{"id":310,"date":"2026-08-09T14:26:43","date_gmt":"2026-08-09T14:26:43","guid":{"rendered":"http:\/\/insure-germany.local\/?page_id=310"},"modified":"2026-08-17T11:53:25","modified_gmt":"2026-08-17T11:53:25","slug":"business-insurance-germany-freelancers","status":"publish","type":"page","link":"https:\/\/insure-germany.com\/de\/services\/business-insurance-germany-freelancers\/","title":{"rendered":"Business-Versicherung"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"310\" class=\"elementor elementor-310\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4fdd8737 e-flex e-con-boxed e-con e-parent\" data-id=\"4fdd8737\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35f983d5 elementor-widget elementor-widget-hfe-breadcrumbs-widget\" data-id=\"35f983d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"hfe-breadcrumbs-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<nav aria-label=\"Breadcrumb\"><ul class=\"hfe-breadcrumbs hfe-breadcrumbs-show-home\"><li class=\"hfe-breadcrumbs-item hfe-breadcrumbs-first\"><span class=\"hfe-breadcrumbs-home-icon\"><\/span><a href=\"https:\/\/insure-germany.com\/de\"><span class=\"hfe-breadcrumbs-text\">Home<\/span><\/a><\/li><\/ul><\/nav>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a7eff2d e-flex e-con-boxed e-con e-parent\" data-id=\"3a7eff2d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1a1fa246 e-flex e-con-boxed e-con e-child\" data-id=\"1a1fa246\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-18b6f180 e-con-full e-flex e-con e-child\" data-id=\"18b6f180\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f9732aa elementor-widget elementor-widget-image\" data-id=\"4f9732aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"277\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Mediathek-KELLER-IMMOBILIENSERVICE.webp\" class=\"attachment-large size-large wp-image-403\" alt=\"\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Mediathek-KELLER-IMMOBILIENSERVICE.webp 866w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Mediathek-KELLER-IMMOBILIENSERVICE-300x104.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Mediathek-KELLER-IMMOBILIENSERVICE-768x266.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Mediathek-KELLER-IMMOBILIENSERVICE-18x6.webp 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75ddb7f2 elementor-widget elementor-widget-text-editor\" data-id=\"75ddb7f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Trusted by 100+ expats<\/p><p>across Germany<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4c506bd1 e-con-full e-flex e-con e-child\" data-id=\"4c506bd1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1baa5a81 e-con-full e-flex e-con e-child\" data-id=\"1baa5a81\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a102218 elementor-widget elementor-widget-heading\" data-id=\"4a102218\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Freelancers &amp; self-employed \u00b7 Betriebshaftpflicht<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e710cb9 elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"5e710cb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n.ig-h1-liability { font-family: 'Poppins', sans-serif; font-size: 44px; font-weight: 800; line-height: 1.2; color: #ffff; margin: 0; }\n.ig-h1-liability .acc { color: #F5A015; }\n@media (max-width: 768px) { .ig-h1-liability { font-size: 30px !important; text-align: center; } }\n<\/style>\n<h1 class=\"ig-h1-liability\">Business insurance in Germany for freelancers \u2014 three policies, one clear <em class=\"acc\" style=\"font-style:normal;\">decision<\/em><\/h1>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-11fc8a18 e-con-full e-flex e-con e-child\" data-id=\"11fc8a18\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b78f0e8 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"3b78f0e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/insure-germany.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book your free consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60e60c56 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"60e60c56\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"#covered\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">See which cover I need<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cd20913 elementor-widget elementor-widget-text-editor\" data-id=\"5cd20913\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Built with Ai<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3440a8a2 e-grid e-con-full e-con e-child\" data-id=\"3440a8a2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61f3c064 elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"61f3c064\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 56c110.532 0 200 89.451 200 200 0 110.532-89.451 200-200 200-110.532 0-200-89.451-200-200 0-110.532 89.451-200 200-200m0-48C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm0 168c-44.183 0-80 35.817-80 80s35.817 80 80 80 80-35.817 80-80-35.817-80-80-80z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWhole market compared\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWe check professional liability insurance in Germany across 100+ insurers \u2014 so cover terms, not just price, drive the recommendation.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25eddc20 elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"25eddc20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-globe\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M336.5 160C322 70.7 287.8 8 248 8s-74 62.7-88.5 152h177zM152 256c0 22.2 1.2 43.5 3.3 64h185.3c2.1-20.5 3.3-41.8 3.3-64s-1.2-43.5-3.3-64H155.3c-2.1 20.5-3.3 41.8-3.3 64zm324.7-96c-28.6-67.9-86.5-120.4-158-141.6 24.4 33.8 41.2 84.7 50 141.6h108zM177.2 18.4C105.8 39.6 47.8 92.1 19.3 160h108c8.7-56.9 25.5-107.8 49.9-141.6zM487.4 192H372.7c2.1 21 3.3 42.5 3.3 64s-1.2 43-3.3 64h114.6c5.5-20.5 8.6-41.8 8.6-64s-3.1-43.5-8.5-64zM120 256c0-21.5 1.2-43 3.3-64H8.6C3.2 212.5 0 233.8 0 256s3.2 43.5 8.6 64h114.6c-2-21-3.2-42.5-3.2-64zm39.5 96c14.5 89.3 48.7 152 88.5 152s74-62.7 88.5-152h-177zm159.3 141.6c71.4-21.2 129.4-73.7 158-141.6h-108c-8.8 56.9-25.6 107.8-50 141.6zM19.3 352c28.6 67.9 86.5 120.4 158 141.6-24.4-33.8-41.2-84.7-50-141.6h-108z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tBuilt for freelancers, not just companies\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tMost business insurance advice in Germany is written for GmbHs. We start from your actual freelance or self-employed setup.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13cb6f82 elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-inline-start elementor-widget elementor-widget-icon-box\" data-id=\"13cb6f82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-comment-dots\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M144 208c-17.7 0-32 14.3-32 32s14.3 32 32 32 32-14.3 32-32-14.3-32-32-32zm112 0c-17.7 0-32 14.3-32 32s14.3 32 32 32 32-14.3 32-32-14.3-32-32-32zm112 0c-17.7 0-32 14.3-32 32s14.3 32 32 32 32-14.3 32-32-14.3-32-32-32zM256 32C114.6 32 0 125.1 0 240c0 47.6 19.9 91.2 52.9 126.3C38 405.7 7 439.1 6.5 439.5c-6.6 7-8.4 17.2-4.6 26S14.4 480 24 480c61.5 0 110-25.7 139.1-46.3C192 442.8 223.2 448 256 448c141.4 0 256-93.1 256-208S397.4 32 256 32zm0 368c-26.7 0-53.1-4.1-78.4-12.1l-22.7-7.2-19.5 13.8c-14.3 10.1-33.9 21.4-57.5 29 7.3-12.1 14.4-25.7 19.9-40.2l10.6-28.1-20.6-21.8C69.7 314.1 48 282.2 48 240c0-88.2 93.3-160 208-160s208 71.8 208 160-93.3 160-208 160z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tOne English-speaking contact\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tFrom choosing between Betriebshaftpflicht, Berufshaftpflicht and Verm\u00f6gensschadenhaftpflicht to filing a claim \u2014 one named person.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-422bf27d e-flex e-con-boxed e-con e-parent\" data-id=\"422bf27d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3e14542b e-con-full e-flex e-con e-child\" data-id=\"3e14542b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-21fb0237 elementor-widget elementor-widget-image\" data-id=\"21fb0237\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/freelancer-insurance-germany-liability-cover-1024x683.webp\" class=\"attachment-large size-large wp-image-1187\" alt=\"Freelancer insurance in Germany covering Betriebshaftpflicht, Berufshaftpflicht and Verm\u00f6gensschadenhaftpflicht for self-employed professionals\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/freelancer-insurance-germany-liability-cover-1024x683.webp 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/freelancer-insurance-germany-liability-cover-300x200.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/freelancer-insurance-germany-liability-cover-768x512.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/freelancer-insurance-germany-liability-cover-18x12.webp 18w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/freelancer-insurance-germany-liability-cover.webp 1536w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-611e1808 elementor-widget elementor-widget-text-editor\" data-id=\"611e1808\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"s1\">Created with AI<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e669f39 e-con-full e-flex e-con e-child\" data-id=\"e669f39\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53fc9ef elementor-widget elementor-widget-heading\" data-id=\"53fc9ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">The basics<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d62a297 elementor-widget elementor-widget-heading\" data-id=\"5d62a297\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Insurance for self-employed professionals in Germany, explained properly<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b713f67 elementor-widget elementor-widget-text-editor\" data-id=\"3b713f67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Freelancing in Germany means you&#8217;re personally on the hook for mistakes, damage and financial loss connected to your work \u2014 your <a href=\"https:\/\/www.kuenstlersozialkasse.de\/\" target=\"_blank\" rel=\"noopener\">KSK membership<\/a> doesn&#8217;t include liability cover, and neither does your <a href=\"\/services\/liability-insurance-germany\/\">private Haftpflicht policy<\/a>. Business insurance for freelancers in Germany usually means choosing between three distinct products: <a href=\"https:\/\/de.wikipedia.org\/wiki\/Betriebshaftpflichtversicherung\" target=\"_blank\" rel=\"noopener\">Betriebshaftpflicht (public liability)<\/a>, Berufshaftpflicht (professional indemnity) and Verm\u00f6gensschadenhaftpflicht (pure financial loss cover). Which ones you actually need depends on your profession \u2014 a graphic designer, a management consultant and a physiotherapist face three different risk profiles.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c1393b9 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5c1393b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d7063bc elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"6d7063bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-shield-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.5 83.7l-192-80a48.15 48.15 0 0 0-36.9 0l-192 80C27.7 91.1 16 108.6 16 128c0 198.5 114.5 335.7 221.5 380.3 11.8 4.9 25.1 4.9 36.9 0C360.1 472.6 496 349.3 496 128c0-19.4-11.7-36.9-29.5-44.3zM256.1 446.3l-.1-381 175.9 73.3c-3.3 151.4-82.1 261.1-175.8 307.7z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t3 core freelancer products\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tBetriebshaftpflicht, Berufshaftpflicht, Verm\u00f6gensschadenhaftpflicht \u2014 most self-employed people need one or two, correctly matched to their work.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b14fa7a elementor-view-stacked elementor-shape-rounded elementor-position-inline-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"6b14fa7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-comment-dots\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 32C114.6 32 0 125.1 0 240c0 49.6 21.4 95 57 130.7C44.5 421.1 2.7 466 2.2 466.5c-2.2 2.3-2.8 5.7-1.5 8.7S4.8 480 8 480c66.3 0 116-31.8 140.6-51.4 32.7 12.3 69 19.4 107.4 19.4 141.4 0 256-93.1 256-208S397.4 32 256 32zM128 272c-17.7 0-32-14.3-32-32s14.3-32 32-32 32 14.3 32 32-14.3 32-32 32zm128 0c-17.7 0-32-14.3-32-32s14.3-32 32-32 32 14.3 32 32-14.3 32-32 32zm128 0c-17.7 0-32-14.3-32-32s14.3-32 32-32 32 14.3 32 32-14.3 32-32 32z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tCover per profession, not per checklist\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIT freelancers, translators, coaches and regulated professions all need different combinations \u2014 no one-size-fits-all package.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-377ae5ef elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"377ae5ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c1ed098 elementor-widget elementor-widget-heading\" data-id=\"4c1ed098\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">New to Germany and unsure which freelancer cover you need?<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72134307 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"72134307\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/insure-germany.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">BOOK YOUR FREE CONSULTATION<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46387f5c e-flex e-con-boxed e-con e-parent\" data-id=\"46387f5c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-129d7e19 elementor-widget elementor-widget-heading\" data-id=\"129d7e19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">What freelancers say<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78293826 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"78293826\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Trusted by freelancers and self-employed professionals across Germany<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5415f0cc elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5415f0cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Real feedback from clients who came to us confused about business liability insurance in Germany and left with a policy that actually matches their work.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3fbfaac6 elementor-widget elementor-widget-shortcode\" data-id=\"3fbfaac6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"ti-widget ti-wp-testimonial-1 ti-no-logo\" data-layout-id=\"4\" data-layout-category=\"slider\" data-set-id=\"light-background\" data-pid=\"\" data-language=\"de\" data-close-locale=\"Schlie\u00dfen\" data-review-target-width=\"300\" data-css-version=\"2\" data-review-text-mode=\"readmore\" data-reply-by-locale=\"Antwort des Eigent\u00fcmers\" data-only-rating-locale=\"Dieser Nutzer hat lediglich eine Bewertung abgegeben.\" data-pager-autoplay-timeout=\"6\" > <div class=\"ti-widget-container ti-col-3\"> <div class=\"ti-reviews-container\"> <div class=\"ti-controls\"> <div class=\"ti-next\" aria-label=\"N\u00e4chste Bewertung\" role=\"button\" tabindex=\"0\"><\/div> <div class=\"ti-prev\" aria-label=\"Vorherige Bewertung\" role=\"button\" tabindex=\"0\"><\/div> <\/div> <div class=\"ti-reviews-container-wrapper\">  <div class=\"ti-review-item source-Testimonials ti-image-layout-thumbnail\" data-platform-page-url=\"\" data-time=\"\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\" data-rating=\"5\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\">  <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Capture-2026-08-13-115018-60x60.png\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Capture-2026-08-13-115018-60x60.png 2x\" alt=\"Jan Tuskan profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Jan Tuskan <\/div> <div class=\"ti-date\">Trustpilot<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT --><pre class=\"CDS_Typography_appearance-default__da5bc0 CDS_Typography_prettyStyle__da5bc0 CDS_Typography_heading-s__da5bc0\" data-service-review-title-typography=\"true\">Super Nur gute Erfahrungen gemacht. Super Kundenservice. Netter Mensch und kompetente Beratung<\/pre><!