Will the insurer pay if a cable fire breaks out months after my job?
Insurance broker / Business types
Which insurance does my business need?
From hairdresser to wind farm: 271 business types, each with the insurance it really needs in Germany, example prices, three packages and the worst day that trade can have. Sorted by the official German classification of economic activities.
Nothing found. Tell us what you do and we will place it.
Construction and trades
Will the insurer pay if my press fitting leaks and the flat below gets wet?
Who pays if a thunderstorm comes overnight and rain gets into the stripped roof?
Will the insurer pay if a roof structure starts to sag years later?
Will liability insurance pay if I damage the customer's floor or furniture while painting?
Who pays if my shower waterproofing starts leaking after a year?
Is my customer's kitchen insured if it burns in my workshop?
Who pays if the house next door cracks while we dig the foundation pit?
Will my liability policy pay if the neighbour's gable wall cracks during demolition?
Who pays if we hit a power cable while digging and an industrial estate loses power?
Will the insurer pay if a fire wall fails inspection?
Who pays if the double-glazed unit breaks while I am fitting it?
Am I liable if another tradesman falls from the scaffold?
Am I liable if someone suffers carbon monoxide poisoning after my measurement?
Am I liable if a gate I built traps a child?
Who pays if a stone thrown up while mowing smashes a car window?
Are my customers' cars insured while they are in my workshop?
Who pays if a wall of my stand falls over and injures visitors?
Is public liability enough, or do I also need contract works insurance?
Does my public liability pay if I damage a client's paint while polishing?
Does my liability insurance pay if I damage the facade I am working on?
Does my public liability pay if drilling pollutes the groundwater?
Who pays if a client's car burns in my spray booth?
Who pays if a customer crashes a new bike on a test ride?
Does my public liability pay if a window leaks and water gets into the wall?
Who pays if the dishwasher hose leaks after we fitted the kitchen?
Is my customer's sofa insured while it sits in my workshop?
Who is liable if a headstone falls over years after it was set?
Does my public liability cover asbestos work at all?
Are my dryers insured while they are at the customer's home?
Are my customers' stored tyres insured?
Retail and wholesale
Will the insurer pay if someone steals goods from my shop?
Will insurance pay if the refrigeration fails overnight and the stock goes off?
Will insurance pay if the oven simply breaks down?
Who pays if the cold room breaks down over the weekend?
Am I liable as a retailer if a product from China injures someone?
Is my stock insured if someone walks out of the shop with it?
Is ordinary contents insurance enough for my jewellery?
Who pays if a customer's phone dies while we are replacing the screen?
Will insurance pay if we hand out the wrong medicine?
Who pays if a customer falls after we got their prescription wrong?
Are the plants outside my shop insured?
Who pays if an animal from my shop bites a customer?
Am I liable if a customer crashes because of the brakes after a service?
Am I liable if someone breaks a leg after I set their ski bindings?
Am I liable if a customer is injured using a machine they hired from me?
Who pays if my fitter drills into a water pipe while installing a kitchen?
Are the cars on my forecourt insured against hail?
Who pays if our car wash damages a customer's car?
Are my cigarettes fully covered if someone breaks in?
Are my books covered if a pipe bursts in the flat upstairs?
Will my insurer pay if perfume is stolen from the shelf?
How do I insure stock whose value nobody knows exactly?
Am I liable for faulty goods I only resell?
Do I really need business liability insurance as a sales agent?
The market organiser wants proof of liability insurance. Is my personal liability policy…
Isn't my machine covered by the host's insurance?
Who pays if a customer is hurt by a care bed we set up?
Who pays if a consigned painting is damaged in our store?
Hospitality
Will my insurer pay if guests fall ill after eating?
Is motor insurance enough for my food truck?
Is my espresso machine covered if it simply breaks down?
Will my insurer pay if guests get into a fight?
Am I covered if I damage something at the venue?
Am I liable if something is stolen from a guest's room?
