InterRisk Versicherungen

What InterRisk Versicherungen does

InterRisk Versicherungen is a German insurance group operating through two BaFin-regulated legal entities — InterRisk Versicherungs-AG (property and casualty) and InterRisk Lebensversicherungs-AG (life) — both headquartered at Carl-Bosch-Str. 5 in Wiesbaden and 100% owned by Vienna Insurance Group (VIG). The company employs approximately 170-180 staff across both entities and serves private customers (Privatkunden) in Germany and Austria through a comprehensive product portfolio spanning traditional and fund-linked pensions (Klassische Rentenversicherung, IRis Fondsrente, myIndex next), occupational disability and accident insurance, term life and burial expense cover (Risikolebensversicherung, Sterbegeldversicherung), cancer insurance (KreVita), personal and animal-owner liability, household contents, and residential building insurance. A specialized Ablebensversicherung product extends the offering into the Austrian market.

Name

InterRisk Versicherungen

Legal name

InterRisk Versicherungs-AG Vienna Insurance Group / InterRisk Lebensversicherungs-AG Vienna Insurance Group

Website

https://interrisk.de

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

InterRisk Versicherungen is a Wiesbaden-based, VIG-owned dual-entity insurer (P&C and Life) that distributes life, accident, liability, and property products to private customers in Germany and Austria through independent brokers and digital channels.

Ownership category

akta.pro rank

Product category

Personal Lines Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

akta.pro secondary industry

Specified Disease Hospital Indemnity (e.g., Cancer Hospital Indemnity) (FSAIAKAI)

Keywords

• Personal lines insurance
• Broker-only insurer
• Accident insurance
• Liability insurance
• Life insurance

Headquarters

HQ city

Wiesbaden

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Revenue generated from insurance premiums across multiple product lines including life, accident, property, and liability insurance for private customers. Premiums are collected on subscription/recurring basis with various payment frequencies.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

InterRisk Versicherungen is a German specialist insurer that sells personal lines insurance products exclusively through independent insurance brokers. Through InterRisk Versicherungs-AG it offers personal accident, liability, motor and property insurance, and through InterRisk Lebensversicherungs-AG it offers life insurance, all targeted at private customers in Germany and Austria. The company operates as a focused broker insurer (Maklerversicherer) within the Vienna Insurance Group, distributing a curated product range rather than operating tied-agent or direct-to-consumer channels.

Product overview

InterRisk Versicherungen operates as a dual-entity insurance group consisting of InterRisk Versicherungs-AG (property/casualty) and InterRisk Lebensversicherungs-AG (life insurance), both part of Vienna Insurance Group. The company offers a comprehensive portfolio of insurance products across two main segments: (1) Property & Casualty (Sach- und Unfallversicherungen) including personal liability (Privathaftpflicht, Tierhalterhaftpflicht, Gebäudehaftpflicht), home insurance (Hausrat, Haushalt-Glas), building insurance (Wohngebäude, Neubau), and accident insurance; (2) Life & Health including pension products (Klassische Rentenversicherung, IRis – Die Fondsrente, myIndex next), income protection (Berufsunfähigkeitsversicherung), death benefits (Risikolebensversicherung, Sterbegeldversicherung, Ablebensversicherung), and specialized cancer coverage (KreVita). The company distributes through independent insurance brokers (Maklerversicherer) supplemented by direct channels, with digital services including an online tariff calculator and partner portal.

Differentiator

Problem solved

Functional benefit

Brands

• IRis – Die Fondsrente: Fund-linked pension insurance product
• KreVita – Die Krebsversicherung
• myIndex next

Products and services

• Personal Accident Insurance (Unfallversicherung)
• Liability Insurance (Haftpflichtversicherung)
• Property Insurance (Sachversicherung)
• Motor Vehicle Insurance (Kfz-Versicherung)
• Life Insurance (Lebensversicherung)

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Vienna Insurance Group (VIG)coreStrategic or Co-development PartnerInterRisk Versicherungs-AG and InterRisk Lebensversicherungs-AG are 100% subsidiaries of Vienna Insurance Group (VIG), the leading insurance specialist in Austria and Central and Eastern Europe. This parent relationship provides financial strength, brand credibility, and access to a broader insurance network across Europe.
• Amadi GmbHminorImplementation/ SI/ Consulting PartnerAmadi GmbH is a member of the InterRisk Group and provides certain services for the two insurance companies, including telephone customer service and claims handling support.
• Panda TierversicherungenminorChannel Partner/ Reseller/ DistributorInterRisk became the new risk carrier for Panda Tierversicherungen (pet insurance), taking over after Element Versicherung's insolvency in the pet insurance segment.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• HDI Versicherung (HDI Deutschland, Talanx): German arm of Talanx/HDI Group offering personal and commercial lines including property, liability, accident, and life. Larger incumbent competing with InterRisk across personal lines and via broker channels, but at materially greater scale and brand recognition.
• AXA Konzern AG: One of the largest insurers in Germany offering property, liability, life, and health lines via tied agents, brokers, and direct channels. Broad incumbent competitor across nearly all of InterRisk's product portfolio though with much greater scale.
• Zurich Insurance Germany: German subsidiary of Zurich Insurance Group offering personal and commercial P&C and life products. Competes with InterRisk in liability, household, and life, with global capital strength that InterRisk lacks.
• Generali Deutschland: German arm of Generali Group offering life, P&C, and accident lines. Comparable to InterRisk in P&C personal lines (Hausrat, Wohngebäude, Haftpflicht) and life offerings, with significantly broader scale and distribution.

Direct peers

• ARAG SE: Düsseldorf-based multi-line insurer with strong position in liability, legal protection, and personal lines. Comparable to InterRisk in its German mid-sized carrier profile, broker channel orientation, and concentration on personal liability (Privathaftpflicht) and household coverage.
• Nürnberger Versicherung: Mid-sized German insurance group with similar life-and-P&C mix including occupational disability, term life, and household/property lines. Comparable to InterRisk in product breadth across life and personal lines and presence in independent broker channels.
• VHV Versicherungen: Hannover-based German insurance group focused on personal and commercial lines distributed through brokers and tied agents. Closely comparable to InterRisk on size (sub-1,000 employees), Maklerversicherer-style distribution philosophy, and product mix across liability, property, accident, and life.

Others

• Debeka Versicherung: Largest German mutual insurer focused on public-sector and private customers. Comparable to InterRisk in personal-lines life and P&C offerings, but operates as a mutual with tied agent distribution rather than broker-insurer model.

Regional players

• Versicherungskammer Bayern (VK): Bavarian public-law insurance group offering life, P&C, and health with strong regional agent distribution. Comparable to InterRisk in multi-line product set, but anchored in Bavaria/South-East Germany rather than the broker channel InterRisk prioritizes.
• Wiener Städtische (VIG): Lead Austrian operating company of InterRisk's parent Vienna Insurance Group. Sister entity of InterRisk within VIG and direct comparable in product mix (life, accident, liability, property) on the Austrian market InterRisk also serves.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/interriskversicherung
• LinkedInlinkedin.com/company/interrisk-versicherungen

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

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 InterRisk Versicherungen