What DEURAG does

DEURAG Deutsche Rechtsschutz-Versicherung AG is a German specialist insurer focused exclusively on legal expenses insurance (Rechtsschutzversicherung), operating as a wholly-owned subsidiary of the SIGNAL IDUNA Gruppe and headquartered in Wiesbaden. Founded in 1956, the company has built over six decades of single-line expertise across six modular coverage areas: Privatrechtsschutz, Berufsrechtsschutz, Verkehrsrechtsschutz, Wohnrechtsschutz, Vermieterrechtsschutz, and Reiserechtsschutz, plus a commercial product (JurChoice Gewerbe-Rechtsschutz) targeting self-employed professionals and businesses. These are offered under two tariff lines (SAFE premium and FREE entry-level) with three deductible models (SB Fix, SB Vario, SB Bonus), and supplemented by adjacent landlord products such as Mietausfallversicherung and Mietnomadenversicherung.

The company's core technology is a web-based insurance platform featuring an online customer center, online calculators (Prozesskostenrechner, Bußgeldrechner), a broker search tool, and an ecosystem of value-added service benefits including legal consultation via DAHAG Rechtsservices AG, contract review (VertragsCheck), website compliance checks (WebsiteCheck), telephone legal advice, document templates, and the AuskunftPLUS creditworthiness service integrated through First Debit. There is no AI/ML capability evident in the disclosed technology stack.

DEURAG generates revenue through recurring monthly or annual insurance premiums, priced individually by coverage module, deductible model, and customer segment. Distribution is hybrid: a nationwide network of independent insurance brokers and intermediaries serves as the primary channel (supported by field sales for commercial clients and dedicated broker self-service tools), while private customers can also calculate and purchase the bundled Privatkunden product directly online. The company serves both individual households (single and family tariffs) and commercial clients, with customers ranging across private individuals, families, vehicle owners, private landlords, public sector employees, and SMBs. DEURAG operates under BaFin supervision, is a member of Versicherungsombudsmann e.V., and has earned multiple 2024-2025 industry recognitions including Focus Money Sehr Gut, Franke und Bornberg FFF, Ascore 6/6 compasses, Makler Champion Gold, and VEMA first place in landlord legal protection.

Name

DEURAG

Legal name

DEURAG Deutsche Rechtsschutz-Versicherung AG

Website

https://deurag.de

Company type

Private

Founded year

1965

Operating status

Operating

Headcount range

251–500 employees

Short description

DEURAG is a German specialist legal expenses insurance (Rechtsschutzversicherung) company and wholly-owned subsidiary of SIGNAL IDUNA Gruppe, offering modular coverage for private individuals, families, freelancers, and businesses through a broker network and direct online channel, supplemented by legal-advice and credit-check service benefits.

Ownership category

akta.pro rank

Headquarters

HQ city

Wiesbaden

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Legal Expenses Insurance Premiums: DEURAG generates revenue through recurring insurance premiums from legal expenses insurance policies. Customers pay regular premiums (monthly or annually) in exchange for coverage of legal costs across various life areas including private, professional, traffic, residential, landlord, and business legal protection. The company offers different deductible models (SB Fix, SB Vario, SB Bonus) that affect premium pricing.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

DEURAG Deutsche Rechtsschutz-Versicherung AG is a German legal protection insurance company headquartered in Wiesbaden that specializes exclusively in Rechtsschutzversicherung (legal expenses insurance). The company offers a modular portfolio of private and commercial legal protection policies covering private life, occupation, traffic, housing, landlord, travel, and commercial legal risk, distributed primarily through independent brokers and direct online channels.

Product overview

DEURAG is a specialist legal protection (Rechtsschutz) insurance company with over 60 years of expertise, operating as a subsidiary of the SIGNAL IDUNA Gruppe. Its product portfolio is structured as a modular system built around its core Rechtsschutz insurance products, which are available in two main tariff lines: SAFE (premium) and FREE (entry-level), each with three deductible models (SB Fix, SB Vario, SB Bonus). The core individual coverage modules — Privatrechtsschutz, Berufsrechtsschutz, Verkehrsrechtsschutz, Wohnrechtsschutz, Vermieterrechtsschutz, and Reiserechtsschutz — can be purchased individually or combined. The bundled Privatkunden product combines Privatrechtsschutz, Berufsrechtsschutz, and Verkehrsrechtsschutz as a popular package. For business customers, the JurChoice Gewerbe-Rechtsschutz provides comprehensive commercial legal protection including the policyholder's family. Beyond insurance coverage, DEURAG offers an ecosystem of service benefits including a Prozesskostenrechner, Bußgeldrechner, WebsiteCheck, VertragsCheck, Online-Rechtsberatung, Telefonische Rechtsberatung, Mustertexte & Formulare, and AuskunftPLUS (credit check service). Supplementary insurance products such as Mietausfallversicherung and Mietnomadenversicherung are also referenced for landlord protection.

