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Insurance for Self-employed or freelancer: what you really need

Freelancers must organise health insurance themselves and usually have no statutory pension cover. Professional indemnity is compulsory for many regulated professions and essential for anyone who advises, designs or codes. Plan sick pay and retirement from day one.

Only in certain cases
  • Hospital daily cash

    Your real risk is lost income during long illness, which needs sick pay cover,

    not a small daily amount in hospital.

  • Separate insurance for one laptop

    One device is replaced from the business account.

    Equipment cover pays off only for expensive kit.

What you really need, policy by policy

Professional indemnity

Professional indemnity insurance, in German Berufshaftpflicht or Vermögensschadenhaftpflicht, …

Occupational disability

Berufsunfähigkeitsversicherung, usually shortened to BU, pays a monthly pension if illness or …

Personal liability

In Germany, anyone who negligently causes damage to someone else pays for it in full, with no …

Private pension

Germany splits retirement saving into three tax layers, and the layer you choose decides what …

Business legal expenses

Firmenrechtsschutz pays lawyers, court fees and experts when your business is involved in a …

Cyber insurance

If you run a company in Germany, a ransomware attack or data breach is your cost, not your IT …

Supplementary health

If you are in German public health insurance, you are well covered for medical treatment, but …

Private health insurance

Germany runs two parallel systems: statutory health insurance (GKV) for about nine in ten …

Business contents

In Germany, a business insures its furniture, equipment, machinery and stock through an …

Electronic equipment

German businesses insure computers, tills, phone systems, medical and measuring devices …

Why this order

The rule: existential risks first, expensive ones second, comfort last

Other situations