Insurance occupiers in Berlin typically cluster in Charlottenburg & Westend, plan ~220 sqft per seat at high-end fit-out ($135–200/sqft), and pay around 44 EUR/sqft ($53 USD) on Class A.

• Preferred submarket: Charlottenburg & Westend.
• Typical fit-out spec: High-end ($135–200/sqft).
• Plan ~220 sqft per seat for headcount sizing.
• Class A rent context: 44 EUR/sqft ($53 USD).
• Typical lease: 5 years with 4 months rent-free.
• Talent depth in Berlin: 88/100.

TL;DR

• Preferred submarket: Charlottenburg & Westend.
• Typical fit-out spec: High-end ($135–200/sqft).
• Plan ~220 sqft per seat for headcount sizing.
• Class A rent context: 44 EUR/sqft ($53 USD).
• Typical lease: 5 years with 4 months rent-free.
• Talent depth in Berlin: 88/100.

Where they cluster

Insurance occupiers in Berlin typically anchor in Charlottenburg & Westend. Banking, law, professional services, retail HQs.

What they pay

Class A rent in Berlin runs 44 EUR/sqft ($53 USD) on a 5-year lease with 4 months free. Prime submarkets sit at or modestly above the city index.

Spec and fit-out

Typical insurance fit-out targets high-end specification at $135–200/sqft. Branded reception, full client-facing programming, premium furniture, and specialist AV are standard.

Headcount sizing

Plan around 220 sqft per seat blended (workstation + circulation + amenity). A 100-headcount insurance office in Berlin typically targets 22,000 sqft of leasable area.

Talent angle

Underwriting and actuarial talent concentrates near broker districts; long lease durations and conservative escalator structures are typical. Deepest tech and creative talent pool in Germany. Strong feed from TU Berlin, HU, FU, and the rapidly growing Hertie School. Multilingual talent base supports non-German European HQs.

Tax and lease context

Headline corporate tax: 30%. Net leases dominate. 5-10 year terms; tenants frequently negotiate break options at year 3 or 5. Free rent of 3-6 months on a 5-year deal; TI of €60-€100/sqm typical.

Key facts

Frequently asked questions

Where do insurance occupiers lease office space in Berlin?

Most cluster in Charlottenburg & Westend. Rent runs ~44 EUR/sqft ($53 USD) for trophy and prime stock.

What fit-out spec do insurance occupiers run in Berlin?

Typically high-end at $135–200/sqft.

How much office space per seat should a insurance occupier plan in Berlin?

Plan ~220 sqft per seat blended. A 100-person team typically takes 22,000 sqft.

What NAICS codes describe the insurance vertical?

Representative NAICS 2022 codes: 524, 5241.

What is the talent index in Berlin?

88/100. Use the city profile for full detail.

Related

• Insurance — global overview
• Berlin — full city profile
• Financial services in Berlin
• Asset management in Berlin
• Investment banking in Berlin
• Legal services in Berlin

Editorial provenance

Reviewed by Samuel Okafor — EMEA contributing editor. Last updated 2026-04-15. See our methodology and editorial standards.

Primary sources for this page

• CBRE Marketview reports — CBRE
• JLL Office Insight — JLL
• Cushman & Wakefield Marketbeat — Cushman & Wakefield
• Savills World Research — Savills
• Colliers Global Office Outlook — Colliers

Full sources index · Submit a correction

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