Take care of your patients. We'll take care of your professional liability insurance.
Healing is your job — Protecting yourself is ours. With the Professional liability insurance for doctors or a Practice failure insurance we protect you from lawsuits, compensation and loss of earnings.
We protect your company with the best selection of 100+ insurance policies.
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Your job is challenging enough even without lawsuits and failures.
Die Professional liability insurance for doctors protects you when your patients sue you or claim compensation — justified or not. This includes legal costs and compensation payments.
Die Practice failure insurance covers fixed costs such as rent, salaries and electricity if you are unable to continue your practice for a long period of time due to illness or accident. It also reimburses you for lost sales.
Your VersicherungsEngel will provide you with easy-to-understand advice on which of the two insurance policies makes sense for you.
Okay, you need insurance for doctors. But... which one?
You know you need to insure yourself as a doctor, but where do you start? Doing your own research sounds like a good idea — until you realize after half an hour that every insurance policy has different conditions and the clauses are cryptically formulated.
Is professional liability now enough for doctors, or do you also need practice failure insurance? What about compensation claims, defense costs or loss of earnings? Questions upon questions. It's no wonder that you wouldn't want to worry about the topic at all.
But luckily you don't have to. Because that is exactly what you have an insurance angel for.
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“We've got specialised rates and years of hands-on experience in your industry.”
Your personal contact person will take care of everything directly.
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Process your claims within 24 hours without paperwork
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Get up to 40% off with special industry rates
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Hannah Thiebein
Facharztpraxis Ulm
Sebastian Euler
Göttingen University Hospital
Ben Kaden
Lübeck University Hospital
Typical claims
From which your professional liability for doctors or practice failure insurance protects you:
Medical malpractice lawsuit
Peter is an orthopedist and is being sued for an allegedly incorrect treatment recommendation. Although he has acted correctly, there is a risk of high legal and legal costs. His professional liability for doctors covers the costs of defense and pays if compensation is due.
Compensation due to incorrect medication
Olga is a dermatologist and forgets to ask about allergies when prescribing a cream. The patient experiences anaphylactic shock and demands compensation. Thanks to her professional liability insurance, Olga does not have to bear the costs herself — the insurance company clarifies the question of guilt and assumes the justified claims.
Failure due to accident
Elias is a dentist and is absent for four months due to a nasty herniated ligament disc. During this time, his practice failure insurance covers his ongoing fixed costs such as rent, salaries for his team and other operating expenses. In addition, it reimburses him for lost income.
Failure due to illness
Anne has to close her small practice for two months due to severe flu, as only she is the treating doctor. She now lacks income for electricity, room rent and salaries. Her practice failure insurance makes up for the financial losses until she is able to receive patients again.
In such cases, your certified contact person will also completely handle your claim. We personally ensure that you are in good hands with him.
All industry experts have been certified by us.
Find out more about our seal of approval here
Lion & Jonny,
Founders, VersicherungsEngel
Good questions deserve good answers.
The questions we hear most — answered in plain English.
Verification questions
Yes, it is mandatory in most federal states. Without it, you can be liable with your private assets in the event of damage — even for mistakes that you were not really responsible for.
Yes! It first checks whether the claim is justified. If not, it will fend off unjustified claims for you — even in court if necessary. The resulting legal costs are included in the insurance.
Professional liability insurance for doctors also covers damage that only becomes apparent after years — as long as you were already insured at the time of treatment.
That's no problem, because you can include several areas of activity in your tariff — regardless of whether it's your own practice, affiliated doctor or fee work. Your Insurance Angel will also advise you directly on this.
If you are unable to continue your practice due to illness or accident, it will cover fixed costs such as
- Raummierte
- salaries
- Leasing payments
- Software costs
- insurances
It depends on your plan. It usually pays between 6 and 24 months, depending on the chosen scope of protection. The amount refunded depends on your previous balance sheets and forecasts — but don't worry if you're unsure about this: Your insurance angel will also sort this out for you.
Practice failure insurance helps you with short or medium-term absences, e.g. following an accident or surgery.
Die Disability insurance Pay only when you dAlso no longer working as a doctor can.
Questions about D&O insurance
D&O insurance starts at roughly €500–€1,500 per year for smaller companies, and can run into five figures for larger organisations. However, the cost of your D&O insurance depends largely on the following factors:
- Company size & turnover: The bigger your company, the higher the risk.
