Permission for insurance intermediaries to grant Unfortunately this specification of service has not yet been completely translated.

A licence issued by the competent body is required for the activity of insurance intermediary and insurance intermediary.

The obligation to provide information applies to holders of the permit.

At the first business contact, certain information must therefore be provided to the customer. Mandatory information is e.B:

  • the name and address of the insurance adviser,
  • Statement
    • whether certain insurance policies are represented (insurance representation) or
    • whether insurance is mediated (brokerage activity) or
    • whether to advise on insurance (insurance advice).

Without permission, an insurance intermediary must mediate, in particular in the following cases:

  • Insurance is provided as a minor acquisition ("bagatell vermittlerin" or "bagatell vermittler").
  • The mediation is only done as a supplement to another activity.
    Example: Mediation of liability insurance by car dealers. However, this facilitation applies only under certain conditions and only if an exemption from authorisation is applied for for insurance intermediaries with a medical scheme.

An entry in the intermediary register is necessary.

An application for authorisation as an insurance intermediary may, at the same time, be applied for registration in the register of intermediaries at the competent authority.

Special features for foreign nationals

Foreign nationals established in another Member State of the European Union (EU) must register in that country. They do not need a permit in Germany, nor can they be registered in the German insurance intermediary register.

Foreign nationals from non-EU countries are subject to the same rules as German nationals. These also apply to EU nationals who register a corresponding trade only in Germany.

General provisions on foreign law must be complied with. If certain German training courses are sufficient to prove their expertise, comparable evidence from the European Economic Area (EEA) is considered equivalent.

Related Links

  • Insurance mediation register

in the case of legal entities:

  • Extract from the central business register for each person authorised to represent and for the legal person (for submission to an authority, document type 9)
  • Certificate of leadership for authorities (document type O)
  • Certificate of safety from the tax office, extract from the debtor register and information from the insolvency court
  • Proof of existing property damage liability insurance
  • Proof of expertise
    • Proof of passed expert examination,
    • Proof of a recognised qualification
    • Proof of the existence of stock protection (trade declaration, if applicable work certificates) or
    • Proof of delegation to authorized employees (via a separate form)
  • Current extract from the Trade or Cooperative Register

In addition, the competent authority may (e.B. obtain an impression of the legal person's financial situation by submitting annual reports, contact local and regulatory authorities and, if necessary, carry out further investigations to assess the applicant.

In the event of prior written notification of a temporary exercise of insurance intermediary activities (Section 13a of the Commercial Code (GewO) within the scope of the GewO by nationals of a Member State of the EU or of a State party to the Agreement on the European Economic Area, if they are lawfully established in one of those States for the exercise of insurance intermediary activities:

  • Proof of nationality (e.B. by identity card or passport)
  • Proof of lawful establishment for the performance of insurance in one of the above-mentioned States
  • Proof that the exercise of these activities is not prohibited, even temporarily
  • Proof that there are no criminal records
  • Documents from the State of establishment proving personal reliability for the exercise of the insurance intermediary business
  • Proof of professional qualification where the activity of the insurance intermediary is also linked to the possession of certain professional qualifications in the State of establishment
  • otherwise proof that an insurance intermediary business has been carried out in the State of establishment for at least two years in the previous ten years
  • Proof of insurance cover or any other form of individual or collective protection in relation to professional liability

Related Links

  • Credit Act (KWG)


  • Reliability necessary for commercial operations
    • The necessary reliability does not have the ability to convict anyone convicted of a crime or certain offence sit down in the last five years.
  • orderly financial situation
    • These are not met if:
      • insolvency proceedings on one's own assets, or
      • was rejected due to lack of mass, or
      • the applicant is entered in the debtor's register.
  • Conclusion of property damage liability insurance
    • At present, a minimum amount of cover of
      • EUR 1,130,000.00 for each insured event and
      • EUR 1,700,000.00 for all insurance claims of a year in total.
  • appropriate knowledge and skills.


The permit granted is valid for an indefinite period. It does not end until the insurance intermediary renounces it. Under certain conditions, the competent authority may revoke or withdraw a licence and have the insurance intermediary deleted from the register of intermediaries.

Related Links

  • Section 34d Commercial Code (GewO)
  • Insurance Mediation Ordinance (VersVermV)

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