German insurers urge early disability planning and new liability solutions for families and SMEs

Insurance experts in Germany highlight the growing need for early financial protection. Alexander Schrehardt of AssekuranZoom argues that rising health risks, higher obesity rates and increasing mental‑health issues make it harder for young people to obtain occupational disability insurance later in life, and recommends that advisors incorporate coverage discussions already in childhood.

At the same time, the German Mittelstand faces expanded liability challenges from stricter EU product‑liability rules, emerging technologies such as AI and robotics, and complex supply‑chain risks. To address this, Allianz has launched a redesigned MidCorp liability programme, offering modular coverage options – Comfort, Premium and Individual – and additional services like recall‑cost insurance and specialised claims management. Both pieces underscore a broader trend: insurers are adapting products and advisory approaches to meet evolving risk landscapes for consumers and small‑to‑medium enterprises in Germany.