# Insurance for self employed care advisors in Germany

> Care advisors in Germany visit families at home, often at difficult moments. You explain long term care insurance benefits, write care plans and carry out the advice visits that people receiving care allowance must have regularly. Wrong advice can cost money, and a home visit can cause damage. Whether you are self employed or run a recognised advice centre, this page shows what should be insured and what it costs.

Quelle/Source: https://www.nammert.com/en/business-insurance-care-advisor.php  
Updated: 2026-10-15

## Who pays if a family files an application too late because of my advice?

If they lose benefits as a result, that is pure financial loss. Only professional indemnity covers it, not standard public liability. Record your advice in writing; it helps in any dispute and is usual for advice visits anyway.

## At a glance

- **Advice visits:** People receiving care allowance (Pflegegeld) must book an advice visit every six months under § 37(3) SGB XI; recognised neutral and independent advice centres are among those allowed to carry them out
- **Biggest risk:** An advice error that makes a family lose or delay long term care benefits
- **Basic cover from:** about €200 a year for liability including financial loss for a sole advisor, a guide figure from our own quoting work
- **Clients:** Under § 7a SGB XI, long term care funds may hand their advice tasks wholly or partly to third parties
- **Often forgotten:** Financial loss from advice, which standard public liability usually does not cover

## What goes wrong in this trade

- **Wrong advice:** A missed deadline, an overlooked entitlement, an appeal recommended too late: the family loses benefits and claims compensation.
- **Damage on home visits:** A vase knocked over, a hearing aid dropped, a care aid adjusted wrongly: you work in other people's homes.
- **Always on the road:** Advice visits mean daily drives, often in rural areas. An accident costs the car and working days.
- **Health data:** Diagnoses, care levels and family details sit on laptop and phone. Loss or an attack triggers reporting duties.
- **Losing your own capacity to work:** As a sole advisor there is no cover for you. If you fall ill, you earn nothing.
- **Fee disputes:** Billing with care funds and contracts with clients sometimes lead to disputes.

**Risk radar** (Compared with other trades, 1 low to 5 high.): Liability 4, Fire and water 2, Theft 2, Cyber 3, Downtime 3, Health 3

## The insurance you need

- **Professional indemnity** (Essential): Covers financial loss from wrong advice, such as lost benefits after a missed deadline. https://www.nammert.com/en/insurance-broker-professional-indemnity.php
- **Business liability** (Strongly advised): For injury and property damage on home visits, in advice rooms and at events. https://www.nammert.com/en/insurance-broker-business-liability.php
- **Car insurance** (Strongly advised): For the car you use for home visits; business use must be stated in the policy. https://www.nammert.com/en/insurance-broker-car-insurance.php
- **Cyber insurance** (Strongly advised): For data loss, attacks and the duties that follow a breach involving health data. https://www.nammert.com/en/insurance-broker-cyber-insurance.php
- **Occupational disability** (Strongly advised): Protects your income if illness stops you advising for good. https://www.nammert.com/en/insurance-broker-occupational-disability.php
- **Business legal expenses** (Depends on the business): Legal expenses for disputes with clients, care funds and landlords. https://www.nammert.com/en/insurance-broker-business-legal-expenses.php
- **Accident insurance** (Depends on the business): For accidents on the road and on home visits, if you have no other cover as a self employed person. https://www.nammert.com/en/insurance-broker-accident-insurance.php

## What it costs: example prices

Care advice carries little property risk. What matters is financial loss, the car and your own ability to work.

| Insurance | Example | Typical range |
| --- | --- | --- |
| Professional indemnity | Sole advisor, financial loss up to €250,000, with liability for injury and damage | about €200 to €500 a year |
| Professional indemnity | Advice centre with five advisors, financial loss up to €500,000 | about €600 to €1,500 a year |
| Car insurance | Compact car, 25,000 km a year for work, liability and partial cover | about €500 to €1,100 a year |
| Cyber insurance | Advice centre with digital records | about €300 to €800 a year |
| Business legal expenses | Self employed advisor with contract and traffic legal expenses | about €250 to €600 a year |

For comparison: Professional indemnity for a self employed care advisor costs about as much a year as two tanks of fuel for home visits.

