Which insurance do I need as a teacher?

As a teacher, you bear a great deal of responsibility for your pupils and for the teaching process. Alongside your professional work, it's important to protect yourself personally as well, so that possible risks are covered. Here is a checklist of the recommended insurance policies for teachers:

Insurance you should know about:

1. Official liability insurance (Diensthaftpflichtversicherung):

Official liability insurance protects you against the financial consequences of liability claims that could arise in the course of your professional work as a teacher.

2. Legal expenses insurance:

Legal expenses insurance provides support in legal disputes, whether in your professional or private life, e.g. in disputes with parents or authorities.

3. Health insurance:

Health insurance is essential to ensure comprehensive medical care if you fall ill.

4. Occupational disability insurance:

Occupational disability insurance provides financial protection if you are permanently unable to work as a teacher due to illness or an accident.

5. Private liability insurance:

Private liability insurance protects you against the financial consequences if you accidentally cause damage to third parties in your private life.

6. Accident insurance:

Accident insurance provides financial protection in the event of accidents, whether at school or in your free time.

7. Household contents insurance:

Household contents insurance protects your personal belongings and furniture at home against damage caused by burglary, fire or water damage.

8. Liability insurance for voluntary work:

If you do voluntary work in clubs or other organisations, liability insurance for volunteers is advisable to protect you against liability claims.

9. Retirement provision:

Plan ahead early for your financial future and make private retirement provision so that you're well covered in retirement.

10. Private accident pension:

A private accident pension gives you additional protection in case an accident leaves you permanently impaired and you can therefore no longer carry out your professional work to the full extent.

This checklist gives you an overview of important insurance policies that are recommended for teachers. Every teacher has individual needs, so it's advisable to discuss your personal insurance needs with an insurance adviser. That way, you can comprehensively protect yourself and your future and carry out your professional work with peace of mind.

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