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Authorisation for insurance intermediaries Exemption

Product-ancillary insurance intermediaries may be exempted from the authorisation requirement upon application.
Natural and legal persons (e.B. GmbHs) can apply for the exemption from permission. Partnerships require a separate exemption from permission for each managing partner.

Product-ancillary insurance intermediaries who are exempt from the authorisation requirement must nevertheless register and be entered in the intermediary register.

Who should I contact?

The responsibility lies with the Chamber of Industry and Commerce (IHK), in whose district the commercial enterprise has its registered office.

This procedure can also be handled through a "point of single contact". The "Point of Single Contact" is a special service offered by the municipalities and the state for service providers.

Find your Point of Single Contact


  • Insurance is only provided in addition to other products and services.
    • Example: A car dealer also arranges car insurance when selling cars.
  • The activity as an insurance intermediary takes place directly
    • on behalf of one or more insurance intermediaries with permission, or
    • on behalf of one or more insurance undertakings.
  • Proof of financial loss liability insurance with the following requirements:
    • The minimum sum insured is 1.13 million euros per insured event or 1.7 million euros for all insurance claims per year.
    • The insurance is valid in all member states of the European Union (EU) as well as in the EEA states.
  • The client makes a declaration about
    • personal reliability,
    • the qualification and
    • the orderly financial circumstances of the insurance intermediary.

Which documents are required?

  • Completed application form
  • Copy of identity card or comparable identification document
  • for proof of the entrepreneurial legal form:
    • Headquarters in Germany:
      • in the case of companies entered in a register: extract from the commercial register or the partnership register
      • otherwise a copy of the articles of association (e.B. in the case of a partnership under civil law (GbR))
    • Company headquarters abroad:
      • Documents from the country of residence proving the legal form
  • Declaration by the client on the personal reliability, qualifications and orderly financial circumstances of the insurance intermediary/
  • Proof of the existence of financial loss liability insurance (certificate from an insurance company authorised in Germany)

In the case of legal entities (GmbH, corporate companies, AG, registered cooperatives), the application form must only be completed for the legal entity. All personal documents must be submitted for all natural persons entitled to the management (e.B. personal papers). An extract from the Central Trade Register is also required for the legal entity.

Partnerships (GbR, KG, OHG, PartG, GmbH & Co. KG) are not eligible for permission as such. Therefore, every managing partner needs permission. For each of these persons, a completed application form and all personal documents must be submitted.

What are the fees?

Fees are charged according to the fee statutes of the competent authority.

What deadlines do I have to pay attention to?

There are no deadlines to be observed. However, the activity may only be started once the exemption has been granted.

Technically approved by

Lower Saxony Ministry of Economic Affairs, Labour and Transport

Source: Serviceportal Niedersachsen (Linie6PLus)

Further Links

Single points of contact of the state of Lower Saxony, Single points of contact of the countries of Europe, advice and assistance for EU citizens and their families.