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Insurance for medical supply stores in Germany

A medical supply store in Germany, a Sanitätshaus, is a shop, a workshop and a delivery service in one. You fit braces and compression stockings, deliver wheelchairs and care beds and set them up in people's homes. Your customers are often already unwell, so mistakes hurt. This page explains which insurance fits and what it costs.

Insurance for medical supply stores

The question almost everyone asks first

Who pays if a customer is hurt by a care bed we set up?

If the accident goes back to a mistake in assembly, instruction or fitting, your business is liable. Public liability pays, provided that fitting, assembly at the customer's home and product liability are named in the policy. Make sure work in care homes and private flats is included too.

What goes wrong in this trade

  1. 01

    Fitting mistakes

    A brace that is too tight, a wheelchair set up wrongly, a stocking that causes pressure sores: these lead to injury claims.

  2. 02

    Assembly at home

    Care beds, bath lifts and stair aids are installed in customers' homes. One loose bolt can cause a serious fall.

  3. 03

    Rental fleet

    Wheelchairs and care beds sit in many different homes. Fire, water or theft there hits your property.

  4. 04

    Workshop and stock

    A fire or burst pipe can destroy tens of thousands of euros' worth of stock and workshop equipment.

  5. 05

    Health data

    Prescriptions, measurements and diagnoses sit in your software. An attack triggers reporting duties and costs.

  6. 06

    Disputes with health insurers

    Billing, approvals and contracts with health insurers are daily business. Cuts or claw backs end up with a lawyer.

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

Compared with other trades, 1 low to 5 high.

The insurance you need

Essential

Business liability

Covers injury and damage from advice, fitting, assembly at the customer's home and product liability, if these activities are named.

Strongly advised

Business contents

Replaces stock, workshop and shop fittings after fire, water, storm and burglary.

Electronic equipment

Covers foot scanners, measuring devices and the till system against operating errors, power surges and water.

Fleet insurance

Puts delivery vans and cars for home visits in one contract.

Depends on the business

Cyber insurance

For attacks on customer data, prescriptions and billing with health insurers.

What it costs: example prices

Liability is affordable for medical supply stores. Contents, workshop and the vehicles for delivery and home visits cost more.

InsuranceExampleTypical range
Business liabilityOne store with fitting and home assembly, up to five employeesabout €250 to €700 a year
Business contentsStock, workshop and fittings of €200,000, including burglaryabout €500 to €1,300 a year
Electronic equipmentScanners, measuring devices and till system of €40,000about €200 to €500 a year
Fleet insuranceThree vans and two cars, liability and partial coverabout €3,500 to €7,000 a year
Cyber insuranceStore with customer database and electronic billingabout €400 to €1,000 a year

For comparison: Liability, contents and electronics together cost a small store about as much a year as a well equipped lightweight wheelchair.

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

as of October 2026.

Your premium depends on turnover, staff, workshop and claims history.

Sources of the price examples

Our suggestions: three packages

01

Shop

For: Store with sales and fitting, no own delivery

  • Business liability
  • Business contents

Together about €750 to €2,000 a year

Request this package

02

Full supplier

For: Store with workshop, delivery and home assembly

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

Together about €4,500 to €10,000 a year

Request this package

03

Branches

For: Several branches, rental fleet and digital billing

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

Together priced individually, usually from about €10,000 a year

Request this package

The worst day in the medical supply store

Six things that really happen to medical supply stores, all on one Tuesday here. Tap through and see who pays.

Damage so far€68,800
  1. While unloading, a care bed slides off the ramp and damages a neighbour's car.

    €3,800 · Paid by: Fleet insurance

  2. A customer falls with a walker whose brake was set wrongly and breaks a wrist.

    €12,000 · Paid by: Business liability

  3. The foot scanner falls off the table during a measurement and the housing cracks.

    €6,500 · Paid by: Electronic equipment

  4. Installing a bath lift, a fitter drills into a water pipe and floods the bathroom.

    €9,500 · Paid by: Business liability

  5. Malware encrypts the customer database and billing with health insurers stops.

    €15,000 · Paid by: Cyber insurance

  6. A burst pipe above the stockroom soaks braces, stockings and packaging.

    €22,000 · Paid by: Business contents

Which package would you have had?

Paid by insurance: €0
Out of your own pocket: €68,800

Illustrative amounts before any excess.

What is paid depends on the policy terms.

Practical tips from your broker

  1. Have fitting, home assembly and instruction in the use of aids named as insured activities.
  2. Insure rental equipment outside your premises too, in homes and care homes.
  3. Check that damage to the customer's home during assembly, for example by drilling, is included.
  4. Keep an eye on your prequalification certificate: it expires after five years at the latest.
  5. Agree business interruption cover for workshop machines and scanners, not just for fire.
  6. Combine vans and field cars in one fleet policy once you run several vehicles.

Why NAMMERT for your business

We compare for you

Norman Nammert works as an independent insurance broker. We approach several insurers and lay out liability, contents and vehicles side by side.

We read the small print

Home assembly, rental equipment, product liability: we make sure your actual work is named in the policy.

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 does a medical supply store need?

Public liability that includes fitting, home assembly and product liability.

Add contents, electronics and, if you deliver, cover for the vehicles.

How much is liability for a medical supply store?

From our quoting work, about €250 to €700 a year for a single store,

depending on turnover and activities.

What do health insurers require from suppliers of aids?

Under § 126 SGB V you must prove your suitability,

usually with a certificate from a prequalification body that is valid for up to five years.

Is rental equipment in customers' homes insured?

Only if the policy says so.

Many contents policies apply only at the insured premises,

so have equipment outside your premises named.

Do I need cyber insurance?

It is not compulsory.

Because medical supply stores handle health data and bill electronically,

an attack is expensive and must be reported.

Are my employees covered for accidents at work?

Yes, employees have statutory accident insurance under § 2 SGB VII.

As the owner, check your own cover with your Berufsgenossenschaft or take out private accident

insurance.

NAMMERT insurance broker

Request quotes for Medical supply store

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

Fleet insurance in Germany (Kfz-Flottenversicherung)

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

4Your current policy
5How can we reach you?

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

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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