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.

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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.
What you really need, policy by policy
Professional indemnity insurance, in German Berufshaftpflicht or Vermögensschadenhaftpflicht, …
Berufsunfähigkeitsversicherung, usually shortened to BU, pays a monthly pension if illness or …
In Germany, anyone who negligently causes damage to someone else pays for it in full, with no …
Germany splits retirement saving into three tax layers, and the layer you choose decides what …
Firmenrechtsschutz pays lawyers, court fees and experts when your business is involved in a …
If you run a company in Germany, a ransomware attack or data breach is your cost, not your IT …
If you are in German public health insurance, you are well covered for medical treatment, but …
Germany runs two parallel systems: statutory health insurance (GKV) for about nine in ten …
In Germany, a business insures its furniture, equipment, machinery and stock through an …
German businesses insure computers, tills, phone systems, medical and measuring devices …
Why this order
The rule: existential risks first, expensive ones second, comfort last