Domcura

Name

Domcura

Legal name

DOMCURA AG

Website

https://domcura-ag.de

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

251–500 employees

Short description

DOMCURA AG is a German insurance broker (Versicherungsmakler) headquartered in Kiel, founded 1980, distributing private, housing-industry and commercial property insurance through an independent advisor network and direct channels to households, property managers and SMEs across Germany.

Ownership category

akta.pro rank

Product category

Property Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Property insurance
• Insurance brokerage
• Residential insurance
• Liability insurance
• Commercial property insurance

Headquarters

HQ city

Kiel

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Domcura acts as an insurance broker (Versicherungsmakler) earning commissions from insurance products including residential property insurance (Einfamilienhaus, Mehrfamilienhaus), household insurance (Hausrat), personal liability (Privathaftpflicht), legal protection (Rechtsschutz), accident insurance (Unfall), pet owner liability (Tierhalterhaftpflicht), commercial property insurance (Büro-Police, Inventar-Spezial), and D&O/Vermögensschadenhaftpflicht insurance.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Domcura (DOMCURA AG) is a German insurance broker (Versicherungsmakler) offering property, personal liability, household contents, accident, legal protection, and commercial insurance products across three portfolios: private property insurance, housing industry insurance, and commercial property insurance. The company designs and distributes these insurance solutions through a network of independent insurance advisors, differentiated by its proprietary 'Five Guarantees' (Fünf Garantien) framework covering performance, market, innovation, exchange, and future risks.

Product overview

Domcura is an insurance company offering three main product portfolios: Private Sachversicherungen (private property insurance) including Einfamilienhaus, Mehrfamilienhaus, Hausrat, Unfall, Privathaftpflicht, Tierhalterhaftpflicht, and Rechtsschutz; Versicherungen für die Wohnungswirtschaft (insurance for housing industry) including Gebäudeversicherung für Hausverwalter and Gebäudeversicherung für Wohnungsunternehmen; and Gewerbliche Sachversicherungen (commercial property insurance) including Büro-Police, Inventar-Spezial, Vermögensschadenhaftpflicht, and D&O. The company emphasizes unique guarantees including Leistungsgarantie (performance guarantee), Marktgarantie (market guarantee), Innovationsgarantie (innovation guarantee), Austauschgarantie (exchange guarantee), and Zukunftsgarantie (future guarantee) to ensure individualized and adaptive insurance coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Einfamilienhausversicherung Comprehensive residential building insurance for single-family homes, including elemental protection (Elementarschutz). Rated 'Sehr gut (0,6)' by Stiftung Warentest.
• Mehrfamilienhausversicherung Insurance for residential buildings containing multiple dwelling units, designed for owners of multi-family properties.
• Hausratversicherung Household contents insurance covering personal belongings within the insured residence against damage and loss.
• Unfallversicherung Personal accident insurance providing financial coverage and benefits in the event of accidental injury.
• Privathaftpflichtversicherung Personal liability insurance covering damages the policyholder causes to third parties in private, non-professional contexts.
• Tierhalterhaftpflichtversicherung Pet owner liability insurance covering damages caused by owned animals to third parties.
• Rechtsschutzversicherung Legal expenses insurance covering the costs of legal representation, court fees, and related proceedings for policyholders.
• Gebäudeversicherung für Hausverwalter Building insurance designed for professional property managers handling multiple residential properties.
• Gebäudeversicherung für Wohnungsunternehmen Building insurance tailored for housing companies and residential property portfolio operators managing large-scale real estate assets.
• Büro-Police Office insurance policy providing comprehensive coverage for commercial office spaces, contents, and associated business assets.
• Inventar-Spezial Specialized inventory insurance for commercial businesses, covering equipment, machinery, and stock.
• Vermögensschadenhaftpflichtversicherung Professional indemnity insurance covering financial losses third parties suffer due to professional errors, omissions, or negligence.
• D&O-Versicherung Directors and Officers liability insurance protecting corporate board members and executives from legal claims arising from their managerial decisions.

Quantifiable outcome

• Stiftung Warentest rating of 'Sehr gut (0,6)' for Einfamilienhausversicherung - top quality rating

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Insurance Partners (Versicherungspartner)coreStrategic or Co-development PartnerDomcura maintains long-term partnerships with strong insurance providers (Versicherungspartner) as part of their 'Austauschgarantie' (exchange guarantee). This ensures they can offer the highest product quality and provide customers with the best possible coverage options. The company emphasizes working with 'leistungsstarken Versicherungspartnern' (high-performance insurance partners) to guarantee optimal outcomes.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• HUK-COBURG: Large German mutual insurer/broker providing property, liability, legal protection, and accident insurance, with a strong distribution network closely matching Domcura's product portfolio and German focus.
• Bayerische Versicherungsgruppe: German insurance group offering property, contents, liability, and personal insurance through an advisor network; directly comparable to Domcura's hybrid distribution and product mix.
• VHV Versicherungen: German insurer/broker specializing in property, liability, and motor insurance for private and commercial customers; highly comparable to Domcura's residential property and commercial lines focus.
• Barmenia Versicherungen: German mutual insurer providing property, liability, accident, and legal protection products with an established advisor network; comparable on product breadth and German-market focus.
• DEURAG Deutsche Rechtsschutz-Versicherung: Specialist German legal protection insurance (Rechtsschutz) provider; comparable to Domcura's Rechtsschutzversicherung line and a direct competitor in that specialty.

Broad incumbents

• R+V Versicherung: Large German insurer tied to cooperative banks, providing property, contents, liability, and accident products with a broad advisor network; overlapping product set and similar German-market positioning.
• Generali Deutschland: Major German P&C and life insurer offering residential, commercial, and D&O products; competes with Domcura in the German market with a wider portfolio and stronger brand recognition.
• Allianz Versicherungs-AG (Germany): Germany's largest insurer offering the full P&C, life, and health suite including residential property; broader portfolio but overlapping heavily with Domcura's product lines and distribution channels.
• ERGO Group: Major German insurance group (Munich Re subsidiary) offering property, liability, legal protection, and D&O across private and commercial segments; comparable breadth but at much larger scale.
• Zurich Insurance Group (Germany): Global insurer with a substantial German operation offering residential property, commercial, and specialty lines; broader portfolio but overlapping customer segments with Domcura.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/domcura_ag

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 Domcura