VMK Versicherungsmakler

What VMK Versicherungsmakler does

VMK Versicherungsmakler GmbH is an Austrian independent specialist insurance broker (Versicherungsmakler) headquartered in Klosterneuburg, registered under firm number 241579p. The company provides tailored insurance mediation and risk advisory services across four primary verticals: architects, engineers, and real estate developers (Bauträger); automotive dealerships (Kfz-Betriebe, with over 100 clients served); commercial and industrial customers (Gewerbe und Industrie); and private customers with high-value assets such as yachts, luxury vehicles, and classic cars. Core products include professional liability (Berufshaftpflicht), developer liability (Bauträgerhaftpflicht), business legal protection (Betriebs-Rechtsschutz), corporate pensions, commercial fleet and property coverage, and specialty lines such as yacht insurance for vessels valued at EUR 1-20 million.

The firm's operational technology stack is built on the wefox Group's digital broker platform, providing the wefox App and online customer portal for policy management and self-service. VMK is the newest member of the wefox Group, gaining access to broader group resources while maintaining its independent consulting identity. The firm is also a member of the Trust Risk Control (TRC) international broker alliance, giving it access to global insurer relationships and specialist coverage concepts not available through single-insurer agents. Its distribution model is exclusively direct and relationship-based — on-site consulting at client premises or the Klosterneuburg office, supplemented by referral channels via guild partnerships (notably GÖS Garanta for auto dealerships) and specialist insurer integrations (AIA AG for architects, Hiscox for commercial professional liability).

Revenue is generated primarily through commission (Provision) paid by insurance carriers on placed and renewed policies, with optional disclosed client consulting fees (Gebühr) and honoraria permissible under Austrian Standesregeln für Versicherungsvermittlung when pre-agreed in writing. The firm operates with 7-8 employees, has a single office location in Klosterneuburg, and its AGB formally limits activity to Austria unless extended by individual agreement. No public funding events, revenue figures, or ownership percentages have been disclosed.

Name

VMK Versicherungsmakler

Legal name

VMK Versicherungsmakler GmbH

Website

https://vmk.at

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

VMK Versicherungsmakler is an Austrian independent specialist insurance broker providing tailored risk solutions for architects/engineers, auto dealerships, commercial clients, and high-net-worth individuals, operating as part of the wefox Group with commission-based revenue and direct advisory distribution.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Small Business BOP (Main Street) (FSAJAFAA)

akta.pro secondary industry

Real Estate / Lessors Risk BOP (FSAJAFAI)

Keywords

• Insurance brokerage services
• Specialty liability coverage
• Professional indemnity insurance
• Commercial insurance solutions
• Personal asset insurance

Headquarters

HQ city

Klosterneuburg

HQ country

Austria

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission (Provision): VMK works on a combination of commission from insurance companies and other forms of remuneration per §1 Abs 9 Z 10c Standesregeln für Versicherungsvermittlung. Commission is earned on insurance policies placed and renewed for clients.
2. Client Consulting Fee: In individual cases VMK also charges a fee (Gebühr) per §1 Abs 9 Z 10 lit a Standesregeln für Versicherungsvermittlung when explicitly agreed in writing in advance. If a policy is subsequently concluded in the same matter, the fee is offset against the commission.
3. Honorary Consulting Fee: VMK may charge a separate consulting honorarium if pre-agreed in writing. If a policy is concluded in the same matter, the honorarium claim is waived in the amount of the commission.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

VMK Versicherungsmakler is an independent insurance broker (Versicherungsmakler) that places and manages specialized insurance coverage on behalf of commercial and private clients in Austria. The firm brokers liability, professional indemnity, legal protection, developer liability, corporate pensions, and specialty personal lines (yachts, luxury and classic vehicles, electronics, bicycles) by combining carrier commission placements with bespoke coverage concepts, claims support, and ongoing contract controlling. It operates on the wefox digital platform while maintaining personal on-site consulting.