Differentiator

Problem solved

Functional benefit

Products and services

• Privatrechtsschutz Private legal protection insurance covering legal disputes in private life matters such as family, consumer, and neighbor disputes; targeted at private individuals and families in Germany.
• Verkehrsrechtsschutz Traffic legal protection insurance covering disputes related to road traffic, vehicle ownership, driving offenses, and accidents; targeted at private vehicle owners and drivers in Germany.
• Berufsrechtsschutz Occupational legal protection insurance covering employment-related disputes such as wrongful termination, salary claims, and workplace conflicts; targeted at employees, civil servants, and self-employed professionals.
• Wohnrechtsschutz Housing legal protection insurance covering disputes between tenants and landlords related to rental agreements, rent increases, utility charges, and neighbor conflicts; targeted at tenants and owner-occupiers in Germany.
• Vermieterrechtsschutz Landlord legal protection insurance covering disputes arising from rental and lease relationships on the landlord side, including eviction proceedings and rent recovery; targeted at private and commercial landlords in Germany.
• Reiserechtsschutz Travel legal protection insurance covering legal disputes arising from travel arrangements such as package holidays, flight cancellations, and travel provider disputes; targeted at private travelers in Germany.
• JurChoice Gewerbe-Rechtsschutz Commercial legal protection insurance bundling employment law, contract law, tax advisor, internet, and criminal defense modules into a tailored coverage package; targeted at freelancers, self-employed professionals, and small-to-mid-sized businesses in Germany.
• Mietausfallversicherung Rental default insurance covering landlords against loss of rental income when tenants fail to pay rent; targeted at private and commercial landlords in Germany.
• Mietnomadenversicherung Rental fraud insurance covering landlords against damage and unpaid rent caused by fraudulent tenants; targeted at private and commercial landlords in Germany.

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core, major and minor.

• SIGNAL IDUNA GruppecoreOthersSIGNAL IDUNA Gruppe is the parent company of DEURAG Deutsche Rechtsschutz-Versicherung AG. DEURAG operates as a wholly owned subsidiary within the SIGNAL IDUNA insurance group, which provides the broader corporate structure, capital backing, and distribution synergies.
• DAHAG Rechtsservices AGmajorTechnology or IntegrationDAHAG Rechtsservices AG is DEURAG's technology partner providing an online document center for template contracts and forms, as well as the online legal advice platform where DEURAG customers can submit legal questions and receive responses from independent lawyers. The service is provided free of charge to DEURAG customers.
• VISTEC Internet Service GmbHminorImplementation/ SI/ Consulting PartnerVISTEC Internet Service GmbH handles the administration and technical maintenance of DEURAG's website, functioning as the web development and IT services partner.
• ALEGOS RechtsanwälteminorStrategic or Co-development PartnerALEGOS Rechtsanwälte is a partner law firm that reviews DEURAG's blog articles on legal topics for accuracy and correctness before publication, providing expert legal validation for consumer-facing content.
• VETO Rechtsanwaltsgesellschaft mbHminorStrategic or Co-development PartnerVETO Rechtsanwaltsgesellschaft mbH is a partner law firm that reviews DEURAG blog articles for legal accuracy, contributing expert validation of content on legal topics such as guardianship.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• R+V Versicherung AG: R+V is a major German multi-line insurer (part of the cooperative financial network) offering Rechtsschutzversicherung alongside life, health, and P&C products. Comparable as a competitor with strong bank-affiliated distribution reach across Germany.
• HUK-COBURG Versicherungsgruppe: HUK-COBURG is one of Germany's largest multi-line insurers offering legal expenses insurance among its broad portfolio. Comparable as a competitor with stronger direct-channel and member-owned governance advantages versus DEURAG's specialist positioning.
• VHV Versicherungen: VHV is a German insurer offering legal expenses protection as part of its broader commercial and personal lines portfolio. Comparable as a competitor with strong construction and SME business ties that overlap with DEURAG's JurChoice commercial segment.
• Zurich Insurance plc Niederlassung Deutschland: Zurich operates in Germany as a broad multi-line insurer offering legal expenses insurance within its wider portfolio. Comparable as a competitor leveraging global brand and enterprise capabilities versus DEURAG's specialist focus.
• Allianz Versicherungs-AG: Allianz offers Rechtsschutzversicherung as part of its broad multi-line German insurance portfolio, leveraging scale advantages in distribution and brand. Comparable as a competitor on the same product lines but with cross-sell benefits DEURAG cannot match.

Direct peers

• ARAG SE: ARAG is the world's largest specialist legal expenses insurance company and the German market leader in Rechtsschutzversicherung. Directly comparable to DEURAG as a specialty insurer offering private, commercial, and traffic legal protection with similar product modularity and broker-plus-direct distribution.
• Concordia Versicherungsgesellschaft a.G. Concordia is a German mutual insurer with legal expenses insurance as part of its offering, including notable strength in landlord and tenant law coverage similar to DEURAG's Vermieterrechtsschutz line. Comparable as a competitor with mutual-governance structure.
• Roland Rechtsschutz-Versicherungs-AG: Roland is a specialist legal expenses insurer in Germany with strong private-customer and commercial Rechtsschutz offerings, plus its own Roland Rechtsservice legal advice platform — closely mirroring DEURAG's insurance-plus-legal-services model.
• D.A.S. Rechtsschutz Versicherungs-AG: D.A.S. is one of Germany's largest legal expenses insurance specialists (within the ERGO/Victoria group of Munich Re), offering private, professional, traffic, and landlord legal protection. Direct competitor with overlapping product structure, broker distribution model, and digital claims tools.
• Advocard Rechtsschutzversicherung AG: Advocard is a specialist legal expenses insurer owned by Generali Deutschland, focused exclusively on Rechtsschutzversicherung for private and commercial customers. Comparable as a single-line legal protection specialist competing in the same German market segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Deurag-1448582145234727
• LinkedInlinkedin.com/company/deurag

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 DEURAG