Klöber

What Klöber does

Klöber Versicherungsmakler GmbH is a family-owned German insurance broker headquartered in Darmstadt with a secondary office in Mannheim, operating under the slogan 'THE COMPANY OF GANZ SICHER.' Founded in 2000 by Horst and Kevin Klöber, the company serves three customer segments: property managers and real estate owners (its flagship specialization), commercial businesses, and private individuals, distributing coverage for property, liability, motor, fleet, cyber, business interruption, and pension products across all 16 German states. Two wholly owned subsidiaries — Klöber Versicherungsmakler Gewerbe GmbH and Klöber Versicherungsmakler Privat GmbH — segment the commercial and private books.

The company generates revenue primarily through insurance brokerage commissions earned on policies placed and renewed with partner insurers; quote-based pricing is disclosed for select products (e.g., €55 per residential unit/year for WEG legal expenses, from €84/year for professional indemnity, €285.60/year for Klöber-Drive). Its technology stack centers on a proprietary customer portal, SchadenFux24 (a third-party digital claims handling platform presented as a network partner and integrated into Klöber's workflow), Simplr (a digital document organizer for private clients), and the Klöber-Drive vehicle product. A Klöber Family loyalty program ties policyholder benefits to the relationship.

Go-to-market is sales-led and direct: personal consultation without automated menus, on-site account managers, dedicated single points of contact, and digital self-service via the customer portal and SchadenFux24. Marketing combines content, performance ads on Google and Meta, employer branding via Kununu, regional community sponsorship (SV Darmstadt 98), the long-running STAY FRESH education event for property managers (16 consecutive years), and partnerships with regional industry associations (VDIV Hessen, VDIV Rheinland-Pfalz/Saarland) and proptech partners (Casavi, Faciloo, Blau Direkt, Immocation). The company reports 200,000+ insured residential and commercial units, 10,000+ claims processed annually, and ~80 employees.

Name

Klöber

Legal name

Klöber Versicherungsmakler GmbH

Website

https://kloeber-vm.de

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Klöber Versicherungsmakler is a family-owned German insurance broker based in Darmstadt, serving property managers, commercial businesses, and private individuals with property, commercial, and personal insurance distributed through direct sales, supported by proprietary digital tools including the Kundenportal and SchadenFux24 claims platform.

Ownership category

akta.pro rank

Headquarters

HQ city

Darmstadt

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Klöber operates as an insurance broker (Versicherungsmakler), generating revenue primarily through commissions paid by insurance companies on policies placed and maintained. The company arranges property, commercial, and private insurance policies and earns commission on each policy.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Klöber is an independent insurance broker (Versicherungsmakler) that arranges property, commercial, and private insurance policies as well as pension and wealth products for German customers. The company develops proprietary digital tools—SchadenFux24 for one-click digital claims handling, the Klöber Kundenportal for policy access, and Simplr for digital document organization—around its core advisory and brokerage service. Dedicated specialty offerings include Klöber-Drive (flat-rate vehicle insurance for young drivers) and Lilien-Police (private insurance product via Blau Direkt partnership), wrapped in the Klöber Family loyalty program.

Product overview

Klöber Versicherungsmakler GmbH is a full-service insurance broker offering a comprehensive portfolio of insurance and wealth management products across three main customer segments: property/real estate (Immobilien), commercial/business (Gewerbe), and private individuals (Privat). The company provides advisory services and tailored insurance solutions, supported by digital tools including the SchadenFux24 claims management platform, the Klöber Kundenportal customer portal, and the Klöber Family loyalty program. Their digital ecosystem also includes Klöber-Drive (specialty vehicle insurance for young drivers), Simplr (digital document management), and Lilien-Police (special insurance product via Blau Direkt partnership). The offering is completed with Vorsorge & Vermögen (pension and wealth management) products, positioning Klöber as an all-in-one partner for insurance and financial planning needs in the Rhein-Main region of Germany.

Differentiator

Problem solved

Functional benefit

Brands

• SchadenFux24: Digital damage management platform enabling customers to report insurance claims quickly and track their status.
• Simplr
• Klöber-Drive
• Lilien-Police
• Klöber Family
• STAY FRESH

