Liability Insurance for Au Pairs in Germany
No Au Pair is immune to everyday accidents. Small mistakes can quickly lead to damage that results in significant costs for host families and Au Pairs alike. Liability insurance for Au Pairs provides financial protection when personal injury, property damage, or financial loss is caused unintentionally during Au Pair duties.
In Germany, Klemmer and Dr. Walter are among the most well known insurance providers for Au Pairs. This article explains what Au Pair liability insurance covers, where its limitations lie, and how the two providers compare.
What Is Liability Insurance for Au Pairs?
Liability insurance for Au Pairs protects the Au Pair from financial consequences if they unintentionally cause damage while carrying out their duties for the host family. Coverage applies only to negligent actions that occur in connection with Au Pair responsibilities, such as childcare or household related tasks.
In most cases, the insurance pays justified compensation claims and covers legal defense costs if a claim is disputed.
What Does Au Pair Liability Insurance Cover?
Au Pair liability insurance generally covers the following types of damage:
Personal Injury
Injuries caused to another person, for example if a child is hurt during play.
Property Damage
Damage to third party property, such as a broken window or damaged belongings.
Financial Loss
Financial losses resulting from personal injury or property damage.
It is important to understand that not all everyday incidents are covered. Many common types of damage are explicitly excluded from Au Pair liability insurance policies.
Au Pair Liability Insurance by Klemmer
Klemmer is one of the leading providers of Au Pair insurance in Germany. Liability insurance is offered as part of a combined package with health insurance.
Coverage Overview
• Coverage limit: depending on the plan, between EUR 1.0 million and EUR 2.6 million
• Deportation cost insurance: between EUR 1,600 and EUR 6,000 if a German authority orders deportation
• Loss of house or apartment keys: up to EUR 500 in the Premium Plus plan for replacing locks or locking systems
• Claims handling: straightforward claims reporting and fast processing
What Is Not Covered by Klemmer
• Damage to movable household items belonging to the host family or rental property
• Damage related to the use of motor vehicles
• Damage caused by wear, tear, or excessive use
• Damage to heating systems, machinery, boilers, water heating systems, or electrical and gas appliances
Damage to immovable property of the host family is covered with a deductible of EUR 250.
Au Pair Liability Insurance by Dr. Walter
Dr. Walter is another well established insurance provider specializing in Au Pair coverage in Germany. Liability insurance is also included in a combined insurance package.
Coverage Overview
• Coverage limit: up to EUR 10 million for third party damage
• Deportation cost insurance: between EUR 1,600 and EUR 6,000 depending on the plan
• Loss of house or apartment keys: up to EUR 500 in the L plan
• Claims handling: fast and structured claims settlement
Dr. Walter also provides a short explanatory video that outlines the key aspects of Au Pair liability insurance.
Comparison: Klemmer vs. Dr. Walter Au Pair Liability Insurance
Both providers offer solid protection against serious but less frequent types of damage. The main differences lie in coverage limits and plan specific details.
• Dr. Walter offers a significantly higher maximum coverage limit
• Key loss coverage is available with both providers only in selected plans
• Common exclusions such as electronics, vehicle damage, and movable household items apply to both policies
Host families seeking higher financial protection may prefer the higher coverage limits offered by Dr. Walter.
Conclusion: Is Liability Insurance for Au Pairs Sufficient?
Liability insurance for Au Pairs provides important protection against major but relatively rare incidents such as personal injury or substantial property damage. However, many common everyday damages, including damage to electronics, furniture, or the host family’s car, are usually not covered.
Since Au Pairs typically do not have the financial means to cover costly damages themselves, host families often bear the financial risk in such cases. Additional insurance, such as electronics insurance, may therefore be advisable to reduce overall risk.
Liability insurance is essential, but it does not replace comprehensive household insurance coverage.
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