German Insurance System

In Germany some types of insurance are mandatory: for example, health and vehicles insurance.The most important insurance for you to have in Germany is third-party private liability insurance. The essence of it is that the third party (insurance company) will be responsible for all losses you have caused in case of neglectful behaviour.Casual carelessness involves a variety of acts: breaking a glass in a cafĂ©, or provoking an accident when not taking traffic lights into account, or whatever else. If you have a pet, for example a dog or a horse, you have to insure them separately, so that in case they caused trouble you can receive a compensation from insurance company and pay out losses. Third-party private liability insurance ensures protection for people with different activities (like driving, sailing, etc.). However, it does not insure hunting, for which different insurance policies are needed.The duration of third-party private liability insurance is usually either three or five years. It should be noted that you cannot cancel your contract before the end of term. So it would be better to use an annual insurance, which can be prolonged or cancelled at the end of the year and leaves you with more space for choice.Another useful type of insurance is household insurance, which can compensate you for the loss or damage to your property. The term of property here includes nearly everything: household appliances, clothes, dishes, windows and so on and so forth. However, if there is someone else’s property located on the territory of your household, it has to be insured by its owner, not by you.The insurance policies are paid to you if your possessions were damaged as a result of water/ fire accidents, burglary, and hooliganism. You should remember that you have to inform your insurance company if you are leaving your home for more than sixty days.If you hire a flat or a house, you have to bear in mind that your household insurance will not compensate you for the damage of the flat or the house.If you possess expensive things, you can use complex insurance policies, which encompasses various types of damage.For cyclists in Germany insurance is almost mandatory, as the number of bicycle thefts is quite large. It is also useful to have such insurance if you have two or more bicycles. Some insurance policies may include bicycle insurance, but not all of them, sometimes you have to do it separately.Self-employed people must insure their working equipment by themselves, while usually this is done by an employer.
As in the previous case the duration of the household insurance is either three or five years and you cannot cancel your contract before it ends. So, again, it’s better to use an annual insurance in order the have a possibility to quit if you want.A very useful insurance for foreigners in Germany is legal assistance insurance. It frequently happens that foreigners face various situations (conflicts with employers, neighbors, road accidents, etc.), which are different from how they can be dealt with at their home countries. Legal assistance insurance compensates you for all court expenses. It should be noted that trials in Germany are expensive. All fees are to be paid beforehand. The amount of fees usually depends upon the disputed sum. For example, if it accounts for 10 000 euros, the fees can be up to even 9 000 euros. So, if you have the legal assistance insurance, the insurance company will pay out your expenses. Also, such insurance usually covers the loss of driving license, losses caused by conflicts with tax authorities, landlords, inheritance advices, etc. However, family issues are not included.You may also use insurance for death and disablement. People usually try to avoid even thinking about it, but it’s obvious that life is too unexpected to be careless about it. The amount of money paid to your family in case of your accidental death or life-threatening injury exceeds your annual income by five to six times.In case of injuries such as loss of a finger the compensation is equal to thirty per cent of your annual income, for the loss of a leg – fifty per cent, for total blindness – 100 per cent.You can also use term life insurance, as it provides your family with compensation after your death. The compensation is paid for any cause of death. The insurance itself is not expensive. In order to get it you have to provide the insurance company with your medical history.If you travel much, annual travel insurance will be quite useful. It provides you with complex insurance for each journey. You face no restrictions on where to travel, how and how many times. If your trip is supposed to take longer than forty-two days, you will have to inform your insurance company beforehand.The annual travel insurance will pay you back in case you need to finish your journey earlier than you have planned. If your trip costs you more than 500 euros, the insurance company can compensate the refuse to go on a trip, but such service is not common and is negotiated separately.It would be wise to buy the annual travel insurance which provides compensations for hospital treatment and emergency costs.Also, if you have lost your travel baggage (or it was stolen), the insurance company usually pays back the cost of your possessions.Insurance companies offer a very wide range of services. For more information it is better to contact them directly.

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Different Types of Entertainment


Before we look into different types of entertainment, first let’s define what entertainment is. Entertainment is any kind of activity that provides amusement for people in a passive way, other entertaining activities that involve participating are considered recreation or hobbies.

