Insurance

The Start-up portal of the Federal Ministry of Economics (Bundeswirtschaftsministerium) provides an overview of the most important types of corporate insurance – ranging from public liability insurance to fidelity insurance.

Which medical insurance and which old-age pension insurance applies to independent professionals? The answer is not only important to give you peace of mind, but it also needs to be considered in your monthly outgoings when drawing up your financial and liquidity plans. You also need to consider which company insurance you need, to arm yourself against costs incurred through damages in the workplace or claims from third parties. The following pages provide information about private and company insurance.

(website only available in German)

When starting your own business, you not only have to focus on the start-up itself, but you also have to safeguard yourself against risks. Quite often, financial security for your retirement also needs completely reorganising. Right now, though, time is scarce to take care of this matter. The following pages present a summary of the most important points so that you know what's what at a glance.

There are, today, many exceptions to the former basic principle that self-employed freelancers and other self-employed people are exempt from social security contributions to the national pension, health and long-term care insurance, and unemployment insurance funds.

(website only available in German)

The insurance brochure from the Hessen Chambers of Commerce and Industry and the Chambers of Trades and Crafts are aimed at those wishing to start their own business. They provide useful check-lists to determine which types of insurance make sense for start-ups.

(website only available in German)