Your English-Speaking Insurance Broker in Berlin

Navigating German insurance is confusing enough — doing it in a foreign language shouldn't be necessary. We help English-speaking expats find the right coverage, compare 200+ insurers, and handle claims. All in English, all for free.

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✓ Free consultation
✓ 200+ insurers compared
✓ Claims support in English
✓ IHK registered (§34d)
★★★★★ 5.0 · 42 Google reviews
★★★★★
5.0
Google Rating · 42 Reviews
Why Expats Choose Us

Insurance Advice That Actually Makes Sense

We understand the challenges of settling in Germany. Our entire service is designed around making insurance simple for international residents.

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Independent Advice

We work for you, not the insurance companies. We compare 200+ insurers to find your best option — no bias, no pressure.

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English-Speaking

From consultation to claims, everything in English. No more guessing what your policy says or struggling with German paperwork.

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All Insurances

Health, liability, disability, life, home, business — we cover the full range. One advisor for all your insurance needs in Germany.

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Claims Support

When something goes wrong, we fight for you. We handle the entire claims process and negotiate with insurers on your behalf.

How It Works

Insurance Made Simple

Three steps to getting the right coverage in Germany — no stress, no hidden costs.

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Free Consultation

Tell us about your situation. We'll understand your needs, answer your questions, and explain how German insurance works — all in plain English.

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We Compare 200+ Insurers

We search the entire market, not just one company. You get a clear comparison of the best options tailored to your specific situation.

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You Choose

No pressure, no pushy sales tactics. You pick the policy that fits. We handle all the paperwork and set everything up for you.

Our Services

What We Cover

Every type of insurance you might need in Germany — explained clearly, compared thoroughly.

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Health Insurance

Public (GKV) or private (PKV)? We explain the German system in plain English and help you choose the right option for your situation.

Learn more → ⚖️

Liability Insurance

Considered essential in Germany. Protects you from potentially devastating personal liability claims. Starts at just €5/month.

Learn more → 🛡️

Disability Insurance

If you can't work due to illness or injury, this replaces your income. Critical for anyone relying on their salary in Germany.

Learn more → ❤️

Life Insurance

Financial protection for your family if the worst happens. We compare term life policies from Germany's top insurers.

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Home & Contents

Whether renting or owning, protect your home and belongings. We cover building insurance, contents, and household policies.

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Business Insurance

Starting a business in Germany? We help freelancers, startups, and established companies with professional liability, D&O, and more.

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About Us

Your Independent Broker in Berlin

I'm Sven Günther Chalupa, an independent insurance broker and investment advisor based in Berlin. After years of watching expats struggle with the German insurance system, I built a team that makes professional advice accessible in English.

Our team of 10 licensed brokers — all registered under §34d GewO with the IHK — works exclusively in your interest. We're not tied to any insurance company, which means we compare the entire market to find your best option.

Fun fact: I was a contestant on "Wer wird Millionär?" (Germany's "Who Wants to Be a Millionaire?") twice — so I know a thing or two about making good decisions under pressure!

10 Licensed Brokers
200+ Insurers Compared
5.0★ Google Rating
40 Reviews
Sven Chalupa — Independent Insurance Broker & Investment Advisor Berlin

Sven Chalupa

Independent Insurance Broker & Investment Advisor
✓ Sven Chalupa
✓ IHK Registration: D-OWVA-2EQX5-48 (§34d GewO)
✓ Office: Hennigsdorfer Str. 15a, 13503 Berlin (Tegel)
✓ Office: Alexanderstraße 3, 10178 Berlin (Alexanderplatz)
✓ Team of 10 licensed insurance brokers
✓ Full English-language service
Why Clients Choose Us

Trusted by Expats Across Berlin

Real reasons clients choose us — verified by 42 Google reviews.

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5.0 ★ Google Rating

40 Verified Reviews

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Independent

200+ Insurers Compared

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Full English Support

Consultation to Claims

See what 40 clients say on Google →
FAQ

Questions Expats Ask Us

The most common questions we hear from English-speaking newcomers to Germany.

While not legally required, liability insurance (Privathaftpflichtversicherung) is considered essential in Germany. German law holds individuals personally liable for damages they cause, with no upper limit. A single accident could cost tens of thousands of euros. Most Germans have it, and it costs only about €5–15 per month. It's one of the first policies every expat should get.
It depends on your income, age, and health needs. Public health insurance (GKV) is mandatory for employees earning below €77,400/year (2026 threshold). Private insurance (PKV) is available to those earning above this threshold, self-employed individuals, and civil servants. PKV can offer faster access to specialists and more choices, but premiums are age-dependent and based on your health. We help you compare both options in a free consultation.
Yes! This is one of the biggest advantages of working with an independent broker. When you need to file a claim, we handle the entire process for you — from submitting paperwork to negotiating with the insurer. We work for you, not the insurance company, so we fight to get you the best possible outcome.
Yes, absolutely. As an independent insurance broker, our consultation is free for you. We are compensated through commissions paid by the insurance companies — not by you. You get professional, unbiased advice at no cost, with no obligations.
An insurance agent (Versicherungsvertreter) works for one specific insurance company and can only sell that company's products. An independent broker (Versicherungsmakler) works for YOU and can compare offers from 200+ insurers. This means real choice, objective advice, and better chances of finding the perfect policy for your situation.
Yes! Our entire team speaks English fluently. We understand that navigating the German insurance system in a foreign language is stressful — that's exactly why we're here. From consultation to claims, everything can be handled in English.
Yes, we can. Switching from public (GKV) to private health insurance (PKV) is possible if you earn above the annual income threshold (€77,400 in 2026) or are self-employed. We analyze whether switching makes financial sense for you, compare PKV offers from multiple insurers, and handle the entire switching process. Important: switching back to public insurance is very difficult, so we make sure you understand all implications first.
Typically you'll need: your passport or ID, residence registration (Anmeldebestätigung), proof of income (salary slips or tax returns), and your tax ID (Steuer-ID). For health insurance, you may also need your previous insurance history. Don't worry — we guide you through every step and tell you exactly what's needed for each type of insurance.
Get In Touch

Book Your Free Consultation

Ready to get your insurance sorted? Fill out the form or give us a call — we'll get back to you within 24 hours.

Let's Talk

Whether you just arrived in Berlin or have been here for years, we're here to help. No question is too basic, no situation too complex. Your first consultation is always free.

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Mon–Fri 6:00 – 20:00
Saturday 9:00 – 14:00
Sunday closed · WhatsApp anytime
✉️ s_chalupa@taures.de
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Hennigsdorfer Str. 15a, 13503 Berlin (Tegel)
Alexanderstraße 3, 10178 Berlin (Alexanderplatz)
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WhatsApp — Quick questions welcome
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Video consultations available
📅 Book Online → — Schedule a video consultation instantly

About the author: Sven Chalupa is a licensed insurance broker (Versicherungsmakler) registered with the IHK Berlin (Reg. D-OWVA-2EQX5-48). He provides independent advice to expats and locals in Berlin, comparing 200+ insurance partners. Last updated: May 2026. This content is for informational purposes and does not constitute legal or tax advice.