Will my private liability policy pay if a holiday guest is injured?
Who pays if a tree falls on a caravan in a storm?
The pupils are insured through their school, so why do I need liability cover?
Who pays if forty staff fall ill after lunch?
Health and care
How high does my professional liability cover have to be?
Does professional liability pay if an implant fails?
Who pays if a crown breaks and the patient is hurt?
Do I need professional liability insurance to be approved by the health insurers?
Am I covered for every therapy I offer?
What sum insured do I need with a Kassensitz?
Who pays if a carer loses a patient's key?
Is the home liable every time a resident falls?
How much of my liability premium do the health insurers pay back?
Does the insurer pay if an animal dies after anaesthesia?
Why are our liability premiums rising when we hardly have any claims?
Who pays if we crash while driving under blue lights?
Can I practise in Germany with my foreign osteopathy or chiropractic degree?
My qualification is from abroad. Can I work as a speech therapist in Germany?
Does my liability policy pay if a horse I treat is injured?
Am I covered when I advise clients with diabetes or allergies?
Do I really need professional liability insurance as a doula in Germany?
Does my UK or US counselling insurance cover me in Germany?
Who pays if a swapped result leads to the wrong treatment?
Who pays if a family files an application too late because of my advice?
Who pays if a patient falls because a prosthetic socket breaks?
Are our volunteers insured if they damage something during a visit?
Who pays if a resident scratches a parked car while unsupervised?
Who is liable if a placed carer does not help a senior get up and she falls?
As an agency nurse, am I covered by the care home's liability insurance?
Do I need a German permit to work as a massage therapist?
Professional services
Is the statutory minimum of 250,000 euros enough?
Are my payroll and bookkeeping staff covered?
How high should my sum insured be?
What sum insured does my chamber of architects require?
As an employed engineer, am I covered by the firm?
Am I liable as a court-appointed expert too?
Is insurance worth it if my jobs are small?
Do I need a separate policy for each licence?
Who is liable if my temp damages something at the client's site?
Are our samples insured if the freezer fails?
As a board member, am I liable with my private assets?
My client lost a subsidy because of a mistake in the application. Do I have to pay?
Is the €250,000 minimum enough?
Is general business liability enough for my work as a data protection officer?
Is financial loss liability cover, as for management consultants, enough?
Does my law firm's professional indemnity cover my work as an insolvency administrator?
Do I need professional indemnity or is general liability enough?
How can a mediator be liable when the parties make the decisions?
Is the statutory 250,000 euros per claim enough?
How much cover do I need as a surveyor in Germany?
Is the chamber minimum enough for a structural engineer?
Are the chamber minimum sums enough for a landscape architect?
Is an agency liable if a client loses money because of a wrong study?
Is the legal minimum of 250,000 euros enough for my agency?
Is the minimum of 250,000 euros enough for my practice?
I am a lawyer or tax adviser. Does my professional indemnity cover executorships?
The company has D&O cover. Do I need my own?
Is my general liability policy enough as a freelance site manager?
IT, media and creative
Do I need IT liability and cyber insurance, or is one enough?
Who pays if my client receives a cease and desist letter over an image on the website?
Does the insurer pay the service credits from my SLA?
Will insurance pay if we receive a cease and desist letter over an image?
Do I really need insurance as a solo designer?
Is my camera covered by my home contents or business contents insurance?
Is an annual policy enough, or do I need separate cover for every film?
Is a podcaster liable for what guests say?
Will insurance pay the lawyers if we are hit with an interim injunction?
Will insurance pay if I get a warning letter for hidden advertising?
Are we liable if our customers have no internet for a day because of a fault?
Will insurance pay if we print a job wrongly?
Is my personal liability insurance enough if I fly paid jobs?
Isn't the publisher liable if something in my book is wrong?
We only send texts the client has approved. Why do we need liability cover?
Who pays if a booked model does not show up and the whole shoot is cancelled?