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Ausblenden\" data-open-text=\"Weiterlesen\" ><\/span> <\/div> <\/div>  <div class=\"ti-review-item source-Testimonials ti-image-layout-thumbnail\" data-platform-page-url=\"\" data-time=\"\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\" data-rating=\"5\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\">  <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/cdn.trustindex.io\/assets\/default-avatar\/noprofile-06.svg\" srcset=\"https:\/\/cdn.trustindex.io\/assets\/default-avatar\/noprofile-06.svg 2x\" alt=\"Christin profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Christin <\/div> <div class=\"ti-date\">Trustpilot<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT --><pre class=\"CDS_Typography_appearance-default__da5bc0 CDS_Typography_prettyStyle__da5bc0 CDS_Typography_heading-xs__da5bc0\" data-service-review-title-typography=\"true\">Kompetente Beratung ohne Schnickschnack<\/pre>\n<p class=\"CDS_Typography_appearance-default__da5bc0 CDS_Typography_prettyStyle__da5bc0 CDS_Typography_body-l__da5bc0\" data-service-review-text-typography=\"true\">Eigentlich hatte ich mir vorgenommen, hier ein lyrisches Meisterwerk als Rezession zu hinterlassen, aber mit Fakten ist man hier besser bedient \ud83d\ude42\n\nDas Thema Versicherungen war f\u00fcr mich immer eine Blackbox und ich habe es jahrelang vor mir hergeschoben, was nat\u00fcrlich auch nicht zielf\u00fchrend war.\n\nChris konnte viel Licht in den dichten Versicherungsnebel bringen, hat mir alles super geduldig und ausf\u00fchrlich erkl\u00e4rt und mir die bestm\u00f6glichen Versicherungsoptionen angeboten. Kein Schnickschnack, kein unn\u00f6tiger Quatsch.\n\nSuper kompetent, prima Beratung und bei insure-Germany ist man einfach gut aufgehoben. Merci!<\/p><!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Ausblenden\" data-open-text=\"Weiterlesen\" ><\/span> <\/div> <\/div>  <div class=\"ti-review-item source-Testimonials ti-image-layout-thumbnail\" data-platform-page-url=\"\" data-time=\"\" data-id=\"cfcd208495d565ef66e7dff9f98764da\" data-language=\"\" data-rating=\"5\" data-max-rating=\"5\" > <div class=\"ti-inner\"> <div class=\"ti-review-header\">  <div class=\"ti-profile-img\"> <img decoding=\"async\" src=\"https:\/\/cdn.trustindex.io\/assets\/default-avatar\/noprofile-06.svg\" srcset=\"https:\/\/cdn.trustindex.io\/assets\/default-avatar\/noprofile-06.svg 2x\" alt=\"Anonymous profile picture\" loading=\"lazy\" \/> <\/div> <div class=\"ti-profile-details\"> <div class=\"ti-name\"> Anonymous <\/div> <div class=\"ti-date\">Trustpilot<\/div> <\/div> <\/div> <span class=\"ti-stars\"><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><img loading=\"lazy\" decoding=\"async\" class=\"ti-star\" src=\"https:\/\/cdn.trustindex.io\/assets\/platform\/Google\/star\/f.svg\" alt=\"Google\" width=\"17\" height=\"17\" loading=\"lazy\" \/><\/span> <div class=\"ti-review-text-container ti-review-content\"><!-- R-CONTENT -->Ehrlich gesagt habe ich fr\u00fcher immer versucht, selbst alle Versicherungsanbieter zu finden und alle auftretenden Probleme zu l\u00f6sen. Needless to say, dass ich mehr als genug Zeit daf\u00fcr verschwendet habe und den Ergebnis war nicht optimal.\nIch bin froh, Kundin von Insure-Germany geworden zu sein, denn das ist einfach ein ganz anderes Niveau.\n\nChris hat mir stets ausf\u00fchrliche Beratungen gegeben und auf all meine Fragen vollst\u00e4ndige Antworten gefunden. Nat\u00fcrlich, \u00fcbt er keinen Druck auf meine Entscheidungen aus und ist einer echter Profi.\n\nIch kann Chris jedem empfehlen, der sicherstellen m\u00f6chte, dass alle seine Versicherungen optimal verwaltet werden (und einfach optimal sind).<!-- R-CONTENT --><\/div> <span class=\"ti-read-more\" data-container=\".ti-review-content\" data-collapse-text=\"Ausblenden\" data-open-text=\"Weiterlesen\" ><\/span> <\/div> <\/div>  <\/div> <div class=\"ti-controls-line\"> <div class=\"dot\"><\/div> <\/div> <\/div> <div class=\"ti-footer\">  <\/div> <div class=\"ti-footer-filter-text\"><!-- FOOTER FILTER TEXT --><\/div>  <\/div> <\/div> <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e81a138 e-con-full e-flex e-con e-child\" data-id=\"5e81a138\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c97e969 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6c97e969\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u00a7 34d GewO Licensed insurance broker<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e029ed1 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5e029ed1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">IHK Registered in the German intermediary register<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3eb3c758 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3eb3c758\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Professional indemnity In place, as required by law<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b1749d1 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7b1749d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">GDPR-compliant Your data is never sold on<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43c8de54 e-flex e-con-boxed e-con e-parent\" data-id=\"43c8de54\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-41f5b2ea e-grid e-con-full e-con e-child\" data-id=\"41f5b2ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b52ca9e e-con-full e-flex e-con e-child\" data-id=\"b52ca9e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-32985383 e-flex e-con-boxed e-con e-child\" data-id=\"32985383\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-238a2195 elementor-widget elementor-widget-text-editor\" data-id=\"238a2195\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"s1\">Created with AI<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-111788b8 elementor-widget elementor-widget-icon-box\" data-id=\"111788b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tinsure-Germany\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tChristian Keller \u00b7 independent broker, Mannheim\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e4f599d elementor-icon-list--layout-inline elementor-mobile-align-center elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4e4f599d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Independent advice<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Freelancer cover compared<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e9d403a e-con-full e-flex e-con e-child\" data-id=\"4e9d403a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d761e34 elementor-widget elementor-widget-heading\" data-id=\"1d761e34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Why work with us<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5da80e3c elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5da80e3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Freelancer insurance in Germany shouldn't mean guessing which policy you need<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a53590 elementor-widget elementor-widget-text-editor\" data-id=\"9a53590\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Most freelancers in Germany discover they need business insurance the hard way \u2014 a client asks for proof of Betriebshaftpflicht before signing a contract, or a mistake in a deliverable turns into a financial loss claim they didn&#8217;t see coming.<\/p><p>Christian Keller is a licensed insurance broker (Versicherungsmakler, <a href=\"https:\/\/www.bafin.de\/EN\/Homepage\/homepage_node.html\" target=\"_blank\" rel=\"noopener\">\u00a734d GewO<\/a>) based in Mannheim, working independently of any single insurer. Because advice is commission-based and already built into the premium, comparing self-employed insurance options costs you nothing extra.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-432527fa elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"432527fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Independent advice, no ties to one insurer<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Cover matched to your specific freelance profession<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">One English-speaking contact for setup and claims<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ac8b587 elementor-align-left elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"4ac8b587\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/insure-germany.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book a free call with Christian<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21e6e8f3 elementor-widget elementor-widget-text-editor\" data-id=\"21e6e8f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<section aria-labelledby=\"story-title\">\n<div class=\"wrap\">\n<div class=\"tstory\">\n<div class=\"tstory-body\">\n<div class=\"tstory-cta\"><small>Free &amp; no obligation \u00b7 in English or German<\/small><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-38118e01 e-flex e-con-boxed e-con e-parent\" data-id=\"38118e01\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2e7a8ba4 e-con-full e-flex e-con e-child\" data-id=\"2e7a8ba4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1143d241 e-con-full e-flex e-con e-child\" data-id=\"1143d241\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-269cc0c8 elementor-widget elementor-widget-heading\" data-id=\"269cc0c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Not sure which liability insurance your freelance work actually needs?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78962b25 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"78962b25\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Send us your profession and how you work \u2014 client visits, remote deliverables, physical premises \u2014 and we&#8217;ll tell you which of the three products applies, before you pay for cover you don&#8217;t need.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3792e4c8 e-con-full e-flex e-con e-child\" data-id=\"3792e4c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14923f4c elementor-widget elementor-widget-button\" data-id=\"14923f4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/insure-germany.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a free recommendation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-522732fc e-flex e-con-boxed e-con e-parent\" data-id=\"522732fc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-32fbf7ea e-con-full e-flex e-con e-child\" data-id=\"32fbf7ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3e75dc86 e-con-full e-flex e-con e-child\" data-id=\"3e75dc86\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9267fc elementor-widget elementor-widget-heading\" data-id=\"9267fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">The short answer<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-461b4317 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"461b4317\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Do freelancers in Germany need professional liability insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c2610c6 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5c2610c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>It depends on your profession. Berufshaftpflicht (professional indemnity insurance) is legally mandatory only for certain regulated professions in Germany \u2014 lawyers, tax advisors, architects, doctors, engineers in some Bundesl\u00e4nder, financial advisors under <a href=\"https:\/\/www.bafin.de\/EN\/Homepage\/homepage_node.html\" target=\"_blank\" rel=\"noopener\">\u00a734f\/\u00a734h<\/a>, and notaries. If you don&#8217;t fall into one of these categories, professional indemnity insurance in Germany is not required by law, but that doesn&#8217;t mean you&#8217;re risk-free.<\/p><p>Most freelancers and self-employed professionals still need some form of business liability cover \u2014 either Betriebshaftpflicht for physical damage, Verm\u00f6gensschadenhaftpflicht for pure financial loss (essential for IT freelancers, consultants, coaches and marketers), or a combination. Your <a href=\"\/services\/liability-insurance-germany\/\">private Haftpflicht insurance<\/a>, and your <a href=\"https:\/\/www.kuenstlersozialkasse.de\/\" target=\"_blank\" rel=\"noopener\">KSK membership<\/a> if applicable, cover neither.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-21b85a4 e-con-full e-flex e-con e-child\" data-id=\"21b85a4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53f894b6 elementor-widget elementor-widget-icon-box\" data-id=\"53f894b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tMostly optional\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tBusiness insurance is only legally mandatory for certain regulated professions\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-603542b0 elementor-widget elementor-widget-icon-box\" data-id=\"603542b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\t3 core products\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tBetriebshaftpflicht, Berufshaftpflicht, Verm\u00f6gensschadenhaftpflicht \u2014 pick per profession\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c0def48 elementor-widget elementor-widget-icon-box\" data-id=\"6c0def48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPrivate cover excluded\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tYour personal Haftpflicht doesn't cover any business activity \u2014 needs separate policy\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e78f148 e-con-full e-flex e-con e-child\" data-id=\"2e78f148\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-702b2068 e-grid e-con-full e-con e-child\" data-id=\"702b2068\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51d9b44e elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"51d9b44e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"159\" height=\"94\" viewBox=\"0 0 159 94\" fill=\"none\"><path d=\"M34.4077 93.0908H-0.00142002V-9.15527e-05H34.3622C43.8471 -9.15527e-05 52.0137 1.86355 58.8622 5.59082C65.741 9.28779 71.044 14.6211 74.7713 21.5908C78.4986 28.5302 80.3622 36.8332 80.3622 46.4999C80.3622 56.1969 78.4986 64.5302 74.7713 71.4999C71.0743 78.4696 65.7865 83.8181 58.9077 87.5454C52.0289 91.2423 43.8622 93.0908 34.4077 93.0908ZM22.4986 73.909H33.544C38.7562 73.909 43.1652 73.0302 46.7713 71.2726C50.4077 69.4848 53.1501 66.5908 54.9986 62.5908C56.8774 58.5605 57.8168 53.1969 57.8168 46.4999C57.8168 39.8029 56.8774 34.4696 54.9986 30.4999C53.1198 26.4999 50.3471 23.6211 46.6804 21.8635C43.044 20.0757 38.5592 19.1817 33.2259 19.1817H22.4986V73.909ZM93.4986 93.0908V-9.15527e-05H158.408V18.2726H115.999V37.3635H155.089V55.6817H115.999V74.8181H158.408V93.0908H93.4986Z\" fill=\"#F5A017\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tGerman names\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tBetriebshaftpflicht, Berufshaftpflicht, Verm\u00f6gensschadenhaftpflicht \u2014 three separate products\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54a9f9a9 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"54a9f9a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-users\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M96 224c35.3 0 64-28.7 64-64s-28.7-64-64-64-64 28.7-64 64 28.7 64 64 64zm448 0c35.3 0 64-28.7 64-64s-28.7-64-64-64-64 28.7-64 64 28.7 64 64 64zm32 32h-64c-17.6 0-33.5 7.1-45.1 18.6 40.3 22.1 68.9 62 75.1 109.4h66c17.7 0 32-14.3 32-32v-32c0-35.3-28.7-64-64-64zm-256 0c61.9 0 112-50.1 112-112S381.9 32 320 32 208 82.1 208 144s50.1 112 112 112zm76.8 32h-8.3c-20.8 10-43.9 16-68.5 16s-47.6-6-68.5-16h-8.3C179.6 288 128 339.6 128 403.2V432c0 26.5 21.5 48 48 48h288c26.5 0 48-21.5 48-48v-28.8c0-63.6-51.6-115.2-115.2-115.2zm-223.7-13.4C161.5 263.1 145.6 256 128 256H64c-35.3 0-64 28.7-64 64v32c0 17.7 14.3 32 32 32h65.9c6.3-47.4 34.9-87.3 75.2-109.4z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWho it's for\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tFreelancers, self-employed and small business owners across all sectors\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d9b4f1c elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"5d9b4f1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-double\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505 174.8l-39.6-39.6c-9.4-9.4-24.6-9.4-33.9 0L192 374.7 80.6 263.2c-9.4-9.4-24.6-9.4-33.9 0L7 302.9c-9.4 9.4-9.4 24.6 0 34L175 505c9.4 9.4 24.6 9.4 33.9 0l296-296.2c9.4-9.5 9.4-24.7.1-34zm-324.3 106c6.2 6.3 16.4 6.3 22.6 0l208-208.2c6.2-6.3 6.2-16.4 0-22.6L366.1 4.7c-6.2-6.3-16.4-6.3-22.6 0L192 156.2l-55.4-55.5c-6.2-6.3-16.4-6.3-22.6 0L68.7 146c-6.2 6.3-6.2 16.4 0 22.6l112 112.2z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tMandatory for whom?