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Your independent insurance broker.

Personalised services that help. For more than 25 years.

 

What makes us unique

25+ years of expe­ri­ence

We help our cli­ents to get the best pro­duc­ts that fit their needs sin­ce 1995.

Inde­pen­dent & Per­so­nal

Objec­tive ana­ly­sis with your indi­vi­du­al needs and requi­re­ments at the cen­ter.

Fami­ly busi­ness

We are a fami­ly owned and run busi­ness in the 2nd genera­ti­on.

As fle­xi­ble as your needs

Fast paced chan­ges, long-term pla­ning; via tele­pho­ne, mail, sky­pe or having a good old cup of cof­fe tog­e­ther.

What makes us unique

25+ years of experience

We help our cli­ents to get the best pro­duc­ts that fit their needs sin­ce 1995.

Independet & Personal

Objec­tive ana­ly­sis with your indi­vi­du­al needs and requi­re­ments at the cen­ter.

Family business

We are a fami­ly owned and run busi­ness in the 2nd genera­ti­on.

As flexible as your needs

Fast paced chan­ges, long-term pla­ning; via pho­ne, mail, sky­pe or having a good old cup of cof­fe tog­e­ther.


Erfahrungen & Bewertungen zu Versicherungsbüro Weiss


What makes us unique

25+ years of experience

 

We help our clients to get the best products that fit their needs since 1995.

 

 
Independet & Personal

 

Objective analysis with your needs and requirements at the center.

 

Family business

 

Family owned and run business in the 2nd generation.

 

Professional & Qualified

 

The insurance market changes constantly.

 

We stay up to date and live continuous professional development — so you don’t have to.

 

Erfahrungen & Bewertungen zu Versicherungsbüro Weiss

Our services

Our work revol­ves around you, our cli­ents. Your indi­vi­du­al needs and requi­re­ments are at the cent­re of ever­ything we do.

In doing so, we cover the ent­i­re lifecy­cle of insuran­ces and insuran­ce-based invest­ment pro­duc­ts, from initia­ti­on to purcha­sing a plan whilst con­ti­nuous­ly sup­por­ting you throughout the con­tract dura­ti­on:

  • Ana­ly­sis and adjust­ment of your cur­rent plans and con­trac­ts
  • Con­sul­ta­ti­on and purcha­se of new plans and con­trac­ts
  • Fast, pro­fes­sio­nal sup­port in case of damages, claims and bene­fits
  • Vast expe­ri­ence regar­ding the spe­cial cir­cum­s­tan­ces of expa­tria­tes

Most frequently requested products

Close-up Of Red Wine Spilled From Glass On Carpet
Personal liability Insurance

The per­so­nal lia­bi­li­ty insuran­ce is one of the most com­mon insuran­ces in Ger­ma­ny – appro­xi­mate­ly 2/3 of Ger­mans have a per­so­nal lia­bi­li­ty plan.

The rea­son why is simp­le: By law, every per­son is liable for cau­sed damages to ano­t­her per­son (inclu­ding that person’s pro­per­ty and imma­te­ri­al assets) and has to pay to make up for the­se damages – if necessa­ry, with his or her ent­i­re assets and until the rest of their life.

In the nor­mal cau­se of life damages hap­pen: you trip and knock over your friend’s tv or sim­ply break an expen­si­ve pie­ce of fur­ni­tu­re by acci­dent. Espe­ci­al­ly if bodi­ly inju­ries come into play can the costs quick­ly turn from uncom­for­ta­ble to exis­tence-threa­ten­ing. 

Becau­se you are liable in almost every dai­ly situa­ti­on, even if unin­ten­tio­nal and wit­hout deli­be­ra­teness, a per­so­nal lia­bi­li­ty insuran­ce is almost always recom­men­ded. Espe­ci­al­ly sin­ce the com­mon insuran­ces are very cheap (star­ting from 60€/year) and enab­le you avert many risks with litt­le costs.

Vorsorge - the german word for financial precautions
Pension plans

If you are a regu­lar employee in Ger­ma­ny a big part of the taxes you pay goes to the public pen­si­on plan. Out of that plan, your pen­si­on will be paid once you hit reti­re­ment age and one aspect that ever­y­bo­dy agrees upon is: it will not be enough.

