Apply for an insurance broker license (Section 34d of the Trade Regulation Act)
Business license for the independent brokerage of insurance contracts as an insurance broker or agent.
How to proceed
- 1
Demonstrate expertise
Final examination to become an insurance agent or the IHK certification exam.
- 2
Application for a permit with the Department of Business and Industry
Including a certificate of good conduct, proof of financial standing, and professional liability insurance.
- 3
Obtaining a license and registration in the broker registry
Registration in the DIHK Broker Registry is also required.
Responsible authority
The authority of your main place of residence is responsible.Find authority →
Fees
Varies by case
Processing time
approx. 1 months
Official: max. approx. 1 months
Online application
In person or by post
Common mistakes
- • Professional liability insurance (min. €1,300,380) not in place
- • Forgot to register in the Broker Registry (DIHK)
Common reasons for rejection
- • Lack of orderly financial affairs
- • No proof of expertise
You can usually file an objection against a rejection.
The essentials before applying
Who is eligible?
Individuals who wish to act as commercial brokers for insurance products (brokers, multi-line agents).
Income limit
The limit varies by household and region – see the table at the responsible authority or in the application assistant.
Processing time
Nationwide: approx. approx. 1 months
Success rate
approx. 80.0 % (estimate)
Most common mistakes
- •Professional liability insurance (min. €1,300,380) not in place
- •Forgot to register in the Broker Registry (DIHK)
Common reasons for rejection
- •Lack of orderly financial affairs
- •No proof of expertise
Alternatives
- Check related services in the application assistant
- Use social counselling before applying
If rejected
File a written objection within 30 days – with reasons why the decision is wrong and any missing evidence.