Draft, to be checked by a lawyer before launch

Insurance & liability

Peermute connects people who want to share, lend and swap. This page explains what that means for insurance. It is general information, not legal advice.

What the lender declares

Whoever lends an item declares, when publishing the listing, that they have liability insurance (Haftpflichtversicherung) that covers lending this item. The declaration appears on the listing as “Lender declares liability insurance”.

What Peermute does not do

• Peermute does not check whether the insurance exists, is valid or covers the item.
• Peermute does not provide insurance and does not replace the insurance of the people involved.
• Peermute is a platform that connects members. The exchange itself is agreed between the members.

What we recommend to members

• Ask your insurer whether your policy covers lending items to other people, lending for free, lending professional equipment, and lending in another country.
• Many private policies cover only private use. Institutions, studios and businesses usually need their own policy.
• Agree before the exchange what condition the item is in, and take photos. Use the messages in the exchange to write down what you agreed.
• Do not exchange anything dangerous or illegal.

Exchanges across Europe

Insurance cover and the rules on liability differ from country to country. If an item travels across a border, check that your cover applies there.

Questions? Write to the Peermute team through the contact in the legal notice.