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Source: BUS Sachsen-Anhalt (Linie6PLus)

Apply for exemption from the authorisation requirement as an insurance intermediary


In principle, as a self-employed insurance intermediary, you need a permit. Your local Chamber of Industry and Commerce (IHK) is responsible for this. As a so-called product-accepting insurance intermediary, however, you can be exempted from the licensing requirement. For this purpose, you must submit an application to your local IHK.

You are a product-ancillary insurance intermediary if you arrange product-complementary insurance in addition to your main activity. This means that the risk for which you broker insurance must arise directly from the goods or services.

Example of such product-complementary insurance agencies:

  • The mediation of a car insurance in connection with a car purchase.
  • The mediation of a life insurance as collateral when concluding a loan agreement.
  • The mediation of transport insurance in connection with delivery services.

You must also register in the register of insurance intermediaries. With the application for exemption from a permit, you can also submit an application for entry in the register of intermediaries.

Special features for foreign nationals:

If you are a foreign national and have an establishment in another Member State of the European Union (EU), you must register in that country. You do not need a permit exemption in Germany nor can you register in the German insurance intermediary register.

The same provisions apply to foreign nationals from non-EU countries as to German nationals. These also apply to EU citizens who register a corresponding business exclusively in Germany.

You can apply for the exemption from permission in writing:

  • Download the application form on the website of your local IHK. Fill it out completely.
  • Then send it with the necessary documents to your responsible IHK.
  • As soon as you have provided all the information and the documents are complete, the IHK will decide on your application.
  • After a positive examination, you will receive the exemption from the permit and, if necessary, you will be entered in the insurance intermediary register.
  • The granted exemption from permission is valid indefinitely. It only ends when you do without it. Under certain conditions, the IHK can revoke or withdraw the exemption from the permit and have you deleted from the register of intermediaries.

Note: As a rule, your locally responsible IHK also offers an online procedure.

  • They only mediate the insurance as a supplement to other products or services (accessory)
    • Example: A car dealer also brokers car insurance when selling cars
  • You carry out your activity:
    • on behalf of one or more insurance intermediaries with permission, or
    • on behalf of one or more insurance undertakings
  • Your client makes a declaration about:
    • Your personal reliability,
    • Your qualifications and
    • Your orderly financial circumstances
  • You have taken out professional indemnity insurance. Currently, a minimum coverage of:
    • EUR 1,276,000 for each insured event and
    • EUR 1,919,000 for all claims of a year in total
  • Copy of your valid identity card or passport
  • for proof of the entrepreneurial legal form:
    • at the company's headquarters in Germany:
      • Extract from the commercial register or the partnership register, in the case of companies registered in a register, otherwise
      • a copy of the articles of association
    • in the case of the company's registered office abroad: corresponding documents from the country of residence proving the legal form
  • Declaration by the client, i.e. the insurance company or the chief intermediary, about your personal reliability, your qualifications and your orderly financial circumstances

In the case of legal entities, you only need to complete the application form for the legal entity itself. You must submit all personal documents for all persons entitled to the management of the company. For the legal entity, you also need an excerpt from the Central Trade Register.

Partnerships are not eligible for permission as such. Therefore, every managing partner needs permission. For each of these persons, you must submit a completed application form and all personal documents.

Attention: To check the personal reliability, your IHK can request further documents. Some of the documents submitted may not exceed an expiry period at the time of the decision (not only at the time of filing). Inquire about this with your IHK.

  • The fees for the exemption from authorisation for product-ancillary insurance intermediaries and for registration in the register of insurance intermediaries vary depending on the Chamber of Industry and Commerce.


Note: You may not start working until you have received the exemption.

Depending on the IHK different.

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

Online procedure possible: partially, depending on the CHAMBER OF INDUSTRY and Commerce

Written form required: yes

Personal appearance required: no

The text was automatically translated based on the German content.

Federal Ministry for Economic Affairs and Energy (BMWi)

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