Deduct accident insurance as business expenses

Tax-privileged private insurance contributions, whether for a Health insurance, Occupational disability, Liability- or also Accident insurance, you can generally state as special expenses in your tax return. However, since you can quickly reach the applicable maximum amount, the Deductibility as income-related expenses, it is often an additional way to save taxes.

Contributions to accident insurance as business expenses

• Whether and to what extent you can deduct the premiums for accident insurance in your tax return as income-related expenses depends on which accidents are insured with it.
• Do you have a insurance only closed for occupational accidents including journeys to and from the workplace, you can include 100% of the contributions including insurance tax as income-related expenses bring.
• If, on the other hand, only private accidents that happen to you or your relatives are to be insured
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  costs not deductible as business expenses. You then only have the option of claiming the contributions as special expenses.

Mixed professional and private accident insurance

• The most common case is that accident insurance covers both professional and private accidents.


Which insurance can I deduct from my tax? - Interesting facts about occupational disability insurance

The answer to the question of which insurance can be deducted from tax ...

• If you have taken out such a comprehensive insurance policy, you can post the contributions proportionately under income-related expenses and special expenses. Unless you can give an exact estimate of the percentage based on concrete evidence of the insured risk are attributable to the professional and private environment, you can simply reduce 50% go out.
• Then divide both the premium and the insurance tax by two and put one half under income-related expenses and the other half under special expenses.