Who We Are: Sebastian Krüger, Independent Insurance Broker in Berlin
My name is Sebastian Krüger, and I am your personal insurance broker for a life between countries – whether you work as a freelancer abroad, come to Germany as a professional or plan to emigrate.
The basic question almost everyone brings is the same: how do I get cover that actually fits my situation – and not that of an employee with a fixed residence in Germany?
Independence and expertise
As an independent insurance broker based in Berlin but reachable worldwide, I bring more than 30 years of experience in insurance, finance and event cover. Havel Spree Finanz has existed since 1996, and the brokerage has been independent since 2012.
My specialisation is people with an international connection – foreigners in Germany and Germans abroad. That is not a side segment but the core of the work: this is precisely where standard solutions fail, because residence, social insurance status and immigration law interlock.
As a broker under §§ 93 ff. of the German Commercial Code, I work on behalf of my clients, not on behalf of an insurer. For the network and memberships see partners and networks.
Comprehensive support, tailored to your needs
Support is personal and fully digital: video call, phone or WhatsApp – whichever is practical in your time zone. I take the time to understand your situation and your goals before we talk about plans.
Personal contact matters to me precisely because, in an emergency, there is usually nobody on the ground to ask. Advice is available in German and English.
Facing the future with confidence
Whether you are new abroad, have lived there for a while or are planning the move: the aim is that you can concentrate on your family, your projects and your professional goals – not on policy wordings.
How I came to this focus and what connects me to it personally is described at why Spreefinanz. Our self-understanding is set out at mission and vision, and our position on sustainability at sustainability preferences.
Contact
Havel Spree Finanz – Sebastian Krüger
Dolziger Strasse 51, 10247 Berlin, Germany
Phone: +49 151 28937141 · Email: buero@spreefinanz.de
The fastest way to reach me is on WhatsApp or via the contact form. Legal details are in the imprint.
Frequently asked questions about us
Will I be advised in English?
Yes. Advice, documents and support in a claim are available in German and English. Many of the international providers we broker also make their contract documents and customer service available in English.
Do I have to come to Berlin for a consultation?
No. Support is fully digital – by video call, phone or WhatsApp. A large share of our clients live permanently outside Germany and have never been to the office.
What does the consultation cost?
The consultation is free for you. We are remunerated by commissions from the insurance companies as part of the brokerage, and the premiums are the same as if you signed up directly. Details are in our initial information.
What does independent broker mean?
As an insurance broker under §§ 93 ff. of the German Commercial Code, I work on behalf of my clients and not on behalf of an insurance company. There are no sales targets for individual providers, so a recommendation has to be justified on the merits.
Which topics do you specialise in?
Cover with an international dimension: international health insurance, liability with worldwide validity, legal protection for expats, accident insurance, and retirement planning and reserves across borders.
Let's talk about your situation. Book a free initial consultation or start the insurance check.
Take the next step towards security
Verlass dich nicht auf halbe Lösungen. Dein Leben und deine Ziele verdienen die beste Absicherung. Lass uns gemeinsam herausfinden, wie du dich rundum geschützt fühlen kannst.
Career
07/2013
Kfm. Geschäftsführer SpreeDesign Metal & Holzmanufaktur UG
05/2012
Gründung der Havel-Spree Finanz als selbstständiger Makler
05/2012
Geschäftsführer der 4. LiF GmbH & Co. Prozesskostenfonds KG
03/2012
Vorstand des Vereins “Schutzgemeinschaft Schmerzensgeld e.V.”
09/2011
Geschäftsführer der Advo Blitz 4 GmbH (später 4 LiF Company GmbH)
06/2011
Gründung von "Havel-Spree Handelskontor GmbH“
05/2009
Gründung des Vereins „Schutzverein für Rechte von Investoren e.V.“
10/2008
Gründung von "JS JuraSwiss GmbH"
03/2003
Projektmanager bei Juragend AG
03/2003
Projektmanager bei DOMICURA AG
04/2001
Gründung von "Havel-Spree Assekuranz Kontor GmbH"
11/2000
Projektmanager bei CCL Group AG
09/2000
Gründung der "Financial Service Ltd."
08/1999
Gründung von "Krüger Assekuranz Kontor GmbH"
03/1997
Gründung von "Assekare Necesse Est"
1996 - 1997
Praktikas bei verschiedenen Versicherungsunternehmen
1994 - 1996
Militärdienst bei der Marine ("FGS Mölders")
Why SpreeFinanz?
More than 30 years of experience, based in Berlin, reachable worldwide – with a clear focus on people for whom standard solutions do not work.
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We are quickly
reachableVia WhatsApp, video call or phone – across time zones, because abroad there is rarely anyone on the ground to ask.
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We work
transparentlyIndependent under §§ 93 ff. HGB, with disclosed remuneration and a recommendation that can be justified.
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We think
situation-basedResidence, social insurance status and immigration law interlock. We clarify the situation first, then the plan.
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We stay with you
after signingOn a move, a change of status or in a claim, we remain your fixed point of contact.
