DEMV German broker association

What DEMV German broker association does

DEMV Deutscher Maklerverbund GmbH is a Hamburg-based service provider and purchasing community (Einkaufsgemeinschaft) for independent insurance brokers in Germany, founded in 2009. The company aggregates the business volume of over 7,800 member broker companies to negotiate above-average commission rates (Courtagen) with more than 100 connected insurance companies, while providing proprietary broker management software, exclusive coverage concepts (Deckungskonzepte), framework agreements on professional liability insurance, and free continuing education for IDD compliance. The company is a privately held GmbH employing 11-50 people, led by founder and managing director Karsten Allesch alongside co-managing officer Fabian Fritz, and operates a subsidiary (DEMV Systems) for digital solutions and IT services.

The core technology asset is the cloud-based Professional Works platform (MVP - Maklerverwaltungsprogramm) and its 2025 successor Professional Works X (MVA - Maklerverwaltungsagent), positioned as the first AI-based broker management agent in the German market. The system offers voice and chat control, integrates data imports from 100+ insurers, and automates multi-step workflows including comparison calculations, application submission, prior insurance cancellation, advisory documentation, and commission billing setup. It includes a BiPRO-compliant mailbox, digital signature, and self-maintaining customer file capabilities. The platform connects to insurance products through direct agreements or pool partners, with a Makler Champion 2026 Gold award in the Maklerverwaltungsprogramm category and a parallel Gold in the Maklerdienstleister category validating product and service standing.

Revenue is generated primarily through a commission-sharing model in which DEMV retains a share of negotiated commissions on insurance business submitted by its members. Membership carries no fees, no minimum sales requirements, and no long-term commitments. Distribution combines direct sales via dedicated broker consultants (Maklerbetreuer), self-serve digital access (free test login), and a multi-channel content marketing program spanning blog, YouTube, Facebook, Instagram, XING, and LinkedIn, reinforced by an annual Roadshow event and a private member community. The company operates exclusively within Germany, with no disclosed geographic expansion plans.

Name

DEMV German broker association

Legal name

DEMV Deutscher Maklerverbund GmbH

Website

https://demv.de

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

DEMV Deutscher Maklerverbund is a Hamburg-based purchasing community and software provider for Germany's independent insurance brokers, aggregating 7,800+ member broker companies to negotiate commissions with 100+ insurers and offering its proprietary Professional Works / Professional Works X broker management platform with AI-based automation.

Ownership category

akta.pro rank

Product category

Insurance Broker Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Vendor & Contract Management (Software/Cloud) (BPAEAOAD)

Keywords

• Insurance broker services
• Broker management software
• Purchasing community
• Insurance intermediary platform
• Broker administration tools

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission from insurance companies (Courtage): The DEMV acts as a purchasing and interest community (Einkaufsgemeinschaft) for independent insurance brokers. By pooling the business volume of its 7,800+ member broker companies, DEMV negotiates above-average commission rates (Courtagen) directly with over 100 insurance companies. Members can submit business either via direct agreements with insurers or through pool partners. DEMV generates revenue by earning a share of the commissions negotiated through the collective purchasing power of its member base. No minimum revenue requirements, no long-term commitments, and no fees are charged to members.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

DEMV Deutscher Maklerverbund GmbH operates as a purchasing and interest community (Einkaufsgemeinschaft) for independent insurance brokers in Germany, providing them with access to over 100 insurance companies and negotiated commission rates. The company delivers a cloud-based broker management software platform (MVP Professional Works and its AI-powered successor Professional Works X / MVA) that automates customer file maintenance, comparison calculations, commission billing, BiPRO-compliant communication, and digital signatures. Complementary services include exclusive coverage concepts (Deckungskonzepte), direct insurer connections, a continuing education platform for IDD compliance, and a personal digitalization manager assigned to each member.

Product overview

DEMV Deutscher Maklerverbund operates as an insurance broker association offering a unified software platform (Professional Works) with two main product tiers: the established MVP (Maklerverwaltungsprogramm) and the newer AI-powered Professional Works X (MVA - Maklerverwaltungsagent). The core software includes integrated modules for comparison calculators, commission billing, digital signatures, and BiPRO mailbox. Complementary services encompass a purchasing community providing access to 100+ insurers, direct insurer connections, exclusive coverage concepts, and a continuing education platform. The ecosystem is designed to reduce administrative overhead by up to 70% and supports brokers throughout the insurance distribution lifecycle.

