Petra has three children and is a single parent. She has been an employee care specialist for children for many years and has recently lost her job due to restructuring. She has therefore been forced to open her own crèche.
As Petra's financial circumstances are rather tight, she immediately threw herself into the foundation of her company, which she carried out without any support. She decided on the sole proprietorship as this was the quickest way and did not really deal with other legal forms.
The fear of failure puts Petra under enormous pressure so that she is constantly stressed and does not bring any real structure into her everyday life. It already happened once that she forgot her daughter's birthday party and she frequently only comes home in the evening when the children are already in bed.
Due to all the stress, the risk analysis also went under, so Petra didn't think about how to avoid risks and where to take out insurance. When a former colleague asks her about it, she is shocked.
She had forgotten all about that. The friend explains to her that as the owner of a sole proprietorship she is liable with her private assets and that insurance is only sparsely mandatory with this legal form.
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