Kundler

What Kundler does

Kundler is the leading Allianz Generalvertretung (general agency) in Germany and Europe, operating as an independent commercial agent (freier Handelsvertreter under HGB) under the umbrella of Allianz Beratungs- und Vertriebs-AG. Founded in 2004 by David Patrick Kundler and headquartered on Kurfürstendamm in Berlin-Charlottenburg with a second branch in Lübeck's old town, the agency employs 16 staff and serves individual private customers, families, SMEs, and larger commercial clients across Germany. It has held the #1 Allianz general agency ranking out of more than 8,000 agencies for 11 consecutive years and has accumulated 122 awards.

The agency distributes the full Allianz product portfolio across three core lines: private insurance (health/PKV, supplementary health, liability, household, vehicle, classic cars, art, pets, legal protection, retirement, disability), commercial insurance (business liability, property, fleet, cyber, D&O, employee benefits via bKV and bAV, surety bonds, construction), and construction financing / real estate loans. It also operates a dedicated pet insurance sub-brand (Kundler Tierversicherung). Pricing is risk-based and individualized, with no public price list; revenue is generated through Beratungsprovision (advisory commissions on new sales) and Bestandsprovision (trailing commissions on renewals), giving the business a recurring, book-of-business economic profile.

Distribution is hybrid: face-to-face advisory at the two physical offices, remote consulting via phone/email/video, and digital service through Allianz's online tools for policy management, EVB issuance, and claims. Customer acquisition is supported by an extensive event and sponsorship ecosystem ('World of Kundler') spanning VBKI Ball, Berlin Tennis Open, Maifeld Polo Cup, Classic Days Berlin, ADAC Landpartie, Ein Herz für Kinder, Hertha BSC, and other premium cultural and sporting platforms, together with content marketing, social media (10,200 Instagram and 5,060 Facebook followers), and a 400+ Google review base averaging 5.0 stars. The technology stack is wholly Allianz-provided; no proprietary platform, AI/ML, or app has been developed, and the moat is relationship-driven rather than technology-driven.

Name

Kundler

Legal name

Generalvertretung der Allianz Versicherung · David Patrick Kundler

Website

https://kundler.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Kundler is the #1-ranked Allianz Generalvertretung in Germany and Europe, distributing Allianz private and commercial insurance plus construction financing to individual and business customers across Germany through offices in Berlin and Lübeck.

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210), Direct Life, Health, and Medical Insurance Carriers (52411), Other Direct Insurance (except Life, Health, and Medical) Carriers (524128)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321), Insurance Carriers, Nec (6399)

akta.pro primary industry

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

akta.pro secondary industries

Specialty/Unique Item Coverage (Fine Art, Antiques, Pianos, Safes) (HSAKANAE), Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Allianz general agency
• Private insurance advisory
• Commercial insurance brokerage
• Construction financing advisory
• Insurance distribution services

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Insurance Advisory and Sales Commission: Kundler earns commissions from Allianz for placing insurance policies (private and commercial). Revenue is generated through Beratungsprovision (advisory commissions) on new policy sales and Bestandsprovision (trail commissions) on ongoing policy renewals. The agency offers private insurance (liability, household, health, vehicle, legal, travel, animal), commercial insurance (property, liability, fleet, cyber, D&O), and construction financing. As a freier Handelsvertreter (independent commercial agent) under HGB, the agency operates as a self-directed sales unit within the Allianz distribution network.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Kundler operates as an independent Allianz Generalvertretung distributing Allianz insurance products and construction financing solutions. The agency offers three core product lines: Privatversicherung (private insurance covering health, liability, property, vehicle, life, and specialty), Gewerbeversicherung (commercial insurance covering liability, fleet, cyber, D&O, employee benefits, and bonding), and Baufinanzierung (real estate financing advisory). Services are delivered through personal advisory at offices in Berlin and Lübeck, plus remote channels, supported by Allianz's digital infrastructure.

Product overview

Kundler is the leading Allianz General Agency in Germany offering a comprehensive insurance and financial services portfolio. The company operates three core business lines: Privatversicherung (private insurance), Gewerbeversicherung (commercial insurance), and Baufinanzierung (real estate financing). The private insurance offerings include health insurance (PKV, supplementary, and dental), liability, property, vehicle coverage (auto, motorcycle, classic cars), retirement provisions, disability protection, and specialty insurance for pets and art. Commercial insurance covers business liability, property, fleet vehicles, employee benefits (company health insurance, accident coverage), construction insurance, cyber insurance, D&O liability, and bonding/guarantees. The company serves customers across Germany through offices in Berlin and Lübeck, positioning itself as the #1 Allianz agency in Europe.

