What ROLAND Rechtsschutz does

ROLAND Rechtsschutz is a German legal protection insurance specialist operating as ROLAND Rechtsschutz-Versicherungs-AG, headquartered in Cologne and supervised by BaFin. Founded approximately in 1961 and claiming the position of Germany's largest Rechtsschutz-Spezialversicherer, ROLAND serves roughly 1.8 million customers across three primary segments: private individuals, commercial/business clients, and regulated professional groups such as physicians, tax advisors, architects, and engineers. The group's structure comprises three wholly-owned subsidiaries, ROLAND Schutzbrief-Versicherung AG (assistance insurance), ROLAND Assistance GmbH, and ROLAND AssistancePartner GmbH, with operational offices in Cologne, Leverkusen, and Dresden.

The core product portfolio is built on a three-tier subscription model (Top Rechtsschutz Starter, Komfort, and Premium) starting at EUR 13.68, EUR 14.31, and EUR 19.97 per month respectively, with unlimited coverage sums and modular add-ons covering Internet, Manager, Criminal (Straf), Damages, Family, Administrative, and Vehicle protection. Distribution combines a self-serve online tariff configurator on the company website, a Vermittlerportal for insurance intermediaries, a Beratersuche advisor-locator tool, the ROLAND Akademie partner training platform, and a callback service. Underlying technology is described as a standard insurance platform with digital claims management via the ROLAND Service Portal, mobile-optimized interfaces, and live-chat support, with no proprietary AI or novel technology stack disclosed.

Revenue is generated through recurring insurance premiums billed monthly, quarterly, semi-annually, or annually, with optional deductibles (Flex 200/400) that can decline by EUR 100 per claim-free year. The company has been awarded 'Fairster Leistungsregulierer' (Fairest Claims Settler) by Focus Money for seven consecutive years (2019-2026) and holds an AXA Group compliance partnership for whistleblowing channels, though no ownership relationship with AXA is disclosed. ROLAND positions itself as a 'Konfliktlöser' emphasizing mediation and out-of-court dispute resolution alongside traditional litigation coverage.

Name

ROLAND Rechtsschutz

Legal name

ROLAND Rechtsschutz-Versicherungs-AG

Website

https://roland-rechtsschutz.de

Company type

Private

Founded year

1961

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

ROLAND Rechtsschutz is a Cologne-based German legal protection insurance specialist serving 1.8 million private, commercial, and professional customers through modular subscription products distributed via direct online channels and a broker intermediary network.

Ownership category

akta.pro rank

Headquarters

HQ city

Köln

HQ country

Germany

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Legal Protection Insurance Premiums: ROLAND generates revenue through recurring insurance premiums paid by private and commercial customers. Customers select from modular coverage packages (Starter, Komfort, Premium) with various modules (Private, Employment, Traffic, Housing, 55+, etc.). Premiums are calculated based on factors including location, age, marital status, occupation, payment frequency, and contract duration. Billing is available monthly, quarterly, semi-annually, or annually.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

ROLAND Rechtsschutz is Germany's largest specialist legal protection insurance company, selling subscription-based Rechtsschutzversicherung products to private and commercial customers. Its portfolio spans three flagship tiered packages (Starter, Komfort, Premium) covering private, employment, and traffic legal disputes, plus specialised standalone modules for rental, family, internet, criminal, and commercial matters such as Firmenrechtsschutz and Manager-Rechtsschutz. The offering includes unlimited coverage sums, 24/7 telephone legal advice, mediation, contract review, and digital claims management accessed through an online service portal and broker network.

Product overview

ROLAND Rechtsschutz is a German legal expense insurance provider offering a comprehensive portfolio of legal protection products. The core offering consists of three tiered Top-Rechtsschutz packages (Starter, Komfort, Premium) providing foundational coverage for private, traffic, and employment legal matters. These core packages are complemented by specialized add-on modules including Privatrechtsschutz, Arbeitsrechtsschutz, Verkehrsrechtsschutz, Mietrechtsschutz, Firmenrechtsschutz, Familienrechtsschutz, Internet-Rechtsschutz, Schadenersatz Rechtsschutz, Manager-Rechtsschutz, Straf-Rechtsschutz, and vehicle protection services. The company serves both private customers and commercial clients through its online platform, service portal, and a network of consultants. Key differentiators include unlimited coverage sums, 24/7 availability, and a focus on out-of-court dispute resolution through mediation.

Differentiator

Problem solved

Functional benefit

Products and services

• Top Rechtsschutz (Starter, Komfort, Premium) Flagship multi-module legal protection insurance for private individuals combining Private, Employment and Traffic legal coverage with unlimited coverage sums, optional add-on modules, Flex deductibles, mediation and 24/7 legal consultation.
• Privatrechtsschutz Legal protection insurance for private life disputes covering contracts, authorities, fines, internet matters, and study place disputes for individual policyholders.
• Arbeitsrechtsschutz Legal protection insurance for employment-related disputes including wrongful termination, workplace conflicts and employment rights for employees.
• Verkehrsrechtsschutz Legal protection insurance for road traffic conflicts including accidents, compensation claims, contract disputes and parking violations for drivers and traffic participants.
• Mietrechtsschutz Legal protection insurance for tenants and landlords covering rental contract disputes, neighbourhood conflicts and property management issues.
• Firmenrechtsschutz Commercial legal protection insurance for businesses covering legal disputes in contract, administrative, labour and real estate matters.
• Manager-Rechtsschutz Specialised legal protection for executives, directors and senior managers covering personal liability risks and private assets in management liability disputes.
• Straf-Rechtsschutz für Unternehmen Criminal legal protection insurance for companies providing risk protection, reputation protection and employee security against criminal charges.
• Familienrechtsschutz Legal protection insurance covering family law matters including adoption, marriage and inheritance disputes for private households.
• Internet-Rechtsschutz Specialised legal protection against internet risks including online fraud, defamation and digital contract disputes.
• Schadenersatz Rechtsschutz Legal protection insurance for compensation and damages claims disputes.
• KFZ-Schutzbrief Vehicle protection letter providing additional mobility services and roadside assistance from ROLAND Schutzbrief-Versicherung AG.
• Schutzbriefe für Mobilität Additional mobility protection services including breakdown assistance and travel support from ROLAND Schutzbrief-Versicherung AG.
• Mediation (Konfliktlösung) Alternative dispute resolution service helping parties resolve conflicts without court proceedings, aligned with ROLAND's "Besser miteinander" philosophy.

