AKA how not to go broke as a business owner or freelancer in Germany. ;) Here are some of my top recommendations for staying one step ahead of natural calamities, freak accidents, non-paying clients or sudden sickness. And ensure that you can live a safe, and secure emotional and financial life in a foreign country. Some may call them necessary evil - but these essential insurances for freelancers in Germany can really keep you afloat in times of crisis.