Rhion.digital

What Rhion.digital does

rhion.digital is the digital Schaden/Unfall insurance brand of Rhion Versicherung AG, itself part of the RheinLand Versicherungsgruppe (founded 1880, headquartered in Neuss, Germany). The company distributes a multi-line insurance portfolio — private and commercial liability, accident, household/building, motor, protection briefs, and tenant-default insurance — exclusively through independent insurance brokers (Makler) and broker pools in Germany and the Netherlands. The operating entity reports 51–100 employees and serves both Privatkunden and Gewerbekunden segments, including industry-specific packages for Bau, Dienstleistung, Handel, Handwerk, and Produzierende SMBs.

The technology stack is centered on a broker-facing digital ecosystem rather than direct-to-consumer: a Maklerportal for quoting, policy management, and claims tracking; BiPRO-compliant services implementing German industry Norms 420/430.x/430.7/440/490/503; a customer-facing Digitales Postfach secured via SMS-TAN; GPS-enabled Kfz damage reporting with live tow tracking; and the MaklerCampus e-learning platform (70+ IDD-compliant learning units). These tools are integrated with the major German broker management systems (AssFinet, Softfair, IWM, OASIS/NKK, artBase) and broker aggregators (VEMA Postbox, b-OX, DEMV), creating deep workflow embedding in the broker channel.

The business model is recurring insurance premium revenue: annual subscriptions across multiple Schaden/Unfall lines, distributed through brokers who receive Courtage commissions, with pricing calculated per individual risk and not publicly disclosed. Growth has been strong — 225% liability portfolio expansion from 2016–2021 (#1 in German sector bestandswachstum), 582,000 liability contracts by 2021, 51,911 net new contracts in 2021, and a Kfz line that reached Top 10 quality ranking within four years of launch. Quality has been validated by consecutive third-party awards (FFF+ Franke & Bornberg, 6 Kompasses Ascore, 5 stars Morgen & Morgen, Makler-Champion 2026 Silver + Platin, Deutscher Versicherungs-Award 2026 Top 3, Top 100 Innovator 2023).

Name

Rhion.digital

Legal name

Rhion Versicherung AG

Website

https://rhion.digital

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

51–100 employees

Short description

rhion.digital is the digital Schaden/Unfall insurance brand of Rhion Versicherung AG (RheinLand Versicherungsgruppe), offering private and commercial liability, accident, home, motor, and tenant-default insurance exclusively through independent brokers in Germany and the Netherlands.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance

SIC

Accident & Health Insurance (6321)

akta.pro primary industry

Digital Distribution & Comparison Platforms (Aggregators/Marketplaces) (FSAGAGAA)

akta.pro secondary industries

Claims Management & Digital FNOL Platforms (FSAGAGAC), Commercial General Liability (CGL) (FSAJADAA)

Keywords

• Digital insurance platform
• Broker distribution
• Liability insurance
• Property insurance
• Commercial insurance

Headquarters

HQ city

Neuss

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premium Revenue: rhion.digital generates revenue through insurance premiums collected from policyholders across private and commercial insurance lines including liability, accident, property, and motor insurance. The company operates exclusively through brokers who receive commissions (Courtage) for policies placed.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Rhion.digital is a digital insurance brand of Rhion Versicherung AG (part of RheinLand Versicherungsgruppe) offering property and casualty insurance products for private and commercial customers. The portfolio includes private and commercial liability, accident, household contents, residential building, motor vehicle, and tenant default insurance, distributed exclusively through independent insurance brokers (Versicherungsmakler) supported by a comprehensive digital ecosystem including the Maklerportal, BiPRO-compliant interfaces, and the MaklerCampus e-learning platform.

Product overview

Rhion.digital is a digital insurance company under the RheinLand Versicherungsgruppe offering insurance products for both private (Privatkunden) and commercial (Gewerbekunden) customers. The portfolio includes liability insurance (Privat-Haftpflicht, Tierhalter-Haftpflicht, Bauherren-Haftpflicht, Haus- und Grundbesitzer-Haftpflicht, Gewässerschaden-Haftpflicht, Betriebshaftpflicht), accident insurance (Unfallversicherung for adults/children/seniors, Gruppen-Unfall-Versicherung), home insurance (Hausratversicherung, Wohngebäude-Versicherung, Mietnomaden-Versicherung), motor vehicle insurance (Kfz-Versicherung with liability/kasko/add-ons), and protection briefs (Privat-Schutzbrief, Haus- und Wohnungs-Schutzbrief). Commercial offerings include Inhaltsversicherung, Mittlere Ertragsausfallversicherung, Gebäudeversicherung, and industry-specific Branchenkonzepte for Bau, Dienstleistung, Handel, Handwerk, and Produzierende sectors. The company also provides digital platforms including the Maklerportal for broker contract management, BiPRO-Services for technical integration, Digitales Postfach for customer document management, and MaklerCampus for broker education.

