DMB Rechtsschutz

What DMB Rechtsschutz does

DMB Rechtsschutz-Versicherung AG is a Germany-based, konzernunabhängig (group-independent) specialist insurance company that has underwritten legal protection (Rechtsschutz) policies since its founding in 1982 by the Deutscher Mieterbund (DMB, German Tenants' Association). Headquartered in Cologne at Bonner Straße 323, the company serves more than 800,000 customers nationwide with a portfolio of modular products covering private law, employment law, traffic/mobility law, and residential/rental law disputes, alongside a separate business-customer (Gewerbe) line. Its core product range splits into "Klassisch" (Classic) coverage starting from EUR 7.18 per month and the ESG-oriented "YOLIG" sustainable variant starting from EUR 11.46 per month, with premium tiers such as SECUROpremium, SECUROplus, EXPERT, PRESTIGE, Schnell & Sicher, KOMPEX/KOMPEXplus, and KOMedEX. The company claims long-standing market leadership in Miet-Rechtsschutz (rental legal protection) and achieved climate-neutral operations across Scopes 1–3 in 2010 under the GHG Protocol.

The technical platform consists of a direct-to-consumer website with online quote calculators (Angebotsrechner) advertised to deliver coverage in approximately 4 minutes, a Maklerportal (broker portal) for the independent agent channel, and an OpenAI-powered chatbot operated on the 2-Sigma platform and hosted on Deutsche Telekom's Open Telekom Cloud infrastructure. All policies include bundled service features: DMB RECHT-Hotline (lawyer-staffed telephone legal advice), DMB RECHT-Mail (asynchronous legal inquiry), DMB RECHT Einigungshilfe (mediation), Vorsorge-Assistent (advance care directives), Testaments-Assistent (will creation), Cyber-Check (security assessment), Soforthilfe nach Cybermobbing (cyberbullying hotline), and Prozesskostenrechner (litigation cost calculator). Business customers additionally receive the DMB RECHT Forderungshilfe debt-collection service, delivered through partner CRIF.

DMB Rechtsschutz monetizes exclusively through recurring monthly or annual insurance premiums across consumer, commercial, and DMB-Mieterverein member segments. Go-to-market is a hybrid direct/affiliate/broker motion: direct website sales, comparison platforms (notably Check24, where SECUROpremium scored a 1.8 "GUT" Tarifsnote in October 2024), the Maklerportal for independent brokers, and the DMB Mietervereine membership channel that provides a captive, trust-based acquisition pathway. Marketing is executed primarily through Google Ads (managed by PiAL Consult GmbH), SEO/organic search, and Matomo analytics, with a small staff of 51–100 employees supporting the operation.

Name

DMB Rechtsschutz

Legal name

DMB Rechtsschutz-Versicherung AG

Website

https://dmb-rechtsschutz.de

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

51–100 employees

Short description

DMB Rechtsschutz is a Cologne-based, independent German legal protection insurance specialist founded in 1982 by the Deutscher Mieterbund, serving more than 800,000 private and commercial customers with modular Rechtsschutz coverage starting from EUR 7.18 per month.

Ownership category

akta.pro rank

Headquarters

HQ city

Cologne

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, Others

Revenue model

1. Legal Protection Insurance Premiums: DMB Rechtsschutz generates revenue through recurring insurance premiums paid by policyholders. Customers choose from various product tiers (Klassisch/SECUROpremium and Nachhaltig/YOLIG) covering private, mobility, employment, traffic, and residential legal matters. Pricing starts at EUR 7.18/month for the classic product and EUR 11.46/month for the sustainable YOLIG product. Premiums are billed on a recurring basis (monthly or annual).

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

DMB Rechtsschutz sells subscription-based legal protection insurance (Rechtsschutzversicherung) for private individuals, business customers, and members of the Deutscher Mieterbund (German Tenants' Association). The company offers modular coverage for private, employment, mobility/traffic, and residential/rental legal disputes, supplemented by bundled services such as a telephone legal advice hotline (DMB RECHT-Hotline), email legal inquiries, mediation, and online will/advance directive creation tools.