\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLawyers, tax advisors, architects, doctors, some engineers, \u00a734f\/\u00a734h advisors, notaries\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a78cc50 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"2a78cc50\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"79\" height=\"96\" viewBox=\"0 0 79 96\" fill=\"none\"><path d=\"M65.9055 32.9999L61.3146 43.2726H-0.00355101L3.86009 32.9999H65.9055ZM56.951 52.3635L51.7237 62.909H-0.00355101L3.86009 52.3635H56.951ZM78.0874 8.04534L69.8146 25.6363C68.8449 25.0908 67.5722 24.3635 65.9965 23.4544C64.451 22.515 62.6025 21.6817 60.451 20.9544C58.3298 20.2272 55.9207 19.8635 53.2237 19.8635C49.3449 19.8635 46.0116 20.8181 43.2237 22.7272C40.4358 24.6059 38.2843 27.6059 36.7692 31.7272C35.2843 35.8484 34.5419 41.2575 34.5419 47.9544C34.5419 54.712 35.2843 60.1363 36.7692 64.2272C38.2843 68.2878 40.4358 71.2272 43.2237 73.0453C46.0116 74.8635 49.3449 75.7726 53.2237 75.7726C55.8904 75.7726 58.2692 75.4241 60.3601 74.7272C62.4813 74.0302 64.2995 73.2423 65.8146 72.3635C67.3601 71.4544 68.5722 70.6969 69.451 70.0908L77.7692 87.7272C74.4358 90.3635 70.6783 92.3484 66.4965 93.6817C62.3449 94.9847 57.9207 95.6363 53.2237 95.6363C45.1328 95.6363 37.9661 93.7726 31.7237 90.0453C25.5116 86.3181 20.648 80.909 17.1328 73.8181C13.6177 66.6969 11.8601 58.0756 11.8601 47.9544C11.8601 37.8635 13.6177 29.2423 17.1328 22.0908C20.648 14.9393 25.5116 9.46958 31.7237 5.6817C37.9661 1.89382 45.1328 -0.000114441 53.2237 -0.000114441C58.1025 -0.000114441 62.6025 0.696856 66.7237 2.0908C70.8752 3.48473 74.6631 5.46958 78.0874 8.04534Z\" fill=\"#F5A017\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tHow it structures\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tStandalone business policies \u2014 separate from private Haftpflicht and KSK membership\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56bdb470 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"56bdb470\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-globe-africa\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M248 8C111.03 8 0 119.03 0 256s111.03 248 248 248 248-111.03 248-248S384.97 8 248 8zm160 215.5v6.93c0 5.87-3.32 11.24-8.57 13.86l-15.39 7.7a15.485 15.485 0 0 1-15.53-.97l-18.21-12.14a15.52 15.52 0 0 0-13.5-1.81l-2.65.88c-9.7 3.23-13.66 14.79-7.99 23.3l13.24 19.86c2.87 4.31 7.71 6.9 12.89 6.9h8.21c8.56 0 15.5 6.94 15.5 15.5v11.34c0 3.35-1.09 6.62-3.1 9.3l-18.74 24.98c-1.42 1.9-2.39 4.1-2.83 6.43l-4.3 22.83c-.62 3.29-2.29 6.29-4.76 8.56a159.608 159.608 0 0 0-25 29.16l-13.03 19.55a27.756 27.756 0 0 1-23.09 12.36c-10.51 0-20.12-5.94-24.82-15.34a78.902 78.902 0 0 1-8.33-35.29V367.5c0-8.56-6.94-15.5-15.5-15.5h-25.88c-14.49 0-28.38-5.76-38.63-16a54.659 54.659 0 0 1-16-38.63v-14.06c0-17.19 8.1-33.38 21.85-43.7l27.58-20.69a54.663 54.663 0 0 1 32.78-10.93h.89c8.48 0 16.85 1.97 24.43 5.77l14.72 7.36c3.68 1.84 7.93 2.14 11.83.84l47.31-15.77c6.33-2.11 10.6-8.03 10.6-14.7 0-8.56-6.94-15.5-15.5-15.5h-10.09c-4.11 0-8.05-1.63-10.96-4.54l-6.92-6.92a15.493 15.493 0 0 0-10.96-4.54H199.5c-8.56 0-15.5-6.94-15.5-15.5v-4.4c0-7.11 4.84-13.31 11.74-15.04l14.45-3.61c3.74-.94 7-3.23 9.14-6.44l8.08-12.11c2.87-4.31 7.71-6.9 12.89-6.9h24.21c8.56 0 15.5-6.94 15.5-15.5v-21.7C359.23 71.63 422.86 131.02 441.93 208H423.5c-8.56 0-15.5 6.94-15.5 15.5z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tTypical products\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tBetriebshaftpflicht + Verm\u00f6gensschadenhaftpflicht + Cyber-Versicherung for many freelancers\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68160879 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"68160879\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-shield\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M622.3 271.1l-115.2-45c-4.1-1.6-12.6-3.7-22.2 0l-115.2 45c-10.7 4.2-17.7 14-17.7 24.9 0 111.6 68.7 188.8 132.9 213.9 9.6 3.7 18 1.6 22.2 0C558.4 489.9 640 420.5 640 296c0-10.9-7-20.7-17.7-24.9zM496 462.4V273.3l95.5 37.3c-5.6 87.1-60.9 135.4-95.5 151.8zM224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm96 40c0-2.5.8-4.8 1.1-7.2-2.5-.1-4.9-.8-7.5-.8h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c6.8 0 13.3-1.5 19.2-4-54-42.9-99.2-116.7-99.2-212z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tKey decision factor\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tYour specific profession and how you work with clients \u2014 not a generic checklist\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-49c4d40f e-flex e-con-boxed e-con e-parent\" data-id=\"49c4d40f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20915bca elementor-widget elementor-widget-heading\" data-id=\"20915bca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Who it's for<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-256ce599 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"256ce599\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Business insurance for freelancers in Germany \u2014 who actually needs it<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18f40707 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"18f40707\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Not every freelancer needs the same policies, and &#8216;business insurance germany for freelancers&#8217; is really a bundle of separate products, not a single certificate. What you need depends on your profession, whether you work with client data, and whether clients ever set foot in your office. Below are the three groups we see most often \u2014 find yours and read on.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61fd5853 elementor-widget__width-initial elementor-widget elementor-widget-n-accordion\" data-id=\"61fd5853\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1640\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1640\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> IT freelancers and consultants <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1640\" class=\"elementor-element elementor-element-17856fad e-con-full e-flex e-con e-child\" data-id=\"17856fad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33a3aa40 elementor-widget elementor-widget-text-editor\" data-id=\"33a3aa40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you work as an IT freelancer, developer, consultant, marketer, coach, or translator, your biggest exposure isn&#8217;t a broken vase \u2014 it&#8217;s a mistake in your work that costs a client money. A wrong line of code, a missed deadline clause, bad advice in a report: this is where Verm\u00f6gensschadenhaftpflicht (pure financial loss cover) comes in. It&#8217;s the core policy behind most consultant insurance germany and IT freelancer insurance germany searches, because standard liability cover often excludes purely financial damage. Add <a href=\"https:\/\/de.wikipedia.org\/wiki\/Cyberversicherung\" target=\"_blank\" rel=\"noopener\">Cyber-Versicherung<\/a> if you store or process client data.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1641\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1641\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Regulated professions where cover is mandatory <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1641\" class=\"elementor-element elementor-element-302f0cd2 e-con-full e-flex e-con e-child\" data-id=\"302f0cd2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e346435 elementor-widget elementor-widget-text-editor\" data-id=\"5e346435\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>For some professions, professional indemnity insurance germany isn&#8217;t optional \u2014 Berufshaftpflicht is a legal requirement before you&#8217;re allowed to practise. This applies to <a href=\"https:\/\/www.brak.de\/en\/\" target=\"_blank\" rel=\"noopener\">lawyers (Rechtsanw\u00e4lte)<\/a>, tax advisors (Steuerberater), architects, doctors, notaries, financial intermediaries under <a href=\"https:\/\/www.bafin.de\/EN\/Homepage\/homepage_node.html\" target=\"_blank\" rel=\"noopener\">\u00a734f\/\u00a734h<\/a>, and \u2014 in several Bundesl\u00e4nder \u2014 engineers. Your <a href=\"https:\/\/www.dihk.de\/en\" target=\"_blank\" rel=\"noopener\">chamber or licensing body<\/a> will usually specify a minimum sum insured, and you&#8217;ll need proof of cover before you can register or bill clients.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1642\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1642\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Freelancers with client visits or business premises <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1642\" class=\"elementor-element elementor-element-722035fe e-con-full e-flex e-con e-child\" data-id=\"722035fe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b306887 elementor-widget elementor-widget-text-editor\" data-id=\"7b306887\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If clients, suppliers, or delivery staff ever visit your office, studio, or workshop, you carry a different kind of risk: someone trips on your stairs, a client&#8217;s laptop gets damaged during a meeting, or a delivery causes damage to a shared building. This is classic <a href=\"https:\/\/de.wikipedia.org\/wiki\/Betriebshaftpflichtversicherung\" target=\"_blank\" rel=\"noopener\">Betriebshaftpflicht (public liability)<\/a> territory. Your <a href=\"\/services\/liability-insurance-germany\/\">personal Haftpflicht policy<\/a> does not cover this \u2014 private liability insurance explicitly excludes business activity, so self-employed insurance germany needs its own separate business liability insurance germany policy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-60487950 e-flex e-con-boxed e-con e-parent\" data-id=\"60487950\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ae7e1cd elementor-widget elementor-widget-heading\" data-id=\"2ae7e1cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Why it matters<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-135e8a50 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"135e8a50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why freelancers in Germany can't rely on private cover alone<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-52a38f71 e-grid e-con-full e-con e-child\" data-id=\"52a38f71\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-743ed191 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"743ed191\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-double\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505 174.8l-39.6-39.6c-9.4-9.4-24.6-9.4-33.9 0L192 374.7 80.6 263.2c-9.4-9.4-24.6-9.4-33.9 0L7 302.9c-9.4 9.4-9.4 24.6 0 34L175 505c9.4 9.4 24.6 9.4 33.9 0l296-296.2c9.4-9.5 9.4-24.7.1-34zm-324.3 106c6.2 6.3 16.4 6.3 22.6 0l208-208.2c6.2-6.3 6.2-16.4 0-22.6L366.1 4.7c-6.2-6.3-16.4-6.3-22.6 0L192 156.2l-55.4-55.5c-6.2-6.3-16.4-6.3-22.6 0L68.7 146c-6.2 6.3-6.2 16.4 0 22.6l112 112.2z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPrivate liability stops at your business\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tYour personal Haftpflicht policy was built for private life. The moment a claim arises from your freelance or self-employed activity, that policy typically declines it. Freelancer insurance germany has to be arranged separately, in its own name, from day one of trading.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b04f157 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"5b04f157\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-double\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505 174.8l-39.6-39.6c-9.4-9.4-24.6-9.4-33.9 0L192 374.7 80.6 263.2c-9.4-9.4-24.6-9.4-33.9 0L7 302.9c-9.4 9.4-9.4 24.6 0 34L175 505c9.4 9.4 24.6 9.4 33.9 0l296-296.2c9.4-9.5 9.4-24.7.1-34zm-324.3 106c6.2 6.3 16.4 6.3 22.6 0l208-208.2c6.2-6.3 6.2-16.4 0-22.6L366.1 4.7c-6.2-6.3-16.4-6.3-22.6 0L192 156.2l-55.4-55.5c-6.2-6.3-16.4-6.3-22.6 0L68.7 146c-6.2 6.3-6.2 16.4 0 22.6l112 112.2z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tClient contracts often demand proof of cover\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tAgencies, corporates, and public-sector clients increasingly ask freelancers to show a valid Berufshaftpflicht or Betriebshaftpflicht certificate before signing a contract. Without cover in place, you can lose a placement just because you can't produce the paperwork.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16c5e6cc elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"16c5e6cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-double\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505 174.8l-39.6-39.6c-9.4-9.4-24.6-9.4-33.9 0L192 374.7 80.6 263.2c-9.4-9.4-24.6-9.4-33.9 0L7 302.9c-9.4 9.4-9.4 24.6 0 34L175 505c9.4 9.4 24.6 9.4 33.9 0l296-296.2c9.4-9.5 9.4-24.7.1-34zm-324.3 106c6.2 6.3 16.4 6.3 22.6 0l208-208.2c6.2-6.3 6.2-16.4 0-22.6L366.1 4.7c-6.2-6.3-16.4-6.3-22.6 0L192 156.2l-55.4-55.5c-6.2-6.3-16.4-6.3-22.6 0L68.7 146c-6.2 6.3-6.2 16.4 0 22.6l112 112.2z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tA single claim can outweigh years of income\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tA financial loss claim against an IT freelancer, or a professional indemnity claim against a consultant, can run into tens of thousands of euros \u2014 legal defence costs included, even if the claim is eventually rejected. Business liability insurance germany exists to absorb that risk.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57117e35 e-flex e-con-boxed e-con e-parent\" data-id=\"57117e35\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2a7318db e-con-full e-flex e-con e-child\" data-id=\"2a7318db\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-707a3f4b elementor-widget elementor-widget-heading\" data-id=\"707a3f4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">How to choose<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87cfaf9 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"87cfaf9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to choose the right business insurance as a freelancer in Germany<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45b83a0 elementor-widget elementor-widget-text-editor\" data-id=\"45b83a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>There&#8217;s no single &#8216;freelancer policy&#8217; in Germany \u2014 cover is built profession by profession. A graphic designer, an IT contractor, and a management consultant will each end up with a different combination of Betriebshaftpflicht, Verm\u00f6gensschadenhaftpflicht, and <a href=\"https:\/\/de.wikipedia.org\/wiki\/Cyberversicherung\" target=\"_blank\" rel=\"noopener\">Cyber-Versicherung<\/a>, even though all three might describe themselves as self-employed. <strong>The starting point isn&#8217;t the cheapest premium; it&#8217;s an honest look at where your specific work could go wrong, and for whom.<\/strong> As an independent broker (<a href=\"https:\/\/www.bafin.de\/EN\/Homepage\/homepage_node.html\" target=\"_blank\" rel=\"noopener\">\u00a734d GewO<\/a>), Christian compares offers across the market rather than pushing a single insurer&#8217;s product.