Differentiator

Problem solved

Functional benefit

Brands

• Professional Works: Smart broker management software (MVP) with integrated comparison calculators, commission billing, BiPRO mailbox, and digital signature capabilities.
• Professional Works X (MVA)

Products and services

• Professional Works X (MVA – Maklerverwaltungsagent) Next-generation AI-based broker management agent for German insurance brokers. Controlled via voice or chat, it imports customer and contract data from over 100 insurers, synchronizes data with customer files, transmits applications directly from the comparison calculator, initiates new direct connections, cancels prior insurance, creates advisory documentation, and sets expected commissions for billing.
• MVP – Professional Works Cloud-based Maklerverwaltungsprogramm (broker management software) providing self-maintaining customer files, contract portfolio overview, integrated comparison calculators, commission billing, BiPRO-compliant mailbox, and digital signature capabilities for independent insurance brokers.
• Einkaufsgemeinschaft (Purchasing Community) Purchasing and interest community that provides DEMV members with access to over 100 insurance companies offering competitive commissions through direct agreements or pool partners, with no minimum sales requirements, no long-term commitments, and no membership fees.
• Direktanbindung (Direct Connection) Direct connection service enabling brokers to access insurance products across all lines (property, life, health, investment funds, bank products) with favorable commissions via direct agreements or pool partners.
• Deckungskonzepte (Coverage Concepts) Exclusive, high-performance insurance coverage concepts offered to members for long-term customer retention, featuring easy handling and strong benefits.
• Weiterbildung (Continuing Education) Online continuing education platform providing training courses for insurance brokers to fulfill their mandatory 15 hours per year of professional development under IDD regulations, offered free to DEMV members.

Quantifiable outcome

• Up to 70% reduction in administrative workload compared to traditional analog broker offices
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability5 records

Feature8 records

Partnerships

One partnership is on record.

• Over 100 Insurance Companies (via purchasing community)coreOthersDEMV operates as a purchasing and interest community (Einkaufsgemeinschaft) for independent insurance brokers. By pooling the business volume of its 7,800+ member broker companies, DEMV negotiates direct commission agreements with more than 100 insurance companies. These insurers provide DEMV members with above-average commissions, exclusive coverage concepts, and high rebate frameworks. Members can submit business via direct agreements with insurers or through pool partners, with no minimum sales requirements or long-term commitments.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• fondsfinanz: fondsfinanz is one of Germany's largest independent broker pools, serving thousands of insurance and financial brokers with pooled commission frameworks, software tools, and product access — directly comparable to DEMV's combined Einkaufsgemeinschaft + broker-software model.
• Jung, DMS & Cie. Jung DMS & Cie. is a major German broker pool offering pool-based product access, commission agreements, and broker support services for independent insurance brokers — overlapping directly with DEMV's purchasing community and broker enablement offering.
• VEMA Versicherungsmakler-Genossenschaft: VEMA is a cooperative of independent insurance brokers in Germany that negotiates collective commissions and provides back-office services to its members — structurally analogous to DEMV's purchasing community.
• BCA AG: BCA is a German broker pool serving independent insurance brokers with pooled product access, commission frameworks, and operational services — closely comparable to DEMV's purchasing-community + back-office model.
• Qualitypool: Qualitypool is a German broker pool providing independent insurance brokers with pooled commissions and back-office tools; it competes directly with DEMV for the same independent-broker segment.
• Telis Finanz AG: Telis Finanz operates a German broker pool serving independent insurance brokers with pooled commissions and product access — structurally very close to DEMV's Einkaufsgemeinschaft offering.
• Apella AG: Apella is a German broker pool that provides independent insurance brokers with pooled product access, commission models, and back-office services — directly comparable to DEMV's community-pool + service model.

Broad incumbents

• MLP SE: MLP is a publicly listed German financial services and consulting group with a substantial insurance brokerage footprint, serving clients across banking, insurance, and wealth management — a broader incumbent that competes for the same pool of independent financial advisors and insurance brokers that DEMV targets.
• Swiss Life Select (formerly HORBACH): Swiss Life Select is a large-scale German financial-advisory/insurance-distribution network offering tied and semi-independent structures — adjacent to DEMV's positioning as a stepping stone for tied agents moving to independent brokerage.

Emerging players

• Finanzchef24 (Gründer Schmidt): Finanzchef24 is a digital insurance/financial-services platform aimed at SMEs and the self-employed, showing how fintech-style players are reshaping insurance distribution in Germany — adjacent competition for DEMV's SMEs-targeted broker base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCxrWoMqRRXSvmoY_zHuzz1A
• Facebookfacebook.com/DeutscherMaklerverbund
• LinkedInde.linkedin.com/company/demv-deutscher-maklerverbund-gmbh
• Instagraminstagram.com/demv_digitalermakler

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

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 DEMV German broker association