Product overview

DMB Rechtsschutz is a legal protection (Rechtsschutz) insurance specialist offering a portfolio of modular insurance products for private customers, business customers, and members of DMB Mietervereine (German Tenants' Associations). The core product range is divided into two main lines: (1) Klassischer Rechtsschutz (Classic Legal Protection) — covering Privatrecht, Arbeitsrecht, Verkehrsrecht, and Wohnen (rental/residential law), with flagship product SECUROpremium rated 1.8 (Good) by Check24, starting at 7.18 EUR/month; and (2) YOLIG (Nachhaltiger Rechtsschutz) — a sustainable legal protection variant priced from 11.46 EUR/month, with ESG-focused benefits including reduced premiums for electric vehicles and coverage for renewable energy installations. All products are bundled with free service features including the DMB RECHT-Hotline (telephone legal advice), DMB RECHT-Mail (online legal inquiry), DMB RECHT Einigungshilfe (mediation), Vorsorge-Assistent (advance care document creation), and Testaments-Assistent (will creation). For business customers, the offering includes commercial legal protection plus DMB RECHT Forderungshilfe (debt collection via CRIF) and credit information services. The company also provides a Kfz-Schutzbrief (motor protection certificate) in partnership with Mobil in Deutschland eV.

Differentiator

Problem solved

Functional benefit

Brands

• YOLIG: A sustainable legal expense insurance product for individuals who value environmentally conscious living and sustainability factors. Features include reduced premiums for electric or alternative vehicles, legal protection for photovoltaic, solar, and wind energy systems, and mobility coverage for those without a car. For each YOLIG contract, DMB Rechtsschutz donates 2.50 euros to environmental and climate protection projects.
• SECUROpremium
• SECUROplus
• EXPERT
• PRESTIGE
• Schnell & Sicher
• KOMPEX/KOMPEXplus
• KOMedEX

Products and services

• Klassischer Rechtsschutz (Classic Legal Protection) Modular private legal protection insurance covering Privatrecht (private law), Arbeitsrecht (employment law), Verkehrsrecht (traffic law), and Mietrecht/Wohnen (rental/residential law) disputes. Customers can choose individual modules or a combined package. Priced from EUR 7.18 per month.
• YOLIG (Nachhaltiger Rechtsschutz / Sustainable Legal Protection) Sustainable legal protection insurance product for consumers prioritizing environmentally conscious living. Includes reduced premiums for electric/alternative-drive vehicles, legal protection for photovoltaic/solar/wind energy installations, and mobility coverage for those without a car. DMB Rechtsschutz donates EUR 2.50 per contract year to climate protection projects. Priced from EUR 11.46 per month.
• Privat-Rechtsschutz (Private Legal Protection) Legal protection covering everyday risks such as online shopping disputes, defective solar panel installations, unauthorized use of personal data on the internet, damage caused by moving companies, and travel-related disputes with tour operators or hotels. Covers lawyer fees, court costs, criminal bail, and expert witness costs.
• Mobilitäts-Rechtsschutz (Mobility Legal Protection) Legal protection for road users covering disputes involving electric bikes with insufficient battery range, traffic fines and driving bans, and commercial car-sharing damage claims. Available as a standalone module or within broader coverage.
• Berufs-Rechtsschutz (Employment Legal Protection)

Quantifiable outcome

• Check24 rating of 1.8 (GUT) for SECUROpremium product (October 2024)
• +3 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