_All figures are guide figures from our own quoting work, excluding German insurance premium tax, as of October 2026. Your premium depends on activities, number of advisors and limits chosen._

- [Social Code Book XI, § 37: care allowance and advice visits](https://www.gesetze-im-internet.de/sgb_11/__37.html)
- [Social Code Book XI, § 7a: care advice](https://www.gesetze-im-internet.de/sgb_11/__7a.html)

## Our suggestions: three packages

- **Sole advisor** (Self employed care advisor without own premises): Professional indemnity, Car insurance, Occupational disability. Together: about €700 to €1,600 a year, excluding income protection
- **Advice practice** (Practice with an advice room and two or three advisors): Professional indemnity, Business liability, Car insurance, Cyber insurance. Together: about €1,500 to €3,500 a year
- **Advice centre** (Recognised advice centre with a team, cars and digital files): Professional indemnity, Business liability, Car insurance, Cyber insurance, Business legal expenses, Accident insurance. Together: priced individually, usually from about €3,500 a year

## The worst day in care advice

Six things that really happen to care advisors, all on one Wednesday here. Tap through and see who pays.

- 08:20: On an icy country road your car slides into a ditch and has to go to the garage. (€5,500, Paid by: Car insurance)
- 10:30: On a home visit you knock a glass cabinet and an heirloom breaks. (€1,800, Paid by: Business liability)
- 12:00: A family says your advice made them apply too late for a higher care level. (€6,500, Paid by: Professional indemnity)
- 14:15: Your laptop with advice records is stolen from the car; you have to inform those affected and the authority. (€4,000, Paid by: Cyber insurance)
- 16:40: A client cuts your invoices for several months and you need a lawyer. (€2,200, Paid by: Business legal expenses)
- 18:10: You slip on wet outdoor steps and are off work for six weeks. (€4,500, Paid by: Accident insurance)

**Damage so far:** €24,500

## Practical tips from your broker

- Make sure financial loss from advice is included; standard public liability is not enough.
- Record every advice session in writing, with date, content and recommended steps.
- Tell your motor insurer that you use the car for work and drive a lot.
- Store health data encrypted and protect laptop and phone with passwords.
- Check contracts with care funds or clients for the insurance and limits they require.
- Protect your ability to work if you work alone with no one to cover for you.

## Why NAMMERT for your business

- **We compare for you:** Norman Nammert works as an independent insurance broker. We approach several insurers and make sure financial loss from advice is covered.
- **Work and private in one place:** Liability, car, pension and home all sit with us; one call is enough.
- **Family run since 1989:** We have arranged insurance since 1989. Our work is free for you; the insurer pays our commission.

## FAQ

### What insurance do I need as a self employed care advisor?

Most important is professional indemnity covering financial loss. Add liability for home visits, the car and protection for your ability to work.

### How much is professional indemnity for care advisors?

From our quoting work, a sole advisor pays about €200 to €500 a year, an advice centre with several advisors about €600 to €1,500.

### Who may carry out advice visits under § 37 SGB XI?

Among others, approved care services, neutral and independent advice centres recognised by the state associations of the care funds, and care advisors under § 7a SGB XI.

### How often must care allowance recipients be advised?

Under § 37(3) SGB XI every six months, and in care levels 4 and 5 every three months on request. Until 31 March 2027 every second visit can be held by video if the person wishes.

### Does my private liability cover home visits?

No. Private liability usually excludes work activities. For home visits you need business or professional liability.

### Can a care fund commission me as a third party?

Yes. Under § 7a SGB XI care funds may hand advice tasks wholly or partly to third parties; the advice must remain neutral and independent.

## Request quotes

We obtain quotes and come back with a comparison, free of charge. You can write in English. https://www.nammert.com/en/business-insurance-care-advisor.php#anfrage

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Your broker: Norman Nammert, trading as NAMMERT. Insurance broker licensed under section 34d(1) of the German Trade Regulation Act. Broker register no. D-C08Q-TOSD4-37. NAMMERT Assekuradeur GmbH is a separate company. It does not arrange your contract.

NAMMERT Assekuradeur GmbH, Karl-Marx-Straße 4, 15711 Königs Wusterhausen, +49 3375 29 12 77, info@nammert.com. Wikidata: Q141141479.