Skip to content

Insurance broker / Business types

Which insurance does my business need?

From hairdresser to wind farm: 153 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.

Construction and trades

Electrician

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

Roofer

Who pays if a thunderstorm comes overnight and rain gets into the stripped roof?

Carpentry

Will the insurer pay if a roof structure starts to sag years later?

Painter

Will liability insurance pay if I damage the customer's floor or furniture while painting?

Tiler

Who pays if my shower waterproofing starts leaking after a year?

Joinery

Is my customer's kitchen insured if it burns in my workshop?

Builder

Who pays if the house next door cracks while we dig the foundation pit?

Demolition

Will my liability policy pay if the neighbour's gable wall cracks during demolition?

Civil engineering

Who pays if we hit a power cable while digging and an industrial estate loses power?

Drywall

Will the insurer pay if a fire wall fails inspection?

Glazier

Who pays if the double-glazed unit breaks while I am fitting it?

Scaffolding

Am I liable if another tradesman falls from the scaffold?

Chimney sweep

Am I liable if someone suffers carbon monoxide poisoning after my measurement?

Metalwork

Am I liable if a gate I built traps a child?

Landscaping

Who pays if a stone thrown up while mowing smashes a car window?

Retail and wholesale

Retail

Will the insurer pay if someone steals goods from my shop?

Grocery shop

Will insurance pay if the refrigeration fails overnight and the stock goes off?

Bakery

Will insurance pay if the oven simply breaks down?

Butcher

Who pays if the cold room breaks down over the weekend?

Online shop

Am I liable as a retailer if a product from China injures someone?

Fashion shop

Is my stock insured if someone walks out of the shop with it?

Jeweller

Is ordinary contents insurance enough for my jewellery?

Electronics shop

Who pays if a customer's phone dies while we are replacing the screen?

Pharmacy

Will insurance pay if we hand out the wrong medicine?

Optician

Who pays if a customer falls after we got their prescription wrong?

Florist

Are the plants outside my shop insured?

Pet shop

Who pays if an animal from my shop bites a customer?

Bike shop

Am I liable if a customer crashes because of the brakes after a service?

Sports shop

Am I liable if someone breaks a leg after I set their ski bindings?

DIY store

Am I liable if a customer is injured using a machine they hired from me?

Furniture retail

Who pays if my fitter drills into a water pipe while installing a kitchen?

Kiosk

Are my cigarettes fully covered if someone breaks in?

Bookshop

Are my books covered if a pipe bursts in the flat upstairs?

Chemist

Will my insurer pay if perfume is stolen from the shelf?

Antiques

How do I insure stock whose value nobody knows exactly?

Wholesale

Am I liable for faulty goods I only resell?

Sales agent

Do I really need business liability insurance as a sales agent?

Hospitality

Restaurant

Will my insurer pay if guests fall ill after eating?

Takeaway

Is motor insurance enough for my food truck?

Café

Is my espresso machine covered if it simply breaks down?

Bar

Will my insurer pay if guests get into a fight?

Catering

Am I covered if I damage something at the venue?

Hotel

Am I liable if something is stolen from a guest's room?

Holiday let

Will my private liability policy pay if a holiday guest is injured?

Campsite

Who pays if a tree falls on a caravan in a storm?

Health and care

Dentist

Does professional liability pay if an implant fails?

Dental lab

Who pays if a crown breaks and the patient is hurt?

Physiotherapy

Do I need professional liability insurance to be approved by the health insurers?

Home care

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

Care home

Is the home liable every time a resident falls?

Midwife

How much of my liability premium do the health insurers pay back?

Vet

Does the insurer pay if an animal dies after anaesthesia?

Clinic

Why are our liability premiums rising when we hardly have any claims?

Professional services

Lawyer

Is the statutory minimum of 250,000 euros enough?

Tax adviser

Are my payroll and bookkeeping staff covered?

Architect

What sum insured does my chamber of architects require?

Expert

Am I liable as a court-appointed expert too?

Interpreter

Is insurance worth it if my jobs are small?

Staffing agency

Who is liable if my temp damages something at the client's site?

Research

Are our samples insured if the freezer fails?

IT, media and creative

Web designer

Who pays if my client receives a cease and desist letter over an image on the website?

Hosting

Does the insurer pay the service credits from my SLA?

Advertising agency

Will insurance pay if we receive a cease and desist letter over an image?

Designer

Do I really need insurance as a solo designer?

Photographer

Is my camera covered by my home contents or business contents insurance?

