Erlaubnis zur Arbeit als Versicherungsberater beantragen

If you want to work as a self-employed insurance consultant, you need a license for this from the relevant Chamber of Industry and Commerce (IHK).

If you would like to work as a self-employed insurance consultant, you will need a license to do so from the relevant Chamber of Industry and Commerce (IHK). The content of the license may be restricted and subject to conditions if this is necessary to protect the general public or policyholders. Conditions may also be subsequently amended, supplemented and included.

With the license, the insurance consultant is entitled to assist his clients in the agreement, amendment or review of insurance contracts or in the exercise of claims arising from insurance contracts. from insurance contracts in the event of an insured event and to represent them out of court vis-à-vis the insurance company.

The insurance consultant may only be remunerated for his work by the client. Insurance consultants may not accept any commission or inducements from insurance companies.

Insurance advisors must immediately after taking up their activity in the register of insurance intermediaries at the IHK responsible for them. Registration can also take place at the same time as the application for a license.

• Completed and signed application form
• Certificate of good conduct document type "0G", for legal entities of all managing partners
• Extract from the central trade register, in the case of legal entities also of the managing partner(s)
• Proof of professional liability insurance or an equivalent guarantee
• Certificate in tax matters
• Proof of successful completion of an expert examination or an equivalent professional qualification in accordance with Section 5 of the Insurance Intermediary Ordinance (VersVermV) or a successfully completed qualification as an insurance specialist (BWV)
• If applicable, proof of delegation of the proof of expertise to authorized supervisors in accordance with Section 34d (5) sentence 4 of the Trade, Commerce and Industry Regulation Act (GewO)
• Register excerpt from the commercial, cooperative or association register
• Business registration (current copy)
• Foreign nationals, unless they are EU nationals, require a residence permit that entitles them to exercise a self-employed activity.
  
  Special feature for holders of a license according to § 34c GewO:
  If a permit in accordance with § 34c GewO exists and is not older than 3 months, the following documents are required: Certificate of good conduct, extract from the central trade register and certificate in tax matters need not be submitted if a copy of the license certificate (in accordance with § 34c GewO) is enclosed and no revocation, withdrawal or criminal proceedings are pending.
  
  Exception for licensed credit institutions:
  In the case of credit institutions licensed under the German Banking Act (KWG), neither the personal financial circumstances of the Management Board or management nor the orderly financial circumstances of the credit institution are checked, as this has already been done via the Federal Financial Supervisory Authority (BaFin).
  You will receive proof of the conclusion or existence of professional indemnity insurance or an equivalent guarantee from your insurance company; this must not be older than three months.

A fee is charged for the permit.

The fees are based on the fee tariffs of the chambers of industry and commerce.

A certificate of good conduct and an extract from the central trade register each cost EUR 13.00.

In order to obtain a license as an insurance advisor, you must submit a corresponding application together with the necessary documents to your local Chamber of Industry and Commerce (IHK).

• At the same time as your application, you can also apply for entry in the register of intermediaries.
• The relevant IHK will check whether you meet the requirements based on the information and documents you have submitted.
• If you meet all the licensing requirements, you will receive your license.

Once all documents have been submitted, the application will be processed. This may take several weeks.

The permit is valid indefinitely.

Here you will find an overview of the professional qualifications that are equivalent to the certificate of competence examination:

An appeal may be lodged against the decision of the Chamber of Industry and Commerce on your application for a permit.

• Commercial, independent insurance advice may only be provided by an insurance consultant who has received a license from the relevant Chamber of Industry and Commerce (IHK). The content of the license may be restricted and subject to conditions.
• With the license, the insurance consultant is entitled to provide legal advice to his clients on the agreement, amendment or review of insurance contracts or on the assertion of claims arising from insurance contracts in the event of an insured event.
• Immediately after taking up the activitymust be entered in the register of insurance intermediaries at the relevant Chamber of Industry and Commerce.
• Registration can also take place at the same time as the application for a license.

Contact your local Chamber of Industry and Commerce (IHK) in Rostock, Schwerin or Neubrandenburg.

Forms: can be obtained from your local Chamber of Industry and Commerce

Online procedure possible: partly, depending on the IHK

Personal appearance necessary: no