In simpler terms, germline variants are variants that are inherited by from the parents via the germ cells, so sperm and oocytes, means the variant has already been present in the genome of at least one of the the parents. Somatic variants arise de novo in the genome of the respective individual. Example: A variant that occurs in a stem cell will be found in all offspring cells that derive from that stem cells, but not in all the other cells of the organism. In order to distunguish germline from somatic, one sequences the tumor sample and a matched-normal. E.g. in case of lung cancer, one takes the tumor biopsy from the lung, and a matched-normal from the blood. Even though germline variants (risk factor variants) can contribute to pathogenesis, somatic variants are typically more involved a diseases, that is why they are of special interest.
Without a matched-normal control, one could not distinguish between somatic and germline, because every genome contains tens of thousands of mutations towards the reference genome, so a matched-normal from the same donor is necessary.
Indels are simply additional of missing nucleotides in comparison to a reference, therefore they can be found in both germline and somatic.