Janitos Versicherung

What Janitos Versicherung does

Janitos Versicherung AG is a Heidelberg-based German stock corporation (Aktiengesellschaft) operating as a broker-exclusive property and casualty insurer (Maklerversicherer), distributing exclusively through approximately 23,000 insurance brokers, broker pools, broker networks, and financial distributors in Germany and Austria. The company is a subsidiary of the Barmenia.Gothaer Group and employs approximately 185–190 staff, managing between 672,000 and 740,000 insurance contracts and reporting annual revenue of EUR 127 million.

The product portfolio is organized across three clusters: personal property/wealth protection (motor vehicle insurance with Compact and Advanced tariffs, private liability with onlineFit/onlinePlus/onlineMax tiers, household contents, building, bicycle/e-bike, and pet liability for dogs and horses); health protection (accident insurance, dental supplementary insurance under the JA dental / JA dentalplus brand, hospital supplementary, and multi-pension products); and business customer offerings centered on professional liability for physicians and a dedicated Berufshaftpflicht Jungmediziner product for young medical professionals and medical students. Coverage sums reach up to EUR 50 million for personal liability, and add-on modules include Multi-Garantie and Online-Schutz (cyber protection).

The technology backbone is the Janitos Maklerportal — a self-service broker platform supporting quote generation, online application submission, real-time coverage confirmation, contract and claims viewing, GDV-standard data export, and eVB retrieval. Operational digitization also extends to online damage reporting (Online-Schadenmeldung), workshop management (Werkstattmanagement) with partner workshops, process automation in claims handling, and digital integrations with Flixcheck, rapidmail, and DIGIaccess. Revenue is generated through recurring insurance premiums collected on annual billing cycles, with broker compensation paid via commission (Courtage); the company reports no public funding rounds and no M&A activity, operating instead as a focused subsidiary within a larger insurance group.

Name

Janitos Versicherung

Legal name

Janitos Versicherung AG

Website

https://janitos.de

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

251–500 employees

Short description

Janitos Versicherung AG is a Heidelberg-based broker-exclusive German property and casualty insurer, distributing motor, liability, household, accident, dental, and physician professional liability products through approximately 23,000 brokers across Germany and Austria, with EUR 127 million in annual revenue and 672,000–740,000 managed contracts.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance (Broker-Channel)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Home Warranty / Residential Service Contracts (Systems & Appliances) (FSAJALAG)

Keywords

• Property and casualty insurance
• Broker insurance distribution
• Personal liability coverage
• Motor vehicle insurance
• Professional liability insurance

Headquarters

HQ city

Heidelberg

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain, Others

Revenue model

1. Insurance Premiums: Janitos generates revenue through insurance premiums across multiple property, casualty, and health insurance lines. Premiums are collected on recurring basis (monthly, quarterly, or annual payments). Revenue reported at 127 million euros annually.
2. Broker Intermediation: Revenue generated through broker distribution channel with approximately 23,000 sales partners managing 672,000-740,000 contracts. Compensation through commissions (Courtage) paid to insurance brokers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Janitos Versicherung AG is a broker-focused (Maklerversicherer) property and casualty insurer that designs and underwrites insurance products for private individuals, medical professionals, and small businesses — including motor vehicle (Kfz), personal liability (Privathaftpflicht), household contents (Hausrat), residential building (Wohngebäude), accident (Unfall), dental and hospital supplementary (Zahnzusatz/Krankenhauszusatz), pet owner liability (dog/horse), bicycle/e-bike, and professional liability (physicians/Jungmediziner) coverage. Distribution is carried out exclusively through insurance brokers, broker pools, broker networks, and financial distributors across Germany and Austria, supported by the Maklerportal digital self-service platform, online premium calculators, an online damage reporting system, and a partner-workshop repair coordination service.

Product overview

Janitos Versicherung AG is a broker-focused (Maklerversicherer) property and casualty insurer headquartered in Heidelberg, Germany, operating as part of the Barmenia.Gothaer Group. The company distributes its products exclusively through insurance brokers, broker pools, broker networks, and financial distributors. Its product portfolio centers on four core lines: motor vehicle insurance (Kraftfahrzeugversicherung) with Compact and Advanced tariffs, personal liability insurance (Privathaftpflichtversicherung) with onlineFit/onlinePlus/onlineMax tiers, home insurance (Hausratversicherung), and accident insurance (Unfallversicherung) with Balance variant. Supplementary offerings include dental insurance (Zahnzusatzversicherung JA dentalplus), hospital supplementary insurance (Krankenhauszusatzversicherung), building insurance (Wohngebäudeversicherung), and pet liability insurance for dogs and horses. Business insurance products cover professional liability for physicians (Berufshaftpflichtversicherung) and junior physicians (Berufshaftpflicht Jungmediziner). The company also operates the Janitos Maklerportal, a digital broker platform providing quote, application, contract management, and claims processing. Optional add-ons include Multi-Garantie (market, prior-insurer, and individual guarantees) and Online-Schutz (cyber protection) for liability products. With approximately 185 employees and 127 million EUR annual revenue, Janitos manages over 672,000 contracts across 23,000 broker partners.

