For Freelancers
If you’re a freelancer, then this page is for you
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Free insurance consultation for freelancers
From us you’ll receive information and documents about all the insurances that are worth thinking about in your special situation as a freelancer (everything is available in English). You’ll get non-binding offers and we will take our time to answer all your specific questions about the insurances.
Let’s take the guesswork out of the game, book an appointment and see for yourself so that we can find the perfect cover for your needs step by step.
What you'll get from working with us?
We ensure via a short call that we equip you with full knowledge about the German financial system and your opportunities to increase your net-worth
Within an hour after the call you receive a Within an hour after the call you'll receive a customised plan of financial tools that improves your financial investments and insurance coverage
We want you to enjoy your life in a new country and that‘s why we provide our clients with a free lifetime support in English on insurance claims and long-term investments to make sure you can invest your time and energy into other things
FAQ: Insurance for founders and the self-employed
Find essential insurance options for founders and the self-employed in this FAQ, helping you secure the right coverage for both your business and personal needs.
1. What insurance does a company founder need in Germany?
Company founders in Germany should take out business liability insurance to protect themselves against damage to third parties. Other important insurance policies include occupational disability insurance, which offers protection if you are no longer able to work for health reasons, and business contents insurance to protect business equipment and inventories. Legal expenses insurance and health insurance are optional in order to be optimally covered.
2. What insurance coverage is mandatory for start-ups?
Public liability and professional indemnity are essential for start-ups to protect themselves against damage caused by business activities and professional errors. Cyber insurance can also be useful to cover risks from the digital sector. Protection against cyber risks is becoming increasingly important, especially for start-ups, which are often based on the latest digital technology.
3. Are there special insurances for freelancers in Germany?
Yes, professional indemnity insurance is particularly important for freelancers to protect themselves against claims for damages in the event of professional errors. They should also consider statutory pension insurance to ensure long-term financial security. Freelancers also benefit from occupational disability insurance, which secures their financial existence in the event of incapacity to work.
4. How do I find the best business liability insurance for my small business?
You can find the right business liability insurance here:
FAQ: Private health insurance for the self-employed, 10 prejudices cleared up
This FAQ addresses and dispels 10 common myths about private health insurance for the self-employed, offering clarity and insights to help you make the best choice.
1. What insurance does a company founder need in Germany?
Company founders in Germany should take out business liability insurance to protect themselves against damage to third parties. Other important insurance policies include occupational disability insurance, which offers protection if you are no longer able to work for health reasons, and business contents insurance to protect business equipment and inventories. Legal expenses insurance and health insurance are optional in order to be optimally covered.
2. What insurance coverage is mandatory for start-ups?
Public liability and professional indemnity are essential for start-ups to protect themselves against damage caused by business activities and professional errors. Cyber insurance can also be useful to cover risks from the digital sector. Protection against cyber risks is becoming increasingly important, especially for start-ups, which are often based on the latest digital technology.
3. Are there special insurances for freelancers in Germany?
Yes, professional indemnity insurance is particularly important for freelancers to protect themselves against claims for damages in the event of professional errors. They should also consider statutory pension insurance to ensure long-term financial security. Freelancers also benefit from occupational disability insurance, which secures their financial existence in the event of incapacity to work.
4. How do I find the best business liability insurance for my small business?
You can find the right business liability insurance here:
FAQ: Questions and answers on the statutory pension for the self-employed.
Find clear and concise answers to common questions about the statutory pension system for self-employed individuals.
1. Myth: Self-employed people are not entitled to a statutory pension.
That is not entirely correct. Self-employed people can voluntarily take out statutory pension insurance. There are also certain professional groups, such as artists or craftsmen, who are obliged to pay into statutory pension insurance anyway.
2nd question: Why should self-employed people pay into the statutory pension insurance?
The statutory pension insurance provides a secure basic pension in old age. You benefit from the overall provision of the state pension funds, which often also includes dynamic pension increases.
3. Question: How can self-employed people join the statutory pension insurance scheme?
Self-employed people must submit an application to the German Pension Insurance. An insurance broker can guide you through the process and ensure that you are fully informed.
4. Question: What contribution rates apply to self-employed persons in the statutory pension insurance scheme?
Self-employed people pay the full contribution rate for statutory pension insurance. This contribution rate can vary depending on income situation and selected contribution class. Get advice from an insurance broker.
Myths and answers about private pension insurance for the self-employed
Find clear and concise answers to common questions about the statutory pension system for self-employed individuals.
1. Myth: Private pension insurance is too expensive for the self-employed.
The contributions to private pension insurance are flexible and can be adapted to your financial situation. An insurance broker can help you find an affordable and high-performance plan.
2. Myth: Private pension provision does not provide guaranteed benefits.
Modern private pension insurance offers guaranteed pension payments, which can be further increased through profit participation. A carefully selected tariff can provide a secure retirement plan.
3. Myth: Self-employed people receive fewer benefits from private pension insurance than employees.
Private pension insurance is not based on professional status, but on the individual agreements in the insurance contract. Your insurance broker will tailor your services precisely to your needs.
4. Myth: Those who join late cannot benefit from private pension insurance.
Even joining a private pension insurance scheme later can be worthwhile, especially with lump sum payments or shortened contribution periods. Have an expert explain the relevant tariffs to you.
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