Differentiator

Problem solved

Functional benefit

Products and services

• Privat-Haftpflicht Personal liability insurance for private customers covering damages caused to third parties in private life, including worldwide coverage, new value compensation up to 5,000 EUR, and rental property damage reimbursement.
• Tierhalter-Haftpflicht Animal owner liability insurance covering pet-related damages with foreign bail coverage up to 250,000 EUR, veterinary cost default coverage up to 1,500 EUR, and claim default coverage.
• Bauherren-Haftpflicht Builder liability insurance protecting property owners during construction phases against third-party damages including underground facility damage and construction machinery-related incidents.
• Haus- und Grundbesitzer-Haftpflicht Property owner liability insurance for private property owners covering damages arising from property ownership, including photovoltaic system damage coverage and sustainability-focused repair coverage.
• Gewässerschaden-Haftpflicht Water damage liability insurance covering environmental damages from leaking oil tanks up to 100,000 liters capacity, including rescue cost coverage.
• Unfallversicherung (Privat) Personal accident insurance for adults, children, and seniors with three product lines (Standard, Plus, Premium), featuring the new 2026 tariff with Tattoo-Refresh (up to 1,000 EUR), Ehrenamtsbonus for volunteers, and 5-year invalidity reassessment period.
• Hausratversicherung Household contents insurance covering damage to or loss of household belongings with optional modules including balcony power plant coverage and bicycle coverage.
• Wohngebäude-Versicherung Residential building insurance for private owners covering damage to residential buildings including elemental damage protection.
• Mietnomaden-Versicherung Innovative tenant default insurance protecting landlords against unpaid rent and property damage, covering rent defaults for 6 or 12 months and costs for renovation, disinfection, and pest control, with coverage sums from 10,000 to 50,000 EUR.
• Kfz-Versicherung (Privat) Private motor vehicle insurance providing liability, partial comprehensive (Teilkasko), and full comprehensive (Vollkasko) coverage in three tiers (Standard, Plus, Premium), with digital services including online damage reporting, GPS-based breakdown assistance with live tracking, repair status tracking, and workshop service.
• Privat-Schutzbrief Comprehensive private travel and emergency assistance protection providing worldwide 24/7 coverage for breakdowns, accidents, medical emergencies, travel difficulties, vehicle failure, and lost valuables, with coverage for replacement purchases up to 500 EUR and trip rebooking costs up to 1,000 EUR.
• Haus- und Wohnungs-Schutzbrief Home assistance protection covering emergencies at home including plumbing, electrical issues, and lockouts with round-the-clock support.
• Betriebshaftpflicht Commercial liability insurance for businesses covering third-party damages with new value compensation up to 5,000 EUR, foreign key loss coverage, consequential damages up to 100,000 EUR, and work damage coverage.
• Inhaltsversicherung Business contents insurance for commercial customers covering damage to or loss of business equipment and inventory.
• Mittlere Ertragsausfallversicherung Medium-term business interruption insurance for commercial customers covering loss of income due to covered events.
• Gebäudeversicherung (Gewerbe) Commercial building insurance covering damage to commercial buildings with optional storm and weather modules.
• Gruppen-Unfall-Versicherung Group accident insurance for commercial customers covering employees and groups with a unified high-performance coverage concept replacing previous Standard and Plus lines, featuring extended 5-year invalidity reassessment period, Helm-Bonus for head injuries, and optional dynamic accident pension add-on.
• Branchenkonzepte Industry-specific commercial insurance packages tailored for Bau (construction), Dienstleistung (services), Handel (trade), Handwerk (crafts), and Produzierende (manufacturing) sectors, providing customized coverage for SMBs.
• MaklerCampus E-learning and continuing education platform for insurance brokers offering IDD-compliant online training, live webinars, and over 70 learning units covering products, processes, sustainability, compliance, marketing, and management topics.