The public pen­si­on is around 40% of your regu­lar inco­me befo­re taxes – if the sys­tem stays at it is and not too many reti­rees enter the sys­tem. But the popu­la­ti­on is get­ting older and fewer peop­le have to pay for more reti­rees so that the pen­si­on you will ulti­mate­ly recei­ve from the sta­te will pro­bab­ly be signi­fi­cant­ly less than today.

To coun­ter that, the Ger­man government has ack­now­led­ged a ran­ge of pri­va­te pen­si­on plans and pro­duc­ts that are eli­gi­ble for tax deduc­tions or sub­si­dies. The­se plans are open for every citi­zen living and working in Ger­ma­ny and are stron­gly recom­men­ded by the Ger­man government, NGOs and insu­rers ali­ke.

Saving for the future should not com­pro­mi­se living today and has to fit your needs and requi­re­ments over many years. We can help you to find a solu­ti­on that ful­fils the com­plex set of requi­re­ments that are rep­re­sen­ted by pen­si­on plans.

Horizontal view of a disabled man on crutches
Disability insurance

The dai­ly work and inco­me rep­res­ents the finan­ci­al foun­da­ti­on for the vast majo­ri­ty of peop­le – but what hap­pens if you are sud­den­ly not able to work any­mo­re? The public “bene­fits for reduc­tion in ear­ning capa­ci­ty” (Erwerbs­min­de­rungs­ren­te) that regu­lar employees may be eli­gi­ble for rare­ly enab­les peop­le to keep their stan­dard of living, espe­ci­al­ly if the main ear­ner can­not work any­mo­re.

The Ger­man NGO Bund der Ver­si­cher­ten (uni­on of insu­red peop­le) recom­mends every employee to have a disa­bi­li­ty insuran­ce yet many deci­de against it. The main rea­sons are that many think it will be very expen­si­ve and the com­mon thought of “not­hing will hap­pen to me” pre­vails. But espe­ci­al­ly in disa­bi­li­ty insuran­ces the ear­ly (= youn­ger) bird cat­ches the worm!

A per­so­nal and pre­ci­se con­sul­ta­ti­on is para­mount when it comes to disa­bi­li­ty insuran­ces becau­se many fac­tors have to be taken into con­si­de­ra­ti­on. With your needs and requi­re­ments at the cent­re, sup­por­ted by spe­cia­li­sed soft­ware and our expe­ri­ence, we can help you make an infor­med and opti­mal decisi­on.

Law books
Legal protection insurance

Every busi­ness has eit­her direct or indi­rect custo­mer con­tact on a regu­lar basis. A dis­agree­ment can quick­ly turn into a legal dis­pu­te and that can cau­se high costs in the form of lawy­er fees, court fees, liti­ga­ti­on costs, etc..

In order for the­se costs not to pre­sent a big finan­ci­al bur­den and may­be more import­ant­ly, in order for ever­yo­ne to be able to get a fair chan­ce in court regard­less of his or her finan­ces, the­re are legal pro­tec­tion insuran­ces.

Bene­fits of the­se plans ran­ge from a free first con­sul­ta­ti­on with a lawy­er, legal coun­sel­ling and miti­ga­ti­on to coverage of liti­ga­ti­on costs and full-blown rep­re­sen­ta­ti­on in court.   

The scope of the­se kinds of insuran­ces hea­vi­ly depends on your requi­re­ments, not every employ­er needs the who­le spec­trum. We can help you choo­se the best fit for your legal pro­tec­tion.

Businessman turned into thunder warrior,holding a lightning sword and shield ,preparation, protection, precaution and security in business concept .
Professional liability insurance

Life car­ri­es many risks – run­ning a busi­ness increa­ses tho­se risks. Depen­ding on your occupa­ti­on, risks for your per­so­nal assets can be very high but at the same time fear of making mista­kes should not para­ly­se your busi­ness.

It is not just your own actions that pose risks, your employees, vehi­cles, buil­dings and much more have to be taken into account as well. Simi­lar to the per­so­nal lia­bi­li­ty, you can be liable for damages wit­hout any fault of yours or intent. Espe­ci­al­ly occupa­ti­ons that invol­ve con­sul­ta­ti­ve activi­ties can lead to claims that can cau­se finan­ci­al ruin.

The cru­ci­al fac­tors are the natu­re of your occupa­ti­on and the scope of insuran­ce you want – a nota­ry has pro­found­ly dif­fe­rent needs than a mecha­nic. We will help you find the best pro­tec­tion for your indi­vi­du­al needs.

