As an international entrepreneur or expat freelancer in Germany, you carry a lot of responsibility. For your employees, your clients, and your own economic existence. A single claim can destroy years of hard work. In my neutral online consultation, we develop a customized shield for your business.
Every industry has its own risks. An IT freelancer needs different protection than a consultant or a creative agency. In my consultation, we analyze your specific fields of activity and find specialized insurers that cover your individual risks at attractive conditions. This allows you to stay flexible and focus fully on your core business.
Frequently Asked Questions
When is public liability insurance (Betriebshaftpflicht, or professional indemnity insurance for consulting and IT professions) mandatory in Germany?
While not legally required for all professions, it is mandatory for some (like lawyers or architects) and essential for others. Without it, you are personally liable with your business and private assets for damages caused by your business.
What does cyber insurance cover exactly?
It helps with data loss, hacker attacks, and business interruption due to IT problems. It also covers costs for forensics, crisis communication, and possible ransom demands.
Why is a company pension (bAV) a benefit in recruiting?
In times of skilled labor shortage, bAV is a strong argument. It shows social responsibility and offers employees tax benefits as well as an attractive supplementary pension.
What is the difference between contents insurance and business interruption?
Contents insurance replaces material damage (e.g., after a fire). Business interruption replaces lost profit and ongoing fixed costs while your business is at a standstill.
Does my business protection also apply to work on third-party property?
Yes, a good public liability insurance (Betriebshaftpflichtversicherung) also covers activities at the customer's site. In my digital consultation, we check whether your specific activities are correctly recorded in the insurance policy.
How flexibly can business protection be adapted?
Very flexibly! If your company grows, acquires new machines, or expands its range of services, we adjust the protection promptly. An annual check-up is particularly important here.
Legal Note: The information provided here is for general educational purposes, non-binding information, and orientation. It does not constitute individual advice or a binding offer. The content is carefully researched and regularly reviewed but does not replace individual advice. For my personal advice, I am liable within the scope of my duties as an insurance broker. Insurance conditions may vary. For protection matched to your situation, a personal or digital consultation is recommended.
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