly.

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

Compared with other trades, 1 low to 5 high.

The insurance you need

Essential

Business liability

Covers injury and property damage caused by chargers, cables and faults, including customer cars when included.

Strongly advised

Electronic equipment

Covers the chargers against collision, vandalism, surges, short circuits and operating errors.

Cyber insurance

Covers backend, app and payments that control all charging points.

Depends on the business

Machinery breakdown

Covers transformers, battery storage and grid connection of larger charging parks.

Business legal expenses

Legal expenses for disputes with site owners, grid operators, manufacturers and customers.

What it costs: example prices

Premiums depend on number and value of chargers, locations, power and turnover. A motorway fast charging park costs more than a few chargers in a company car park.

InsuranceExampleTypical range
Business liabilityOperator with ten public charging points, €5 million limitabout €300 to €700 a year
Electronic equipmentFour fast chargers with a combined replacement value of €160,000about €1,500 to €3,500 a year
Electronic equipmentTen AC chargers with a combined replacement value of €40,000about €500 to €1,100 a year
Business interruptionCharging park with €200,000 annual turnoverabout €400 to €900 a year
Cyber insuranceBackend with app and card payment, €500,000 limitabout €800 to €1,800 a year

For comparison: A single collision with a fast charger can cost more than insuring the whole charging park for ten years.

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

We found no public tariffs for charging point operators.

The source supports the notification duty.

Sources of the price examples

Our suggestions: three packages

01

Site

For: Business with a few public charging points in its own car park

  • Business liability
  • Electronic equipment

Together about €800 to €1,800 a year

Request this package

02

Charging park

For: Operator of several sites with fast chargers and own backend

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

Together about €3,500 to €8,000 a year

Request this package

03

Network

For: Operator with many sites, storage and ongoing construction

  • Business liability
  • Electronic equipment
  • Machinery breakdown
  • Business interruption
  • Cyber insurance
  • Contractors all risks
  • Business legal expenses

Together from about €10,000 a year

Request this package

The worst day at a charging park

Six things that really happen to charging point operators, all on one single day. Tap through the day and see who pays.

Damage so far€94,500
  1. Thieves cut the cables of three chargers.

    €9,000 · Paid by: Electronic equipment

  2. A van reverses into the fast charger and drives off.

    €38,000 · Paid by: Electronic equipment

  3. The charger waits six weeks for a spare part and earns nothing.

    €7,000 · Paid by: Business interruption

  4. A pedestrian trips over a cable left on the ground and breaks a wrist.

    €9,500 · Paid by: Business liability

  5. After a fault a customer's onboard charger is broken and the owner claims.

    €6,000 · Paid by: Business liability

  6. The backend is attacked, all chargers go offline and card data is affected.

    €25,000 · Paid by: Cyber insurance

Which package would you have had?

Paid by insurance: €0
Out of your own pocket: €94,500

Illustrative amounts before any excess.

What is paid depends on the policy terms.

Practical tips from your broker

  1. Insure chargers at replacement value including installation, foundation and grid connection.
  2. Make sure collision by unknown drivers and vandalism are expressly included.
  3. Include damage to customer vehicles caused by charger faults in your liability policy.
  4. Agree business interruption with a long enough indemnity period, as spare parts take time.
  5. Agree with the site owner who insures charger, foundation and access.
  6. Notify new public charging points to the Federal Network Agency in good time.

Why NAMMERT for your business

We know equipment outdoors

From boat insurance we know what weather, water and vandalism do to equipment that lives outside.

Property and liability together

We align equipment, liability and downtime cover so a collision and the downtime after it do not fall between two policies.

Explained in English

We explain German policy terms in plain English and compare offers from several insurers.

Broking since 1989

Norman Nammert acts as an insurance broker. Our work is free for you; the insurer pays our commission.

Frequently asked questions

Questions and answers

Is insurance compulsory for charging points in Germany?

No.

What is compulsory is notifying publicly accessible charging points to the Federal Network Agency.

Public liability is still the most important cover.

Who pays if an unknown driver hits my charger?

Without a known driver, only your own property cover,

usually electronic equipment insurance including collision and vandalism.

Am I liable for damage to customers' cars?

If a fault in your charger causes the damage, the owner can claim.

Have this expressly included in your public liability.

Is cable theft covered?

In electronic equipment insurance with theft cover, usually yes.

Check the excess and security requirements.

What does insurance for a charging park cost?

For a few charging points about €800 to €1,800 a year in our quoting work,

for parks with fast chargers usually €3,500 to €8,000.

Do I need cyber insurance?

If chargers are controlled and billed through a backend, yes.

One attack can shut down every site at once.

NAMMERT insurance broker

Request quotes for EV charging

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 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?

Related trades

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Electrician

Will the insurer pay if a cable fire breaks out months after my job?

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