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-309c99d2 e-con-full e-flex e-con e-child\" data-id=\"309c99d2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13a733b3 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"13a733b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3 products<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bc9360c elementor-widget elementor-widget-text-editor\" data-id=\"2bc9360c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Betriebshaftpflicht, Berufshaftpflicht and Verm\u00f6gensschadenhaftpflicht \u2014 most freelancers combine at least two, often with Cyber-Versicherung on top.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5afee399 e-con-full e-flex e-con e-child\" data-id=\"5afee399\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6af25008 elementor-widget elementor-widget-heading\" data-id=\"6af25008\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What to consider before choosing<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d37877c elementor-widget elementor-widget-text-editor\" data-id=\"4d37877c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The questions that decide which combination of freelancer cover you actually need:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4efafaa3 e-grid e-con-full e-con e-child\" data-id=\"4efafaa3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-63f2c32e elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"63f2c32e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Is Berufshaftpflicht mandatory for your specific profession, or optional?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Do you work with client data, code, or systems (relevant for Verm\u00f6gensschadenhaftpflicht and Cyber-Versicherung)?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Do clients or third parties ever visit your premises?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">What sum insured do your contracts or clients typically require?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61c563d1 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"61c563d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Solo freelancer or with staff (relevant for Firmen-Rechtsschutz)?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Do you hold valuable equipment or inventory (Gesch\u00e4ftsinhaltsversicherung)?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Do you work internationally, or only within Germany?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Can policies be bundled to avoid overlapping or duplicate cover?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-17aa6da7 e-flex e-con-boxed e-con e-parent\" data-id=\"17aa6da7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-548db29a elementor-widget elementor-widget-text-editor\" data-id=\"548db29a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>These questions form the basis of a short profession-specific consultation \u2014 there&#8217;s no fixed package that fits every freelancer. As an independent broker, we&#8217;re paid via commission already included in the premium, so working out your right combination costs nothing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f6d0bab e-flex e-con-boxed e-con e-parent\" data-id=\"f6d0bab\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-effd836 elementor-widget elementor-widget-menu-anchor\" data-id=\"effd836\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"covered\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b09099c elementor-widget elementor-widget-heading\" data-id=\"5b09099c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">What's covered<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f8d4c71 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"6f8d4c71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What business insurance for freelancers typically covers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a26fad6 elementor-widget elementor-widget-text-editor\" data-id=\"3a26fad6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The core protection each of the three main freelancer products delivers when a claim arises.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6cee5d9d e-grid e-con-full e-con e-child\" data-id=\"6cee5d9d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-772f6bc8 e-con-full e-flex e-con e-child\" data-id=\"772f6bc8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-d3f38f5 e-con-full e-flex e-con e-child\" data-id=\"d3f38f5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7691333f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7691333f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Covered<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72e44820 elementor-view-stacked elementor-shape-rounded elementor-widget elementor-widget-icon\" data-id=\"72e44820\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-shield\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M622.3 271.1l-115.2-45c-4.1-1.6-12.6-3.7-22.2 0l-115.2 45c-10.7 4.2-17.7 14-17.7 24.9 0 111.6 68.7 188.8 132.9 213.9 9.6 3.7 18 1.6 22.2 0C558.4 489.9 640 420.5 640 296c0-10.9-7-20.7-17.7-24.9zM496 462.4V273.3l95.5 37.3c-5.6 87.1-60.9 135.4-95.5 151.8zM224 256c70.7 0 128-57.3 128-128S294.7 0 224 0 96 57.3 96 128s57.3 128 128 128zm96 40c0-2.5.8-4.8 1.1-7.2-2.5-.1-4.9-.8-7.5-.8h-16.7c-22.2 10.2-46.9 16-72.9 16s-50.6-5.8-72.9-16h-16.7C60.2 288 0 348.2 0 422.4V464c0 26.5 21.5 48 48 48h352c6.8 0 13.3-1.5 19.2-4-54-42.9-99.2-116.7-99.2-212z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e756a84 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2e756a84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-18b7f57c e-con-full e-flex e-con e-child\" data-id=\"18b7f57c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-26a9c51b elementor-widget elementor-widget-icon-box\" data-id=\"26a9c51b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tThird-party bodily injury and property damage\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tBetriebshaftpflicht covers claims where your business activity causes injury to a person or damage to property \u2014 a client tripping in your studio, equipment damaged during an on-site visit \u2014 including defence costs against unjustified claims.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-21cd075b e-con-full e-flex e-con e-child\" data-id=\"21cd075b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1d61921a e-con-full e-flex e-con e-child\" data-id=\"1d61921a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1cb23de3 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1cb23de3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Covered<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-341a7ab0 elementor-view-stacked elementor-shape-rounded elementor-widget elementor-widget-icon\" data-id=\"341a7ab0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-euro-sign\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M310.706 413.765c-1.314-6.63-7.835-10.872-14.424-9.369-10.692 2.439-27.422 5.413-45.426 5.413-56.763 0-101.929-34.79-121.461-85.449h113.689a12 12 0 0 0 11.708-9.369l6.373-28.36c1.686-7.502-4.019-14.631-11.708-14.631H115.22c-1.21-14.328-1.414-28.287.137-42.245H261.95a12 12 0 0 0 11.723-9.434l6.512-29.755c1.638-7.484-4.061-14.566-11.723-14.566H130.184c20.633-44.991 62.69-75.03 117.619-75.03 14.486 0 28.564 2.25 37.851 4.145 6.216 1.268 12.347-2.498 14.002-8.623l11.991-44.368c1.822-6.741-2.465-13.616-9.326-14.917C290.217 34.912 270.71 32 249.635 32 152.451 32 74.03 92.252 45.075 176H12c-6.627 0-12 5.373-12 12v29.755c0 6.627 5.373 12 12 12h21.569c-1.009 13.607-1.181 29.287-.181 42.245H12c-6.627 0-12 5.373-12 12v28.36c0 6.627 5.373 12 12 12h30.114C67.139 414.692 145.264 480 249.635 480c26.301 0 48.562-4.544 61.101-7.788 6.167-1.595 10.027-7.708 8.788-13.957l-8.818-44.49z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21248439 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"21248439\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-35ee1b92 e-con-full e-flex e-con e-child\" data-id=\"35ee1b92\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-54022701 elementor-widget elementor-widget-icon-box\" data-id=\"54022701\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPure financial loss from professional mistakes\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tVerm\u00f6gensschadenhaftpflicht covers financial damage a client suffers from your advice or work, even where no physical damage occurred \u2014 a coding error causing downtime, a miscalculation in a report, missed deadlines with contractual penalties.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-184d7bbc e-con-full e-flex e-con e-child\" data-id=\"184d7bbc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-624594ca e-con-full e-flex e-con e-child\" data-id=\"624594ca\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61512bbe elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"61512bbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Covered<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-519a2312 elementor-view-stacked elementor-shape-rounded elementor-widget elementor-widget-icon\" data-id=\"519a2312\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-double\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505 174.8l-39.6-39.6c-9.4-9.4-24.6-9.4-33.9 0L192 374.7 80.6 263.2c-9.4-9.4-24.6-9.4-33.9 0L7 302.9c-9.4 9.4-9.4 24.6 0 34L175 505c9.4 9.4 24.6 9.4 33.9 0l296-296.2c9.4-9.5 9.4-24.7.1-34zm-324.3 106c6.2 6.3 16.4 6.3 22.6 0l208-208.2c6.2-6.3 6.2-16.4 0-22.6L366.1 4.7c-6.2-6.3-16.4-6.3-22.6 0L192 156.2l-55.4-55.5c-6.2-6.3-16.4-6.3-22.6 0L68.7 146c-6.2 6.3-6.2 16.4 0 22.6l112 112.2z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24c6892f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"24c6892f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e9f7102 e-con-full e-flex e-con e-child\" data-id=\"5e9f7102\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a0e2b76 elementor-widget elementor-widget-icon-box\" data-id=\"4a0e2b76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tMandatory professional liability for regulated fields\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tBerufshaftpflicht meets the legal minimum cover required for professions like lawyers, tax advisors, architects, and certain financial intermediaries, satisfying licensing and chamber requirements.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d1a5f63 e-con-full e-flex e-con e-child\" data-id=\"3d1a5f63\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4b9f4012 e-con-full e-flex e-con e-child\" data-id=\"4b9f4012\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4a6d407e elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4a6d407e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Covered<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a9a172e elementor-view-stacked elementor-shape-rounded elementor-widget elementor-widget-icon\" data-id=\"5a9a172e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-user-lock\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224 256A128 128 0 1 0 96 128a128 128 0 0 0 128 128zm96 64a63.08 63.08 0 0 1 8.1-30.5c-4.8-.5-9.5-1.5-14.5-1.5h-16.7a174.08 174.08 0 0 1-145.8 0h-16.7A134.43 134.43 0 0 0 0 422.4V464a48 48 0 0 0 48 48h280.9a63.54 63.54 0 0 1-8.9-32zm288-32h-32v-80a80 80 0 0 0-160 0v80h-32a32 32 0 0 0-32 32v160a32 32 0 0 0 32 32h224a32 32 0 0 0 32-32V320a32 32 0 0 0-32-32zM496 432a32 32 0 1 1 32-32 32 32 0 0 1-32 32zm32-144h-64v-80a32 32 0 0 1 64 0z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13cd4b24 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"13cd4b24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-36eca0ae e-con-full e-flex e-con e-child\" data-id=\"36eca0ae\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1f60e244 elementor-widget elementor-widget-icon-box\" data-id=\"1f60e244\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tCyber incident costs\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tCyber-Versicherung covers costs following a data breach, hacking, or ransomware attack \u2014 forensic investigation, data recovery, notification obligations, and resulting liability claims from affected clients.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-233062d3 e-flex e-con-boxed e-con e-parent\" data-id=\"233062d3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f72873b elementor-widget elementor-widget-heading\" data-id=\"7f72873b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Good to know<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51734c88 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"51734c88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What business insurance for freelancers does not cover<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11ee5949 elementor-widget elementor-widget-text-editor\" data-id=\"11ee5949\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Common exclusions worth knowing before you rely on a freelancer liability policy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-720ed105 e-grid e-con-full e-con e-child\" data-id=\"720ed105\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1fc11b84 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"1fc11b84\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-window-maximize\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M464 32H48C21.5 32 0 53.5 0 80v352c0 26.5 21.5 48 48 48h416c26.5 0 48-21.5 48-48V80c0-26.5-21.5-48-48-48zm0 394c0 3.3-2.7 6-6 6H54c-3.3 0-6-2.7-6-6V192h416v234z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tYour own equipment and business contents\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tBetriebshaftpflicht, Berufshaftpflicht and Verm\u00f6gensschadenhaftpflicht all cover damage to third parties \u2014 not your own laptop, tools, or office contents. That needs a separate Gesch\u00e4ftsinhaltsversicherung.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc2350 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"bc2350\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-house-user\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M570.69,236.27,512,184.44V48a16,16,0,0,0-16-16H432a16,16,0,0,0-16,16V99.67L314.78,10.3C308.5,4.61,296.53,0,288,0s-20.46,4.61-26.74,10.3l-256,226A18.27,18.27,0,0,0,0,248.2a18.64,18.64,0,0,0,4.09,10.71L25.5,282.7a21.14,21.14,0,0,0,12,5.3,21.67,21.67,0,0,0,10.69-4.11l15.9-14V480a32,32,0,0,0,32,32H480a32,32,0,0,0,32-32V269.88l15.91,14A21.94,21.94,0,0,0,538.63,288a20.89,20.89,0,0,0,11.87-5.31l21.41-23.81A21.64,21.64,0,0,0,576,248.19,21,21,0,0,0,570.69,236.27ZM288,176a64,64,0,1,1-64,64A64,64,0,0,1,288,176ZM400,448H176a16,16,0,0,1-16-16,96,96,0,0,1,96-96h64a96,96,0,0,1,96,96A16,16,0,0,1,400,448Z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tDeliberate or knowingly false work\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIntentional acts, knowingly submitting incorrect work, or fraud are excluded across all liability policies. Cover applies to mistakes and negligence, not deliberate wrongdoing.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d6463f6 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"5d6463f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-lock\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M400 224h-24v-72C376 68.2 307.8 0 224 0S72 68.2 72 152v72H48c-26.5 0-48 21.5-48 48v192c0 26.5 21.5 48 48 48h352c26.5 0 48-21.5 48-48V272c0-26.5-21.5-48-48-48zm-104 0H152v-72c0-39.7 32.3-72 72-72s72 32.3 72 72v72z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tEmployment and business contract disputes\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLiability policies don't cover legal costs from disputes with employees, subcontractors, or clients over contract terms. That falls under Firmen-Rechtsschutz, a separate policy from private Rechtsschutz.