Athena Protectoria
Tamara Kurz, Insurance Broker

Plain language instead of fine print.

The Insurance support for female founders & solo entrepreneurs.

So you can focus on your business - with coverage that suits you, instead of standard packages and sales pressure.

Termin vereinbaren
The focus

Great plans need a solid foundation. But no extra to-dos.

Your cognitive load

You juggle clients, strategy, taxes, and invoices. That insurance gets pushed to the background in your daily routine is not a loss of control, but completely understandable. Your energy belongs to growing your business, not to spending hours comparing insurance terms.

I see your busy daily routine.

Your requirement

You don't want standard, off-the-shelf packages pushed on you, and you're not looking for a confusing online portal. You want a sound risk analysis on a real business level. Someone who listens to you, understands your business model, and speaks plainly – entirely without sales pressure.

I understand your expectation.

The insurance setup

This is where we bridge the gap: we bring structure to your existing folder, cancel unnecessary coverage for your GmbH, self-employment, or private life, and close real gaps. As an independent insurance broker, I ensure that your protection runs reliably in the background. You retain strategic control; I do the work.

Your solution for a clear head.

From the blog

Guidance for your coverage.

Guidance for your coverage.

Four blog posts for female founders: Whether you are about to launch, just getting started, structuring new companies as a serial founder, or reviewing your insurance setup as an established entrepreneur: here you will find guidance on liability, legal protection, health, and priorities for you personally and your business.

Four blog posts for female founders: Whether you are about to launch, just getting started, structuring new companies as a serial founder, or reviewing your insurance setup as an established entrepreneur: here you will find guidance on liability, legal protection, health, and priorities for you personally and your business.

Blog post

Blog post

Liability for consulting, agency and tech: Where your actual liability risk lies

Liability for consulting, agency and tech: Where your actual liability risk lies

When they think of liability, many first think of the classic scenario: someone trips over a cable in the office and gets injured. For consultants, agencies, and tech startups, however, the greater risk often lies elsewhere. Their work consists of knowledge, decisions, code, data, or publications—and mistakes can very quickly turn into financial losses for the client.

When they think of liability, many first think of the classic scenario: someone trips over a cable in the office and gets injured. For consultants, agencies, and tech startups, however, the greater risk often lies elsewhere. Their work consists of knowledge, decisions, code, data, or publications—and mistakes can very quickly turn into financial losses for the client.

Blog post

Blog post

Liability or legal protection: What do you need as a female founder and for what?

Liability or legal protection: What do you need as a female founder and for what?

If someone demands money from you and, in the worst-case scenario, a lawyer gets involved, that initially sounds like a case for legal expense insurance. However, for many typical worries faced by female founders, the insurance question begins at a different point: liability.

If someone demands money from you and, in the worst-case scenario, a lawyer gets involved, that initially sounds like a case for legal expense insurance. However, for many typical worries faced by female founders, the insurance question begins at a different point: liability.

Blog post

Blog post

From Employee Mode to Full-Time Founder: Administrative Decisions for Health and Status

From Employee Mode to Full-Time Founder: Administrative Decisions for Health and Status

Taking the leap into full-time entrepreneurship means the familiar safety nets of being an employee quietly disappear. Here, you'll learn how to securely build your new foundation—without any of the bureaucracy panic.

Taking the leap into full-time entrepreneurship means the familiar safety nets of being an employee quietly disappear. Here, you'll learn how to securely build your new foundation—without any of the bureaucracy panic.

Blog post

Blog post

Which insurances you really need in your first year of founding (and which can wait)

Which insurances you really need in your first year of founding (and which can wait)

The first year of founding a company is characterized by tight budgets and endless to-do lists. Insurance often seems like an expensive evil. To reassure you: You don't have to be insured against everything from day 1.

The first year of founding a company is characterized by tight budgets and endless to-do lists. Insurance often seems like an expensive evil. To reassure you: You don't have to be insured against everything from day 1.

Your administrator

Insurance expertise through the lens of a COO.

Background

Operational perspective instead of a sales pitch.

Because I managed operational processes for years as a COO in the insurance world, I look at your company from a process-oriented perspective. We identify blind spots in a practical way and build an insurance setup that fits seamlessly and without fuss into your back office.

The Nerd Factor

Deepening knowledge, so you don't have to.

As co-author of the specialist book, I was responsible for the mathematical and structural craft behind the scenes "Welcome to the world of insurance" broken down. We use this knowledge for your setup: You get crystal-clear decision-making templates instead of tedious brochures.

Your side

Protection of interests through trusteeship.

As an independent insurance broker, I am not a product agent for the corporations, but am legally bound to your interests as a trustee-like administrator. I keep your back covered in the background so that you retain strategic sovereignty.

Tamara Kurz
Your entry point

Ready? Choose your entry point.

Both conversations are free of charge and without obligation. No pressure — just an honest way to get to know each other.

30 minFree

Getting to know each other

Would you like to first check if the chemistry is right? A conversation without commitments — simply aligning on attitude and ways of working.

60 minFree

Initial consultation

Do you have a specific request and want to get started right away? This is the conversation to fully assess the situation and determine the starting point of our collaboration.

Collaboration & frequent Questions

Step 1Get to know the business

We will thoroughly analyze your specific situation and your actual risks.

Step 2Structured Template

You get crystal-clear, compact decision memos instead of thick brochures.

Step 3Operational relieve

You retain the strategic freedom, while I take over all of the paperwork.

All FAQs on the website