Quantifiable outcome

• 225% growth in liability insurance portfolio 2016-2021, ranking #1 in sector
• +2 more outcomes

Segments2 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

Feature5 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• BiPRO e.V.coreTechnology or IntegrationBiPRO (Brancheninitiative Prozessoptimierung) is a neutral organization of the financial services industry developing cross-company business process standards. rhion.digital (as Rhion) was a founding member in 2005 and participates in various committees and projects. The partnership provides BiPRO-compliant digital services for brokers.
• DEMVminorChannel Partner/ Reseller/ DistributorHamburg-based broker association and purchasing/interests community. 600+ companies and 1,300+ individuals use DEMV IT solutions daily.
• VEMA e.G.minorChannel Partner/ Reseller/ DistributorLargest association of mid-sized insurance broker companies in German market. Provides economic and professional strength through association, shared concepts, purchasing advantages, and communication systems.
• Status GmbHminorChannel Partner/ Reseller/ DistributorBroker association specializing in portfolio switching with leading deckungskonzepte (coverage concepts) and effective support for portfolio restructuring.
• vfm GruppeminorChannel Partner/ Reseller/ DistributorSuccessful multi-award-winning family company supporting independent insurance brokers, multiple agents, and intermediaries with concepts and services. Offers all three distribution channels for those switching from exclusivity to independence.
• bessergrünminorStrategic or Co-development PartnerSustainability marketplace initiative connecting insurance and financial industry companies. rhion.digital has been exclusive product partner for commercial insurance since 2021. Hosts Nachhaltigkeitsakademie (sustainability academy) and supports bettergrün scholarship program.
• ripapro GmbH (Werkstattservice)minorStrategic or Co-development PartnerPartner for workshop service (Werkstattservice) in Kfz insurance. Provides certified partner workshops enabling free replacement vehicles, pickup/delivery service, and free cleaning for rhion.digital Kfz policyholders.
• junited AutoglasminorChannel Partner/ Reseller/ DistributorGlass damage partner for direct glass damage reporting and processing. Customers can book appointments directly through junited without separate damage notification to rhion.digital.
• KS AutoglasminorChannel Partner/ Reseller/ DistributorGlass damage partner for direct glass damage reporting and processing with multiple locations for glass damage service.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Allianz Deutschland: Largest German P&C and composite insurer offering full multi-line coverage through direct, broker and tied agent channels. Provides market backdrop and benchmark for product quality, broker offerings, and competitive intensity that rhion must match.

Direct peers

• DOMCURA AG: German white-label and broker-focused P&C insurer (also part of the RheinLand/Volkswohlbund ecosystem), specializing in liability, property, accident and motor for the broker channel. Direct competitor for white-label and broker-distributed P&C products in Germany.
• LVM Versicherung: Mutual German insurer strong in northern and western Germany, distributing personal and commercial P&C through a mixed model including brokers and direct. Comparable target customer segments and product mix.
• HDI Versicherung: Major German multi-line insurer (Talanx group) operating across property/casualty, motor, liability and accident lines with both broker and direct channels. Comparable product breadth and target customer segments to rhion's commercial and private P&C portfolio.
• R+V Versicherung: Large German mutual insurer (cooperative and bank channel plus broker) competing across private and commercial P&C, motor, liability and accident lines. Comparable broker relationships and product portfolio structure.
• VHV Versicherung: Major German P&C insurer with strong broker and direct distribution across liability, motor, property and construction lines. Closest direct competitor to rhion in the German broker channel on multi-line P&C and commercial products.
• Württembergische Versicherung: German insurance group offering private and commercial P&C, motor and accident insurance with both direct and broker distribution. Overlaps with rhion's Haftpflicht, Unfall, Hausrat and Wohngebäude portfolios.
• Gothaer Versicherung: German mutual insurance group offering property/casualty, motor, liability, accident and commercial lines, with significant broker relationships. Comparable product breadth across private and Gewerbekunden segments.
• KRAVAG: German specialist insurer for commercial vehicles, freight and motor, distributed heavily through brokers with strong digital underwriting tools. Direct overlap with rhion's Kfz segment and broker-centric distribution model.
• Concordia Versicherung: Regional German insurer offering private and commercial P&C products through independent brokers. Direct competitor for mid-sized commercial and broker-distributed personal lines in core German regions.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/RhionVersicherung

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Rhion.digital