The insurance options presented here apply to both** Self-employed people** as well as for freelancer, since both carry the same risks. If you are planning to take the step into self-employment, you absolutely have to Insurance in the private and business sectors think.
Private is one Health insurance the least you should have. However, this can be supplemented by other benefits, such as daily sick pay.
Business is one Public liability essential and this should also be supplemented depending on the business model. Below you will find the most important aspects.
Health insurance for the self-employed
As an independent entrepreneur, you basically have the right to choose between private and voluntary statutory health insurance. It should be borne in mind that for private individuals, contributions increase significantly with age and it is difficult to return to the pension from the age of 55 or more **statutory health insurance **get.
In any case, you should have a cost plan drawn up. Of course, the services of the private health insurance It is often better to enjoy the advantages of being a private patient. But: As a rule, the bills for medication and medical services must first be presented and these funds must be liquid.
The alternative to this would be voluntary membership in one of the statutory health insurance companies and possibly one private supplementary insurancein order to be able to use private medical services in the event of illness. The advantage of this model is that you are billed via your insurance card and remain in the statutory health insurance fund. If you run a small business alongside your employment as an employee, you are still subject to compulsory health insurance under the GKV and are insured through your employer. (BMWi business start-up portal)
Legal protection insurance for the self-employed
Commercial Legal protection insurance are usually offered as a kind of modular system, so that only risks that actually exist are covered.
What should a sole proprietor do, for example, with employment legal protection insurance? He can still complete this when he eventually hires his first employee. Until then it would be unnecessary.
But legal protection insurance for contract and property law or tort law makes sense in any case.
Daily sickness benefit insurance
Since a self-employed person is not entitled to continued payment of wages, one can **Daily sickness benefit insurance **be very important. In the event of illness, there may be no income and the costs continue.
Daily sickness benefit insurance ensures that a certain amount, as agreed in the contract, is paid by the insurance company.
Liability insurance
This isn’t about one** company liability insurance,** the damage that could arise in connection with working as a self-employed person.
Like private liability insurance, it occurs in the event of damage to third parties and is absolutely essential. Depending on the circumstances, damage in the commercial sector can reach immeasurable levels.
Voluntary unemployment insurance for the self-employed
If you meet one of the following two requirements, you can volunteer unemployment insurance remain. Then you must either have been in the past two years at least** Requires insurance for 12 months** have been or you must have been immediately before becoming self-employed received unemployment benefits have.
Just as a guide: for 2017 the amount is 3 % of the income. However, there is a special regulation for founders, according to which they only have to pay 50% of the standard contribution to the Federal Employment Agency in the founding year and the following year.
Accident insurance for the self-employed
Since self-employed people usually have no legal insurance and can therefore quickly face financial ruin in the event of an accident, one is** Accident insurance** highly recommended.
If you have an accident, you shouldn’t also worry about your existence. As a self-employed person you can voluntarily with the professional associationt insure against occupational accidents. In order to also protect against accidents in the leisure and private sector, there is one** private accident insurance** recommended to be financially secure.
Pension insurance for the self-employed
As an entrepreneur, you are not subject to statutory pension insurance. An exception to this are some freelancers who, in the opinion of the state, require special protection and therefore Compulsory pension insurance subject to. These include, for example, people in teaching or medical professions.
Everyone else has to take care of their own old age security. There are almost countless options for this Capital investment, which also includes, for example, real estate ownership or pension funds. But here, as almost always, the better the return, the higher the risk. And does it make sense to risk being left without a secure livelihood in old age?
This is a relatively safe and affordable option voluntary pension insurance With this alternative, as a self-employed person, you are on an equal footing with normal employees when it comes to pension entitlement and enjoy the same protection as them. The German pension insurance will be happy to advise you on this.
Conclusion
It is advisable to think about which ones in advance or to discuss them with a tax advisor Protection in individual cases are necessary and sensible but also financially viable. Since insurance is usually offered as a kind of modular system, especially for the self-employed, it can be Compare costs and services very well.
A precise list of the desired services is very helpful. A good insurance or insurance broker can be very helpful. This person is not tied to a single company, like an insurance agent, but his job is to…** The most affordable and tailored offer for you** to be found on the market.