AI capability2 records

Feature10 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• CRIF (CRIFBÜRGEL)coreTechnology or IntegrationCRIF provides professional debt collection management and credit information services for DMB Rechtsschutz commercial policyholders. Services include receivables management, economic credit information, and debt collection via personal contact (Klaus Langer as named account manager). This is a key service component for the business customer segment.
• mobil in Deutschland e.V.minorStrategic or Co-development PartnerPartnership with mobil in Deutschland e.V. (association for mobility in Germany) to provide a Kfz-Schutzbrief (motor protection certificate) as part of the traffic legal protection product, offering quick roadside assistance in case of breakdown or accident.
• OpenAIcoreTechnology or IntegrationOpenAI provides AI language models powering the DMB Rechtsschutz website chatbot. The chatbot uses publicly accessible website content as its knowledge base to answer customer questions automatically about products and services.
• 2-Sigma (Chatbot platform operator)coreTechnology or Integration2-Sigma operates the chatbot platform used on the DMB Rechtsschutz website. When the chatbot is accessed, scripts and resources from 2-Sigma are loaded, with the user's IP address transmitted to their servers.
• Deutsche Telekom AG (Open Telekom Cloud)coreTechnology or IntegrationDeutsche Telekom AG provides infrastructure hosting via the Open Telekom Cloud for the chatbot service, ensuring data processing within Germany/EU infrastructure.
• PiAL Consult GmbHcoreGTM or Marketing PartnerPiAL Consult GmbH (Hamburg) manages Google Ads campaigns, Google Tag Manager, Google Analytics, Matomo, and consent management tools on behalf of DMB Rechtsschutz. They handle setup, management, optimization, and analysis of digital marketing activities.
• Google Ireland Limited / Google LLCcoreTechnology or IntegrationGoogle provides Google Ads advertising platform and Google Tag Manager for digital marketing. Google Ireland Limited processes data in the EU; Google LLC (USA) may receive data under the EU-U.S. Data Privacy Framework adequacy decision.
• concludis GmbHcoreTechnology or Integrationconcludis GmbH (Cologne) operates the applicant portal (Bewerberportal) for DMB Rechtsschutz's careers section. They also handle service and maintenance of the applicant management software, including potential telephone consulting for software handling. A data processing agreement (AVV) covers confidentiality of applicant data.
• Hetzner Online GmbHcoreTechnology or IntegrationHetzner Online GmbH (Gunzenhausen, Germany) provides server hosting for the concludis applicant management portal, ensuring data processing on German servers.
• Andrea Cravatzo / CRAVATZO - PersonalberatungcoreChannel Partner/ Reseller/ DistributorCRAVATZO serves as the external recruitment consultant for DMB Rechtsschutz, handling aspects of the application process. Job applications are directed through the concludis portal with support from Andrea Cravatzo. Recruitment-related data processing includes their involvement, and applicants can contact them directly for data withdrawal.
• Deutscher Mieterbund (DMB) (German Tenants' Association)coreStrategic or Co-development PartnerDMB Rechtsschutz was founded by the Deutscher Mieterbund in 1982 and operates as its affiliated insurance company. The DMB Mietervereine network provides a major distribution channel for legal protection products targeted at tenants. This is a foundational strategic relationship at the core of DMB Rechtsschutz's business model.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Debeka: Large German mutual insurer with a sizable legal protection offering alongside health, life, and property-casualty lines. Provides an alternative to DMB Rechtsschutz for consumers seeking one-stop, multi-line coverage.
• HUK-COBURG: Major German mutual insurer offering legal protection as part of a broad portfolio (auto, home, life, legal). Overlaps with DMB on Rechtsschutzversicherung but cross-subsidizes pricing through its larger multi-line book.
• Allianz Versicherung: One of Germany's largest general insurers offering private and commercial legal protection as part of its multi-line portfolio. Competes with DMB Rechtsschutz at the price-comparison and broker channels but as an incidental product within a much broader book.

Direct peers

• ARAG: Germany's largest dedicated legal protection insurer, offering private, commercial, and traffic Rechtsschutzversicherung across all the same product modules (private, employment, traffic, residential) as DMB Rechtsschutz. Direct head-to-head competitor for the same German consumer base.
• Advocard Rechtsschutz: Legal protection specialist within the Generali Group, selling modular private and commercial Rechtsschutzversicherung in Germany. Competes directly with DMB Rechtsschutz on product structure, distribution through brokers and direct channels, and Check24 price comparison.
• ROLAND Rechtsschutz: Independent German Rechtsschutzversicherung specialist offering private, commercial, and professional legal protection plus legal-counselling services (ROLAND Assistance). Directly comparable business model to DMB's specialist-only positioning.
• DEURAG (Deutsche Rechtsschutz-Versicherung): German legal protection insurance specialist owned by the Signal Iduna Group, offering modular Rechtsschutzversicherung for private and commercial customers. Competes with DMB Rechtsschutz on the same German specialist carrier axis.
• Concordia Rechtsschutz: Legal protection line within the Concordia Versicherungs-Gesellschaft mutual group, serving private and commercial customers in Germany with comparable modular Rechtsschutzversicherung products.

Others

• ROLAND Assistance: Adjacent legal-services provider offering mediation, lawyer-search, and legal-counselling services that complement or substitute for the embedded service features DMB Rechtsschutz bundles (e.g., DMB RECHT-Hotline, mediation, Forderungshilfe).
• Check24 Vergleichsportal: Third-party price-comparison platform on which DMB Rechtsschutz's SECUROpremium is listed with a Tarifsnote of 1.8 (GUT). Check24 is both a key acquisition channel and a competitive force that commoditizes pricing across the German Rechtsschutzversicherung market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/dmb-rechtsschutz

Compliance4 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 DMB Rechtsschutz