Actually Im not so happy about my try to define "Betriebshaftpflicht". By protecting employees I meant: protect them (actually protect the whole business) against claims for damages they caused. In most cases that would be damage done to a client. Sorry for that.
There are other people on this forum that do know a lot more about insurances, than I do. Starshollow would be one of them, I think.
Something to look for could be "
Riester-Rente". Thats a state aided private "Rentenversicherung". But I dont know if there wouldnt be better ways to invest your money.