- sector: In highly regulated or high-risk industries (such as finance or construction), you pay more on average.
- Coverage amount: The higher the insurance sum (e.g. 1 million vs. 10 million), the more expensive the policy.
- Number of insured persons: If your D&O not only insures you, but also other board members or managing directors, this also means higher costs.
- Individual risk assessment: Does your company have a history of lawsuits or claims?
The bottom line: the cost of D&O is always lower than the cost of personal liability.
Because a good D&O protects your private wealth and therefore also your future in an emergency, it is always worthwhile. However, our insurance angels will also find the best price for you on top.
Yes. Although GmbH stands for "Gesellschaft mit beschränkter Haftung" (limited liability company), that protection only applies to claims directed at the company itself — not to you personally as a director.
Your GmbH is sufficient as protection if...
- Your company causes damage, such as a product defect or a breach of contract.
- Customers or business partners assert claims against the GmbH, not against you as a person.
- As managing director, you have acted to the best of your knowledge and belief without breach of duty.
The GmbH does NOT protect you if...
- You are held personally liable for incorrect decisions, e.g. due to procrastination of insolvency, tax errors or gross negligence.
- Shareholders, authorities or investors sue you.
- you are accused of one or more of the breaches of duty mentioned above.
The insurance company may decide not to pay in the following cases:
1. If the damage resulted from a business decision made without any breach of duty.
Example: a CFO invests millions in a project without a risk analysis — despite warnings from the finance team. The insurer pays. But if a CFO makes a carefully considered strategic decision that fails due to unpredictable market conditions, the insurer does not pay.
2. When the board member acted intentionally — for example, in cases of fraud or deliberate violations of the law.
3. If the agreed coverage amount is not sufficient..
If a CEO is held liable for €10 million in damages but only has €5 million in coverage, the difference comes out of their personal assets.
In short: D&O protects you against negligent mistakes — provided your coverage is adequate. It does not cover intentional misconduct or policies that are too low. That's exactly why professional, personalised advice matters — which is what your Insurance Angel is there for.
Yes — D&O insurance typically remains valid for several years after you leave your position, provided the claim relates to a decision made during your time in office.
Yes — even in a voluntary capacity, you can face personal liability for wrong decisions. For example, if you sign contracts that cause financial harm to the organisation.
Beyond protecting you personally, a good D&O policy can also cover part or all of the actual damage caused by your mistake.
Example: Stefan, managing director of an engineering firm, invests €5 million in a new production line — without adequate due diligence. The equipment doesn't work and the company loses €3 million. Shareholders sue Stefan personally. His D&O policy covers his personal liability as well as a portion of the resulting business losses.
When recommending a policy, your Insurance Angel makes sure it covers not just you, but potential damage to the company as well.
Yes and no. A good D&O policy addresses reputational damage — but only indirectly.
D&O itself does not compensate for lost revenue or a damaged reputation. However, additional coverage options exist that cover crisis management costs, such as PR consultants, mediators, or reputation agencies — all of which help limit the damage.
General questions
We connect entrepreneurs, directors, and self-employed professionals with the right commercial insurance at competitive industry rates — plus a dedicated expert who genuinely takes care of everything.
Let's be honest: nobody gets excited about insurance. That's exactly why we make it as simple as possible. Three steps — covered within 24 hours if you need it that quickly.
Our service is 100% free for you — always. Like most brokers, we're paid by the insurers. But here's the important part: this doesn't make your policy more expensive. In fact, thanks to our specialised industry rates, you'll usually pay significantly less than going direct.
VersicherungsEngel is built exclusively for entrepreneurs, directors, and self-employed professionals — anyone who needs commercial coverage. Business insurance is far more complex than personal insurance, and the stakes are significantly higher.
Comparison portals aren't built for this. We are.
VersicherungsEngel is fully independent — we act exclusively in the interest of our clients, never on behalf of a single insurer. To ensure you always work with a reliable expert, every one of them carries our certification.
Every expert you're matched with through VersicherungsEngel holds our certification. That means:
- At least 8 years of experience in your industry
- Independently well-rated (4.3+ Google stars)
- Fast support and payout in a claim
- IHK-certified, plus additional industry qualifications
- Annual audit of advisory quality