Personal liability insurance covers you in your day-to-day life as a private individual.
It generally doesn't cover work or business pursuits but can cover you as a part-time freelancer in some specific activities.
Covered part-time freelance activities
Alteration tailoring, embroidery,
Call center activity in the advertising sector,
Data and text entry,
Tutoring, painting, handicrafts and needlework courses and handicraft courses;
Giving fitness lessons/sports classes - e.g. pilates and yoga
Flea market and bazaar sales,
Photographer;
Hairdresser;
Guest/guided tours;
Sales of cosmetics, candles, jewelry, cleaning items, dishes, cooking utensils and lingerie;
Creation and distribution of handicrafts/gift items.
Survey/call centre activities for market and opinion research institutes;
Participation in carnival events;
Music teacher;
Distribution of magazines and advertising brochures;
What are the conditions?
For as long as you didn't earn more than 15,000 EUR gross last tax year from the freelance activity and you won't earn more than this sum this current tax year.
You don't have any employees working for you.
For fitness lessons including yoga, and pilates, you're only covered while working from home. If you give lessons in a commercial space like a gym, you'll need commercial liability insurance (Gewerbehaftpflichtversicherung).
If you make your own products, the policy doesn't cover product liability risks or any risks from manufacturing.
If you're a full-time freelancer and don't do one of the activities listed, you'll need professional liability insurance or berufshaftpflichtversicherung to ensure that you're adequately covered.