Transport and logistics
Do I need insurance at all as a forwarder without my own lorries?
Do I need goods in transit liability even with just one lorry?
What exactly am I liable for if something breaks during a move?
I only drive a Sprinter under 3.5 tonnes. Do I still need carrier's liability insurance?
Why does a taxi cost so much more to insure than my private car?
What limit does a coach need?
Can I insure my hire cars on ordinary motor tariffs?
Who pays if a learner causes an accident during a lesson?
Does NAMMERT also insure my passenger vessel or my shipyard?
Does our public liability policy pay if a third party boat is damaged during craning?
What is the minimum insurance I need to operate an aircraft?
Who pays if a customer's car slides off my flatbed?
Who pays if I damage a car I am delivering?
Are we liable if a customer's car is damaged or stolen in our car park?
A customer reports a dent the previous user might have caused. Who pays?
My drivers use their own cars or bikes. Who pays if something happens?
Am I liable for my tenants’ belongings after a break in?
Does my insurance pay if there is no snow?
A horse is injured in the trailer during the journey. Who pays?
Manufacturing
Machinery and plant engineering
Does our general liability pay if our machine brings the customer's production to a halt?
Who pays if coolant or quenching oil leaks into the ground?
Are my customers' injection moulds covered at my premises?
Is general liability with environmental liability enough?
Does my insurance pay if we have to recall a batch?
Is the beer covered if a fermentation tank cracks?
Are we liable if harmful substances are found in our clothing?
Why is it so hard for sawmills to get fire insurance?
Are we also covered for faults in the firmware?
Who pays if a customer's boat or vehicle is damaged in our hall?
Building materials, glass and ceramics
Who pays if our paving stones start flaking after one winter?
Who pays if 200,000 folding boxes carry the wrong allergen information?
Small manufacturing and crafts
Is my customer's violin covered if my workshop is burgled?
Do I need a specialist industrial broker?
I only print from client files. Am I still liable?
My roaster caught fire but the room is barely damaged. Does my contents insurance pay?
Who pays if a customer reacts to a nut in one of my pralines?
Is the cheese in my ripening cellar insured if the climate control fails?
Can I get fire insurance for an old mill by a stream?
Is my customer's violin insured while it is in my workshop?
Am I liable if a rider falls because of a girth I stitched?
Am I covered if I ruin a customer's parts during coating?
Is it covered if my operator crashes the spindle into the workpiece?
Who pays if a student burns themselves on the kiln?
Who pays if I misprint my customer's shirts?
Farming and nature
Is hail or multi peril crop insurance worth it for my farm?
The animal disease fund pays anyway, so why do I need insurance?
Is frost insurance worth it for my vineyards?
Are my plants covered if the heating fails in winter?
As a woodland owner, am I liable if a branch falls on a walker?
Can I insure my fish stock against dying?
Who pays if a livery horse is injured in our paddock?
Isn't the owner's dog liability policy enough if their dog bites someone while with me?
Are my bee colonies covered if they die from foulbrood?
I trained as a farrier abroad. Can I shoe horses in Germany?
Is the statutory minimum for hunting liability enough?
Will my business liability pay if I nick a client's dog while clipping?
Isn't motor liability enough for my machines?
Who pays if a shelter dog knocks a cyclist over during a walk?
Does my liability insurance pay if an urn is mixed up?
Services
What happens if one of my cleaners loses a client's master key?
Am I liable if someone falls on a pavement I was supposed to clear?
Are the legal minimum limits enough for my security liability cover?
Who pays if a client's pet eats a bait?
Does my insurance pay if a garment is ruined during cleaning?
Which insurance do I really need as a funeral director?
Is my personal liability insurance enough if I clean for clients?
Who is liable if a guest is injured at an event: the agency, the client or the venue?
Am I already a tour operator if I sell a flight and hotel together?
Which insurance pays if my mistake loses a client one of their customers or causes a missed…
Who pays if a customer breaks my equipment?
