CAP
CAP is a Swiss legal protection insurance company offering dispute coverage for private individuals, businesses, associations, traffic participants, and real estate owners. Founded in 1925, it operates through 8 Swiss offices and 150+ in-house multilingual lawyers, plus a digital subscription brand (JUSTIS).
- Company typePrivate
- Founded1925
- HeadquartersWallisellen, Switzerland
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
CAP firmographics
Firmographics- Name
- CAP
- Legal name
- CAP, Rechtsschutz-Versicherungsgesellschaft AG
- Website
- https://cap.ch
- Company type
- Private
- Founded year
- 1925
- Operating status
- Operating
- Short description
- CAP is a Swiss legal protection insurance company offering dispute coverage for private individuals, businesses, associations, traffic participants, and real estate owners. Founded in 1925, it operates through 8 Swiss offices and 150+ in-house multilingual lawyers, plus a digital subscription brand (JUSTIS).
- Ownership category
- akta.pro rank
Where CAP is headquartered
LocationHeadquarters
- HQ city
- Wallisellen
- HQ country
- Switzerland
- HQ region
- Europe
Offices9 records
Markets served
CAP business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Legal Expense Insurance Premiums: CAP generates revenue through annual or recurring premiums for legal expense insurance policies covering private individuals, businesses, associations, and vehicle/transport disputes. Pricing is based on coverage scope, with annual policies that renew automatically.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Traffic Legal Protection from CHF 96.80/year |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels9 records
CAP product offering
Product offeringCore offering
CAP sells legal expense insurance covering lawyer fees, court costs, expert witness fees, travel and translation costs, compensation payments, and bail bonds across everyday-life, traffic, real estate, business, and association disputes. Products are sold to private individuals, companies, and associations through direct website and phone channels, 8 Swiss branch offices, Allianz Suisse general agencies, and the JUSTIS digital subscription brand. Unlimited telephone legal advice is included, even for disputes that arose before policy purchase, and customers may freely choose their own lawyer in conflict-of-interest cases.
Product overview
CAP is a legal protection insurance company offering a comprehensive portfolio of products for both private individuals and businesses. The core products include Privatrechtsschutz (private legal protection), Verkehrsrechtsschutz (traffic legal protection), and Immobilienrechtsschutz (real estate legal protection) for private customers, and Betriebsrechtsschutz (business legal protection), Vereinsrechtsschutz (association legal protection), and Immobilienrechtsschutz for business customers. The company also offers Massgeschneiderte Rechtsschutzlösungen (customized legal protection solutions) for large corporate clients and associations. A notable sub-brand is JUSTIS, positioned as Switzerland's first legal insurance with a digital customer portal and monthly cancellable subscription model. The Multi Risk add-on module provides coverage for cyber crime disputes. CAP operates eight locations across Switzerland with over 150 multilingual lawyers and maintains a global network of legal partners. Supplementary services include telephone legal advice, template contracts, a legal glossary, and the CAP Magazin digital publication.
Differentiator
Problem solved
Functional benefit
Brands
- JUSTIS: The first digital legal insurance in Switzerland with a digital customer portal and a monthly cancellable subscription, offered as a product of CAP.
- firmaLex
- Multi Risk
Products and services
- Privatrechtsschutz (Private Legal Protection)
Quantifiable outcome
- Google rating of 4.7 stars based on 4,930 customer feedbacks (end of Q1 2026)
Companies that use CAP
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles5 records
CAP technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
CAP partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- Allianz Suisse Versicherungs-Gesellschaft AGcoreAllianz Suisse is the parent company of CAP. CAP was incorporated as a subsidiary of Allianz Suisse in 2002, which strengthened CAP's financial backing while maintaining operational independence. CAP operates as a legally independent subsidiary within the Allianz Group.
- JUSTIS (Digital Legal Protection Brand)coreJUSTIS is CAP's digital legal protection subscription brand offering the first online legal expense insurance in Switzerland with a monthly cancellable subscription. JUSTIS operates as a separate digital platform (justis.ch) and is co-branded and cross-promoted on CAP's website. JUSTIS offers live chat and digital communication tools.
- Allianz (Parent Career Portal)minorJob vacancies at CAP are published on the Allianz Switzerland careers portal (careers.allianz.com/Schweiz). CAP operates as part of the Allianz Suisse group and recruits through the parent company's career infrastructure.
- PBV KomPol Zürich (Police Officers Association of Zurich)corePartnership providing tailored legal protection for police officers including professional and private legal coverage. The Swiss Police Officers Association (FSFP) has offered CAP's professional legal protection solution for over 25 years. PBV KomPol Zürich additionally offers private and traffic legal protection to its members and household members through CAP.