There are many types of entertainment for particular tastes, for example we have cinema, theatre, sports, games, social dance, concert, comedy shows, animations, impressionists, clowns and the list goes on and on.

These form of entertainment can than be divided into groups according to the age and interest of the people being entertained. For instance we have child , adult , live action , public and corporate entertainment. In this article we’ll give a brief explanation to some of these forms.

Child Entertainment

Kids need to be entertained and some times the entertainer or the entertainment agency needs to find a balance between mental and physical activities. Clowns, puppets, pantomimes and cartoons tend to appeal to children, though adult might find it enjoyable too.

Adult Entertainment

Adult Entertainment many times is related to the sex industry, but this form of entertainment can not be related only with the sex industry and its branches. Adult Entertainment involves things like music concerts, live sports, opera and a hand full of other activities that kids might not find so appealing.

Live Entertainment

This form of entertainment is broadened to all ages as there are a variety of activities that can labelled as live entertainment. For instance music concerts, live TV shows, live sports, theatres and any other activity that you could think of that is aimed to amuse people.

Public Entertainment

Nowadays probably one of the forms of entertainment that have grown the most, thanks to the economic downturn. When you walk around any major city around Europe you will notice a wide range of public entertainers working for any amount of money the public decides to give them. There are public entertainers of all sorts from mimes to Peruvian Flute bands all working with the uncertainty of how much money they will make, that is why they tend to be more common in major cities where there are more tourists.

Corporate Entertainment

Aimed for corporate events, private parties, award ceremonies, product launches and it is better organized by a professional entertainment agency as most of time these events involve hundreds maybe thousands of people and no one better than the professionals to take care of these form of entertainment.

With these we cover the major forms of entertainment n the following article I’ll explain in depth each one of them with more details and examples.


All You Need To Know About Entertainment Lawyers


The entertainment industry has been growing rapidly with time and great advancements have been made. Without entertainment, it is very difficult to enjoy your life. It is for this reason that, many devices and machines that provide entertainment have been invented. Now a days we get entertainment from cinemas, games, theatre, sports to social dances. Many legal issues have affected the entertainment industry positively or negatively and that is why the entertainment law was formed.

Entertainment law deals with the legal issues that are provided to professionals who work in the industry. It mainly deals with an area of law that entails all types of media from TV, film to internet and other legal fields connected to the industry. Therefore, any personnel joining the entertainment industry should be familiar with the law that governs him or her. Entertainment laws have been very important in the development of the industry. For instance, there are laws that help one to know what is permissible or not and that protect the interest of the media practitioner in trouble. The laws ensure that no one will take advantage of the entertainer regardless of their power or wealth. Entertainment law is put into practice by trained entertainment lawyers who also offer other benefits to media practitioners. Through the law, they will negotiate contracts on behalf of the artist and ensure that everything operates according to the contract.

The entertainment industry is made up of an assortment of legal issues, it is thus essential to hire an entertainment or trademark lawyer. However, when you are out there looking for your entertainment lawyers, you should go for the best in the market. Hiring an entertainment lawyer is not an easy task; it can be very daunting and challenging especially if you do not know where to start. There are certain tips you should know when hiring an entertainment lawyer. First and foremost, you should clearly understand your reason for hiring this lawyer from the many possible reasons why you might need this lawyer. For instance, you can hire one to negotiate a deal or to deal with entertainment property or to protect you against violations.

Before you hire your trademark lawyer you should consider their experience and other testimonials. When looking for your lawyer, you should go for an expert who has been in the industry for long time and has been able to fulfill the needs and requirements of the clients. He should also be a well-trained personnel who is also licensed to operate in the industry. You should also not forget to look at a sample of work he has done before. It is advisable that you visit more than one lawyer and come up with a list of the best so that you can be able to make informed decisions. That is why referrals from friends and acquaintances will help in your search.

Finally, you should not forget to look at the charge rates of the entertainment lawyer you want you hire. It is important to go for a professional who offers services at affordable prices and still are more than willing to deliver the best results. When you need help you need someone who is reliable and dependable.