Yes, germ is a Scrabble word!
...and is worth 7 points in Scrabble, and 9 points in Words with Friends
germ
Noun
1. Anything that provides inspiration for later work
2. A small apparently simple structure (as a fertilized egg) from which new tissue can develop into a complete organism
3. A minute life form (especially a disease-causing bacterium); the term is not in technical use
What Scrabble words can I make with the letters in germ?
3 Letter Words
2 Letter Words