Film production

Is an annual policy enough, or do I need separate cover for every film?

Publisher

Will insurance pay the lawyers if we are hit with an interim injunction?

Influencer

Will insurance pay if I get a warning letter for hidden advertising?

Telecommunications

Are we liable if our customers have no internet for a day because of a fault?

Printer

Will insurance pay if we print a job wrongly?

Transport and logistics

Freight forwarder

Do I need insurance at all as a forwarder without my own lorries?

Haulier

Do I need goods in transit liability even with just one lorry?

Removal company

What exactly am I liable for if something breaks during a move?

Courier

I only drive a Sprinter under 3.5 tonnes. Do I still need carrier's liability insurance?

Taxi

Why does a taxi cost so much more to insure than my private car?

Car hire

Can I insure my hire cars on ordinary motor tariffs?

Driving school

Who pays if a learner causes an accident during a lesson?

Shipping

Does NAMMERT also insure my passenger vessel or my shipyard?

Aviation

What is the minimum insurance I need to operate an aircraft?

Manufacturing

Farming and nature

Arable farming

Is hail or multi peril crop insurance worth it for my farm?

Riding stable

Who pays if a livery horse is injured in our paddock?

Pet care

Isn't the owner's dog liability policy enough if their dog bites someone while with me?

Services

Cleaning company

What happens if one of my cleaners loses a client's master key?

Caretaker service

Am I liable if someone falls on a pavement I was supposed to clear?

Security company

Are the legal minimum limits enough for my security liability cover?

Laundry

Does my insurance pay if a garment is ruined during cleaning?

Household help

Is my personal liability insurance enough if I clean for clients?

Event agency

Who is liable if a guest is injured at an event: the agency, the client or the venue?

Travel agency

Am I already a tour operator if I sell a flight and hotel together?

Office services

Which insurance pays if my mistake loses a client one of their customers or causes a missed deadline?

Repair service

Does my liability insurance pay if a customer's device breaks while I repair it?

Beauty and wellbeing

Hairdresser

Does public liability pay if a colour goes wrong?

Beauty salon

Are all my treatments automatically covered by my public liability policy?

Tattoo studio

Does insurance pay if a client is unhappy with the design?

Gym

Am I liable if a member is injured on a machine?

Sport, culture and leisure

Sports club

Isn't the cover through the state sports federation enough?

Leisure park

Does the disclaimer on the entry ticket protect me?

Artist

Is my instrument covered by my home contents insurance?

Museum

Is ordinary contents insurance enough for artworks?

Arcade

Is the money in the gaming machines insured?

Boat hire

Can I insure my hire boats on an ordinary boat policy?

Sailing school

Are our school boats covered by an ordinary boat policy?

Music school

Are we liable if a child is hurt in a dance class?

Property and finance

Estate agent

Do I really need professional indemnity as an estate agent?

Landlord

Can I pass the insurance premiums on to my tenants?

Education and social care

Nursery

Who pays if a child is hurt while in our care?

Private school

Are our pupils covered by statutory accident insurance?

Seminar provider

As a trainer, do I need public liability or professional indemnity?

Social services

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

Energy and environment

Energy generation

Does the insurance pay when the grid operator curtails our plant?

The most expensive worst days

On every page we play through a day on which everything goes wrong. These are the ten most expensive.

  1. Midwife€2,521,900
  2. Sawmill and timber industry€2,419,800
  3. Clinic€2,285,000
  4. Plastics processing€1,399,000
  5. Chemicals and pharma€1,308,000
  6. Paper and packaging€1,268,000
  7. Waste and recycling€1,085,800
  8. Wholesale€890,500
  9. Metal processing€851,000
  10. Vehicle and boat building€646,500

Trade duel

Two trades, one radar: which carries more risk?

Liability Fire and water Theft Cyber Downtime Health

The official classification

Every subclass of the German classification of economic activities, 2025 edition (WZ 2025), with its official German title. At class level (four digits) the codes match the European NACE.

