Covered before it matters.
D&O, liability, health and pension for founders and their companies — arranged in English through licensed German brokers.
German liability law is personal. Your cover should be deliberate.
The moment your GmbH is registered, its managing director carries personal liability that most founders only discover when it's tested: for social contributions, for tax deadlines, for filing insolvency in time. Add mandatory health insurance from the first day of German residence, client contracts that demand proof of professional liability, and an insurance market that operates almost entirely in German — and cover becomes one of the first real decisions of your setup, not an afterthought.
We are not an insurer and don't sell policies. We assess what your specific setup actually needs — usually fewer policies than a salesperson would suggest — and arrange the cover through licensed German insurance brokers (§34d GewO) in our partner network, who are legally bound to act in your interest. You get the policy summary and the obligations explained in English, and one desk to call when something needs to be claimed or changed.
Placement costs you nothing extra: brokers are paid the insurers' standard commission, which is the same whether you come alone or through us — the difference is that someone who knows your company structure chose the cover.
Personal liability starts with the register entry. D&O and liability cover belong in the first month, not the first renewal season.
Health insurance is mandatory from day one and the GKV/PKV choice is nearly irreversible. Decide it before you register.
Enterprise customers routinely require proof of professional liability before signing. We arrange the certificate quickly.
Building, landlord liability and legal-expense cover — coordinated with how the asset is held.
What we arrange.
Cover is placed through licensed §34d GewO brokers in our partner network. We receive no fee from you for the placement; brokers are compensated by standard insurer commission.
Assessed, placed, explained.
Asked before every policy.
Almost every company needs public liability (Betriebshaftpflicht); most service businesses add professional liability (Vermögensschadenhaftpflicht); and every managing director should consider D&O, because German law makes the Geschäftsführer personally liable for management errors. The rest depends on your industry — we'd rather you carry three right policies than seven overlapping ones.
A German GmbH managing director is personally liable — with private assets — for breaches of duty: late insolvency filing, unpaid social contributions, tax deadlines. D&O cover protects your private wealth against exactly these claims, including claims by your own company.
Health insurance is mandatory in Germany from day one of residence, and the public/private decision (GKV vs PKV) is hard to reverse later. For founders and higher earners the choice has long-term cost consequences — we walk you through it before you register, not after.
Policies are arranged through licensed §34d GewO insurance brokers in our partner network, who are compensated by the insurers' standard brokerage commission. You pay no fee to us for the placement. Brokers in Germany owe their duty to you, the client — not to any single insurer.
Get your risk review.
Thirty minutes on your setup — you leave knowing which three policies matter and which five you can skip.