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d0a5553 elementor-view-stacked elementor-shape-rounded e-transform elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"4d0a5553\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-12,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-layer-group\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M12.41 148.02l232.94 105.67c6.8 3.09 14.49 3.09 21.29 0l232.94-105.67c16.55-7.51 16.55-32.52 0-40.03L266.65 2.31a25.607 25.607 0 0 0-21.29 0L12.41 107.98c-16.55 7.51-16.55 32.53 0 40.04zm487.18 88.28l-58.09-26.33-161.64 73.27c-7.56 3.43-15.59 5.17-23.86 5.17s-16.29-1.74-23.86-5.17L70.51 209.97l-58.1 26.33c-16.55 7.5-16.55 32.5 0 40l232.94 105.59c6.8 3.08 14.49 3.08 21.29 0L499.59 276.3c16.55-7.5 16.55-32.5 0-40zm0 127.8l-57.87-26.23-161.86 73.37c-7.56 3.43-15.59 5.17-23.86 5.17s-16.29-1.74-23.86-5.17L70.29 337.87 12.41 364.1c-16.55 7.5-16.55 32.5 0 40l232.94 105.59c6.8 3.08 14.49 3.08 21.29 0L499.59 404.1c16.55-7.5 16.55-32.5 0-40z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tManagement decisions of a company you direct\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIf you operate through a GmbH and act as a director, personal liability for management decisions typically requires D&amp;O (Directors &amp; Officers) cover \u2014 a different product from freelancer liability insurance.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3dc8ca27 elementor-widget elementor-widget-text-editor\" data-id=\"3dc8ca27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Exact inclusions and limits vary by insurer and tariff. Part of the free advice is checking the wording against your specific freelance situation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f64eeb3 e-flex e-con-boxed e-con e-parent\" data-id=\"f64eeb3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6123e614 elementor-widget elementor-widget-heading\" data-id=\"6123e614\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Easily confused<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21580f32 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"21580f32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Betriebshaftpflicht vs Berufshaftpflicht\/Verm\u00f6gensschaden vs Cyber<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-710a9d7 elementor-widget elementor-widget-text-editor\" data-id=\"710a9d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Three different products, three different risks \u2014 most freelancers end up combining at least two.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-21516be4 e-grid e-con-full e-con e-child\" data-id=\"21516be4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-685c7d92 elementor-widget elementor-widget-image\" data-id=\"685c7d92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"377\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-1024x483.png\" class=\"attachment-large size-large wp-image-104\" alt=\"\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-1024x483.png 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-300x141.png 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-768x362.png 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-1536x724.png 1536w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-2048x965.png 2048w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/insure-germany_logo-18x8.png 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b3982e3 elementor-widget elementor-widget-text-editor\" data-id=\"2b3982e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Betriebshaftpflicht (public liability)<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a7b592e elementor-widget elementor-widget-text-editor\" data-id=\"2a7b592e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Berufshaftpflicht \/ Verm\u00f6gensschadenhaftpflicht<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-597b4af3 elementor-widget elementor-widget-text-editor\" data-id=\"597b4af3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Cyber-Versicherung<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b6bda31 elementor-widget elementor-widget-text-editor\" data-id=\"3b6bda31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Covers<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75747175 elementor-widget elementor-widget-text-editor\" data-id=\"75747175\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Bodily injury and property damage to third parties from business activity<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-551f273c elementor-widget elementor-widget-text-editor\" data-id=\"551f273c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Financial loss caused by professional advice, work, or mistakes<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c6e9f39 elementor-widget elementor-widget-text-editor\" data-id=\"2c6e9f39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Costs from data breaches, hacking, ransomware, business interruption<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d0c6749 elementor-widget elementor-widget-text-editor\" data-id=\"6d0c6749\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Typical claim<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70288b1c elementor-widget elementor-widget-text-editor\" data-id=\"70288b1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Client injured on your premises, equipment damaged on-site<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-595a89f8 elementor-widget elementor-widget-text-editor\" data-id=\"595a89f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Coding error, bad advice, missed deadline causing financial loss<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-81364a4 elementor-widget elementor-widget-text-editor\" data-id=\"81364a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ransomware locking client files, leaked customer data<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c421679 elementor-widget elementor-widget-text-editor\" data-id=\"2c421679\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Best for<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c14b1c9 elementor-widget elementor-widget-text-editor\" data-id=\"7c14b1c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Freelancers with client visits, on-site work or physical premises<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fef89aa elementor-widget elementor-widget-text-editor\" data-id=\"4fef89aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>IT freelancers, consultants, coaches, translators, regulated professions<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f7b4a0c elementor-widget elementor-widget-text-editor\" data-id=\"6f7b4a0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Anyone handling client data, remote work, cloud-based tools<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44388a9 elementor-widget elementor-widget-text-editor\" data-id=\"44388a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Mandatory?<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-339e381c elementor-widget elementor-widget-text-editor\" data-id=\"339e381c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Not federally mandatory, but often required by clients<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7782da7 elementor-widget elementor-widget-text-editor\" data-id=\"7782da7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Mandatory for lawyers, tax advisors, architects, doctors, <a href=\"https:\/\/www.bafin.de\/EN\/Homepage\/homepage_node.html\" target=\"_blank\" rel=\"noopener\">\u00a734f\/\u00a734h<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34ab8765 elementor-widget elementor-widget-text-editor\" data-id=\"34ab8765\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Not mandatory<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74666d92 elementor-widget elementor-widget-text-editor\" data-id=\"74666d92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Learn more<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fcbe56f elementor-widget elementor-widget-text-editor\" data-id=\"7fcbe56f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/insure-germany.com\/contact\/\"><span style=\"color: #ff9900;\">Ask us<\/span><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10b814aa elementor-widget elementor-widget-text-editor\" data-id=\"10b814aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #ff9900;\">Ask us<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b55de38 elementor-widget elementor-widget-text-editor\" data-id=\"2b55de38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"https:\/\/insure-germany.com\/contact\/\">Ask us<\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25f1dafe elementor-widget elementor-widget-text-editor\" data-id=\"25f1dafe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Sums insured and waiting periods vary by insurer and profession \u2014 exact figures are confirmed during the personal consultation, not published as a flat rate.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3629a100 e-flex e-con-boxed e-con e-parent\" data-id=\"3629a100\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c198101 elementor-widget elementor-widget-heading\" data-id=\"c198101\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Good to understand<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a9a44d5 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"7a9a44d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How business insurance for freelancers works in Germany<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46ee8a15 elementor-widget elementor-widget-text-editor\" data-id=\"46ee8a15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The mechanics behind Betriebshaftpflicht, Berufshaftpflicht, Verm\u00f6gensschadenhaftpflicht, and <a href=\"https:\/\/de.wikipedia.org\/wiki\/Cyberversicherung\" target=\"_blank\" rel=\"noopener\">Cyber-Versicherung<\/a>, explained in plain terms.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fd62cbc elementor-widget__width-initial elementor-widget elementor-widget-n-accordion\" data-id=\"5fd62cbc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1600\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1600\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How does business insurance work in practice? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1600\" class=\"elementor-element elementor-element-55595e6f e-con-full e-flex e-con e-child\" data-id=\"55595e6f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3847f273 elementor-widget elementor-widget-text-editor\" data-id=\"3847f273\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>You take out a policy matched to your profession and risk profile, pay an annual or monthly premium, and the insurer steps in if a covered claim arises \u2014 either paying a justified claim on your behalf or defending you against an unjustified one. For freelancers, this usually means a combination of Betriebshaftpflicht, and where relevant, Berufshaftpflicht or Verm\u00f6gensschadenhaftpflicht, sometimes bundled with Cyber-Versicherung.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1601\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1601\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Which insurance is mandatory for freelancers in Germany? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1601\" class=\"elementor-element elementor-element-24fc8a11 e-con-full e-flex e-con e-child\" data-id=\"24fc8a11\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20026b29 elementor-widget elementor-widget-text-editor\" data-id=\"20026b29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>There&#8217;s no single mandatory policy for all freelancers. Berufshaftpflicht is legally required for specific regulated professions \u2014 <a href=\"https:\/\/www.brak.de\/en\/\" target=\"_blank\" rel=\"noopener\">lawyers<\/a>, tax advisors, architects, doctors, notaries, and financial intermediaries under <a href=\"https:\/\/www.bafin.de\/EN\/Homepage\/homepage_node.html\" target=\"_blank\" rel=\"noopener\">\u00a734f\/\u00a734h<\/a>. Most other freelancers, including IT freelancers, designers, and consultants, aren&#8217;t legally obligated to hold any specific business insurance, though clients frequently require proof of Betriebshaftpflicht or Verm\u00f6gensschadenhaftpflicht before contracting.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1602\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1602\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What's the difference between Betriebshaftpflicht and Berufshaftpflicht? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1602\" class=\"elementor-element elementor-element-66b0da24 e-con-full e-flex e-con e-child\" data-id=\"66b0da24\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3971174d elementor-widget elementor-widget-text-editor\" data-id=\"3971174d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/de.wikipedia.org\/wiki\/Betriebshaftpflichtversicherung\" target=\"_blank\" rel=\"noopener\">Betriebshaftpflicht (public liability)<\/a> covers physical injury or property damage caused by your general business operations. <a href=\"https:\/\/de.wikipedia.org\/wiki\/Berufshaftpflichtversicherung\" target=\"_blank\" rel=\"noopener\">Berufshaftpflicht (professional indemnity)<\/a> covers damage arising specifically from professional advice or specialist work \u2014 and is the version that&#8217;s legally mandatory for certain regulated professions. Many freelancers need Betriebshaftpflicht regardless of profession, while Berufshaftpflicht only applies to specific licensed fields.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1603\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1603\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do IT freelancers need Verm\u00f6gensschadenhaftpflicht? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1603\" class=\"elementor-element elementor-element-e99d980 e-con-full e-flex e-con e-child\" data-id=\"e99d980\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-84ad568 elementor-widget elementor-widget-text-editor\" data-id=\"84ad568\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>In most cases, yes. IT freelancers rarely cause physical damage, but a bug, security gap, or missed specification can cause a client significant financial loss without any physical harm. Standard Betriebshaftpflicht policies typically exclude pure financial loss, which is why Verm\u00f6gensschadenhaftpflicht is the standard recommendation for developers, consultants, and other IT freelancer insurance germany buyers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1604\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1604\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What does Cyber-Versicherung actually cover? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1604\" class=\"elementor-element elementor-element-5308dd65 e-con-full e-flex e-con e-child\" data-id=\"5308dd65\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b6ba839 elementor-widget elementor-widget-text-editor\" data-id=\"7b6ba839\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Cyber-Versicherung typically covers the direct costs of a <a href=\"https:\/\/www.bsi.bund.de\/EN\/Themen\/Wirtschaft-und-Politik\/Cyber-Sicherheitslage\/cybersicherheitslage_node.html\" target=\"_blank\" rel=\"noopener\">cyber incident<\/a> \u2014 IT forensics, data recovery, legal advice on notification duties, PR support after a breach \u2014 plus liability claims from clients or third parties whose data was compromised through your systems. For freelancers working with cloud tools, client databases, or remote access, it closes a gap general liability policies don&#8217;t cover.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1605\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1605\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is business insurance advice from a broker really free? