Nearly 85% of Germans have private liability insurance. Let’s take a look at why private liability insurance for expats in Germany is a must have for any foreigner living in this country.     ‘Shit happens‘ may be a globally accepted phenomenon. When something goes wrong, people in most cultures just shrug and chalk it up to an oops moment. In Germany, however, there is no such thing as a mistake – only absolute personal responsibility (even if you are a doggo or a youngling). 😉     You see, Germans tend to be very risk-averse. They feel more at ease when they’re cosily insured against some super bizarro misfortunes of…