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The KuBI e.V. association and Fachhochschule Dortmund have conducted a study to answer the following questions: How pronounced is the risk propensity of tradespeople/freelancers in Germany? How pronounced is the risk perception of tradespeople/freelancers in Germany with regard to typical commercial risks? What counseling and support services are currently available to tradespeople/freelancers? What insurance cover have tradespeople/freelancers taken out?