SMK
SMK is an insurance broker and risk management firm providing provisional and investment services.
- Company typePrivate
- Founded1990
- HeadquartersGießen, Germany
- Headcount51–100
- GTM typeB2B
- OfferingServices
SMK firmographics
Firmographics- Name
- SMK
- Legal name
- SMK Versicherungsmakler AG
- Website
- https://www.smk.ag
- Company type
- Private
- Founded year
- 1990
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- SMK is an insurance broker and risk management firm providing provisional and investment services.
- Ownership category
- akta.pro rank
SMK industry classification
Industry- Product category
- Insurance Brokerage and Risk Management Consulting
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Administrative Management and General Management Consulting Services (541611)
- SIC
- Insurance Agents, Brokers & Service (6411), Services-Management Consulting Services (8742)
- akta.pro primary industry
- Cybersecurity Management for SMB (Managed Security Add‑ons) (BPAEABAG)
- akta.pro secondary industry
- SMB / Packaged Cyber Policies (FSAJAOAN)
Keywords
Where SMK is headquartered
LocationHeadquarters
- HQ city
- Gießen
- HQ country
- Germany
- HQ region
- Europe
Offices17 records
Markets served
SMK business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D
Revenue model
- Risk Management Consulting: Professional risk management consulting services for businesses, including risk analysis, audits, and strategic planning
- Insurance Brokerage: Insurance brokerage services, handling over 4,000 damage claims annually. Revenue generated through commissions from insurance carriers
- IT Infrastructure Services: IT audits, infrastructure restructuring, and managed services through coliex systems subsidiary
- Business Consulting: Strategic consulting including M&A support, transformation, and sustainability advisory through in:solutions consulting
- Financing Services: Financing solutions including leasing, factoring, and credit arrangements
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Others | Multi-year contract | Custom quote-based services |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
SMK product offering
Product offeringCore offering
SMK Group is a German insurance broker and risk management consulting firm that provides holistic risk management, insurance brokerage (handling over 4,000 damage claims annually), IT infrastructure services through its coliex systems subsidiary, business and sustainability consulting via in:solutions consulting, and financing solutions. The company serves more than 14,000 German Mittelstand (mid-market) clients across industries including trades, commerce and industry, liberal professions, healthcare, real estate, and agriculture, offering them a single point of contact across all business risks.
Product overview
SMK Group is a unified platform combining consulting, IT, risk management, and insurance solutions under one roof. The portfolio consists of five subsidiary sub-brands: SMK risk management (core risk management and insurance services), coliex systems (IT infrastructure and managed services), in:solutions consulting (business strategy consulting), in:now future (broker/agent services), and in:privat insurance (private client insurance), supported by a PartnerNetwork of external companies. Core service offerings span risk management, IT infrastructure, corporate consulting, sustainability/ESG, and financing, all coordinated by a single point of contact for German Mittelstand clients.
Differentiator
Problem solved
Functional benefit
Brands
- SMK risk management: Innovative and future-oriented risk management strategies for businesses.
- coliex systems
- in:solutions consulting
- in:now future
- in:privat insurance
- SMK PartnerNetwork
Products and services
- Risikomanagement (Risk Management Consulting) Holistic enterprise risk management consulting service that identifies, assesses, and manages corporate risks for German Mittelstand businesses across all industry verticals, including coordination of insurance brokerage and damage claim handling (4,000+ claims annually).
- IT-Infrastruktur (IT Infrastructure Services) IT infrastructure service that audits digital structures, identifies vulnerabilities, and provides secure, economically viable IT foundations including remediation, infrastructure restructuring, and managed services for German Mittelstand clients.
- Unternehmensberatung (Business Consulting) Strategic business consulting service accompanying corporate decisions and transformations with focus on structure, efficiency, and future viability, including M&A support and transformation advisory.
- Nachhaltigkeit (Sustainability/ESG Consulting) Sustainability and ESG consulting service integrating environmental, social, and governance requirements into German Mittelstand businesses strategically and in a regulatory-compliant manner.
- Finanzierung (Financing Solutions) Financing solutions supporting investments, operating cost management, and inventory financing optimization for business futures, including leasing, factoring, and credit arrangements.
- Insurance Brokerage with Own Conditions Works (Eigene Bedingungswerke) Insurance brokerage service placing business insurance with carriers using proprietary in-house developed insurance conditions (Eigene Bedingungswerke) that provide broader and more tailored coverage than standard market policies, supported by 4,000+ annual damage claim handling.
- in:privat Insurance (Private Client Insurance) Insurance solution tailored for price-conscious private clients who value personal contact, offered under the in:privat insurance sub-brand of SMK Group.
- in:now future (Broker and Agent Solutions) Solutions service for insurance brokers, underwriting agencies (Assekuradeure), and agent representatives to help them shape their future agenda through digital tools, software, and transformation services.
Quantifiable outcome
- 99.7% customer satisfaction rate
- +3 more outcomes
Companies that use SMK
Customer profileNamed customers15 records
Segments9 records
Ideal customer profiles4 records
SMK technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
SMK partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core and minor.
- Verband Fenster + Fassade (VFF) & GütegemeinschaftcoreStrategic partnership with VFF and quality association for window and facade industry. SMK provides risk management expertise and member benefits to association members.
- Bundesverband ProHolzfenster e.V.corePartnership with German solid wood window association. Provides specialized risk management solutions for member companies.
