Insurance for Expats in Germany

31/08/2026

D&O Insurance for Managers operating in Germany

An investment project fails, a compliance obligation is overlooked, or payments are stopped too late during a corporate crisis. What initially appears to be a

16/07/2026

A single software update. Two days of production downtime. €85,000 in damages. Suddenly, the IT service provider’s very existence is at stake.
Many IT service providers believe their general liability insurance will cover this loss. In reality, they often face a costly surprise. Which insurance offers the best protection?

For more information:

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

29/06/2026

When Ransomware Encrypts an Entire Consulting Firm
Which insurance pays in this situation?

The answer often surprises business owners.

Today, a cyberattack frequently causes no physical damage whatsoever.

No fire. No water damage. No break-in.

Yet, business operations come to a standstill. Project documents are encrypted. Customer data is inaccessible. Employees cannot work.

In such situations, many companies rely on their standard business interruption insurance.

The problem:

This type of policy often only triggers following insured physical damage.

Consequently, in the event of a digital attack, cyber insurance is usually the critical policy.

Depending on the contract, it covers costs such as:

• IT forensics • Data recovery • Business interruption • Crisis communication • Data protection costs • Third-party claims

Standard business interruption insurance, by contrast, often does not cover digital risks.

Anyone offering knowledge-intensive or digital services today should not view cyber insurance merely as an add-on; it has become an essential part of core coverage.
https://leeb-business-insurance-germany.co.uk/

01/06/2026

€6,000 Disability Pension – Because he made a timely decision!

A managing director loses his ability to work—yet still secures a monthly income of €6,000. The decisive factor lays eight years in the past.

The Case: The managing director of a medium-sized enterprise becomes unable to work at the age of 49. Diagnosis: severe cardiovascular disease. His annual income exceeds €180,000. His fixed costs are high. His responsibilities—both to the company and to his family—are immense.

What Saved Him: A disability insurance policy taken out early on, backed by a thorough risk assessment. No exclusions, because he was in good health at the time the contract was signed. No disputes. No delays.

The Result: A monthly disability pension of €6,000—tax-optimized and clearly stipulated in the contract.

What Many Underestimate: When a claim arises, the deciding factor is not merely the existence of the policy—but rather the accuracy of the health disclosures made years earlier. Errors at this stage regularly lead to: benefit reductions, contract rescission, or protracted legal disputes.

Conclusion: Anyone bearing responsibility as an entrepreneur or manager should not merely be insured—they should be *properly* insured.

13/05/2026

A surgeon loses his fine motor skills—and, with them, his livelihood. His occupational disability insurance pays out. The specific grounds are crucial here!

The Case: A surgical specialist develops a neurological disorder affecting his hand.

He remains able to perform medical work—but can no longer carry out surgical procedures.

The decisive factor here is the precise definition of the specific duties most recently performed.

His occupational disability insurance policy focuses squarely on surgical activity—rather than on an abstract reference to "medical practice in general."

Result: → Recognition of occupational disability → Monthly pension of €5,000.

Conclusion: For physicians, it is not the professional title that matters—but rather the actual duties performed in their day-to-day practice.

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/