# Insurance for medical supply stores in Germany

> A medical supply store in Germany, a Sanitätshaus, is a shop, a workshop and a delivery service in one. You fit braces and compression stockings, deliver wheelchairs and care beds and set them up in people's homes. Your customers are often already unwell, so mistakes hurt. This page explains which insurance fits and what it costs.

Quelle/Source: https://www.nammert.com/en/business-insurance-medical-supply-store.php  
Updated: 2026-10-15

## Who pays if a customer is hurt by a care bed we set up?

If the accident goes back to a mistake in assembly, instruction or fitting, your business is liable. Public liability pays, provided that fitting, assembly at the customer's home and product liability are named in the policy. Make sure work in care homes and private flats is included too.

## At a glance

- **Health insurer approval:** To supply aids to people with statutory health insurance you need a prequalification certificate under § 126 SGB V, valid for up to five years
- **Biggest risk:** Injuries from badly fitted or badly assembled aids, such as a fall with a walker whose brake was set wrongly
- **Basic cover from:** about €250 a year of public liability for a small store, a guide figure from our own quoting work
- **Accident insurance:** Employees are covered by statutory accident insurance under § 2 SGB VII, through the relevant Berufsgenossenschaft (statutory accident insurer)
- **Often forgotten:** Rental equipment in customers' homes, which contents insurance often covers only at your own premises

## What goes wrong in this trade

- **Fitting mistakes:** A brace that is too tight, a wheelchair set up wrongly, a stocking that causes pressure sores: these lead to injury claims.
- **Assembly at home:** Care beds, bath lifts and stair aids are installed in customers' homes. One loose bolt can cause a serious fall.
- **Rental fleet:** Wheelchairs and care beds sit in many different homes. Fire, water or theft there hits your property.
- **Workshop and stock:** A fire or burst pipe can destroy tens of thousands of euros' worth of stock and workshop equipment.
- **Health data:** Prescriptions, measurements and diagnoses sit in your software. An attack triggers reporting duties and costs.
- **Disputes with health insurers:** Billing, approvals and contracts with health insurers are daily business. Cuts or claw backs end up with a lawyer.

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

## The insurance you need

- **Business liability** (Essential): Covers injury and damage from advice, fitting, assembly at the customer's home and product liability, if these activities are named. https://www.nammert.com/en/insurance-broker-business-liability.php
- **Business contents** (Strongly advised): Replaces stock, workshop and shop fittings after fire, water, storm and burglary. https://www.nammert.com/en/insurance-broker-business-contents.php
- **Electronic equipment** (Strongly advised): Covers foot scanners, measuring devices and the till system against operating errors, power surges and water. https://www.nammert.com/en/insurance-broker-electronic-equipment.php
- **Business interruption** (Strongly advised): Pays rent, wages and lost profit if shop or workshop has to close after damage. https://www.nammert.com/en/insurance-broker-business-interruption.php
- **Fleet insurance** (Strongly advised): Puts delivery vans and cars for home visits in one contract. https://www.nammert.com/en/insurance-broker-fleet-insurance.php
- **Cyber insurance** (Depends on the business): For attacks on customer data, prescriptions and billing with health insurers. https://www.nammert.com/en/insurance-broker-cyber-insurance.php
- **Business legal expenses** (Depends on the business): Legal expenses for disputes with health insurers, landlords and staff. https://www.nammert.com/en/insurance-broker-business-legal-expenses.php

## What it costs: example prices

Liability is affordable for medical supply stores. Contents, workshop and the vehicles for delivery and home visits cost more.

| Insurance | Example | Typical range |
| --- | --- | --- |
| Business liability | One store with fitting and home assembly, up to five employees | about €250 to €700 a year |
| Business contents | Stock, workshop and fittings of €200,000, including burglary | about €500 to €1,300 a year |
| Electronic equipment | Scanners, measuring devices and till system of €40,000 | about €200 to €500 a year |
| Fleet insurance | Three vans and two cars, liability and partial cover | about €3,500 to €7,000 a year |
| Cyber insurance | Store with customer database and electronic billing | about €400 to €1,000 a year |

For comparison: Liability, contents and electronics together cost a small store about as much a year as a well equipped lightweight wheelchair.