Vorsorge - the german word for financial precautions
Company pension schemes

Com­pa­ny pen­si­on sche­mes are one of the 3 “lay­ers of the Ger­man pen­si­on sys­tem” and they have an enor­mous impact on sta­bi­li­sing pen­si­ons.

Com­pa­ny pen­si­on sche­mes are equal­ly com­plex as pen­si­on plans for indi­vi­du­als and come in many forms. The cor­rect choice not only bene­fits employees but also employ­ers in the form of lower wage labour costs and a decisi­ve com­pe­ti­ti­ve advan­ta­ge regar­ding the batt­le for talen­ted employees.

Regard­less of whe­ther you are a small retailer or craft­s­man or a big tech com­pa­ny or hotel chain, we can help you make the best decisi­on for your busi­ness and your employees.

Gesundheit & Pflege
Health insurance

Health insuran­ce in Ger­ma­ny liter­al­ly accom­pa­nies you your ent­i­re life and yet it often gets neglec­ted – until it is nee­ded. That regu­lar­ly leads to a bad awa­ke­n­ing becau­se of pro­ce­du­res that are not cove­r­ed or high co-pay­ments.

Whe­ther pri­va­te or public, health insuran­ce as a man­dato­ry insuran­ce rep­res­ents a cen­tral pil­lar of the Ger­man soci­al sta­te. It gua­ran­tees ever­yo­ne ade­qua­te health care and tri­es to com­pen­sa­te things such as a tem­pora­ry loss of the abi­li­ty to work.

Howe­ver, with more than 150 insu­rers in Ger­ma­ny alo­ne, often vast­ly dif­fe­rent focu­ses and plans one can safe­ly say that the health insuran­ce mar­ket can be con­fu­sing. A tho­rough ana­ly­sis can very often lead to less costs and/or bet­ter bene­fits. Espe­ci­al­ly free­lan­cers have many opti­ons with exten­si­ve dif­fe­ren­ces.

Horizontal view of a disabled man on crutches
Disability insurance

For most free­lan­cers their dai­ly work rep­res­ents their only source of inco­me – but what to do if you can­not work any­mo­re? Free­lan­cers are not eli­gi­ble for the public disa­bi­li­ty sche­me and more often than not the­re are no assets avail­ab­le to live off.

The Ger­man NGO Bund der Ver­si­cher­ten (uni­on of insu­red peop­le) recom­mends every employee to have a disa­bi­li­ty insuran­ce and that is even more important for free­lan­cers. The main rea­sons why free­lan­cers do not purcha­se a disa­bi­li­ty plan are that many think it will be very expen­si­ve and the com­mon thought of “not­hing will hap­pen to me” pre­vails. But espe­ci­al­ly in disa­bi­li­ty insuran­ces the ear­ly (= youn­ger) bird cat­ches the worm!

A per­so­nal and pre­ci­se con­sul­ta­ti­on is para­mount when it comes to disa­bi­li­ty insuran­ces becau­se many fac­tors have to be taken into con­si­de­ra­ti­on. With your needs and requi­re­ments at the cent­re, sup­por­ted by spe­cia­li­sed soft­ware and our expe­ri­ence, we can help you make an infor­med and opti­mal decisi­on.

Businessman turned into thunder warrior,holding a lightning sword and shield ,preparation, protection, precaution and security in business concept .
Personal / Business liability insurnace

Life car­ri­es many risks – run­ning a busi­ness increa­ses tho­se risks. Depen­ding on your occupa­ti­on, risks for your per­so­nal assets can be very high but at the same time fear of making mista­kes should not para­ly­se your busi­ness.

It is not just your own actions that pose risks, your ser­vices, vehi­cles, buil­dings and much more have to be taken into account as well. You can be liable for damages wit­hout any fault of yours or intent, both pro­fes­sio­nal­ly and pri­va­te­ly. Espe­ci­al­ly occupa­ti­ons that invol­ve con­sul­ta­ti­ve activi­ties can lead to claims that can cau­se finan­ci­al ruin.

The cru­ci­al fac­tors are the natu­re of your occupa­ti­on and the scope of insuran­ce you want – a nota­ry has pro­found­ly dif­fe­rent needs than a mecha­nic. We will help you find the best pro­tec­tion for your indi­vi­du­al needs.