Differentiator

Problem solved

Functional benefit

Brands

• JA dental: Zahnzusatzversicherungs-Produktlinie mit Tarifen wie JA dental 75, JA dental 90, JA dental 100, JA dental max, und JA dentalplus
• onlineFit
• onlinePlus
• onlineMax
• Compact
• Advanced
• Balance
• Best Selection

Products and services

• Kraftfahrzeugversicherung (Kfz) — Motor Vehicle Insurance Motor vehicle insurance covering mandatory liability plus partial casco and full casco for private vehicle owners. Offered in Compact and Advanced tariffs, with optional add-ons including electric/hybrid vehicle coverage (charging equipment, battery diagnostics, wallboxes), GAP coverage for leased vehicles, Mobilitätsschutz (mobility protection), Fahrerschutz (driver protection), JurDrive legal-protection add-on, and Rabattschutz (no-claim bonus protection); includes a self-bequote waiver (Kasko Pur) for 4-year claim-free policies.
• Privathaftpflichtversicherung — Personal Liability Insurance Personal liability insurance protecting policyholders against third-party claims for personal, property, and financial damages. Available in three product lines: onlineFit (basic), onlinePlus (enhanced), and onlineMax (premium), with optional add-ons Multi-Garantie and Online-Schutz (cyber protection). Coverage sums available at €10, €20, and €50 million with international coverage, Mietsachschäden and key-loss options varying by tier.
• Hausratversicherung — Household Contents Insurance Home contents insurance covering damage to or loss of household items within the insured residence for private households.
• Wohngebäudeversicherung — Residential Building Insurance Building insurance protecting homeowners against damage to residential buildings, including structural elements and fixtures.
• Unfallversicherung — Accident Insurance Accident insurance providing financial protection against injuries and disability resulting from accidents. Available in Best Selection and Balance variants, with a Leistungs-Update (performance update) enhancing coverage and benefits.
• Zahnzusatzversicherung JA dentalplus — Dental Supplementary Insurance Dental supplementary insurance covering costs not paid by statutory health insurance. Offered in multiple coverage levels (75, 90, 100plus) with JA dentalplus (launched September 2021) and additional tariff variants (JA dental max, JA dental), each carrying top ratings from Levelnine/Objective IT, Morgen & Morgen, and ASCORE.
• Krankenhauszusatzversicherung — Hospital Supplementary Insurance Hospital supplementary insurance enhancing coverage for inpatient care beyond statutory health insurance, with a premium reduction effective April 1, 2021 applied to the Kranken­zusatz line.
• Hundehalterhaftpflichtversicherung — Dog Owner Liability Insurance Liability insurance specifically designed for dog owners, covering damages caused by their pets.
• Pferdehalterhaftpflichtversicherung — Horse Owner Liability Insurance Liability insurance for horse owners covering damages caused by horses, including riding accidents.
• Fahrradversicherung — Bicycle and E-Bike Insurance Bicycle insurance covering theft and damage to bicycles and e-bikes, recognized by Stiftung Warentest with a very-high rating for theft protection and additional coverage.
• Berufshaftpflichtversicherung — Professional Liability Insurance for Physicians Professional liability insurance for physicians and medical professionals, protecting against claims arising from medical practice.
• Berufshaftpflicht Jungmediziner — Professional Liability Insurance for Young Physicians Specialized professional liability insurance designed for young physicians and medical students, with coverage tailored to early-career medical professionals.
• Multi-Rente — Multi-Pension Product Multi-pension product providing flexible retirement and financial planning solutions.
• Online-Schadenmeldung — Online Damage Reporting Service Digital damage reporting service enabling customers to file insurance claims quickly and completely online across desktop, tablet, and smartphone.
• Werkstattmanagement — Workshop Management Service Workshop management service for Kfz damage repair, coordinating repairs at partner workshops with guarantees on workmanship (multi-year guarantee through partner workshops).
• Janitos Maklerportal — Broker Self-Service Portal Broker portal providing complete workflow management including quote generation, online application processing, real-time coverage confirmation, contract and claims viewing, GDV-standard data export, and eVB retrieval for approximately 23,000 sales partners.

