HBC Group

Name

HBC Group

Legal name

HBC GmbH

Website

https://hbc.insure

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industries

Life & Health Reinsurance Brokerage (FSAOAHAF), Individual Health Insurance Brokerage & Distribution (FSAIAEAL), Personal Excess Liability (High-Net-Worth) (FSAJANAF)

Keywords

• Insurance brokerage
• Corporate broking
• Reinsurance solutions
• Risk management
• Occupational pensions

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: HBC Group generates revenue through commissions earned from insurance providers when policies are placed through its network of broker partners. As an insurance broker group, the company acts as intermediary between insurance buyers and insurers, earning commissions and fees for arranging coverage.
2. Risk Management and Advisory Services: Revenue generated from providing comprehensive risk management advisory services and tailored insurance solutions for corporate and private clients.
3. Reinsurance Brokerage: Specialized reinsurance brokerage services for complex risks including terrorism, political risks, cyber, and specialty risks, generating commission income from reinsurance placements.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

HBC Group operates a broker network (Maklerverbund) that consolidates independent owner-managed insurance brokers to deliver comprehensive corporate insurance solutions (cyber, property, fleet, energy, pensions, financial lines, marine, engineering, media) and tailored private client coverage for high-value personal assets (homes, art, prestige vehicles, leisure boats). The group also provides specialty reinsurance and risk management services, a digital credit insurance platform, occupational pension schemes, and niche products such as classic car, travel, and marine/yacht insurance. Revenue is earned through commissions from insurers and fees for advisory services across Germany, Austria, and Denmark.

Product overview

HBC Group is a German insurance broker network (Maklerverbund) headquartered in Hamburg, formed through a buy-and-build consolidation strategy. The Group operates as a platform of independently-run but affiliated insurance brokers, offering both corporate broking and retail broking for private clients. Key products include reinsurance and risk management solutions (via Genillard & Co.), credit insurance (via crebita digital platform), occupational pension schemes (bAV), classic car insurance (via Deneke), travel insurance (via LTA), and marine/yacht insurance. The platform is underpinned by the openVIVA broker management system for portfolio management and operations.

Differentiator

Problem solved

Functional benefit

Products and services

• Corporate Broking Comprehensive corporate insurance broking and risk management advisory for SMEs through large industrial and commercial clients across multiple lines including cyber, logistics, property, fleet, media, engineering, pensions, energy, and financial lines.
• Retail Broking for Private Clients Tailored insurance solutions for private clients, providing personalized coverage for high-value personal assets including homes, individual works of art, prestige cars, and leisure boats.
• Reinsurance and Risk Management (via Genillard & Co.) Specialized reinsurance brokerage solutions covering terrorism, political risks, financial lines, agriculture, natural catastrophes, run-off and legacy, cyber, and specialty risks, delivered through Genillard & Co.
• Credit Insurance Platform (via crebita) Digital platform providing credit insurance products with real-time assessment and instant policy issuance for receivables insurance in Germany and Austria, delivered through crebita GmbH.
• Occupational Pension Solutions (bAV) Corporate pension (bAV) solutions delivered through Pro Found and other group members, providing tailored occupational pension schemes to medium-sized companies.
• Classic Car Insurance (via Deneke) Premium classic car insurance and exclusive collector portfolio coverage for high-value classic and prestige vehicles, delivered through Deneke.
• Travel Insurance (via LTA) Travel insurance solutions providing travel protection coverage, delivered through LTA (LTA-Reiseschutz.de).
• Marine and Yacht Insurance (via Schomacker) Marine and yacht insurance solutions including coverage for leisure boats, delivered through Hamburger Yachtversicherung Schomacker.
• Health Insurance Benefits Service (bKV via Deutscher bKV-Service) Competence centre for occupational health insurance benefits (bKV) providing employer-sponsored health insurance solutions to corporate clients.

Quantifiable outcome

• Strong market position in DACH region with continuous expansion through M&A
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

27 partnerships are on record, tiered core and minor.

