Professional indemnity
Professional indemnity insurance, in German Berufshaftpflicht or Vermögensschadenhaftpflicht, covers financial loss caused by a mistake in your advice, design or service. For lawyers, tax …
Occupational disability
Berufsunfähigkeitsversicherung, usually shortened to BU, pays a monthly pension if illness or injury leaves you unable to work in your own occupation. It is the closest German equivalent to …
Personal liability
In Germany, anyone who negligently causes damage to someone else pays for it in full, with no upper limit. Private liability insurance (Privathaftpflicht) pays justified claims and fights …
Private pension
Germany splits retirement saving into three tax layers, and the layer you choose decides what you can deduct today, what is taxed later and whether you can take the money with you. For …
Business legal expenses
Firmenrechtsschutz pays lawyers, court fees and experts when your business is involved in a legal dispute. It is common in Germany, where fees follow a statutory scale and the loser …
Cyber insurance
If you run a company in Germany, a ransomware attack or data breach is your cost, not your IT provider's: forensics, recovery, lost revenue and claims from customers. A German cyber policy …
Supplementary health
If you are in German public health insurance, you are well covered for medical treatment, but not for everything you may be used to. Supplementary policies from private insurers add …
Private health insurance
Germany runs two parallel systems: statutory health insurance (GKV) for about nine in ten residents and private health insurance (PKV) for the self-employed, civil servants and employees …
Business contents
In Germany, a business insures its furniture, equipment, machinery and stock through an Inhaltsversicherung, separate from the building and separate from liability. Cover is usually built …
Electronic equipment
German businesses insure computers, tills, phone systems, medical and measuring devices through a dedicated Elektronikversicherung. It covers almost any sudden damage, including accidental …