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1605\" class=\"elementor-element elementor-element-303d3484 e-con-full e-flex e-con e-child\" data-id=\"303d3484\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-283e86b5 elementor-widget elementor-widget-text-editor\" data-id=\"283e86b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes. As an independent broker licensed under <a href=\"https:\/\/www.bafin.de\/EN\/Homepage\/homepage_node.html\" target=\"_blank\" rel=\"noopener\">\u00a734d GewO<\/a>, Christian is remunerated through commission paid by the insurer once a policy is placed \u2014 not through a fee charged to you. Comparing offers, explaining the difference between <a href=\"https:\/\/de.wikipedia.org\/wiki\/Betriebshaftpflichtversicherung\" target=\"_blank\" rel=\"noopener\">Betriebshaftpflicht<\/a> and <a href=\"https:\/\/de.wikipedia.org\/wiki\/Berufshaftpflichtversicherung\" target=\"_blank\" rel=\"noopener\">Berufshaftpflicht<\/a>, and helping you choose a sum insured costs nothing upfront.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How does business insurance work in practice?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You take out a policy matched to your profession and risk profile, pay an annual or monthly premium, and the insurer steps in if a covered claim arises \\u2014 either paying a justified claim on your behalf or defending you against an unjustified one. For freelancers, this usually means a combination of Betriebshaftpflicht, and where relevant, Berufshaftpflicht or Verm\\u00f6gensschadenhaftpflicht, sometimes bundled with Cyber-Versicherung.\"}},{\"@type\":\"Question\",\"name\":\"Which insurance is mandatory for freelancers in Germany?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"There&#8217;s no single mandatory policy for all freelancers. Berufshaftpflicht is legally required for specific regulated professions \\u2014 lawyers, tax advisors, architects, doctors, notaries, and financial intermediaries under \\u00a734f\\\/\\u00a734h. Most other freelancers, including IT freelancers, designers, and consultants, aren&#8217;t legally obligated to hold any specific business insurance, though clients frequently require proof of Betriebshaftpflicht or Verm\\u00f6gensschadenhaftpflicht before contracting.\"}},{\"@type\":\"Question\",\"name\":\"What's the difference between Betriebshaftpflicht and Berufshaftpflicht?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Betriebshaftpflicht (public liability) covers physical injury or property damage caused by your general business operations. Berufshaftpflicht (professional indemnity) covers damage arising specifically from professional advice or specialist work \\u2014 and is the version that&#8217;s legally mandatory for certain regulated professions. Many freelancers need Betriebshaftpflicht regardless of profession, while Berufshaftpflicht only applies to specific licensed fields.\"}},{\"@type\":\"Question\",\"name\":\"Do IT freelancers need Verm\\u00f6gensschadenhaftpflicht?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"In most cases, yes. IT freelancers rarely cause physical damage, but a bug, security gap, or missed specification can cause a client significant financial loss without any physical harm. Standard Betriebshaftpflicht policies typically exclude pure financial loss, which is why Verm\\u00f6gensschadenhaftpflicht is the standard recommendation for developers, consultants, and other IT freelancer insurance germany buyers.\"}},{\"@type\":\"Question\",\"name\":\"What does Cyber-Versicherung actually cover?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Cyber-Versicherung typically covers the direct costs of a cyber incident \\u2014 IT forensics, data recovery, legal advice on notification duties, PR support after a breach \\u2014 plus liability claims from clients or third parties whose data was compromised through your systems. For freelancers working with cloud tools, client databases, or remote access, it closes a gap general liability policies don&#8217;t cover.\"}},{\"@type\":\"Question\",\"name\":\"Is business insurance advice from a broker really free?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. As an independent broker licensed under \\u00a734d GewO, Christian is remunerated through commission paid by the insurer once a policy is placed \\u2014 not through a fee charged to you. Comparing offers, explaining the difference between Betriebshaftpflicht and Berufshaftpflicht, and helping you choose a sum insured costs nothing upfront.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-42ad117f e-flex e-con-boxed e-con e-parent\" data-id=\"42ad117f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b76797 elementor-widget elementor-widget-heading\" data-id=\"b76797\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Why an independent broker<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3916461 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"3916461\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Independent advice, not a single insurer's product list<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3805dc66 elementor-widget elementor-widget-text-editor\" data-id=\"3805dc66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>What an independent broker actually does for freelancers \u2014 kept in numbers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2fe25db7 e-grid e-con-full e-con e-child\" data-id=\"2fe25db7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-21504fc7 e-con-full e-transform e-flex e-con e-child\" data-id=\"21504fc7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-7,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-673aa02d elementor-widget elementor-widget-heading\" data-id=\"673aa02d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">100+\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d82b9f9 elementor-widget elementor-widget-icon-box\" data-id=\"2d82b9f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tProviders compared\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWhole-of-market view across Betriebshaftpflicht, Berufshaftpflicht, Verm\u00f6gensschadenhaftpflicht and Cyber-Versicherung providers.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-69aac14d e-con-full e-transform e-flex e-con e-child\" data-id=\"69aac14d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-7,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b16dc6f elementor-widget elementor-widget-heading\" data-id=\"1b16dc6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">\u00a7 34d<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-556b18dc elementor-widget elementor-widget-icon-box\" data-id=\"556b18dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tLicensed broker\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tRegistered insurance broker under \u00a734d GewO \u2014 legally your representative, not the insurer's salesperson.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fc5c322 e-con-full e-transform e-flex e-con e-child\" data-id=\"fc5c322\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-7,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a6c91ac elementor-widget elementor-widget-heading\" data-id=\"7a6c91ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">\u20ac0<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a5bce2d elementor-widget elementor-widget-icon-box\" data-id=\"6a5bce2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAdvice is free\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tBrokers are paid via commission already included in the premium. Your policy costs the same, with or without us.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-42a6d387 e-con-full e-transform e-flex e-con e-child\" data-id=\"42a6d387\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-7,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44e7edc5 elementor-widget elementor-widget-heading\" data-id=\"44e7edc5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">EN \/ DE<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-610dc557 elementor-widget elementor-widget-icon-box\" data-id=\"610dc557\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tEnglish support\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSetup, tariff comparison and claims handled in English or German \u2014 whichever is easier for you.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-44d5fe18 e-con-full e-transform e-flex e-con e-child\" data-id=\"44d5fe18\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-7,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14d2a0 elementor-widget elementor-widget-heading\" data-id=\"14d2a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">1<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d12655e elementor-widget elementor-widget-icon-box\" data-id=\"1d12655e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tNamed contact\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tOne person who knows your file \u2014 from the first comparison through to a claim years later.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-40506b62 e-con-full e-transform e-flex e-con e-child\" data-id=\"40506b62\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_transform_translateY_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:-7,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_hover_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-431339b4 elementor-widget elementor-widget-heading\" data-id=\"431339b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">5000+\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fa7073b elementor-widget elementor-widget-icon-box\" data-id=\"6fa7073b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tClients advised\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tInsert your real figure once available \u2014 a verified client count builds strong trust here.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37c4431d e-flex e-con-boxed e-con e-parent\" data-id=\"37c4431d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76e779f7 elementor-widget elementor-widget-heading\" data-id=\"76e779f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Your questions answered<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36310609 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"36310609\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Business insurance for freelancers in Germany \u2014 FAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68093a1a elementor-widget__width-initial elementor-widget elementor-widget-n-accordion\" data-id=\"68093a1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1740\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1740\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do all freelancers in Germany need business insurance? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1740\" class=\"elementor-element elementor-element-2c6c7e81 e-con-full e-flex e-con e-child\" data-id=\"2c6c7e81\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33b99f6d elementor-widget elementor-widget-text-editor\" data-id=\"33b99f6d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No. Business insurance for freelancers is a legal requirement only for specific regulated professions, such as lawyers, tax advisors, architects, doctors, and certain financial advisors. Most other freelancers aren&#8217;t legally obligated to hold cover, though clients often ask for proof of liability insurance before signing contracts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1741\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1741\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What's the difference between Betriebshaftpflicht and Berufshaftpflicht? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1741\" class=\"elementor-element elementor-element-20da8820 e-con-full e-flex e-con e-child\" data-id=\"20da8820\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-517f7342 elementor-widget elementor-widget-text-editor\" data-id=\"517f7342\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/de.wikipedia.org\/wiki\/Betriebshaftpflichtversicherung\" target=\"_blank\" rel=\"noopener\">Betriebshaftpflicht<\/a> covers physical injury and property damage from general business activity. <a href=\"https:\/\/de.wikipedia.org\/wiki\/Berufshaftpflichtversicherung\" target=\"_blank\" rel=\"noopener\">Berufshaftpflicht<\/a> covers damage from professional advice or specialist work, and is legally mandatory for certain regulated professions like lawyers and tax advisors.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1742\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1742\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is my private liability insurance enough as a freelancer? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1742\" class=\"elementor-element elementor-element-3e4023a4 e-con-full e-flex e-con e-child\" data-id=\"3e4023a4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ae38de0 elementor-widget elementor-widget-text-editor\" data-id=\"7ae38de0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No. <a href=\"\/services\/liability-insurance-germany\/\">Personal Haftpflicht insurance<\/a> excludes claims arising from business or self-employed activity. Freelancers need a separate business liability policy, regardless of how comprehensive their private cover is.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1743\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1743\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Do IT freelancers need a specific type of insurance? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1743\" class=\"elementor-element elementor-element-24754cdf e-con-full e-flex e-con e-child\" data-id=\"24754cdf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18debe8c elementor-widget elementor-widget-text-editor\" data-id=\"18debe8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>IT freelancers typically need Verm\u00f6gensschadenhaftpflicht, which covers pure financial loss caused by mistakes in code, advice, or specifications \u2014 a gap that standard Betriebshaftpflicht usually doesn&#8217;t cover. <a href=\"https:\/\/de.wikipedia.org\/wiki\/Cyberversicherung\" target=\"_blank\" rel=\"noopener\">Cyber-Versicherung<\/a> is also commonly recommended for anyone handling client data.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1744\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1744\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Does KSK membership include liability insurance? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1744\" class=\"elementor-element elementor-element-400a9775 e-con-full e-flex e-con e-child\" data-id=\"400a9775\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c9aa59c elementor-widget elementor-widget-text-editor\" data-id=\"6c9aa59c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>No. <a href=\"https:\/\/www.kuenstlersozialkasse.de\/\" target=\"_blank\" rel=\"noopener\">KSK affiliation<\/a> covers social security contributions for artists and publicists \u2014 it does not include any form of business or professional liability cover. That requires a separate policy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1745\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1745\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How much does business insurance for freelancers cost? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1745\" class=\"elementor-element elementor-element-7819d558 e-con-full e-flex e-con e-child\" data-id=\"7819d558\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1701739 elementor-widget elementor-widget-text-editor\" data-id=\"1701739\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Costs depend on profession, sum insured, and risk profile, so no flat figure applies across all freelancers. Christian provides a personalised comparison based on your specific work and risk exposure.