Hamburg Chamber of Commerce, Service Center

Apply for exemption from the licensing requirement as an insurance intermediary.

Do you only want to broker insurance as a supplement to goods or services? Then you can apply for an exemption from the licensing requirement at the relevant Chamber of Industry and Commerce (IHK). Find out more here.

Detailed description

Generally, you need a license to work as a self-employed insurance agent. However, as a so-called product-related insurance agent, you can be exempted from this licensing requirement. To do so, you must submit an application to your local Chamber of Industry and Commerce (IHK).



You are considered an ancillary insurance intermediary if, in addition to your main business, you also broker insurance policies that complement the product. This means that the risk for which you broker insurance must arise directly from the product or service.


Example of such product-complementary insurance brokerage:

  • Arranging car insurance in connection with a car sale.
  • The arrangement of a life insurance policy as security when concluding a loan agreement.
  • The arrangement of transport insurance in connection with delivery services.

You must also register with the insurance intermediary register. You can submit the application at the same time as your application for a license to broker insurance.

 

Information

Prerequisites

  • They only broker the insurance as a supplement to other products or services.
  • You can find the exact requirements in the online offer of the responsible Chamber of Industry and Commerce (IHK).

Documents required

You can obtain all necessary documents from your local Chamber of Industry and Commerce (IHK) and their website.

Please note

No.

Deadlines

No.

Procedure

You can request permission in writing and by email.

  • You download the application form from the relevant Chamber of Industry and Commerce (IHK).
  • You fill out the application form.
  • You send the application with the required documents to the responsible authority.
  • Your documents will be reviewed.
  • You will receive permission and, if you have applied for this, will be entered in the insurance intermediary register.

Your local Chamber of Industry and Commerce (IHK) usually also offers an online procedure.

Processing time

The processing time can take up to several weeks.

Fees

There are costs involved. You can find out the exact amount from the Chamber of Industry and Commerce (IHK).

Legal remedies


  • Contradiction

  • Administrative court proceedings

Legal basis

Designation: § 34d paragraph 6 trade regulations (GewO)


URL: https://www.gesetze-im-internet.de/gewo/__34d.html

Links on the Internet

Address and contact information

Hamburg Chamber of Commerce, Service Center

Mon-Thu 9 a.m.-4 p.m., Fri 10 a.m.-3 p.m. (by phone: Mon-Fri 9 a.m.-2 p.m.).

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Last updated: 07.08.2026