What AIA does

AIA AG is a Düsseldorf-based independent insurance broker (Versicherungsmakler) licensed under §34d GewO, founded in 1976, that exclusively serves architects and engineers in Germany. The company's core offering is professional liability insurance (Berufshaftpflicht), provided in three variants — annual, single-object, and general-planner object — and supplemented by a broad portfolio of add-on modules including cyber insurance, fee and business legal protection, office contents, electronics, D&O, extended developer liability, and multi-risk construction insurance. Beyond brokerage, AIA generates recurring engagement through a set of value-added services: the HonorarVerrechnungsStelle for fee settlement, proprietary Bautagebuch (construction diary) and Büromanagement (office management) software, building technical services (Blower Door Test, thermography, soil reports), legal advisory, and an online premium calculator (bhv-jv.onlinerechner.aia.de).

AIA's business model is commission-based brokerage: the firm compares tariffs from multiple leading insurers, conducts individual risk assessments, and earns commissions embedded within the insurance premiums paid by policyholders, with no additional remuneration from insurers. Distribution is sales-led, combining a digital self-service channel (online calculator, quote request forms, customer portal) with high-touch personal advisory from assigned consultants, supported by content marketing through a construction-law news/blog section, an "AIA Wissenswert" newsletter, seminars/webinars, and the "Sicher Planen" podcast. Customer segments span the full career lifecycle — from students and career starters through sole practitioners to mid-market and large architectural/engineering firms — plus private property owners for builder and residential building lines. The company operates a wholly-owned service subsidiary (DG mbH) and has been affiliated with MAF (Mutuelle des Architectes Français assurances) since 2002, the largest European specialist insurer for the profession.

Underlying technology is a standard insurance-brokerage stack: customer management systems, a web-based premium calculator, a customer login portal, and online claims reporting, combined with proprietary SaaS-style software (construction diary and office management tools) offered as ancillary services. AIA holds regulatory licenses as insurance broker (§34d GewO, registered in Vermittlerregister D-MVJB-IT4D4-20), maintains its own professional liability coverage with Nürnberger Versicherung AG, is GDPR-compliant, and participates in the Versicherungsombudsmann dispute resolution scheme. Revenue, headcount (51–100 employees), and capital structure beyond the >10% MAF stake are not publicly disclosed.

Name

AIA

Legal name

AIA AG

Website

https://aia.de

Company type

Private

Founded year

1976

Operating status

Operating

Headcount range

51–100 employees

Short description

AIA AG is a Düsseldorf-based independent insurance broker specializing in professional liability and related coverage for architects and engineers in Germany, operating since 1976 as a subsidiary of MAF, Europe's largest specialist insurer for the profession.

Ownership category

akta.pro rank

Product category

Professional Liability Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Professional Liability (E&O) (FSAJAGAC)

akta.pro secondary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

Keywords

• Professional liability insurance
• Insurance brokerage services
• Architect insurance coverage
• Engineering insurance solutions
• Construction insurance products

Headquarters

HQ city

Düsseldorf

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 Brokerage Commission: AIA AG operates as a licensed insurance broker (Versicherungsmaklerin) under §34d GewO. The company earns commissions paid by insurance companies (Versicherungsgesellschaften) for placing and managing insurance policies. Commission is included within the insurance premium paid by the policyholder. No additional remuneration or commission-linked incentives from insurers are received.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

AIA AG operates as an independent insurance broker (Versicherungsmaklerin under §34d GewO) specializing exclusively in professional liability insurance (Berufshaftpflicht) and related coverage for architects and engineers. The company compares tariffs from leading insurance providers, performs individual risk analysis, and delivers tailored insurance solutions spanning professional liability, cyber, legal protection, D&O, office contents, electronics, construction, and property lines. Supplementary services include a Fee Settlement Office, construction diary software, office management tools, and building technical services.