Products and services

• Immobilien-Versicherungen (Property Insurance Brokerage) Specialized insurance brokerage service for German property managers, housing companies (WEG), and real estate owners, providing portfolio-grade property insurance including asset liability, business liability, WEG legal protection, contents, cyber, construction performance, and rental deposit coverage for multi-unit residential and commercial properties.
• Gewerbeversicherungen (Commercial Insurance Brokerage) Comprehensive commercial insurance brokerage package for self-employed professionals, small and mid-sized German businesses, covering liability, professional indemnity, commercial building, fleet, business contents, electronics, machinery breakdown, cyber, assembly, business interruption, construction, developer liability, and surety/bond insurance.
• Privatversicherungen (Private Insurance Brokerage) Personal insurance brokerage for German individuals and families across personal liability, motor liability and full/partial comprehensive, foreign health, builder liability, boats, water damage liability, house and property owner liability, dog/horse owner liability, building, property legal protection, household, dog/horse OP, supplementary health, photovoltaic, travel cancellation, vacation property, and art insurance.
• Vorsorge & Vermögen (Pension and Wealth Brokerage) Pension and wealth brokerage service offering basic pension (Basisrente), private annuity, immediate annuity, private health insurance, supplementary health, private occupational disability, term life, company pension scheme, company health management, and company pension for partners and managing directors.
• SchadenFux24 (Digital Claims Management Platform) Digital damage reporting and claims management platform that lets customers report insurance claims with a single click, provides structured and efficient claims handling with transparency for both property managers and owners/tenants, and is integrated into Klöber's workflow for rapid processing.
• Klöber Kundenportal (Customer Portal) Online customer portal providing Klöber insurance clients with access to policy data, contract information, insured objects, damage reports, and personal contacts, including Klöber Family loyalty-program access.
• Klöber-Drive Vehicle Insurance Specialized motor vehicle insurance product enabling young drivers to be insured to drive any car, motorhome, or motorcycle for a flat €285.60 annual premium.
• Simplr (Digitaler Aktenordner) Digital document organizer ("Digitaler Aktenordner") for private customers to manage and store insurance documents digitally, enabled via the Blau Direkt partnership.
• Lilien-Police Private Insurance Product Specialized insurance product for private customers, offered in partnership with Blau Direkt.

Quantifiable outcome

• 10,000+ claims processed annually with efficient digital damage management
• +3 more outcomes

Named customers4 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

Feature5 records

Partnerships

Six partnerships are on record, tiered minor and core.

• SV Darmstadt 98minorGTM or Marketing PartnerKlöber is a proud sponsor (stolzer Partner) of SV Darmstadt 98, the local football club. The partnership serves as a community engagement and brand visibility tool in the Rhein-Main region. The club's 'Lilien' (lilies) branding is referenced across company communications.
• SchadenFux24 (SchadenFux)coreTechnology or IntegrationSchadenFux24 is a network partner providing a digital damage/claims management platform. Klöber offers this platform to its customers free of charge, enabling fast, digital, and transparent claims handling. The platform integrates into Klöber's service workflow and provides time-stamped documentation and automatic insurance workflow management.
• Westbridge Advisory GmbHminorStrategic or Co-development PartnerNetwork partner presented in the 'Klöber stellt vor' series, providing advisory services in the real estate sector. Part of the long-standing network in property management.
• VDIV Hessen e.V. (Verband der Immobilienverwalter Hessen)minorGTM or Marketing PartnerKlöber partners with VDIV Hessen offering exclusive membership benefits to property managers including continuing education, expert knowledge, peer exchange, and free use of the VDIV logo. New members have the registration fee waived.
• VDIV Rheinland-Pfalz/Saarland e.V.minorGTM or Marketing PartnerSimilar partnership with VDIV regional association for Rhineland-Palatinate/Saarland, offering exclusive membership advantages for property managers.
• Kanzlei Michaelis RechtsanwälteminorImplementation/ SI/ Consulting PartnerKlöber is advised and represented by Kanzlei Michaelis Rechtsanwälte for liability protection matters. The firm provides the 'MaklerProtekt' complaint form for Klöber.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Funk Gruppe: Largest independent German insurance broker, headquartered in Hamburg. Directly comparable as a full-service insurance broker serving commercial and property clients across Germany, though operating at significantly larger scale and with broader geographic reach.
• MRH Trowe: Frankfurt-based independent insurance and risk broker serving mid-market German companies. Comparable business model (Versicherungsmakler), customer base overlap (commercial/SME), and similar Rhein-Main regional focus.
• Ecclesia Gruppe: German insurance broker group with deep specialization in niche segments (healthcare, churches, public sector). Comparable as a multi-segment independent broker with proprietary claims handling capabilities and similar commission-driven economics.
• SÜDVERS: German insurance broker specialized in commercial and property insurance for SMEs and mid-market firms. Closely comparable in customer segment focus, Versicherungsmakler model, and mid-sized independent positioning.
• Blau Direkt: German insurance broker platform that Klöber partners with to access additional product options and the Simplr app. Operates a hybrid broker-tech model serving retail and SME customers, comparable in customer base though more platform-driven.

Broad incumbents

• Aon Germany: German arm of global insurance broker Aon. Competes with Klöber in commercial and property insurance placement but operates at far greater scale with global capabilities, larger carrier relationships, and broader service portfolio.
• Marsh Germany: German operations of Marsh McLennan, one of the world's largest insurance brokers. Overlaps with Klöber in commercial property and casualty placement, but addresses enterprise clients with global risk consulting capabilities.
• Willis Towers Watson Germany: WTW's German insurance brokerage practice competes with Klöber in commercial property and risk advisory. A larger, more diversified incumbent with broader product set and global delivery.

Emerging players

• JDC Group (Jung, DMS & Cie.): German insurance tech platform providing broker infrastructure, product aggregation, and digital tools to independent advisors. Comparable as an emerging player modernizing the traditional Versicherungsmakler model that Klöber operates within.
• Wefox: Berlin-based digital insurance platform targeting private and SME customers with a fully online experience. Adjacent competitor for Klöber's private segment, representing the insurtech disruption vector the firm must defend against.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/hkkloeber
• LinkedInlinkedin.com/company/h-k-klöber-versicherungsmakler-gmbh
• Instagraminstagram.com/kloeber_vm

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 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 Klöber