International programmes · Local policies
Your German policy stops at the border. Your risk doesn't.
Many countries prohibit non-admitted insurance: local risks must be insured by locally licensed carriers. We structure international programmes — a master cover in Germany plus admitted local policies for your subsidiaries — coordinated by one contact in Munich.
Discuss your structureWhy "worldwide cover" is often worthless abroad
A German master policy may claim worldwide scope — but in non-admitted countries (Brazil, India, China, Switzerland and many more) the insurer is legally barred from covering the local risk or paying claims there. The consequences: unpaid claims, premium-tax exposure and penalties for the local entity, and certificates that local authorities, landlords and customers won't accept.
How a compliant programme works
Admitted local policies are issued in each country through the insurer's network. Above them, a master cover in Germany harmonises the programme through DIC/DIL clauses (differences in conditions / differences in limits) — so every subsidiary enjoys the group's protection standard while staying locally compliant.
We run the compliance check per country and line, tender the programme with internationally networked insurers, and coordinate renewals, certificates and claims centrally from Munich.
Local compliance
Non-admitted rules and insurance premium tax handled correctly in every country.
One point of contact
Munich-based coordination in German or English — no chasing brokers across time zones.
Uniform protection
DIC/DIL master cover closes the gaps local markets leave open.
Right-sized for the Mittelstand
Lean solutions from the first foreign sales office — no corporate overhead.
Where is your next subsidiary?
Tell us about your group structure — we'll give you an honest assessment of where action is needed. Free of charge.