Quantifiable outcome

• Unlimited coverage sum for all policyholders across all tiers
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and minor.

• Partner Law Firms (Partnerkanzleien)coreImplementation/ SI/ Consulting PartnerROLAND works with a network of partner law firms (Partneranwälte) who provide legal consultation and representation to policyholders. The company also partners with a specialized law firm for its queer community support program (Pride Month), providing free legal advice to LGBTQIA+ individuals on topics including self-determination law, discrimination, and employment law.
• University of HildesheimminorStrategic or Co-development PartnerROLAND collaborated with the University of Hildesheim to translate its General Legal Protection Conditions (ARB) into Easy Language (Einfache Sprache). The university conducts research on Light and Easy Language topics.
• AXA Group Internal Audit (Speak-Up Channel)minorOthersAXA Group's internal audit function provides an additional whistleblowing channel ([email protected]) as part of ROLAND's compliance reporting system, available alongside ROLAND's internal reporting mechanisms.
• Trust Lawyer (Vertrauensanwalt) – Dr. Tony RostalskiminorOthersROLAND has appointed external trust lawyer Dr. Tony Rostalski (ROSTALSKI Wirtschaftsstrafrecht und Compliance, Cologne) as an additional external reporting channel for compliance violations and human rights/environmental risks, reachable via email, phone, or postal mail (including anonymously).
• UN Women Germany / Orange The World CampaignminorStrategic or Co-development PartnerROLAND participates in the UN Women 'Orange The World' campaign against gender-based violence, providing free legal advice to women and girls affected by violence through its partner law firm.
• rosa strippe e.V.minorOthersA Cologne-based LGBTQIA+ counseling organization providing telephone counseling, individual, couple, family, and group counseling sessions. ROLAND refers customers to this organization as part of its Pride Month support offerings.
• Hilfetelefon bei Gewalt gegen Frauen (116 016)minorOthersFederal anonymous, free, accessible counseling hotline for women experiencing violence, available in 18 foreign languages with additional communication options including instant chat, email counseling, and sign language. ROLAND references this resource as part of its violence-against-women support program.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Advocard: Advocard is a German legal protection specialist brand within the Generali Group, offering private Rechtsschutz products. It competes directly with ROLAND's Top Rechtsschutz tariffs for private and family legal protection customers in Germany.
• ARAG: ARAG is Germany's other major specialist legal protection insurer (Rechtsschutz-Spezialversicherer), offering private, commercial, and professional legal protection products with comparable unlimited-sum coverage. ARAG is the closest direct head-to-head competitor to ROLAND in the German market.
• DEURAG: DEURAG Deutsche Rechtsschutz-Versicherung AG is a Germany-focused legal protection specialist offering private and commercial Rechtsschutz products. It targets a similar customer base to ROLAND, including professionals and SMEs requiring employment and traffic legal protection.
• Allrecht: Allrecht Rechtsschutzversicherung is a German specialist legal protection insurer serving private and commercial customers, often distributed through intermediary channels. Its product focus and target segments closely overlap ROLAND's private and commercial Rechtsschutz offerings.
• D.A.S. Rechtsschutz: D.A.S. Rechtsschutz is the legal protection arm of Munich Re Group and one of Germany's largest legal expense insurers. It competes directly with ROLAND across private and commercial legal protection products and benefits from Munich Re's reinsurance and capital backing.
• Auxilia Rechtsschutz: Auxilia is a German legal protection specialist insurer offering private and commercial Rechtsschutz products, with a particular focus on professional and association-affiliated customer groups. Comparable to ROLAND in line-of-business concentration and product structure.

Broad incumbents

• HUK-COBURG: HUK-COBURG is one of Germany's largest multi-line insurers offering auto, property, liability, and legal protection as part of a broad product portfolio. While not a specialist, its bundled legal protection offering competes with ROLAND's standalone products on price and distribution.
• Zurich Versicherung Deutschland: Zurich operates a German multi-line insurance portfolio including legal protection products, typically distributed through broker channels. Zurich competes with ROLAND in the commercial and high-net-worth customer segments where Zurich's broader product suite creates bundling leverage.
• Allianz Versicherung: Allianz is Germany's largest multi-line insurer offering legal protection among its broad P&C, life, and health portfolio. Allianz competes with ROLAND through cross-sell and bundling, leveraging scale advantages ROLAND cannot match as a single-line specialist.
• Generali Versicherung: Generali Deutschland operates a broad insurance portfolio including the Advocard legal protection brand. Generali competes with ROLAND both as a multi-line bundler and via its specialist Advocard arm in the same customer segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/ROLANDRechtsschutz
• Facebookfacebook.com/ROLAND.Rechtsschutz
• LinkedInlinkedin.com/company/roland-rechtsschutz-versicherungs-ag
• Instagraminstagram.com/rolandrechtsschutz
• TikToktiktok.com/@rolandrechtsschutz

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about ROLAND Rechtsschutz