In Germany everybody is by law liable who causes damage – even carelessly or innocently and therefore has to come up for the caused damage.
We recommend to take on a liability insurance that covers the costs of damage and also covers your spouse and Your children. Liability insurances normally cost less than 100.- Euro per year. Dogs and pets as well as vehicles have to be insured separately.
Liability insurance for professionals is more expensive and covers higher risks and damages caused in execution of your profession. Please ask for a separate policy for professional needs and we will provide you with a unique cover corresponding to your individual claims.