Product overview

VMK Versicherungsmakler is an independent insurance broker offering a portfolio of specialized insurance products and services for private and commercial customers in Austria. The core offering includes specialized insurance solutions for specific industries (automotive dealerships, architects/engineers/developers) and niche products (yachts, luxury vehicles, classic cars). Supporting these products are service modules covering insurance contract management, claims management, and insurance controlling. The company operates as part of the wefox Group, using their digital platform for policy administration, while maintaining personal advisory services. All offerings are distributed through direct consulting rather than a self-service digital product.

Differentiator

Problem solved

Functional benefit

Products and services

• Betriebs-Rechtsschutzversicherung (Business Legal Protection Insurance) Legal expense insurance protecting businesses from high attorney and court costs across labor law, contract law, tax law, traffic law, and criminal law. Brokered to commercial clients of VMK.
• Allgemeine Berufshaftpflichtversicherung (General Professional Liability Insurance) Professional liability insurance protecting self-employed professionals and businesses from financial consequences of professional errors, covering claims for property damage, personal injury, and financial loss. Brokered to commercial and freelance clients.
• Personenversicherung für Betriebe (Corporate Personnel Insurance) Corporate personnel insurance offering tax-optimized retirement solutions for employees and executives, including company pension commitments, pension funds, and severance pay schemes. Brokered to commercial clients.
• Berufshaftpflicht für planende Berufe (Professional Liability for Planning Professions) Professional liability insurance for architects, civil engineers, and planning professionals covering unlimited tail coverage for personal injury, property damage, and financial loss from professional errors. Brokered to architects, engineers, and developers.
• Luxusfahrzeuge & Oldtimer Versicherung (Luxury and Classic Vehicle Insurance) Specialized vehicle insurance for classic cars, youngtimers, newtimers, luxury vehicles, and historic motorcycles, with tiered coverage from Basic partial to Premium comprehensive. Brokered to private clients and collectors.
• Yachtversicherung (Yacht Insurance) Comprehensive yacht insurance covering motor yachts, sailing yachts, luxury yachts, and superyachts valued between 1-20 million EUR with worldwide coverage, including liability, hull, and accident insurance. Brokered to private yacht owners.
• Bauträgerhaftpflichtversicherung (Developer Liability Insurance) Developer liability insurance (both pure and extended versions) protecting developers from third-party claims arising from property development activities, covering planning and construction coordination risks. Brokered to real estate developers and project sponsors.
• Autohäuser Versicherung (Auto Dealership Insurance Package) Comprehensive motor trade insurance package covering motor liability, property protection, business interruption, transport, custody, and financial compensation for Austrian automotive dealerships, including WKO-verified legal protection coverage. Brokered in exclusive cooperation with GÖS Garanta.
• Architekten, Ingenieure & Bauträger Versicherung (Architects, Engineers and Developers Insurance Package) Specialized insurance bundle for architects, engineers, and real estate developers covering professional liability, legal protection, and developer liability across all phases of construction projects. Brokered via partnerships with AIA AG and Hiscox.
• Gewerbekunden Versicherungen (Commercial Customers Insurance Package) Customized commercial insurance solutions for small and medium enterprises including legal expense, professional liability, business interruption, transport, fleet, and technical insurance, built around specialized coverage concepts for non-standard risks. Brokered to commercial and industrial clients.
• Privatkunden Versicherungen (Private Customers Insurance Package) Personal insurance products including yacht, travel, luxury vehicle, pet, electronic device, and bicycle insurance for individual private customers seeking coverage for high-value personal assets and lifestyle risks. Brokered to private individuals.

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core and major.