Quantifiable outcome

• 740,000 managed contracts through 23,000 broker partners
• +1 more outcomes

Named customers3 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

Integration1 record

Feature5 records

Partnerships

Eight partnerships are on record, tiered minor and core.

• AMC Finanzmarkt GmbHminorStrategic or Co-development PartnerMembership in AMC Finanzmarkt GmbH - forum for financial market professionals.
• Arbeitgeberverband der Versicherungsunternehmen in Deutschland e. V.minorStrategic or Co-development PartnerMembership in employers' association of German insurance companies.
• BiPRO e.V. (Branchinstitut für Prozessoptimierung)minorStrategic or Co-development PartnerMembership in BiPRO - institute for process optimization in insurance. Janitos won 2nd place in BiPRO Award 2019 Provider category and 5 stars as Top-Anwender for IT communication.
• Charta der VielfaltminorStrategic or Co-development PartnerJanitos signed the Charter for Diversity (Charta der Vielfalt) in May 2020, committing to diversity in the workplace.
• Code of Conduct (GDV - Gesamtverband der Deutschen Versicherungswirtschaft)coreStrategic or Co-development PartnerJanitos joined the Code of Conduct of German insurance industry with effect from 01.01.2014, committing to data protection standards and consumer privacy.
• bbg Betriebsberatungs GmbHminorChannel Partner/ Reseller/ DistributorMembership in bbg operating group - broker consulting company.
• Hellwach mit 80 km/h e. V.minorStrategic or Co-development PartnerMembership in road safety initiative promoting awareness at 80 km/h.
• GSC Service- und Controlling GmbHminorImplementation/ SI/ Consulting PartnerService and controlling company located at Bahnhofsplatz, 96450 Coburg.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• ARAG SE: ARAG is a Düsseldorf-based insurer specialising in legal protection (Rechtsschutz) plus liability and health products distributed via brokers and direct channels. Comparable broker distribution and German regulatory environment; specialty tilt similar to Janitos.
• HUK-COBURG Versicherungsgruppe: HUK-COBURG is one of Germany's largest P&C insurers (motor, liability, household, legal protection) competing across the broker and direct channels. Much larger scale than Janitos; competes head-on with Janitos in Kfz and personal lines pricing.
• Versicherungskammer Bayern (Bayerische Versicherung): Versicherungskammer Bayern is a large German public-insurer group offering property, casualty and health lines through tied agents and brokers. Broad incumbent comparable in product mix to Janitos though scaled differently and region-anchored.
• Allianz Versicherungs-AG (Germany): Allianz Germany is the dominant full-line insurer serving both direct and broker channels. Serves as the broad incumbent that Janitos competes against in personal P&C lines and the broker channel.

Direct peers

• LVM Versicherung: LVM is a Münster-based mutual insurer distributing personal P&C through tied agents in regional German markets. Same product set as Janitos (Hausrat, Wohngebäude, Kfz, Haftpflicht, Unfall) and similar mid-size competitive positioning.
• Württembergische Versicherung: Württembergische is a Stuttgart-based German P&C insurer selling personal lines (Hausrat, Wohngebäude, Haftpflicht, Unfall) through tied agents and brokers. Direct product overlap with Janitos across household, building and personal liability.
• Concordia Versicherungen: Concordia is a Hannover-based mutual insurer distributing personal and small-commercial P&C through brokers and tied agents in Germany. Overlap with Janitos on household, liability and accident products, similar German broker-channel focus.
• InterRisk Versicherungs-AG: InterRisk is a Wiesbaden-based broker insurer focused on affinity groups and the German broker channel, offering liability, motor and casualty lines. Same broker-only distribution model and similar niche specialist positioning to Janitos.
• Ideal Versicherung AG: Ideal Versicherung is a Berlin-based German insurance group distributing through brokers with a comparable personal-lines P&C product set. Direct structural and channel parallel to Janitos Maklerversicherer model.
• VHV Versicherung: VHV is a Hannover-based, broker-focused P&C insurer (Maklerversicherer) in Germany with overlapping product lines in motor, household, building, and liability. Same channel, same regulatory regime, same customer type — directly comparable to Janitos.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/janitos_de

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Janitos Versicherung