- Bundesverband Wintergarten e.V.corePartnership with conservatory/winter garden association. Offers tailored risk management for specialty construction.
- Verband Leben Raum GestaltungcorePartnership with living space design association. Provides risk management services to members.
- Fachverband FEHRcorePartnership with FEHR technical association for specialized risk solutions.
- BHE Bundesverband Sicherheitstechnik e.V.corePartnership with security technology association. SMK provides expertise for complex requirements and individual special solutions.
- NETZWERK FreycoreNetwork partnership providing risk management services to network members.
- NFF Nordtreff Fenster FassadecorePartnership with NFF network for window and facade industry. SMK supports NFF events and provides information on current topics.
- Verband Tischler Schreiner DeutschlandcorePartnership with German carpenter/joiner association for member risk management services.
- Der Mittelstand BVMW e.V. BundesverbandminorMembership in Mittelstand BVMW Bundesverband, representing SME interests.
Scale indicators6 records
Recent moves6 records
Expansion highlights7 records
SMK competitors and assessment
Company assessmentDirect peers
- MRH Trowe: Munich-headquartered German insurance broker and risk management firm serving mid-market and enterprise clients. Directly comparable to SMK in Mittelstand focus, integrated risk consulting, and German domestic distribution, though MRH Trowe is larger and more internationally oriented.
- Funk Gruppe: Hamburg-based family-owned insurance broker and risk consultant serving German Mittelstand and larger corporates. Closely comparable to SMK in owner-managed independence, integrated consulting-plus-brokerage model, and focus on complex specialty risk solutions for SMBs.
- Ecclesia Gruppe: Detmold-based German insurance broker specializing in healthcare, church, social, and Mittelstand sectors. Comparable to SMK in its German SMB focus and consultative broker model, with similar multi-vertical specialization and integrated risk advisory offerings.
Broad incumbents
- Marsh Germany: German operations of global insurance broker Marsh (part of Marsh McLennan). Overlaps with SMK in commercial insurance brokerage and risk advisory but serves larger and multinational clients with broader carrier access and analytics capabilities.
- Aon Germany: German arm of global broker Aon. Competes with SMK for German commercial and mid-market accounts, offering broader reinsurance, consulting, and analytics capabilities while operating at a much larger scale.
- Willis Towers Watson Germany: German operations of global advisory WTW. Competes with SMK in commercial risk and insurance brokerage but focuses on larger mid-market and enterprise clients with cross-border risk transfer needs.
- Barmenia Versicherungen: Wuppertal-headquartered German mutual insurer and broker serving SMBs and liberal professions. Overlaps with SMK's liberal professions and trades segments but operates as a carrier-broker hybrid with broader product portfolios.
- HDI Deutschland: Hannover-based German commercial and industrial insurer with broker and risk consulting capabilities. Comparable to SMK in serving German Mittelstand commercial accounts, though HDI is a carrier with underwriting capability that SMK lacks.
- Allianz Deutschland: German arm of global insurer Allianz, operating direct and broker channels into the Mittelstand. Overlaps with SMK's German SMB insurance market but at vastly greater scale and with proprietary underwriting capability.
Regional players
- ROLAND Rechtsschutz: Cologne-based German legal-protection insurer and broker group serving SMBs and professionals. Adjacent to SMK's liberal professions and Mittelstand focus with similar German domestic distribution and association partnership strategies.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
SMK social profiles
Digital presenceSMK financial estimates
Financial estimateRevenue estimate
Valuation estimate
SMK leadership team
Management profileNumber of profiles
Profiles5 records
SMK subsidiaries and ownership
Company hierarchySubsidiaries6 records
SMK funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SMK M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about SMK
What does SMK do?
SMK Group is a German insurance broker and risk management consulting firm that provides holistic risk management, insurance brokerage (handling over 4,000 damage claims annually), IT infrastructure services through its coliex systems subsidiary, business and sustainability consulting via in:solutions consulting, and financing solutions. The company serves more than 14,000 German Mittelstand (mid-market) clients across industries including trades, commerce and industry, liberal professions, healthcare, real estate, and agriculture, offering them a single point of contact across all business risks.
Is SMK a public or private company?
SMK is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was SMK founded?
SMK was founded in 1990. It employs 51 to 100 people.
Where is SMK based?
SMK is headquartered in Gießen, Germany, in the Europe region.
How does SMK make money?
Five revenue lines are on record. Risk Management Consulting is the primary driver. The others are insurance Brokerage, IT Infrastructure Services, business Consulting and financing Services.
Who are SMK's main competitors?
Direct peers on record are MRH Trowe, Funk Gruppe and Ecclesia Gruppe. Broad incumbents are Marsh Germany, Aon Germany, Willis Towers Watson Germany, Barmenia Versicherungen, HDI Deutschland and Allianz Deutschland. ROLAND Rechtsschutz is listed as a regional player.
Does SMK have an API?
No public API is recorded for SMK.
What industry is SMK in?
SMK's product category is Insurance Brokerage and Risk Management Consulting. Its primary akta.pro industry code is BPAEABAG, Cybersecurity Management for SMB (Managed Security Add‑ons), with a secondary code of FSAJAOAN, SMB / Packaged Cyber Policies. Its NAICS code is 5242 and its SIC code is 6411.