Does my liability insurance pay if a customer's device breaks while I repair it?
Who pays if someone falls on an area I was supposed to clear?
Does my public liability pay if we damage the stairwell while carrying furniture out?
Does my liability insurance pay if the cable machine breaks the pipe?
Does my liability insurance pay if ozone treatment damages furniture or electronics?
Who is liable if a child is hurt on my bouncy castle?
Who pays if an extinguisher I serviced fails in a fire?
Will my business liability pay if I ruin a customer's dress while altering it?
Beauty and wellbeing
Does public liability pay if a colour goes wrong?
Are all my treatments automatically covered by my public liability policy?
Am I liable if a guest collapses in the sauna?
Does insurance pay if a client is unhappy with the design?
Am I liable if a member is injured on a machine?
Am I covered by the gym where I work as a freelance trainer?
Is a beauty liability policy enough if I also do medical foot care?
Is my martial arts school liable if a member gets injured in training?
Sport, culture and leisure
Isn't the cover through the state sports federation enough?
Does the disclaimer on the entry ticket protect me?
Is my instrument covered by my home contents insurance?
Is ordinary contents insurance enough for artworks?
Is the money in the gaming machines insured?
Can I insure my hire boats on an ordinary boat policy?
Are our school boats covered by an ordinary boat policy?
Are we liable if a child is hurt in a dance class?
Who is liable if a golf ball hits a car on the road next to the course?
What happens if a pinsetter breaks down?
Are our dive boat and compressor covered under an ordinary policy?
Are we automatically liable if something happens in the pool?
A guest trips over my cable and breaks a wrist. Who pays?
Am I covered by my personal liability insurance as a freelance ski instructor?
Don't guests on a mountain take their own risk?
Who pays if a show is cancelled because the lead actor is ill?
Is the circus liable if an animal injures a visitor?
Who pays if my festival has to be cancelled because of a storm?
Do I have to pay if a child falls off a slide while the parents are watching?
Do I really need insurance as a freelance city guide?
Will my liability insurance pay if I damage the paint layer while cleaning?
Property and finance
Is the minimum cover of 500,000 euros enough?
Do I really need professional indemnity as an estate agent?
Can I pass the insurance premiums on to my tenants?
Aren't we covered by our contractors' insurance?
Do I need to insure my own flat as well?
Why does our buildings premium rise every year although we renovate?
Am I liable if a member trips over a cable?
Is it enough to insure the pledges for the amount I have lent?
Education and social care
Who pays if a child is hurt while in our care?
Are our pupils covered by statutory accident insurance?
As a trainer, do I need public liability or professional indemnity?
Who pays if a young person from our residential group damages something?
Does my personal liability policy cover my work with children?
Are climbing and canoeing covered by a standard public liability policy?
Is ordinary public liability enough for my language school?
Am I insured through the adult education centre or university I teach for?
Am I covered by the youth welfare provider I work for?
Energy and environment
Does the insurance pay when the grid operator curtails our plant?
Why is it so hard to insure a recycling hall against fire?
Are our excavators and wheel loaders protected by motor insurance?
Is my charger covered by my building insurance?
Public sector
Our school is insured by the town. Why would we need a broker?
The town insures everything, doesn't it? What does the association need?
We are already in a municipal loss pool. Why would we need a broker?
Does a public university need a broker at all?
The most expensive worst days
On every page we play through a day on which everything goes wrong. These are the ten most expensive.
- Industrial company€2,555,000
- Midwife€2,521,900
- Sawmill and timber industry€2,419,800
- Clinic€2,285,000
- Plastics processing€1,399,000
- Chemicals and pharma€1,308,000
- Paper and packaging€1,268,000
- Waste and recycling€1,085,800
- Mill€954,500
- Wholesale€890,500
Trade duel
Two trades, one radar: which carries more risk?
Pick the types, give the details insurers need, get a comparison.