• Trust Risk Control (TRC)coreStrategic or Co-development PartnerTRC is an international broker alliance with a global network of experienced insurance experts. VMK is a TRC member, enabling the firm to offer clients international know-how, strong partner structures, and modern insurance solutions beyond what a single broker can access. TRC membership is prominently displayed as a key differentiator.
• wefox Group / wefox Austria GmbHcoreTechnology or IntegrationVMK is the youngest member of the wefox Group. wefox provides the broker portal platform (wefox App and online customer portal) used by VMK for policy management and service delivery. wefox enables VMK to negotiate better products and prices for clients and provides interfaces and service tools for claims handling.
• wefox Austria GmbHcoreTechnology or IntegrationVMK uses wefox Austria's broker portal platform for insurance mediation. The platform enables VMK to negotiate better products and prices for clients. Client personal data is transmitted to wefox as needed for service delivery.
• AIA AG (Düsseldorf)majorTechnology or IntegrationFor the mediation of special insurance products (professional liability for architects and engineers), VMK transmits client personal data to AIA AG. The partnership provides access to AIA's specialized coverage with a particularly fair policy wording and 90+ years of market experience.
• Eis European Insurance & Services GmbH (Hamburg)majorTechnology or IntegrationFor mediation of special insurance products, VMK transmits client personal data to Eis European Insurance & Services GmbH in Hamburg as required for product delivery.
• GÖS Garanta Versicherungs-AGcoreChannel Partner/ Reseller/ DistributorVMK works in exclusive cooperation with GARANTA, the guild-recommended specialist insurer for automotive businesses (Kfz-Betriebe). This is the recommended branch insurance solution of the Austrian trade guild (Wirtschaftskammer Österreich / zuständige Innung). GARANTA provides branch-specific, practice-tested, and economically attractive insurance solutions for auto dealerships.
• HiscoxmajorTechnology or IntegrationVMK is directly connected to Hiscox, the European market leader for commercial property damage liability (Vermögensschadenshaftpflicht). Hiscox provides specialized coverage with the most comprehensible policy wording in the Austrian market, backed by over 100 years of experience for entrepreneurs, self-employed, and freelancers.
• AIA AG (architects and engineers specialist insurer)coreTechnology or IntegrationAIA AG is a specialist insurer with over 90 years of experience insuring architects, civil engineers, and engineering consultants. The partnership provides VMK clients with tailored professional liability solutions, a particularly fair policy wording, and strong claims support.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Schunck Group: German-Austrian independent insurance broker with strong engineering and construction liability practice; directly comparable to VMK on architect/engineer and developer liability specialization in the DACH region.
• MRH Trowe: Independent specialty broker in the DACH region serving mid-market commercial clients with bespoke coverage concepts; comparable to VMK on independent-broker positioning and emphasis on complex commercial risks in German-speaking markets.
• Morawa Versicherungsgruppe: Austrian family-owned independent insurance broker group serving commercial and private clients with customized coverage concepts; directly comparable to VMK on independent-broker structure, Austrian footprint, and bespoke commercial focus.
• GrECo International: Austrian-headquartered independent insurance and risk management broker with deep specialty expertise across commercial lines for DACH-region clients; directly comparable to VMK in independent-broker model and complex commercial risk focus.
• Funk Vorsorge Austria / Funk Group: Germany-rooted independent broker group with strong Austrian/German presence offering specialty commercial and private client insurance, including complex liability and engineering lines — a structural match to VMK's specialty intermediary model.
• Karner & Co. Versicherungsmakler: Austrian independent insurance broker serving commercial and private clients in the greater Vienna region with bespoke coverage solutions; a clear small-to-mid independent broker peer to VMK in Klosterneuburg's vicinity.

Others

• wefox Group: Parent company of VMK and a European digital insurance broker platform; not a direct competitor but its platform, distribution strategy, and capital base shape VMK's economics and strategic options, especially in cross-border distribution.

Broad incumbents

• WTW (Willis Towers Watson) Austria: Global risk and brokerage firm with Austrian presence operating across commercial and specialty insurance; comparable to VMK in serving architects/developers and commercial clients but as part of a much larger diversified portfolio.
• Aon Austria: Global insurance broker and risk advisor with Austrian operations serving large commercial, professional services and construction clients; overlaps with VMK on architect/engineer liability and developer liability, but at far greater scale and breadth.
• Marsh Austria: Global insurance broker operating in Austria across commercial P&C, professional liability and specialty lines; competes with VMK for mid-market and upper-mid commercial accounts but offers a much broader risk and people-services portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/vmkgmbh
• LinkedInlinkedin.com/company/vmk
• Instagraminstagram.com/vmk_austria

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 VMK Versicherungsmakler