How important is liability insurance in Germany?

Short answer: It’s essential.

In Germany, anyone who causes damage to another person or their property is liable with all their assets—potentially for life. Even a small accident can quickly turn into a financial risk.

That’s why private liability insurance is considered the most important insurance for anyone living in Germany—especially for internationals who are not familiar with the local legal framework.

But liability insurance is just the beginning. Depending on your situation, other insurances can be equally important, such as:

✔️ Household insurance

✔️ Legal expenses insurance

✔️ Dog owner liability (mandatory in Berlin and several other federal states)

📌 Personal liability and dog liability are separate: even if your private liability insurance covers some pet incidents, dog liability insurance may still be required by law depending on where you live.

To help our clients navigate this topic, we work closely with trusted insurance experts.

See more information here.

A big thank you to Christopher Hirsch from Radtke Versicherungen, who supports our international clients in English and helps them find the right coverage—clearly, personally, and reliably.

Read more about insurances here.