How much does an insurance clerk earn?
Insurance clerks advise customers on cover and provision, arrange policies and support claims – at insurers, agencies, brokers or in back-office roles. Typical tasks include needs analysis, offers and closing, policy administration and claims intake and handling; the dual apprenticeship (today often Kaufmann/-frau für Versicherungen und Finanzanlagen) usually takes three years. Gross pay depends on region, collective agreements, sales channel, specialisation and experience. As a guide, qualified professionals in Germany in 2026 often earn about €3,250–€3,900 gross per month; during apprenticeship typical ranges are around €1,000–€1,330.
Salary by region (gross/month)
Guide figures as of 2026. The apprenticeship column means the dual training as insurance clerk / Kaufmann/-frau für Versicherungen und Finanzanlagen; qualified means working professionals. Actual pay depends on collective agreements, employer, region, sales channel, commissions, specialisation and experience and is not a guarantee.
Further training options
Job and everyday work
An insurance clerk combines advice, policy work and service: clarifying customer needs, explaining suitable products, processing applications and policy changes, and supporting claims. Everyday work includes phone and appointments, specialist systems, coordination with back office and partners, and documentation – often with advisory and service targets and high demands on care, confidentiality and clear communication.
- Advise customers on personal, property and pension insurance and identify cover needs.
- Prepare offers, check applications and process policies and policy changes in administration systems.
- Take claims reports, request documents, record cases and coordinate with claims teams or partners.
- Clarify premium and benefit questions, handle complaints and close service processes on time.
- Keep product knowledge, compliance and data protection up to date and document advisory talks clearly.
- Work with agencies, brokers, back office and specialist departments and mentor apprentices when needed.
