The section separation is a principle of insurance. In accordance with "§ 8 exp. 1a of the law of supervision of insurance (VAG) insurance companies, which are active in life or substitutive health insurance business, may not operate other insurance sections (thus no harming and accident insurance business).

That is, that

• Life insurances,
• Health insurances as well as
• Harming and accident insurances

in independent in each case enterprises to be operated must (in each case a corporation, a VVaG or a public insurance company).

The harming and accident insurance are called also Kompositversicherung. The term expresses that these enterprises may operate a multiplicity of insurance sections.

In former times the section separation applied also to the legal expenses insurance business. This can be operated meanwhile in the damage/accident insurance company. However the legal protection damage adjustment must, in order to be avoided interest conflicts, be paged out after "§ 8 exp. 2 VAG into a legally independent society (mostly in the legal form of a GmbH).

The so-called "small section separation" means that in principle each branch of insurance is to carry in the long term. This is however no legal obligation. Accordingly this is often not reached; bspw. the force roundabout (at least the Kfz liability) must be transversesubsidized by other branches with nearly all insurers. Since straight this branch is considered however as so-called "entrance section", this by the enterprises in purchase is taken.

The section separation was and is favorable for the formation of insurance companies: In practice mostly legally independent enterprises are for the enterprise of the business of the respective section ("XYZ insurance AG", "XYZ life insurance AG", "XYZ health insurance AG" as well as "XYZ legal protection damage service GmbH"). Over it financial or management getting thing ("XYZ AG") mostly functions as a company nut/mother.

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