• HORBACH MaklergruppecoreStrategic or Co-development Partner · 1 May 2026Brokerage group acquisition expanding HBC's platform capabilities, announced in May 2026.
• IRM Broker-GruppecoreStrategic or Co-development Partner · 1 March 2026Austrian broker group bringing 36+ years of market expertise as hidden champion. Creates powerful Austrian hub for commercial and industrial insurance with international reach. Michael Patocka becomes CEO of HBC Austrian holding.
• Saller & Vogl GmbHminorStrategic or Co-development Partner · 1 July 2025Munich-based brokerage with 30+ years serving demanding medium-sized companies and freelancers. Managing directors Rupert Saller and Richard Vogl continue leadership.
• VERDIE Management GmbHminorStrategic or Co-development Partner · 1 July 2025Hamburg-based firm serving high net worth private clients and businesses with complex insurance needs. Managing Director Carsten Hoffmann continues with focus on discreet, competent advice.
• LTA (LTA Reiseschutz)minorStrategic or Co-development Partner · 1 April 2025Travel insurance specialist with majority stake acquisition by HBC, expanding travel insurance business unit.
• Consulio Pension GmbHminorStrategic or Co-development Partner · 1 April 2025Occupational pension specialist setting benchmark in corporate pension provision, strengthening HBC's bAV expertise.
• Deutscher bKV-ServiceminorStrategic or Co-development Partner · 1 April 2025Competence centre for health insurance benefits (bKV) acquired by HBC, expanding health insurance service capabilities.
• RAM GmbH (Remstal Assekuranz)minorStrategic or Co-development Partner · 1 March 2025Insurance broker combining strengths with HBC, expanding regional presence.
• Hamburger Yacht-Versicherung SchomackerminorStrategic or Co-development Partner · 1 January 2025Specialized yacht insurance provider joining HBC Group, expanding marine insurance capabilities.
• Hoyer VersicherungskontorminorStrategic or Co-development Partner · 1 January 2025Insurance broker joining HBC Group as part of continued expansion strategy.
• SCHINNER Versicherungsmaklerkanzlei GmbHminorStrategic or Co-development Partner · 1 December 2024Leading Austrian insurance broker focusing on property developers and property managers. SCHINNER was founded in 1985 and was awarded the Austrian national coat of arms in 2002.
• Pro Found - betriebliche Vorsorge GmbH & Co. KGcoreStrategic or Co-development Partner · 1 November 2024Munich-based brokerage specializing in occupational pension schemes (bAV). Strengthens HBC's corporate pension service offering with 25+ years of expertise serving medium-sized companies.
• Deneke Classic Car Insurance Solutions GmbHminorStrategic or Co-development Partner · 1 November 2024Specialized in premium classic car insurance and exclusive collector portfolios. Expands HBC's niche insurance offerings in the premium market segment.
• DUPI Underwriting Agencies Nordics A/S (DUAN)coreStrategic or Co-development Partner · 1 November 2024Acquisition expands HBC's marine expertise in Northern Europe, strengthening market position in Nordic markets.
• Genillard & Co. GmbHcoreStrategic or Co-development Partner · 1 October 2024Reinsurance broker specializing in terrorism, political risks, cyber, and other specialty risks. Acquisition enhances HBC Group's reinsurance expertise and market presence. Genillard maintains entrepreneurial spirit while leveraging HBC's resources.
• KURI VersicherungsmaklerminorStrategic or Co-development Partner · 1 October 2024Würzburg-based brokerage house with 45+ years of market presence. Brings expertise in industrial, commercial and production sectors, expanding HBC's southern Germany presence.
• Lesitas GroupminorStrategic or Co-development Partner · 1 September 2024Brokerage firm joining HBC Group as part of summer expansion, bringing strategic competencies and customer access.
• Total Consulting VersicherungsmaklerminorStrategic or Co-development Partner · 1 September 2024Insurance broker joining HBC Group, contributing to group's broker network and service capabilities.
• crebita GmbHcoreTechnology or Integration · 1 January 2024Cologne-based insurtech providing digital platform for credit insurance products with real-time assessment and instant policy issuance. Accelerates HBC's digital transformation strategy.
• Albis Assekuranzmakler GmbHcoreStrategic or Co-development PartnerHamburg-based insurance broker specializing in commercial and industrial insurance. Founding member of HBC Group network. Tibor von Jankó served as Managing Director.
• Barg & BüttnerminorStrategic or Co-development PartnerMember broker company within HBC Group network.
• Hartmann GruppeminorStrategic or Co-development PartnerMember broker company within HBC Group network.
• Robert Schüler GroupcoreStrategic or Co-development PartnerMajor broker group joining HBC with RSVM company, bringing strong leadership and expanded portfolio capabilities.
• ScanBrokers GroupminorStrategic or Co-development PartnerBroker group strengthening offices across Germany and expanding German market presence.
• Schuler VersicherungsmaklerminorStrategic or Co-development PartnerTraditional insurance broker founded in 1912, serving commercial and industrial clients in Oldenburg region.
• TPSH GroupminorStrategic or Co-development PartnerBroker group strengthening business locations in southern Germany and expanding German market presence.
• UMBERIO GroupcoreStrategic or Co-development PartnerAustrian broker group with four additional brokerage firms, expanding HBC's Austrian market presence.

Scale indicators5 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Aon Germany: German operations of Aon, global risk and insurance broker. Competes for enterprise clients; the former CEO of Aon Holdings now sits on HBC's advisory board, underscoring talent overlap.
• Willis Towers Watson (WTW): Global advisory, broking, and solutions firm competing for corporate risk, reinsurance, and HNW private client placements across DACH.
• Marsh GmbH (Marsh McLennan): German arm of global broker Marsh. Competes with HBC for large corporate and multinational placements; broader portfolio including reinsurance, consulting, and risk analytics.
• Howden Germany: European specialty broker rapidly expanding in Germany via acquisitions (e.g., DEAX, RMC). Competes directly with HBC for specialty lines and mid-market corporate risk.

Direct peers

• GGW Group: Independent German insurance broker serving corporate and private clients. Comparable regional mid-market competitor with specialty risk focus.
• MRH Trowe: Frankfurt-based independent German insurance broker with strong corporate and specialty focus. Comparable to HBC as a mid-large German broker network pursuing organic growth and acquisitions across specialty lines.
• Funk Gruppe: Hamburg-headquartered German insurance broker and risk consultant serving corporate and private clients. Closely comparable to HBC in geography, client mix (corporate + HNW private), and specialty risk advisory orientation.
• Ecclesia Gruppe: Detmold-based major German insurance broker with broad corporate and institutional client base. Direct competitor for corporate broking mandates and large industrial accounts in Germany.

Others

• Allianz: Global insurer-carrier and one of HBC's distribution counterparties. Indirectly comparable as a risk ecosystem player whose products HBC brokers, but operating on the carrier rather than broker side.

Regional players

• Jauch & Hübener: Stuttgart-based independent insurance broker group serving southern German SMEs and mid-market clients. Comparable in regional focus and mid-market corporate broking orientation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/hbc-gruppe

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries30 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HBC Group