ALAND- UND FORSTWIRTSCHAFT, FISCHEREI

01 Landwirtschaft, Jagd und damit verbundene Tätigkeiten

02 Forstwirtschaft und Holzeinschlag

03 Fischerei und Aquakultur

BBERGBAU UND GEWINNUNG VON STEINEN UND ERDEN

05 Kohlenbergbau

06 Gewinnung von Erdöl und Erdgas

07 Erzbergbau

08 Gewinnung von Steinen und Erden, sonstiger Bergbau

09 Erbringung von Dienstleistungen für den Bergbau und für die Gewinnung von Steinen und Erden

CVERARBEITENDES GEWERBE

10 Herstellung von Nahrungs- und Futtermitteln

11 Getränkeherstellung

12 Tabakverarbeitung

13 Herstellung von Textilien

14 Herstellung von Bekleidung

15 Herstellung von Leder, Lederwaren und ähnlichen Produkten aus anderen Materialen

16 Herstellung von Holz-, Flecht-, Korb- und Korkwaren, ohne Möbel

17 Herstellung von Papier, Pappe und Waren daraus

18 Herstellung von Druckerzeugnissen; Vervielfältigung von bespielten Ton-, Bild- und Datenträgern

19 Kokerei und Mineralölverarbeitung

20 Herstellung von chemischen Erzeugnissen

21 Herstellung von pharmazeutischen Erzeugnissen

22 Herstellung von Gummi- und Kunststoffwaren

23 Herstellung von Glas und Glaswaren, Keramik, Verarbeitung von Steinen und Erden

24 Metallerzeugung und -bearbeitung

25 Herstellung von Metallerzeugnissen

26 Herstellung von Datenverarbeitungsgeräten, elektronischen und optischen Erzeugnissen

27 Herstellung von elektrischen Ausrüstungen

28 Maschinenbau

29 Herstellung von Kraftwagen und Kraftwagenteilen

30 Sonstiger Fahrzeugbau

31 Herstellung von Möbeln

32 Herstellung von sonstigen Waren

33 Reparatur, Instandhaltung und Installation von Maschinen und Ausrüstungen

DENERGIEVERSORGUNG

35 Energieversorgung

EWASSERVERSORGUNG; ABWASSER- UND ABFALLENTSORGUNG UND BESEITIGUNG VON UMWELTVERSCHMUTZUNGEN

36 Wasserversorgung

37 Abwasserentsorgung

38 Sammlung, Verwertung und Beseitigung von Abfällen

39 Beseitigung von Umweltverschmutzungen und sonstige Tätigkeiten in der Abfallbewirtschaftung

FBAUGEWERBE

41 Hochbau

42 Tiefbau

43 Vorbereitende Baustellenarbeiten, Bauinstallation und sonstiges Ausbaugewerbe

GHANDEL

46 Großhandel

47 Einzelhandel

HVERKEHR UND LAGEREI

49 Landverkehr und Transport in Rohrfernleitungen

50 Schifffahrt

51 Luftfahrt

52 Lagerei sowie Erbringung von sonstigen Dienstleistungen für den Verkehr

53 Post-, Kurier- und Expressdienste

IGASTGEWERBE

55 Beherbergung

56 Gastronomie

JVERLAGSWESEN, RUNDFUNK SOWIE ERSTELLUNG UND VERBREITUNG VON MEDIENINHALTEN

58 Verlagswesen

59 Herstellung, Verleih und Vertrieb von Filmen und Fernsehprogrammen; Kinos; Tonstudios und Verlegen von Musik

60 Rundfunkveranstalter, Nachrichtenagenturen und sonstige Verbreitung von Medieninhalten

KTELEKOMMUNIKATION, SOFTWAREENTWICKLUNG, IT-BERATUNG UND ERBRINGUNG SONSTIGER DIENSTLEISTUNGEN DER INFORMATIONSTECHNOLOGIE UND DER COMPUTERINFRASTRUKTUR

