Guardian / insurance advisor / insurance broker / financial investment broker / fee-based financial investment advisor / real estate loan broker; recognize foreign professional qualifications
Working as a guardian, insurance advisor, insurance broker, financial investment broker, fee-based financial investment advisor or real estate loan broker is regulated in Germany.
This means that you need a trade license to work in these professions. You need a certificate of competence for the license.
The certificate of competence is the professional qualification you need for the relevant work.
You can also provide proof of expertise with a professional qualification from abroad. To do this, you must have your professional qualification recognized. Professional qualifications can be Certificates of competence or training certificates.
If you would like to work permanently and independently in the professions mentioned, you will also need a permit. With the permit, you are allowed to operate these professions permanently and independently as a business. You must meet several requirements for the permit. One important requirement is proof of expertise. You apply for the permit in a different procedure.
Which documents are required?
The responsible office will tell you which documents you need to submit. Important documents are generally
- Proof of identity (officially certified copy of identity card or passport)
- List in tabular form of your training and professional experience (curriculum vitae)
- Proof of training
- Proof of relevant professional experience
- Other certificates of qualification
- If the profession is regulated in your country of training: a certificate stating that you are authorized to practice the profession in your country of training
The competent authority will inform you which documents you must submit in the original or as a certified copy.
You must submit your documents in German. The translations must be made by publicly appointed or authorized translators.
Requirements
- You have a professional qualification as a security guard, insurance advisor, insurance broker, financial investment broker, fee-based financial investment advisor or real estate loan broker from abroad.
- You would like to settle permanently in Germany and work in one of these professions.
What are the fees?
The responsible office will inform you of the costs. The costs generally depend on the time and effort required for processing.
Additional costs may be incurred (e.g. for translations and certifications). These costs vary from case to case.
Process flow
- You submit an "Application for recognition of foreign qualifications and training certificates" to the competent authority.
- For professional qualifications from the EU/EEA/Switzerland:
You can submit the application and the documents directly to the competent body or to a Single Point of Contact. You can also submit the application electronically via the Single Point of Contact. - The competent body will then compare your professional qualification from abroad with the German professional qualification and check the equivalence. If your professional qualification is equivalent, it will be recognized. You will then receive the notification of equivalence by post or electronically (notification of recognition).
- If your professional qualification is not equivalent, it will not be recognized. You will then receive notification of the differences in your professional qualification. You then have the right to a compensatory measure: this can be the "specific professional qualification examination" or the "supplementary instruction". The competent authority will inform you of the options. If you successfully complete the compensation measure, you will receive the notice of equivalence.
- With the notice of equivalence, you can apply for a permit for the relevant trade. You must submit a different application for this.
- You can take legal action against the decision of the competent authority. The decision will then be reviewed. We recommend that you first speak to the competent authority before taking legal action against the decision.
Processing duration
The responsible office will confirm that your documents have arrived after a maximum of one month. The competent office will inform you if any documents are missing.
If all the necessary documents are available, the procedure will take a maximum of 3 months. In individual cases, the procedure can be extended by a maximum of one month.
What deadlines do I have to pay attention to?
None.
Sometimes documents are still missing from the procedure. The responsible office will then inform you by when you must submit the documents.
Appeal
You can take legal action against the decision of the competent authority within a certain period of time (for example, by lodging an objection). The decision will then be reviewed. Details can be found in the information on legal remedies at the end of your decision. You should first speak to the responsible office before taking legal action against the decision.
Applications / forms
Forms: Forms can be obtained from the responsible office.
Online procedure: Via the Single Point of Contact
Written form requirement: possibly
Personal appearance required: no
- Online procedure with the Point of Single Contact
Remark: Note: Online procedures are generally only possible for professional qualifications from the EU, the EEA and Switzerland.
- Information on the recognition of foreign professional qualifications on "Recognition in Germany"
- Information on the recognition of foreign professional qualifications on the BQ-Portal
- Financial assistance in the recognition procedure
- Information on the Single Point of Contact
- Publicly appointed translators in Germany
What else should I know?
- Freedom to provide services
If you are established in an EU, EEA or Swiss country, you do not need to have your professional qualification recognized for temporary and occasional work as a service provider in Germany. However, special requirements apply: You must notify the competent authority of your work before the first activity. The notification (in accordance with § 13a GewO) takes place in a different procedure.
- Procedure for ethnic German repatriates
As a late repatriate, you can go through the recognition procedure either according to the laws mentioned here or according to the Federal Expellee Act. You can decide for yourself.
Who should I contact?
Responsible authorities
Industrie- und Handelskammer Osnabrück-Emsland-Grafschaft Bentheim
Timetable