When is professional indemnity insurance 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 exactly does cyber insurance cover?

It helps with data loss, hacker attacks, and business interruption caused by IT problems. It also covers costs for forensics, crisis communication, and potential ransom demands.

How flexibly can business protection be adjusted?

Very flexibly! If your company grows, acquires new machines, or expands its services, we adjust the protection promptly. An annual check-up is particularly important here.

Business & Freelance Insurance

Q: Why is a company pension (bAV) a benefit for recruiting?

In times of skilled labor shortage, a company pension is a strong argument. It shows social responsibility and offers employees tax advantages as well as an attractive additional pension.

Q: What is the difference between contents insurance and business interruption?

Contents insurance replaces physical damage (e.g., after a fire). Business interruption replaces lost profits and ongoing fixed costs while your business is at a standstill.

As an entrepreneur or 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.

Protect Your Business

Professional Indemnity

The foundation for every professional. Protection against personal injury and property damage to third parties.

Cyber Insurance

Protection against hacker attacks, ransomware, and system failure. A digital rescue shield for companies.

Company Pension

Attract and retain talent. We implement company pension (bAV) concepts that inspire both employers and teams.

Contents Insurance

Protect your business equipment, goods, and stocks against fire, water, and theft.

Business Interruption

Covers your fixed costs and lost profit if your business stands still after a damage.

Business Legal Protection

Legal security in disputes with employees, customers, suppliers, or authorities.

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 professional indemnity insurance mandatory?

While not legally required for all branches, it is essential. Without this protection, you as an entrepreneur are liable without limit with your company and private assets for damages caused by your business operations.

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 professional indemnity insurance 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. Daniel Hüsken accepts no liability for the accuracy of the information. Insurance conditions may vary. For tailored protection, a digital consultation via video call is required.

Business & Freelance: Securing Your Success