- Swiss Model Flying Association (SMV)minorPartnership providing legal protection for model flying enthusiasts. Interview-based collaboration for the CAP Magazine featuring association activities and member benefits.
- intercycle ag / BIXSminorPartnership with Switzerland's leading bicycle distributor (over 40 years in the market) for e-bike content and joint competitions. CAP provides legal protection content related to e-bikes, cycling, and mobility while intercycle/BIXS provides product expertise for the CAP Magazine.
- BFU (Swiss Council for Accident Prevention)minorBFU is referenced as a safety partner providing accident prevention information for road traffic, cycling, and e-bike safety. CAP directs customers to BFU resources for safety education alongside its legal protection services.
- General Agencies NetworkminorCAP distributes products through general agencies, which may also serve Allianz Suisse customers, providing multi-product cross-selling opportunities.
Scale indicators6 records
Recent moves7 records
Expansion highlights6 records
CAP competitors and assessment
Company assessmentDirect peers
- Protekta Rechtsschutz-Versicherung AG: Swiss legal expense insurance specialist offering private, traffic, and business legal protection. Directly competes with CAP in the same Swiss LEI niche with overlapping product lines and distribution through Swiss brokers.
- Orion Rechtsschutz-Versicherung AG: Swiss legal protection insurance carrier covering private, business, and traffic legal expenses. A head-to-head competitor in the Swiss LEI market with comparable product scope.
Broad incumbents
- ARAG SE: Germany-headquartered global legal expense insurance leader operating across Europe. Provides the most direct European benchmark for CAP's LEI economics, scale, and product breadth, though operating in a different geography.
- Roland Rechtsschutz-Versicherungs-AG: Major German legal expense insurer with multi-line LEI products for private and commercial clients. Comparable business model to CAP, though Germany-focused; useful for European LEI benchmarking.
- DAS Legal Expenses Insurance (ERGO Group): Part of Munich Re's ERGO Group, DAS is a leading European legal expense insurance brand with broad product coverage. Comparable to CAP as an established LEI specialist, but operating at pan-European scale.
- Generali Switzerland: Major Swiss composite insurer offering legal protection alongside life and P&C products. Comparable as a Swiss incumbent distributing legal protection through general agencies, though legal expense is not its core focus.
- Zurich Insurance Group: One of Switzerland's largest insurers, offering legal protection as part of a broad P&C/life portfolio. Comparable to Allianz as a Swiss distribution and brand environment for CAP's products, though Zurich is not LEI-focused.
- Baloise Group: Swiss-headquartered composite insurer with legal expense products in its portfolio. Comparable as a domestic incumbent offering legal protection alongside broader insurance lines, distributed via Swiss general agencies.
- AXA Switzerland: Major Swiss composite insurer offering legal protection among its products. Comparable as a Swiss broad-line incumbent competing for the same household insurance budgets and using similar agency distribution.
- Helvetia Insurance: Swiss composite insurer with legal expense offerings distributed via its own agency network. Comparable to CAP in serving Swiss households with bundled insurance products, though legal protection is one line among many.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
CAP social profiles
Digital presenceCAP financial estimates
Financial estimateRevenue estimate
Valuation estimate
CAP leadership team
Management profileNumber of profiles
Profiles2 records
CAP funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CAP 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 CAP
What does CAP do?
CAP sells legal expense insurance covering lawyer fees, court costs, expert witness fees, travel and translation costs, compensation payments, and bail bonds across everyday-life, traffic, real estate, business, and association disputes. Products are sold to private individuals, companies, and associations through direct website and phone channels, 8 Swiss branch offices, Allianz Suisse general agencies, and the JUSTIS digital subscription brand. Unlimited telephone legal advice is included, even for disputes that arose before policy purchase, and customers may freely choose their own lawyer in conflict-of-interest cases.
Is CAP a public or private company?
CAP is a private company. It is classified as corporate owned and is currently operating.
When was CAP founded?
CAP was founded in 1925.
Where is CAP based?
CAP is headquartered in Wallisellen, Switzerland, in the Europe region.
How does CAP make money?
One revenue line is on record: legal Expense Insurance Premiums.
Who are CAP's main competitors?
Direct peers on record are Protekta Rechtsschutz-Versicherung AG and Orion Rechtsschutz-Versicherung AG. Broad incumbents are ARAG SE, Roland Rechtsschutz-Versicherungs-AG, DAS Legal Expenses Insurance (ERGO Group), Generali Switzerland, Zurich Insurance Group, Baloise Group, AXA Switzerland and Helvetia Insurance.
Does CAP have an API?
No public API is recorded for CAP.