Insurance checklist for the self-employed: what should you review?

Organise insurance topics around your work. Prepare questions about obligations, risks and existing cover to discuss with a qualified professional.

Select relevant situations. Leaving a risk unselected does not rule it out.

What applies to your work?I work at customers’ premises or receive customers.I advise, plan, program or assess work for others.I have furnishings, stock or important equipment.I sell, import or manufacture goods.My business depends on IT or customer data.I employ staff or plan to hire.I use a vehicle for business.

Your insurance review checklist

This checklist helps you prepare and organise your insurance topics. It is not individual insurance advice, insurance intermediation or a full review of your needs or contracts. No specific providers or tariffs are recommended. If needed, have your insurance obligations and required cover checked by a qualified professional.

Select your activities above to add business risks.

Rented premises: If you rent an office, workshop, salon, shop or other premises, separately check possible damage to rented property and premises, contractual requirements and exclusions from cover.

Check these regardless of your selection

Health and long-term care insurance: check your status and contributions when starting. Statutory (GKV) and private (PKV) cover differ in eligibility and benefits; switching is not just a price decision.
Pension insurance: obligations can also apply to self-employed people. Clarify your profession and client structure with Deutsche Rentenversicherung.
Loss of income: check how long reserves would last during illness. Sickness benefits / daily sickness insurance and occupational disability cover address different situations.
Professional duties and accident insurance: check the responsible insurer, registration and your own insurance obligations, even without employees.

How to compare suitable quotes

Does the policy cover your exact activity, including secondary activities?
Which losses and causes are covered, and which are excluded?
What are the coverage limit, sublimits and excess?
Are there waiting periods, run-off cover or time limits on benefits?
What duties, annual premiums and cancellation conditions apply?

Two cheap quotes are not comparable if they cover different risks. This tool does not retrieve current insurer prices or submit insurance applications.

Your next step

Describe your main work and any additional activities. Note the value of important assets and possible loss or business interruption scenarios. Have your existing insurance contracts and policies ready. Ask a qualified professional to clarify your obligations and actual insurance cover.

Only on your device. Nothing is sent to us.

Example, method and limits

Example: Selecting customer appointments and equipment adds liability and property risks with explanations. Personal baseline topics remain visible regardless of your choices.

Each selection adds its related risk; there is no risk score. Unselected situations are not ruled out. Compulsory cover, the actual work, insured risks and exclusions need individual review. Compare policy conditions, not just premiums.

Sources · checked 28 September 2026

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Alexander Kotjakovski
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anfrage@selbststaendig-in.de