A major court ruling states that reimbursed income tax on lost earnings is itself taxable income. Learn what this means for disability insurance payouts and your tax liability.…

What are the biggest risks for SMEs today? Explore 2024 insurance trends, from rising cyber policies to the critical role of prevention. Insights from BarmeniaGothaer's Henning Hackbarth.…

Is your business dependent on a key person? Learn how Key Person Insurance protects SMEs from financial ruin due to the loss of a critical employee or owner. Get expert insights on coverage, costs, and strategy.…

What is Installation Insurance (Montageversicherung)? This essential guide explains coverage for machinery & equipment assembly, key risks, market trends, and how it protects your business during critical setup phases. Compare project-based insurance models.…

SMEs face underestimated cyber threats and talent shortages. Discover essential insurance strategies to protect your business and enhance your appeal as an employer. Expert insights from Carsten Tobien.…

Discover why pre-underwriting inquiries are creating major delays in disability insurance applications. Learn about the administrative burden, innovative digital solutions, and how automation can streamline the process for insurers and brokers.…

Insurance companies increasingly cite pre-existing damage to reduce claim payouts. But when is this argument valid? Learn how insurance agents can shield their clients from unexpected claim reductions. This guide, drawing parallels to US private health insurance and Medicare/Medicaid claim disputes, explains key strategies for documentation and client education.…

Flying a drone? Learn about mandatory liability insurance, registration rules, and how to get comprehensive coverage to protect yourself from costly accidents and lawsuits.…

A 2025 study of over 7,000 insurance customers identifies the top insurers for service and advice quality. Discover which companies earn the highest praise, why personal agents still dominate, and key drivers of customer satisfaction.…

Starting April 1, 2025, Germany recognizes three new conditions as occupational diseases: shoulder injuries from heavy labor, knee osteoarthritis in pro soccer, and lung disease from quartz dust. Learn about coverage, claims, and the role of statutory accident insurance.…

A German appeals court ruled that lenders can exclude coverage for work disability due to mental illness in loan protection insurance. This article explains the case, the legal reasoning, and its impact on consumers.…

A German court sided with AXA in a lawsuit over the clarity of cancellation rights for its private pension product. Consumer advocates argue the lengthy, complex notice undermines policyholder rights. Learn about the legal battle and its implications.…

A recent German court ruling clarifies that waiving insurance advice can be done on a pre-filled application form, not just a separate document. Learn about the case, the legal implications for policyholders and advisors, and the ongoing debate about consumer protection.…

In a landmark ruling, Germany's Federal Court of Justice (BGH) protects policyholders, stating private health insurers cannot reduce daily sickness benefit payouts simply because the insured's income drops. Learn about the case details, legal implications, and your rights.…

A recent German court ruling favored an insurance broker's right to advertise as 'independent,' challenging consumer advocates. This article breaks down the legal dispute, conflicting court decisions, and what it means for brokers and consumers seeking unbiased advice.…

Discover how Norman Nammert built a leading marine insurance brokerage for over 30,000 clients by specializing in boat and jet ski coverage. Learn about his unique service model, from global claims management to loss prevention software, and what it reveals about the future of successful insurance intermediaries.…

The German services union ver.di is pushing for a significant 12% salary increase for approximately 160,000 insurance industry employees. This article explores the upcoming tough negotiations, historical context of past agreements, and the union's broader demands including trainee pay and AI-related job protections.…

Thinking your homeowners insurance covers your solar panels? Think again. This comprehensive guide explains the critical gaps in standard policies, the essential coverage a specialized solar panel insurance policy provides, and key mistakes to avoid. Learn how to protect your investment from technical failures, revenue loss, and underinsurance with expert advice tailored for American homeowners and investors.…

German courts are increasingly ruling on whether brokers can advertise as 'independent.' Recent cases show a split, with some courts siding with consumer groups and others with brokers. Understand the legal risks and definitions.…

The initial 2025 collective bargaining round between ver.di union and German insurance employers ended without a counteroffer. Key issues include a 12% wage demand, AI impacts, and industry cost pressures. Negotiations resume April 28.…