Authorisation for insurance intermediaries Exemption

Product-ancillary insurance intermediaries may be exempted from the authorisation requirement upon application.
Natural and legal persons (e.B. GmbHs) can apply for the exemption from permission. Partnerships require a separate exemption from permission for each managing partner.

Product-ancillary insurance intermediaries who are exempt from the authorisation requirement must nevertheless register and be entered in the intermediary register.

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  • Insurance mediation registers
  • Completed application form
  • Copy of identity card or comparable identification document
  • for proof of the entrepreneurial legal form:
    • Headquarters in Germany:
      • in the case of companies entered in a register: extract from the commercial register or the partnership register
      • otherwise a copy of the articles of association (e.B. in the case of a partnership under civil law (GbR))
    • Company headquarters abroad:
      • Documents from the country of residence proving the legal form
  • Declaration by the client on the personal reliability, qualifications and orderly financial circumstances of the insurance intermediary/
  • Proof of the existence of financial loss liability insurance (certificate from an insurance company authorised in Germany)

In the case of legal entities (GmbH, corporate companies, AG, registered cooperatives), the application form must only be completed for the legal entity. All personal documents must be submitted for all natural persons entitled to the management (e.B. personal papers). An extract from the Central Trade Register is also required for the legal entity.

Partnerships (GbR, KG, OHG, PartG, GmbH & Co. KG) are not eligible for permission as such. Therefore, every managing partner needs permission. For each of these persons, a completed application form and all personal documents must be submitted.


  • Insurance is only provided in addition to other products and services .
    • Example: A car dealer also arranges car insurance when selling cars.
  • The activity as an insurance intermediary takes place directly
    • on behalf of one or more insurance intermediaries with permission, or
    • on behalf of one or more insurance undertakings.
  • Proof of financial loss liability insurance with the following requirements:
    • The minimum sum insured is 1.13 million euros per insured event or 1.7 million euros for all insurance claims per year.
    • The insurance is valid in all member states of the European Union (EU) as well as in the EEA states.
  • The client makes a declaration about
    • personal reliability,
    • the qualification and
    • the orderly financial circumstances of the insurance intermediary.

Related Links

  • ยง 34d paragraph 3 Of the Industrial Code (GewO)

Responsible for the content
Lower Saxony Ministry of Economic Affairs, Labour and Transport

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