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1746\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1746\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is advice from an insurance broker free? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1746\" class=\"elementor-element elementor-element-7ca831f1 e-con-full e-flex e-con e-child\" data-id=\"7ca831f1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-497bae6b elementor-widget elementor-widget-text-editor\" data-id=\"497bae6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes. Christian is an independent broker licensed under <a href=\"https:\/\/www.bafin.de\/EN\/Homepage\/homepage_node.html\" target=\"_blank\" rel=\"noopener\">\u00a734d GewO<\/a> and is paid by commission from the insurer, not by the client, so initial advice and comparison of offers is free.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Do all freelancers in Germany need business insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Business insurance for freelancers is a legal requirement only for specific regulated professions, such as lawyers, tax advisors, architects, doctors, and certain financial advisors. Most other freelancers aren&#8217;t legally obligated to hold cover, though clients often ask for proof of liability insurance before signing contracts.\"}},{\"@type\":\"Question\",\"name\":\"What's the difference between Betriebshaftpflicht and Berufshaftpflicht?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Betriebshaftpflicht covers physical injury and property damage from general business activity. Berufshaftpflicht covers damage from professional advice or specialist work, and is legally mandatory for certain regulated professions like lawyers and tax advisors.\"}},{\"@type\":\"Question\",\"name\":\"Is my private liability insurance enough as a freelancer?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Personal Haftpflicht insurance excludes claims arising from business or self-employed activity. Freelancers need a separate business liability policy, regardless of how comprehensive their private cover is.\"}},{\"@type\":\"Question\",\"name\":\"Do IT freelancers need a specific type of insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"IT freelancers typically need Verm\\u00f6gensschadenhaftpflicht, which covers pure financial loss caused by mistakes in code, advice, or specifications \\u2014 a gap that standard Betriebshaftpflicht usually doesn&#8217;t cover. Cyber-Versicherung is also commonly recommended for anyone handling client data.\"}},{\"@type\":\"Question\",\"name\":\"Does KSK membership include liability insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. KSK affiliation covers social security contributions for artists and publicists \\u2014 it does not include any form of business or professional liability cover. That requires a separate policy.\"}},{\"@type\":\"Question\",\"name\":\"How much does business insurance for freelancers cost?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Costs depend on profession, sum insured, and risk profile, so no flat figure applies across all freelancers. Christian provides a personalised comparison based on your specific work and risk exposure.\"}},{\"@type\":\"Question\",\"name\":\"Is advice from an insurance broker free?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Christian is an independent broker licensed under \\u00a734d GewO and is paid by commission from the insurer, not by the client, so initial advice and comparison of offers is free.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-341c68d e-flex e-con-boxed e-con e-parent\" data-id=\"341c68d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d663ecb elementor-widget elementor-widget-heading\" data-id=\"d663ecb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cover expats often sort out alongside<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bb165a elementor-widget elementor-widget-text-editor\" data-id=\"1bb165a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"s1\">Image created with AI<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-21e16c2 e-grid e-con-full e-con e-child\" data-id=\"21e16c2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a0f483 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"3a0f483\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/insure-germany.com\/services\/business-insurance-germany-freelancers\/\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/business-insurance-germany-freelancers-independent-broker.webp\" class=\"attachment-full size-full wp-image-1185\" alt=\"Business insurance for freelancers in Germany \u2014 Betriebshaftpflicht, Berufshaftpflicht and Verm\u00f6gensschadenhaftpflicht explained\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/business-insurance-germany-freelancers-independent-broker.webp 1536w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/business-insurance-germany-freelancers-independent-broker-300x200.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/business-insurance-germany-freelancers-independent-broker-1024x683.webp 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/business-insurance-germany-freelancers-independent-broker-768x512.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/business-insurance-germany-freelancers-independent-broker-18x12.webp 18w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/insure-germany.com\/services\/business-insurance-germany-freelancers\/\"> Business Insurance \u2192<\/a><\/h3><p class=\"elementor-image-box-description\">Protect your business against the risks that come with running a company in Germany.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-09da11e elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"09da11e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/insure-germany.com\/services\/pet-insurance-germany\/\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"1535\" height=\"1024\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-liability-vet-cover.webp\" class=\"attachment-full size-full wp-image-1144\" alt=\"Pet insurance Germany explained \u2013 dog liability insurance and pet health insurance for expats choosing pet cover in Germany\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-liability-vet-cover.webp 1535w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-liability-vet-cover-300x200.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-liability-vet-cover-1024x683.webp 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-liability-vet-cover-768x512.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/pet-insurance-germany-dog-liability-vet-cover-18x12.webp 18w\" sizes=\"(max-width: 1535px) 100vw, 1535px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/insure-germany.com\/services\/pet-insurance-germany\/\">Pet health insurance \u2192<\/a><\/h3><p class=\"elementor-image-box-description\">Covers vet bills, treatment and surgery \u2014 depending on the level of cover.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-edcaac7 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"edcaac7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/insure-germany.com\/services\/health-insurance-germany-expats\/\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"1535\" height=\"1024\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-medical-insurance-germany-gkv-pkv.webp\" class=\"attachment-full size-full wp-image-1000\" alt=\"Private medical insurance Germany \u2013 GKV vs. PKV health insurance for expats\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-medical-insurance-germany-gkv-pkv.webp 1535w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-medical-insurance-germany-gkv-pkv-300x200.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-medical-insurance-germany-gkv-pkv-1024x683.webp 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-medical-insurance-germany-gkv-pkv-768x512.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-medical-insurance-germany-gkv-pkv-18x12.webp 18w\" sizes=\"(max-width: 1535px) 100vw, 1535px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/insure-germany.com\/services\/health-insurance-germany-expats\/\">Health insurance for expats \u2192<\/a><\/h3><p class=\"elementor-image-box-description\">Public vs private, explained - and set up in English.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cebe0cb elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"cebe0cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/insure-germany.com\/services\/private-pension-germany\/\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"1535\" height=\"1024\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-pension-germany-expats-retirement-guide.webp\" class=\"attachment-full size-full wp-image-883\" alt=\"Private pension Germany guide for expats covering retirement planning, pension options and financial security\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-pension-germany-expats-retirement-guide.webp 1535w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-pension-germany-expats-retirement-guide-300x200.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-pension-germany-expats-retirement-guide-1024x683.webp 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-pension-germany-expats-retirement-guide-768x512.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/private-pension-germany-expats-retirement-guide-18x12.webp 18w\" sizes=\"(max-width: 1535px) 100vw, 1535px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/insure-germany.com\/services\/private-pension-germany\/\">Private pension \u2192<\/a><\/h3><p class=\"elementor-image-box-description\">Build long-term retirement savings in Germany with a plan that fits your life and goals.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24d4f48 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"24d4f48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/insure-germany.com\/services\/legal-insurance-germany\/\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-independent-broker.webp\" class=\"attachment-full size-full wp-image-1100\" alt=\"Legal insurance Germany for expats \u2013 compare Rechtsschutzversicherung options with an independent broker\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-independent-broker.webp 1536w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-independent-broker-300x200.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-independent-broker-1024x683.webp 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-independent-broker-768x512.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/legal-insurance-germany-independent-broker-18x12.webp 18w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/insure-germany.com\/services\/legal-insurance-germany\/\">Legal insurance \u2192<\/a><\/h3><p class=\"elementor-image-box-description\">Get financial protection for legal disputes involving work, housing, traffic or everyday life in Germany.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fc8771 elementor-position-left elementor-vertical-align-middle elementor-position-left elementor-widget elementor-widget-image-box\" data-id=\"2fc8771\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/insure-germany.com\/services\/liability-insurance-germany\/\" tabindex=\"-1\"><img loading=\"lazy\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/personal-liability-insurance-germany-independent-broker.png.webp\" class=\"attachment-full size-full wp-image-666\" alt=\"liability-insurance-germany-independent-broker\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/personal-liability-insurance-germany-independent-broker.png.webp 1536w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/personal-liability-insurance-germany-independent-broker.png-300x200.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/personal-liability-insurance-germany-independent-broker.png-1024x683.webp 1024w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/personal-liability-insurance-germany-independent-broker.png-768x512.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/personal-liability-insurance-germany-independent-broker.png-18x12.webp 18w\" sizes=\"(max-width: 1536px) 100vw, 1536px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/insure-germany.com\/services\/liability-insurance-germany\/\">Personal liability \u2192<\/a><\/h3><p class=\"elementor-image-box-description\">Protect yourself from costly claims if you accidentally injure someone or damage their property.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a3b7ed5 e-flex e-con-boxed e-con e-parent\" data-id=\"a3b7ed5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e65db0c elementor-widget elementor-widget-html\" data-id=\"3e65db0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n\/* ============================================================\n   INSURE GERMANY \u2013 STICKY HEADER + DROPDOWN STACKING FIX\n   ============================================================ *\/\n\n\n\/* ============================================================\n   1. PREHEADER\n   ============================================================ *\/\n\n#ig-preheader {\n  position: relative;\n  z-index: 50001;\n}\n\n\n\/* ============================================================\n   2. OUTER HEADER \/ UAE HEADER FOOTER BUILDER\n   Wichtig: gesamter Header muss \u00fcber #ig-tabnav liegen\n   ============================================================ *\/\n\n.site-header,\n#masthead,\n.elementor-location-header,\n.hfe-site-header,\n.hfe-header,\n.elementor-header {\n  position: relative;\n  z-index: 50000 !important;\n  overflow: visible !important;\n}\n\n\n\/* ============================================================\n   3. MAIN HEADER\n   Elementor Container besitzt CSS-ID: ig-header\n   ============================================================ *\/\n\n#ig-header {\n  position: relative;\n\n  z-index: 50000 !important;\n\n  width: 100%;\n\n  overflow: visible !important;\n\n  background: rgba(255,255,255,.96);\n\n  backdrop-filter: blur(10px);\n  -webkit-backdrop-filter: blur(10px);\n\n  border-bottom: 1px solid rgba(0,0,0,.08);\n\n  transition:\n    box-shadow .3s ease,\n    background .3s ease;\n}\n\n\n\/* Sticky \/ Fixed State *\/\n\n#ig-header.ig-fixed {\n  position: fixed;\n\n  left: 0;\n  right: 0;\n\n  z-index: 50000 !important;\n\n  box-shadow: 0 2px 20px rgba(0,0,0,.08);\n}\n\n\n\/* ============================================================\n   4. HEADER PLACEHOLDER\n   Verhindert Layout-Sprung beim Fixieren\n   ============================================================ *\/\n\n#ig-header-placeholder {\n  display: none;\n  width: 100%;\n}\n\n\n\/* ============================================================\n   5. ELEMENTOR \/ UAE WRAPPER\n   Dropdown darf nicht durch Parent-Container abgeschnitten werden\n   ============================================================ *\/\n\n#ig-header,\n#ig-header .e-con,\n#ig-header .e-con-inner,\n#ig-header .elementor,\n#ig-header .elementor-element,\n#ig-header .elementor-widget,\n#ig-header .elementor-widget-container {\n  overflow: visible !important;\n}\n\n\n\/* ============================================================\n   6. UAE \/ WORDPRESS DROPDOWN\n   ============================================================ *\/\n\n#ig-header .sub-menu,\n#ig-header ul.sub-menu,\n#ig-header .uael-sub-menu,\n#ig-header .uael-nav-menu__submenu {\n  z-index: 60000 !important;\n}\n\n\n\/* Manche UAE Versionen erzeugen zus\u00e4tzliche Wrapper *\/\n\n#ig-header .uael-nav-menu,\n#ig-header .uael-nav-menu__toggle,\n#ig-header .uael-nav-menu__container,\n#ig-header .uael-nav-menu__layout-horizontal {\n  position: relative;\n  z-index: 55000 !important;\n  overflow: visible !important;\n}\n\n\n\/* ============================================================\n   7. SECONDARY STICKY TAB NAV\n   Muss unter dem Main Header + Dropdown liegen\n   ============================================================ *\/\n\n#ig-tabnav,\n#ig-tabnav.ig-tab-fixed {\n  z-index: 5000 !important;\n}\n\n\n\/* ============================================================\n   8. ELEMENTOR EDITOR\n   Im Editor Header nicht fixieren\n   ============================================================ *\/\n\nbody.elementor-editor-active #ig-header {\n  position: relative !important;\n  top: auto !important;\n}\n\nbody.elementor-editor-active #ig-header-placeholder {\n  display: none !important;\n}\n\n<\/style>\n\n\n<script>\ndocument.addEventListener('DOMContentLoaded', function () {\n\n  const header = document.getElementById('ig-header');\n  const preheader = document.getElementById('ig-preheader');\n\n  if (!header) return;\n\n\n  \/* ==========================================================\n     PLACEHOLDER ERSTELLEN\n     ========================================================== *\/\n\n  let placeholder = document.getElementById('ig-header-placeholder');\n\n  if (!placeholder) {\n\n    placeholder = document.createElement('div');\n\n    placeholder.id = 'ig-header-placeholder';\n\n    header.parentNode.insertBefore(\n      placeholder,\n      header\n    );\n\n  }\n\n\n  \/* ==========================================================\n     WORDPRESS ADMIN BAR\n     ========================================================== *\/\n\n  function getAdminBarHeight() {\n\n    const adminBar =\n      document.getElementById('wpadminbar');\n\n    if (!adminBar) {\n      return 0;\n    }\n\n    if (\n      window.getComputedStyle(adminBar).display === 'none'\n    ) {\n      return 0;\n    }\n\n    return adminBar.offsetHeight;\n\n  }\n\n\n  \/* ==========================================================\n     ORIGINAL HEADER POSITION\n     ========================================================== *\/\n\n  let headerTrigger = null;\n\n  function calculateTrigger() {\n\n    \/*\n     Wenn ein Preheader vorhanden ist:\n     Header wird sticky sobald der Preheader\n     aus dem sichtbaren Bereich gescrollt wurde.