Services

of the municipal administration Konz

Apply for an insurance intermediary license

Please pay particular attention to our information under:

  • service description

    You are an insurance intermediary if you are:

    • insurance agent or
    • insurance brokers operate.

    You need permission from your local chamber of commerce for this. In addition to obtaining permission, you must also be entered in the register of insurance brokers. With the application for a permit, you can also submit an application for entry in the register of intermediaries.

    As an insurance agent:

    • broker insurance contracts for one or more insurers on a commercial basis and
    • as its administrator, you are on the side of the insurance company on the basis of a representative contract.

    As an insurance broker:

    • broker insurance contracts independently on behalf of customers and
    • are on the side of the customer as their interests.

    Special features for foreign nationals:

    If you are a foreign national and have an establishment in another member state of the European Union (EU), you must register in that country. You do not need a permit in Germany, nor can you be entered in the German register of insurance brokers.

    The same regulations apply to foreign nationals from non-EU countries as to German nationals. These also apply to EU nationals who register a trade in Germany only.

    Special information for - Verbandsgemeinde Konz

    In the area of the Konz association of municipalities, the issuance of a permit is IHK Trier responsible.

  • procedure

    You can apply for permission to work as an insurance intermediary in writing:

    • Download the application form from the website of your local IHK. Fill this out completely.
    • Then send it with the required documents to your responsible IHK.
    • As soon as you have provided all the information and the documents are complete, the IHK will make a decision on your application.
    • After a positive check, you will receive permission and, if necessary, be entered in the register of insurance brokers.
    • The permission granted is valid indefinitely. It ends only when you renounce it. Under certain conditions, the IHK can revoke or withdraw the permit and have you deleted from the register of intermediaries.

    Note: As a rule, your local Chamber of Industry and Commerce also offers an online procedure.
     

  • requirements

    • They have the reliability required for commercial operations. You are not considered reliable if you have been convicted of one of the following violations in the last 5 years:
      • crime
      • theft
      • embezzlement
      • blackmail
      • Scam
      • infidelity
      • money laundering
      • forgery
      • receiving stolen goods
      • usury
      • Bankruptcy Offenses
    • They live in orderly financial circumstances. You do not meet this requirement if:
      • opened insolvency proceedings over your assets or
      • was rejected for lack of mass or
      • You are entered in the register of debtors.
    • You have the required expertise. Evidence of the required expertise is possible through:
      • a proficiency test before the Chamber of Industry and Commerce or
      • through equivalent training qualifications and possibly corresponding professional experience.
    • You have taken out professional liability insurance. Currently, a minimum coverage amount of:
      • EUR 1,276,000 for each insured event and
      • EUR 1,919,000 for all insured events in one year.
         

  • What documents are required?

    • Copy of your valid identity card or passport
    • for proof of the corporate legal form:
      • for company headquarters in Germany:
        • Excerpt from the commercial register or the partnership register for companies entered in a register, otherwise
        • a copy of the articles of association
      • if the company is based abroad: documents from the country of domicile that prove the legal form
    • for proof of personal reliability:
      • if you live in Germany:
        • Certificate of good conduct (document type O) and
        • Excerpt from the commercial register
      • If you live abroad: Corresponding documents from your home country that prove your personal reliability
    • for proof of orderly financial circumstances:
      • if you live in Germany:
        • Excerpt from the list of debtors
        • Certificate of the bankruptcy court
        • Certificate from the tax office in tax matters
      • If you live abroad: Corresponding documents from your home country that prove your orderly financial situation
    • Proof of expertise from the Chamber of Industry and Commerce on the existing necessary knowledge and legal regulations of the insurance industry
    • Proof from an insurance company that you have professional liability insurance for the insurance industry

    For legal entities, you only need to fill out the application form for the legal entity itself. You must submit all personal documents for all persons authorized to manage the company. For the legal entity you also need an excerpt from the central trade register.

    Partnerships are not permitted as such. Therefore, every managing partner needs permission. You must submit a completed application form and all personal documents for each of these persons.

    Attention: Your IHK can request additional documents to check your personal reliability. Some of the documents submitted may not exceed an expiration period at the time of the decision (not just at the time of submission). Inquire about this at your IHK.
     

  • What fees apply?

    • The fees for the licensing procedure for insurance intermediaries and registration in the insurance intermediary register vary depending on the IHK.

    Note: You may also incur costs if you request documents that you must present during the procedure.

  • legal basis


Relevant departments

Responsible employees