Product overview

AIA AG operates as an independent insurance broker specializing exclusively in solutions for architects and engineers, founded in 1976 and headquartered in Düsseldorf, Germany. The company functions as a broker model offering risk analysis, tariff comparisons across leading providers, and tailored insurance solutions rather than tied to a single insurer. The core product portfolio centers on Professional Liability Insurance (Berufshaftpflicht) as the primary offering, available in three variants: annual coverage (Berufshaftpflicht-Jahresversicherung), single-object coverage (Berufshaftpflicht-Einzelobjektversicherung), and general planner object coverage (Berufshaftpflicht-Generalplaner-Objektversicherung). Supporting this core are supplementary professional liability add-ons including Cyber Insurance, Fee Legal Protection, Business Legal Protection, Office Contents Insurance, Electronics Insurance, and D&O Insurance. For developers and contractors, the Extended Developer Liability and Business Liability Insurance products address specific sector needs. The personal lines segment includes Multi-Risk Construction Insurance, Builder Insurance, Residential Building Insurance, Private Legal Protection, Private Liability Insurance, and Personal Provision coverage. Beyond insurance products, AIA offers value-added services including the Fee Settlement Office, Construction Diary software, Office Management tools, and building technical services (Blower Door Testing, Building Thermography, Soil Analysis). An online premium calculator enables self-service quote generation, and the company maintains a news/education platform through its podcast series and legal update publications.

Differentiator

Problem solved

Functional benefit

Products and services

• Berufshaftpflicht-Jahresversicherung (Professional Liability Annual Insurance) Annual professional liability insurance providing continuous coverage for architects and engineers against claims arising from professional errors, with risk-adjusted premiums and annual reviews.
• Berufshaftpflicht-Einzelobjektversicherung (Professional Liability Single Object Insurance) Professional liability coverage for single projects, tailored for part-time self-employed architects and engineers requiring insurance only for specific individual projects.
• Berufshaftpflicht-Generalplaner-Objektversicherung (General Planner Object Insurance) Professional liability insurance for general planners covering all individual planning tasks within total projects, with co-insurance of sub-planners' personal liability.
• Cyber-Versicherung (Cyber Insurance) Cyber liability and first-party damage insurance protecting against digital attacks, viruses, unauthorized data use, and IT system failures to ensure business continuity for architecture and engineering practices.
• Honorarrechtsschutz (Fee Legal Protection) Legal protection insurance covering both out-of-court and court-based enforcement of architects' and engineers' fee claims.
• Firmenrechtsschutz (Business Legal Protection) Legal protection insurance for architecture and engineering firms covering disputes over loss of earnings from traffic accidents, employment tribunal issues, and tax declaration problems, with deductible options and high coverage limits.
• Büroinhaltsversicherung (Office Contents Insurance) Insurance covering office contents and business equipment of architecture and engineering firms, similar to household contents insurance, with additional business interruption protection.
• Elektronikversicherung (Electronics Insurance) Insurance for electronic office, information, communication, security, and alarm technology equipment at replacement value, including portable devices, with coverage priced by total insured sum and scope.
• D&O Versicherung (Directors and Officers Insurance) Directors and Officers liability insurance protecting company organs and executives of architecture/engineering firms against claims for breaches of duty toward third parties, with personal D&O coverage option.
• Erweiterte Bauträger-Haftpflicht (Extended Developer Liability) Extended developer liability insurance for companies that also provide architect/engineering services or employ architects and engineers, closing coverage gaps in standard developer liability policies.
• Betriebshaftpflichtversicherung (Business Liability Insurance) Business liability insurance covering all employees from apprentices to managing directors against third-party claims (bodily injury, property damage, consequential financial loss) arising from professional activities.
• Multi-Risk Bauversicherung (Multi-Risk Construction Insurance) Comprehensive construction insurance protecting the builder, architect/engineer, and all executing companies via equitable distribution of liability risks during construction projects.
• Bauherren-Versicherung (Builder Insurance) Insurance package for private home builders covering builder's liability, construction performance, fire raw construction and water damage risks, environmental damage, and unauthorized site access.
• Wohngebäude/Gebäude (Residential/Building Insurance) Building insurance for property owners protecting against fire, storm, hail, and water pipe damage risks, with recommended elemental damage coverage extension.
• Privatrechtsschutz (Private Legal Protection) Private legal protection insurance covering legal costs for disputes such as unclear traffic accidents, unfair employer warnings, or poor craftsmanship execution.
• Privathaftpflichtversicherung (Private Liability Insurance)

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators2 records

Recent moves2 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/aia-ag
• Instagraminstagram.com/aiaag_duesseldorf
• Xx.com/aia_duesseldorf

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 AIA