Gesundheit & Pflege
Health insurance

Health insuran­ce in Ger­ma­ny is one the major man­dato­ry insuran­ces and rep­res­ents a cen­tral pil­lar of the Ger­man soci­al sta­te. Every per­son living in Ger­ma­ny needs to have a health insuran­ce plan that ful­fils cer­tain mini­mum requi­re­ments.

As an expa­tria­te, whe­ther you are from the EU or not, get­ting health insuran­ce or chan­ging your plan can quick­ly get com­pli­ca­ted and bureau­cra­tic. The­re are forms to fill out, usual­ly only in Ger­man, infor­ma­ti­on needs to be trans­la­ted and ack­now­led­ged in order to get health insuran­ce.

Most of the time you need to pro­ve that you have health insuran­ce that is ack­now­led­ged by the Ger­man aut­ho­ri­ties and Ger­man insu­rers are usual­ly sim­ply not used to hand­ling expats and often refu­se to ser­vice them pro­per­ly.

We work with expe­ri­en­ced expat con­sul­tants, part­ners that have spe­cia­li­sed in expats and have more than 25 years of expe­ri­ence hand­ling insuran­ces for expats in Ger­ma­ny. We know the obsta­cles of Ger­man bureau­cra­cy and can help you get over them.

Close-up Of Red Wine Spilled From Glass On Carpet
Personal liability insurance

The per­so­nal lia­bi­li­ty insuran­ce is one of the most com­mon insuran­ces in Ger­ma­ny – appro­xi­mate­ly 2/3 of Ger­mans have a per­so­nal lia­bi­li­ty plan.

The rea­son why is simp­le: By law, every per­son is liable for cau­sed damages to ano­t­her per­son (inclu­ding that person’s pro­per­ty and imma­te­ri­al assets) and has to pay to make up for the­se damages – if necessa­ry, with his or her ent­i­re assets and until the rest of their life.

In the nor­mal cau­se of life damages hap­pen: you trip and knock over your friend’s tv or sim­ply break an expen­si­ve pie­ce of fur­ni­tu­re by acci­dent. Espe­ci­al­ly if bodi­ly inju­ries come into play can the costs quick­ly turn from uncom­for­ta­ble to exis­tence-threa­ten­ing. 

Becau­se you are liable in almost every dai­ly situa­ti­on, even if unin­ten­tio­nal and wit­hout deli­be­ra­teness, a per­so­nal lia­bi­li­ty insuran­ce is almost always recom­men­ded. Espe­ci­al­ly sin­ce the com­mon insuran­ces are very cheap (star­ting from 60€/year) and enab­le you avert many risks with litt­le costs.

Vorsorge - the german word for financial precautions
Pension plans

Ever­yo­ne wants to have enough funds to enjoy a com­for­ta­ble reti­re­ment after working hard for most of their life. The years of work should pay off, regard­less of whe­re and when you worked.

Howe­ver, when you do not work and/or live in your home coun­try, the com­plex issu­es revol­ving around reti­re­ment get even more com­pli­ca­ted. Espe­ci­al­ly if you return to your home coun­try, your visa sta­tus chan­ges or other big chan­ges in your life hap­pen, the­re are many aspec­ts to take into con­si­de­ra­ti­on. Small over­sights can have immense impac­ts.

We can help you to reco­gnise every rele­vant fac­tor for your indi­vi­du­al situa­ti­on. Tog­e­ther with our expat con­sul­ting and other part­ners we can deli­ver the right ans­wers to the com­plex ques­ti­ons that reti­re­ment plans as an expat rai­se.

Only an insurance — but so much more

Insuran­ces are more than just a pie­ce of paper – they rep­re­sent a litt­le sli­ce of secu­ri­ty.

Life is diver­se and varied and so are the pos­si­bi­li­ties to pre­pa­re oneself for the con­tin­gen­ci­es and even­tua­li­ties of life.

Whe­ther you want to insu­re your first car or want to enga­ge in your long-term plans – we stand by your side with a hel­ping hand and expert know-how.

Whe­ther you are a pri­va­te indi­vi­du­al, an employ­er, a free­lan­cer or an expa­tria­te, our goal is to help you find the best solu­ti­on for you. The solu­ti­on that fits your needs and your life.

Wri­te us a mail, call us or con­tact us any way you like, we usual­ly get back to you wit­hin 24 hours. Free of char­ge and wit­hout any com­mit­ment.

We are loo­king for­ward to hea­ring from you!

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