Erlaubnis für Versicherungsvermittler Erteilung
Hamburg
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99050035001000
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Typ 2/3
Inhalt
<div lang="en-x-mtfrom-de">Apply for a permit to work as an insurance intermediary</div>
Begriffe im Kontext
<div lang="en-x-mtfrom-de">Insurance intermediary</div> (Synonym), <div lang="en-x-mtfrom-de">IHK</div> (Synonym), <div lang="en-x-mtfrom-de">insurance</div> (Synonym), <div lang="en-x-mtfrom-de">insurance broker</div> (Synonym), <div lang="en-x-mtfrom-de">insurance agent</div> (Synonym), <div lang="en-x-mtfrom-de">trade regulations</div> (Synonym), <div lang="en-x-mtfrom-de">GewO</div> (Synonym), <div lang="en-x-mtfrom-de">Chamber of Commerce and Industry</div> (Synonym), <div lang="en-x-mtfrom-de">insurance consultant</div> (Synonym), <div lang="en-x-mtfrom-de">Insurance Intermediary Register</div> (Synonym), <div lang="en-x-mtfrom-de">insurance contract</div> (Synonym), <div lang="en-x-mtfrom-de">insurance mediation</div> (Synonym), <div lang="en-x-mtfrom-de">Section 34d</div> (Synonym)
Fachlich freigegeben am
18.07.2022
Fachlich freigegeben durch
nicht vorhanden
Designation: § 34d paragraph 1 trade regulations (GewO)
URL: https://www.gesetze-im-internet.de/gewo/__34d.html
URL: https://www.gesetze-im-internet.de/gewo/__34d.html
If you would like to work as an independent insurance broker, you need permission from your local Chamber of Commerce and Industry (IHK).
You are an insurance intermediary if you are:
As an insurance agent:
If you have a branch as an insurance intermediary in another member state of the European Union (EU) or the European Economic Area (EEA), you must register in this country. You do not need a permit in Germany, nor can you be entered in the German register of insurance brokers.
- insurance agent or
- insurance brokers operate.
As an insurance agent:
- broker insurance contracts for one or more insurers on a commercial basis and
- as its administrator, you are on the side of the insurance company on the basis of a representative contract.
- broker insurance contracts independently on behalf of customers and
- are on the side of the customer as their interests.
If you have a branch as an insurance intermediary in another member state of the European Union (EU) or the European Economic Area (EEA), you must register in this country. You do not need a permit in Germany, nor can you be entered in the German register of insurance brokers.
- application for permission
- for proof of the corporate legal form:
- for company headquarters in Germany:
- Excerpt from the commercial register or the partnership register for companies entered in a register, otherwise
- a copy of the articles of association
- for company headquarters in Germany:
- for proof of personal reliability:
- if you live in Germany:
- Certificate of good conduct (document type O) and
- Excerpt from the central trade register for submission to an authority
- If you live abroad: Corresponding documents from your home country that prove your personal reliability
- if you live in Germany:
- for proof of orderly financial circumstances:
- if you live in Germany:
- Certificate from the tax office in tax matters
- If you live abroad: Corresponding documents from your home country that prove your orderly financial situation
- if you live in Germany:
- Proof of expertise about existing necessary knowledge and legal regulations of the insurance industry
- Proof from an insurance company that you have professional liability insurance for the insurance industry
Attention: Your IHK can request additional documents to check your personal reliability. Some of the documents submitted may not exceed an expiration period at the time of the decision (not just at the time of submission). Inquire about this at your IHK.
- They have the reliability required for commercial operations. As a rule, you are not considered reliable if you have been convicted of one of the following violations in the last 5 years:
- crime
- theft
- embezzlement
- blackmail
- Fraud
- infidelity
- money laundering
- forgery
- receiving stolen goods
- usury
- Bankruptcy Offenses
- They live in orderly financial circumstances. You do not meet this requirement if:
- opened insolvency proceedings over your assets or
- was rejected for lack of mass or
- You are entered in the register of debtors.
- You have the required expertise. Evidence of the required expertise is possible through:
- a proficiency test before the Chamber of Industry and Commerce or
- through equivalent training qualifications and possibly corresponding professional experience. The equivalent training qualifications can be found in the Ordinance on Insurance Mediation and Consulting.
- You have taken out professional liability insurance with the applicable sums insured.
- The fees for the licensing procedure for insurance intermediaries and registration in the insurance intermediary register vary depending on the IHK.
The fee for the permit procedure at the Hamburg Chamber of Commerce is currently €250.00 to €320.00 (as of early 2022).
You can apply for permission to work as an insurance intermediary in writing:
- Download the application form from the website of your local IHK. Fill this out completely.
- Then send it with the required documents to your responsible IHK.
- As soon as you have provided all the information and the documents are complete, the IHK will make a decision on your application.
- After a positive check, you will receive permission and, if necessary, be entered in the register of insurance brokers.
- The permission granted is valid indefinitely. It ends only when you renounce it. Under certain conditions, the IHK can revoke or withdraw the permit and have you deleted from the register of intermediaries.
Depending on the Chamber of Industry and Commerce, the processing time in Hamburg is around 6 to 8 weeks.
Deadline Type: Application Deadline
Duration (fixed time): 3 months
Note (for more information on the deadline): You may not start the activity until permission has been granted.
Duration (fixed time): 3 months
Note (for more information on the deadline): You may not start the activity until permission has been granted.
The certificate of good conduct for submission to an authority, the information from the central business register for submission to an authority, the certificate in tax matters and proof of professional liability insurance must not be older than 3 months at the time the application is submitted. Application and required attachments see also doc. no. 4088650 at https://www.hk24.de/ .
Sending by email is also possible.
Sending by email is also possible.
- Insurance intermediary license
- Self-employed insurance intermediaries need a permit
- In addition to the permit, an entry in the register of insurance intermediaries is also required
- Insurance intermediaries work as:
- insurance agent or
- insurance broker
- The permission granted is valid for an unlimited period, but can be revoked under certain conditions
of the IHK can be revoked or withdrawn - the permit and the entry in the register are subject to a fee
- Responsible: Chamber of Industry and Commerce