61 Telekommunikation

62 Erbringung von Dienstleistungen der Informationstechnologie

63 Datenverarbeitung, Hosting und Erbringung sonstiger Informationsdienstleistungen

LERBRINGUNG VON FINANZ- UND VERSICHERUNGSDIENSTLEISTUNGEN

64 Erbringung von Finanzdienstleistungen

65 Versicherungen, Rückversicherungen und Pensionskassen, ohne Sozialversicherung

66 Mit Finanz- und Versicherungsdienstleistungen verbundene Tätigkeiten

MGRUNDSTÜCKS- UND WOHNUNGSWESEN

68 Grundstücks- und Wohnungswesen

NERBRINGUNG VON WISSENSCHAFTLICHEN UND TECHNISCHEN DIENSTLEISTUNGEN

69 Rechts- und Steuerberatung, Wirtschaftsprüfung

70 Verwaltung und Führung von Unternehmen und Betrieben; Unternehmensberatung

71 Tätigkeiten von Architektur- und Ingenieurbüros; technische, physikalische und chemische Untersuchung

72 Forschung und Entwicklung

73 Werbung und Marktforschung sowie Public-Relations-Beratung

74 Sonstige wissenschaftliche und technische Tätigkeiten

75 Veterinärwesen

OERBRINGUNG VON SONSTIGEN WIRTSCHAFTLICHEN DIENSTLEISTUNGEN

77 Vermietung und Leasing

78 Vermittlung und Überlassung von Arbeitskräften

79 Reisebüros, Reiseveranstalter und Erbringung sonstiger Reservierungsdienstleistungen

80 Wach- und Sicherheitsdienste sowie Detekteien

81 Gebäudebetreuung; Garten- und Landschaftsbau

82 Erbringung von wirtschaftlichen Dienstleistungen für Unternehmen und Privatpersonen

PÖFFENTLICHE VERWALTUNG, VERTEIDIGUNG; SOZIALVERSICHERUNG

84 Öffentliche Verwaltung, Verteidigung; Sozialversicherung

  • 84.11.0Allgemeine öffentliche Verwaltung (no page of its own)
  • 84.12.1Öffentliche Verwaltung des Gesundheitswesens (no page of its own)
  • 84.12.2Öffentliche Verwaltung der Bildung (no page of its own)
  • 84.12.3Öffentliche Verwaltung der Kultur und des Sports (no page of its own)
  • 84.12.4Öffentliche Verwaltung des Sozialwesens (no page of its own)
  • 84.12.5Öffentliche Verwaltung des Umwelt- und Naturschutzes (no page of its own)
  • 84.12.9Öffentliche Verwaltung a. n. g. (no page of its own)
  • 84.13.0Wirtschaftsförderung, -ordnung und -aufsicht (no page of its own)
  • 84.21.0Auswärtige Angelegenheiten (no page of its own)
  • 84.22.0Verteidigung (no page of its own)
  • 84.23.0Rechtspflege (no page of its own)
  • 84.24.0Öffentliche Sicherheit und Ordnung (no page of its own)
  • 84.25.0Feuerwehren (no page of its own)
  • 84.30.0Sozialversicherung (no page of its own)
QERZIEHUNG UND UNTERRICHT

85 Erziehung und Unterricht

RGESUNDHEITS- UND SOZIALWESEN

86 Gesundheitswesen

87 Heime, ohne Erholungs- und Ferienheime

88 Sozialwesen, ohne Heime

SKUNST, SPORT UND ERHOLUNG

90 Kunstschaffende Tätigkeiten und Tätigkeiten in der darstellenden Kunst

91 Bibliotheken, Archive, Museen, botanische und zoologische Gärten

92 Spiel-, Wett- und Lotteriewesen

93 Erbringung von Dienstleistungen des Sports, der Unterhaltung und der Erholung

TERBRINGUNG VON SONSTIGEN DIENSTLEISTUNGEN

94 Interessenvertretungen sowie kirchliche und sonstige religiöse Vereinigungen, ohne Sozialwesen und Sport

95 Reparatur und Instandhaltung von Datenverarbeitungsgeräten und Gebrauchsgütern sowie von Kraftwagen und Krafträdern

96 Erbringung von überwiegend persönlichen Dienstleistungen

UPRIVATE HAUSHALTE MIT HAUSPERSONAL SOWIE HERSTELLUNG VON WAREN UND ERBRINGUNG VON DIENSTLEISTUNGEN DURCH PRIVATE HAUSHALTE FÜR DEN EIGENBEDARF OHNE AUSGEPRÄGTEN SCHWERPUNKT

97 Private Haushalte mit Hauspersonal

98 Herstellung von Waren und Erbringung von Dienstleistungen durch private Haushalte für den Eigenbedarf ohne ausgeprägten Schwerpunkt

VEXTERRITORIALE ORGANISATIONEN UND KÖRPERSCHAFTEN

99 Exterritoriale Organisationen und Körperschaften

  • 99.00.0Exterritoriale Organisationen und Körperschaften (no page of its own)

Source: Federal Statistical Office of Germany (Destatis), WZ 2025. destatis.de

One request for everything

Pick the types, give the details insurers need, get a comparison.

NAMMERT Assekuradeur GmbH, insurance broker licensed under section 34d(1) of the German Trade Regulation Act, broker register no. D-C08Q-TOSD4-37. For boat and yacht insurance we act as underwriting agency, not as broker. Statutory disclosure (German)