Insurance for Expats in Germany

22/04/2026

Workshop Software: Small Errors, Big Consequences.

A small error in the software, and the workshop makes the wrong decision.
What sounds harmless can quickly become expensive.
For example:
Diagnostic software delivers inaccurate or faulty data. The repair is carried out based on this, and is incorrect.
The consequences:
- Additional damage to the vehicle
- Complaints
- Liability claims
- Operational delays.

Or another scenario:

Maintenance intervals or safety-related warnings are displayed incorrectly. The workshop acts correctly, based on incorrect information. The problem:
The damage is not caused directly by the software itself.
But by decisions based on it.
Therefore, many cases fall into the category of:
Financial losses and indirect damages.

And these are precisely the risks that are often insufficiently considered.

For software providers, this means:
Risks arise in daily use, not only in large projects

but also in routine processes.

What's particularly critical is:

These risks remain invisible for a long time – until an error occurs.

20/08/2025

Did you know that managing directors and board members in Germany are personally liable with their entire private assets – without limit?

Just one wrong decision is enough:
❌ late filing for insolvency
❌ poor investment decision
❌ missed deadline

👉 Suddenly, not only the company is at risk, but also your **home, retirement savings, and personal assets**.

This is where **D\&O insurance** comes in:
✅ Protects against financially devastating liability claims
✅ Covers the defense against unfounded allegations
✅ Safeguards your private wealth – and your freedom to make decisions

💡 **In short: Without D\&O, every decision comes with risk. With D\&O, every decision comes with security.**

For more information contact us:

We provide you with the right insurance coverage for your business in Germany

10/04/2025

Occupational disability insurance for digital nomads? Why can it be so helpful in case of illness?
More information in our news blog:

The importance of occupational disability insurance for digital nomads.

17/12/2024

Which insurance coverage does Santa Claus need to protect his valuable cargo and safely fulfill his divine mission?
A touching christmas story in our news blog:

What insurance coverage does Santa Claus need to protect his valuable cargo and safely fulfill his divine mission?

26/11/2024

Which are the five most important business insurance for companies in Germany?
Find out more in our Blog:
https://leeb-business-insurance-germany.co.uk/5-most-important-commercial-insurance-in-germany/

05/08/2024

Natural hazard insurance in Germany. It also covers damage caused by heavy rain.
More information in our news blog:

In Germany, heavy rain can cause significant damage, leading to high financial losses. Natural hazard insurance offers protection and security by covering the

25/04/2024

Essential features of due diligence Insurance
Detailed information in our news blog:
https://www.versicherungsmakler-muenchen.info/due-diligence-insurance-in-germany/

14/03/2024

The sabotage attack on the Tesla factory in Grünheide caused several hundred million euros in damage.
🤔Would insurance cover the damage?
🤨If yes, which ones?
You can find the answer in the following blog article:
https://www.versicherungsmakler-muenchen.info/gibt-es-eine-versicherung-gegen-anschlaege-wie-bei-tesla/

28/02/2024

Cyber insurance for international companies with subsidiaries in Germany.
☺Get more information in our news blog with a breakdown of how German cyber insurance policy might cover a policyholder.

Here's a breakdown of how a German cyber insurance policy might cover a policyholder:

30/11/2023

Occupational disability insurance rejected due to pre-existing illness – what to do?

The occupational disability insurance company can reject an insurance application for the following reasons:
1. Pre-existing illnesses or health problems that could increase the risk of occupational disability
2. dangerous jobs or activities that involve a higher risk of occupational disability
3. incorrect or incomplete information in the application process.
Before you are rejected due to pre-existing illness or health problems, we recommend that you submit an anonymous preliminary risk inquiry to the insurer, ideally from your insurance broker. Especially if the applicant has had a medical condition in the past.

BU – Make an anonymous preliminary risk inquiry
An anonymous risk inquiry is a request you as a potential policyholder can make to obtain information about your insurability without revealing any personal information. This type of request does not provide personal information such as name and address.

The anonymous preliminary risk inquiry allows you to find out in advance whether the insurance company would be willing to insure you due to certain circumstances or pre-existing illnesses. This can be helpful if you are concerned that certain factors may affect your insurability.

It is important to note that an anonymous preliminary risk inquiry does not represent a binding commitment to insurance. The insurance company can still decide whether or not to accept your application after receiving further information or when actually submitting your application.

Rejection after anonymous preliminary risk request
If your occupational disability insurance (BU) was rejected due to an anonymous preliminary risk inquiry, there are various steps you can take to possibly still be accepted:

To address a denial based on your medical record, you could take the following steps:

Step1: Submit a request to your family doctor for delivery of the patient file.
Step 2: Once you have received the patient file, review all diagnoses with your insurance broker. If you had health problems a few years ago that justified a refusal to be included in the insurance and these problems or illnesses have now completely subsided, contact your doctor and ask him to make corrections. If you have had several family doctors and been treated by several doctors, it makes sense to apply for a patient file from the Association of Statutory Health Insurance Physicians. In this case, too, it is advisable to go through all medical reports and possibly ask for corrections. Example: A few years ago you were diagnosed with a herniated disc. You are now completely symptom-free and the herniated disc has healed. In this case, the treating orthopedist should be consulted and asked for a new diagnosis. This means that the occupational disability insurance can no longer refuse the health examination; nothing would stand in the way of inclusion in the occupational disability insurance.

Step 3: If the insurance company still refuses to accept you, you should lodge a written objection with the insurance company. Explain your arguments and, if necessary, attach additional medical documents or other relevant information.
Step 4: Seek legal advice. If the appeal is unsuccessful or if you believe your rights have been violated, you may contact a lawyer or your insurance broker to review your legal options. An expert can help you understand your rights and take further steps if necessary.
Alternative solutions to occupational disability insurance:
1. Special tariffs for pre-existing illnesses
If an applicant has been rejected by occupational disability insurance due to health problems and an appeal has also been unsuccessfully lodged, there are still some options for taking out disability insurance. One option is to look for insurance companies that offer special rates for people with pre-existing conditions. While these plans may be more expensive or contain certain exclusions, they still allow people with health problems to purchase disability insurance.

2. Alternative – Accident insurance
Another option is to consider an alternative insurance solution such as disability insurance or accident insurance. Accident insurance covers permanent accident damage starting one year after the accident. The exact conditions and benefits of accident insurance can vary depending on the insurance company.
For more information, please contact us.
https://www.versicherungsmakler-muenchen.info/bu-wegen-vorerkrankung-abgelehnt-was-tun/

09/08/2023

Professional liability insurance in Germany
🤨How does it work?
😏Is it mandatory?
😊Which one is suitable for me or my company?

More information:

Advice and support from a specialized insurance broker on professional liability insurance is useful for tradespeople and international companies in Germany.

25/07/2023

Commercial Insurance - classic claims
Which commercial insurances cover claims in businesses and companies?
For further information please note our new blog article:

Six classic claims in commercial insurance in Germany.