_All figures are guide figures from our own quoting work, excluding German insurance premium tax, as of October 2026. Your premium depends on turnover, staff, workshop and claims history._

- [Social Code Book V, § 126: supply by contract partners](https://www.gesetze-im-internet.de/sgb_5/__126.html)
- [Social Code Book VII, § 2: statutory accident insurance](https://www.gesetze-im-internet.de/sgb_7/__2.html)

## Our suggestions: three packages

- **Shop** (Store with sales and fitting, no own delivery): Business liability, Business contents. Together: about €750 to €2,000 a year
- **Full supplier** (Store with workshop, delivery and home assembly): Business liability, Business contents, Electronic equipment, Business interruption, Fleet insurance. Together: about €4,500 to €10,000 a year
- **Branches** (Several branches, rental fleet and digital billing): Business liability, Business contents, Electronic equipment, Business interruption, Fleet insurance, Cyber insurance, Business legal expenses. Together: priced individually, usually from about €10,000 a year

## The worst day in the medical supply store

Six things that really happen to medical supply stores, all on one Tuesday here. Tap through and see who pays.

- 08:30: While unloading, a care bed slides off the ramp and damages a neighbour's car. (€3,800, Paid by: Fleet insurance)
- 10:15: A customer falls with a walker whose brake was set wrongly and breaks a wrist. (€12,000, Paid by: Business liability)
- 11:40: The foot scanner falls off the table during a measurement and the housing cracks. (€6,500, Paid by: Electronic equipment)
- 14:00: Installing a bath lift, a fitter drills into a water pipe and floods the bathroom. (€9,500, Paid by: Business liability)
- 16:20: Malware encrypts the customer database and billing with health insurers stops. (€15,000, Paid by: Cyber insurance)
- 22:50: A burst pipe above the stockroom soaks braces, stockings and packaging. (€22,000, Paid by: Business contents)

**Damage so far:** €68,800

## Practical tips from your broker

- Have fitting, home assembly and instruction in the use of aids named as insured activities.
- Insure rental equipment outside your premises too, in homes and care homes.
- Check that damage to the customer's home during assembly, for example by drilling, is included.
- Keep an eye on your prequalification certificate: it expires after five years at the latest.
- Agree business interruption cover for workshop machines and scanners, not just for fire.
- Combine vans and field cars in one fleet policy once you run several vehicles.

## Why NAMMERT for your business

- **We compare for you:** Norman Nammert works as an independent insurance broker. We approach several insurers and lay out liability, contents and vehicles side by side.
- **We read the small print:** Home assembly, rental equipment, product liability: we make sure your actual work is named in the policy.
- **Family run since 1989:** We have arranged insurance since 1989. Our work is free for you; the insurer pays our commission.

## FAQ

### What insurance does a medical supply store need?

Public liability that includes fitting, home assembly and product liability. Add contents, electronics and, if you deliver, cover for the vehicles.

### How much is liability for a medical supply store?

From our quoting work, about €250 to €700 a year for a single store, depending on turnover and activities.

### What do health insurers require from suppliers of aids?

Under § 126 SGB V you must prove your suitability, usually with a certificate from a prequalification body that is valid for up to five years.

### Is rental equipment in customers' homes insured?

Only if the policy says so. Many contents policies apply only at the insured premises, so have equipment outside your premises named.

### Do I need cyber insurance?

It is not compulsory. Because medical supply stores handle health data and bill electronically, an attack is expensive and must be reported.

### Are my employees covered for accidents at work?

Yes, employees have statutory accident insurance under § 2 SGB VII. As the owner, check your own cover with your Berufsgenossenschaft or take out private accident insurance.

## 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-medical-supply-store.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.