\n    *\/\n\n    if (preheader) {\n\n      let element = preheader;\n      let top = 0;\n\n      while (element) {\n\n        top += element.offsetTop || 0;\n\n        element = element.offsetParent;\n\n      }\n\n      headerTrigger =\n        top + preheader.offsetHeight;\n\n      return;\n\n    }\n\n\n    \/*\n     Falls kein Preheader vorhanden ist,\n     urspr\u00fcngliche Position des Headers verwenden.\n    *\/\n\n    let element = header;\n    let top = 0;\n\n    while (element) {\n\n      top += element.offsetTop || 0;\n\n      element = element.offsetParent;\n\n    }\n\n    headerTrigger = top;\n\n  }\n\n\n  \/* ==========================================================\n     STICKY HEADER LOGIK\n     ========================================================== *\/\n\n  function updateHeader() {\n\n    \/*\n     Elementor Editor:\n     keine Sticky-Funktion ausf\u00fchren.\n    *\/\n\n    if (\n      document.body.classList.contains(\n        'elementor-editor-active'\n      )\n    ) {\n      return;\n    }\n\n\n    if (headerTrigger === null) {\n      calculateTrigger();\n    }\n\n\n    const adminHeight =\n      getAdminBarHeight();\n\n\n    if (\n      window.scrollY >=\n      (headerTrigger - adminHeight)\n    ) {\n\n      \/*\n       Placeholder h\u00e4lt den urspr\u00fcnglichen\n       Platz des Headers im Dokument.\n      *\/\n\n      placeholder.style.height =\n        header.offsetHeight + 'px';\n\n      placeholder.style.display =\n        'block';\n\n\n      \/*\n       Header fixieren.\n      *\/\n\n      header.classList.add(\n        'ig-fixed'\n      );\n\n\n      \/*\n       Unterhalb WordPress Admin Bar positionieren.\n      *\/\n\n      header.style.top =\n        adminHeight + 'px';\n\n    }\n\n    else {\n\n      \/*\n       Header wieder in normalen Flow setzen.\n      *\/\n\n      header.classList.remove(\n        'ig-fixed'\n      );\n\n      header.style.top =\n        '';\n\n\n      \/*\n       Placeholder entfernen.\n      *\/\n\n      placeholder.style.display =\n        'none';\n\n      placeholder.style.height =\n        '0px';\n\n    }\n\n  }\n\n\n  \/* ==========================================================\n     INITIALISIERUNG\n     ========================================================== *\/\n\n  setTimeout(function () {\n\n    headerTrigger = null;\n\n    calculateTrigger();\n\n    updateHeader();\n\n  }, 300);\n\n\n  updateHeader();\n\n\n  \/* ==========================================================\n     SCROLL\n     ========================================================== *\/\n\n  window.addEventListener(\n    'scroll',\n    updateHeader,\n    { passive: true }\n  );\n\n\n  \/* ==========================================================\n     RESIZE\n     ========================================================== *\/\n\n  window.addEventListener(\n    'resize',\n    function () {\n\n      \/*\n       Positionen und H\u00f6hen k\u00f6nnen sich\n       beim Responsive Breakpoint \u00e4ndern.\n      *\/\n\n      headerTrigger = null;\n\n      calculateTrigger();\n\n      updateHeader();\n\n    }\n  );\n\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e11ba90 elementor-widget elementor-widget-html\" data-id=\"6e11ba90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n\/* ============================================================\n   INSURE GERMANY \u2013 MOBILE \/ TABLET STICKY HEADER\n   CSS-ID des mobilen Header-Containers:\n   ig-header-mobile\n   ============================================================ *\/\n\n#ig-header-mobile{\n  position:relative;\n  z-index:50000 !important;\n\n  width:100%;\n\n  background:rgba(255,255,255,.96);\n\n  backdrop-filter:blur(10px);\n  -webkit-backdrop-filter:blur(10px);\n\n  border-bottom:1px solid rgba(0,0,0,.08);\n\n  overflow:visible !important;\n\n  transition:\n    box-shadow .3s ease,\n    background .3s ease;\n}\n\n\n\/* Sticky State *\/\n#ig-header-mobile.ig-mobile-fixed{\n  position:fixed;\n\n  left:0;\n  right:0;\n\n  z-index:50000 !important;\n\n  box-shadow:0 2px 18px rgba(0,0,0,.08);\n}\n\n\n\/* Placeholder verhindert Layout-Sprung *\/\n#ig-header-mobile-placeholder{\n  display:none;\n  width:100%;\n}\n\n\n\/* Elementor Wrapper offen halten *\/\n#ig-header-mobile .e-con,\n#ig-header-mobile .e-con-inner,\n#ig-header-mobile .elementor-element,\n#ig-header-mobile .elementor-widget,\n#ig-header-mobile .elementor-widget-container{\n  overflow:visible !important;\n}\n\n\n\/* Elementor Editor *\/\nbody.elementor-editor-active #ig-header-mobile{\n  position:relative !important;\n  top:auto !important;\n}\n\nbody.elementor-editor-active #ig-header-mobile-placeholder{\n  display:none !important;\n}\n\n\n\/* Nur Tablet + Mobile *\/\n@media(min-width:1025px){\n\n  #ig-header-mobile,\n  #ig-header-mobile-placeholder{\n    display:none !important;\n  }\n\n}\n<\/style>\n\n\n<script>\ndocument.addEventListener('DOMContentLoaded', function () {\n\n  const header =\n    document.getElementById('ig-header-mobile');\n\n  if (!header) return;\n\n\n  \/* ==========================================================\n     Placeholder\n     ========================================================== *\/\n\n  let placeholder =\n    document.getElementById(\n      'ig-header-mobile-placeholder'\n    );\n\n  if (!placeholder) {\n\n    placeholder =\n      document.createElement('div');\n\n    placeholder.id =\n      'ig-header-mobile-placeholder';\n\n    header.parentNode.insertBefore(\n      placeholder,\n      header\n    );\n\n  }\n\n\n  \/* ==========================================================\n     WordPress Admin Bar\n     ========================================================== *\/\n\n  function getAdminBarHeight(){\n\n    const bar =\n      document.getElementById('wpadminbar');\n\n    if (!bar) return 0;\n\n    if (\n      window.getComputedStyle(bar).display === 'none'\n    ){\n      return 0;\n    }\n\n    return bar.offsetHeight;\n\n  }\n\n\n  \/* ==========================================================\n     Header Original Position\n     ========================================================== *\/\n\n  let triggerTop = null;\n\n\n  function calculateTrigger(){\n\n    let element = header;\n    let top = 0;\n\n    while(element){\n\n      top += element.offsetTop || 0;\n\n      element = element.offsetParent;\n\n    }\n\n    triggerTop = top;\n\n  }\n\n\n  \/* ==========================================================\n     Sticky Logic\n     ========================================================== *\/\n\n  function updateMobileHeader(){\n\n    \/*\n      Desktop nicht bearbeiten\n    *\/\n    if(window.innerWidth > 1024){\n\n      header.classList.remove(\n        'ig-mobile-fixed'\n      );\n\n      header.style.top = '';\n\n      placeholder.style.display =\n        'none';\n\n      placeholder.style.height =\n        '0px';\n\n      return;\n    }\n\n\n    \/*\n      Elementor Editor\n    *\/\n    if(\n      document.body.classList.contains(\n        'elementor-editor-active'\n      )\n    ){\n      return;\n    }\n\n\n    if(triggerTop === null){\n      calculateTrigger();\n    }\n\n\n    const adminHeight =\n      getAdminBarHeight();\n\n\n    if(\n      window.scrollY >=\n      (triggerTop - adminHeight)\n    ){\n\n      placeholder.style.height =\n        header.offsetHeight + 'px';\n\n      placeholder.style.display =\n        'block';\n\n      header.classList.add(\n        'ig-mobile-fixed'\n      );\n\n      header.style.top =\n        adminHeight + 'px';\n\n    }\n\n    else{\n\n      header.classList.remove(\n        'ig-mobile-fixed'\n      );\n\n      header.style.top = '';\n\n      placeholder.style.display =\n        'none';\n\n      placeholder.style.height =\n        '0px';\n\n    }\n\n  }\n\n\n  \/* ==========================================================\n     Initial\n     ========================================================== *\/\n\n  setTimeout(function(){\n\n    triggerTop = null;\n\n    calculateTrigger();\n\n    updateMobileHeader();\n\n  },300);\n\n\n  updateMobileHeader();\n\n\n  \/* ==========================================================\n     Scroll\n     ========================================================== *\/\n\n  window.addEventListener(\n    'scroll',\n    updateMobileHeader,\n    {passive:true}\n  );\n\n\n  \/* ==========================================================\n     Resize\n     ========================================================== *\/\n\n  window.addEventListener(\n    'resize',\n    function(){\n\n      triggerTop = null;\n\n      calculateTrigger();\n\n      updateMobileHeader();\n\n    }\n  );\n\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5064ea46 elementor-widget elementor-widget-html\" data-id=\"5064ea46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n\/* 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{\n\n  const tabnav = document.getElementById('ig-tabnav');\n\n  if (!tabnav) return;\n\n\n  \/* ==========================================================\n     PLACEHOLDER\n     ========================================================== *\/\n\n  let placeholder =\n    document.getElementById('ig-tabnav-placeholder');\n\n  if (!placeholder) {\n\n    placeholder = document.createElement('div');\n    placeholder.id = 'ig-tabnav-placeholder';\n\n    tabnav.parentNode.insertBefore(\n      placeholder,\n      tabnav\n    );\n\n  }\n\n\n  let triggerTop = null;\n\n\n  \/* ==========================================================\n     ORIGINAL POSITION\n     ========================================================== *\/\n\n  function getTrigger() {\n\n    if (triggerTop !== null) {\n      return triggerTop;\n    }\n\n    let element = tabnav;\n    let top = 0;\n\n    while (element) {\n\n      top += element.offsetTop || 0;\n\n      element = element.offsetParent;\n\n    }\n\n    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updateTabNav();\n      updateActiveTab();\n\n    },\n    { passive: true }\n  );\n\n\n  \/* ==========================================================\n     RESIZE\n     ========================================================== *\/\n\n  window.addEventListener(\n    'resize',\n    function () {\n\n      triggerTop = null;\n\n      updateTabNav();\n      updateActiveTab();\n\n    }\n  );\n\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cfe6f2c e-flex e-con-boxed e-con e-parent\" data-id=\"cfe6f2c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-899a85f e-con-full e-flex e-con e-child\" data-id=\"899a85f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3bf8963a elementor-widget elementor-widget-image\" data-id=\"3bf8963a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118.webp\" class=\"attachment-large size-large wp-image-251\" alt=\"\" srcset=\"https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118.webp 800w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118-300x300.webp 300w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118-150x150.webp 150w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118-768x768.webp 768w, https:\/\/insure-germany.com\/wp-content\/uploads\/2026\/08\/Ellipse-118-12x12.webp 12w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37f26b40 e-con-full e-flex e-con e-child\" data-id=\"37f26b40\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55f69eb7 elementor-widget elementor-widget-heading\" data-id=\"55f69eb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Get your freelancer insurance sorted, profession by profession<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d1812a elementor-widget elementor-widget-text-editor\" data-id=\"5d1812a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Whether you need Betriebshaftpflicht, Berufshaftpflicht, Verm\u00f6gensschadenhaftpflicht, or a Cyber-Versicherung on top, Christian will walk through your specific work and put together cover that matches it \u2014 comparing offers across the market, free of charge.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3c3a7e2f e-con-full e-flex e-con e-child\" data-id=\"3c3a7e2f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b8d008f elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"3b8d008f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/insure-germany.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book a free consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76277bf4 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"76277bf4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-float\" href=\"https:\/\/insure-germany.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Send a message<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Trusted by 100+ expats across Germany Freelancers &amp; self-employed \u00b7 Betriebshaftpflicht Business insurance in Germany for freelancers \u2014 three policies, one clear decision Book your free consultation See which cover I need Built with Ai Whole market compared We check professional liability insurance in Germany across 100+ insurers 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[&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1185,"parent":683,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-310","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages\/310","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/comments?post=310"}],"version-history":[{"count":35,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages\/310\/revisions"}],"predecessor-version":[{"id":1312,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages\/310\/revisions\/1312"}],"up":[{"embeddable":true,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/pages\/683"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/media\/1185"}],"wp:attachment":[{"href":"https:\/\/insure-germany.com\/de\/wp-json\/wp\/v2\/media?parent=310"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}