Differentiator

Problem solved

Functional benefit

Brands

• Kundler Tierversicherung: Specialized pet insurance offerings including dog, cat, and horse health insurance.

Products and services

• Privatversicherung (Private Insurance) Comprehensive private insurance portfolio distributed under Allianz covering health (PKV, supplementary, dental, nursing care), liability, household, legal protection, vehicle, motorcycle, oldtimer, sports car, motorhome, pet (dog, cat, horse), art, travel, and life/disability products; serves individuals, families, expats, retirees, and pet owners across Germany.
• Gewerbeversicherung (Commercial Insurance) Commercial insurance solutions for businesses including general liability, property, contents, electronics, glass, fleet, commercial vehicles, trucks, transport, cyber, D&O, commercial legal protection, fidelity insurance, construction (Bauleistung, Bauherrenhaftpflicht, fire/structural), commercial surety bonds and rental deposits, plus employee benefits (corporate health insurance bKV, group accident, corporate pensions bAV, time-value accounts, severe illness cover).
• Baufinanzierung (Construction Financing) Real estate financing advisory including mortgage and construction loan arrangement, Best Ager loans for retirees, and property investment financing for private and commercial buyers; integrated with property insurance for end-to-end real estate solutions.

Quantifiable outcome

• 11 consecutive years as #1 Allianz Generalvertretung out of 8,000+ agencies
• +3 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

14 partnerships are on record, tiered flagship, core and minor.

• VBKI (Verband Berliner Kaufleute und Industrieller)flagshipGTM or Marketing PartnerKundler is a Premium Partner of the VBKI and sponsor of the VBKI Ball der Wirtschaft, an annual high-society gala at the InterContinental Berlin. The partnership provides Kundler with access to Berlin's business elite for networking and client entertainment.
• ADAC Berlin-BrandenburgcoreGTM or Marketing PartnerKundler has been a longstanding partner and insurer of the ADAC Landpartie Classic, an annual classic car touring event. The partnership dates back to at least 2018 and continues with the 10th anniversary edition in 2026.
• Hertha BSCcoreGTM or Marketing PartnerKundler sponsors Hertha BSC football club, with visible branding on team jerseys (jersey number 24 with Kundler name). This partnership targets Berlin sports fans and community engagement.
• Berliner Hockey ClubcoreGTM or Marketing PartnerKundler is a partner of the Berliner Hockey Club, one of Germany's most successful field hockey clubs (Bundesliga). The partnership includes sponsorship visibility and community support for the club's Bundesliga teams.
• TuS Makkabi BerlinminorGTM or Marketing PartnerKundler sponsors TuS Makkabi Berlin, a Jewish sports club in Berlin with football and basketball teams, demonstrating community engagement and support for diversity in Berlin sports.
• RSV EintrachtminorGTM or Marketing PartnerKundler supports RSV Eintracht sports club as part of its community engagement and youth talent sponsorship program.
• SC Staaken 1919minorGTM or Marketing PartnerKundler sponsors SC Staaken 1919 football club, supporting youth development and local community sports in Berlin.
• Allianz Kinderhilfsfonds Berlin/Leipzig e.V.coreGTM or Marketing PartnerKundler supports the Allianz Children's Aid Fund Berlin/Leipzig, which assists disadvantaged children in Berlin and the new federal states (neue Bundesländer). This is a key social engagement initiative of the agency.
• Ein Herz für KinderflagshipGTM or Marketing PartnerKundler is a long-standing supporter of the Ein Herz für Kinder charity initiative, participating in annual summer galas and fundraising events. The initiative, founded in 1978 by Axel Springer and BILD, has raised over 26 million euros in 2025 alone across 58 countries.
• Tierheim Apa La Sonrisa Peluda (Málaga)minorGTM or Marketing PartnerKundler supports the animal shelter Apa La Sonrisa Peluda in Málaga, Spain, which rescues dogs from difficult situations and rehomes them, including in Germany. This reflects Kundler's commitment to animal welfare beyond insurance services.
• Classic Days BerlincoreGTM or Marketing PartnerKundler is a partner of Classic Days Berlin, an annual classic car event on Kurfürstendamm featuring 2,000+ vintage automobiles. The event has been supported by Kundler since at least 2018.
• Engel & VölkersminorGTM or Marketing PartnerPartnership with Engel & Völkers, the real estate brokerage firm, listed among Kundler's partner logos. The relationship supports cross-referrals between real estate and insurance/financing services.
• LTTC Rot-Weiss Berlin (Lawn Tennis Club)minorGTM or Marketing PartnerKundler is a partner of LTTC Rot-Weiss Berlin tennis club, supporting tennis in Berlin and aligning with the Berlin Tennis Open event sponsorship.
• Maifeld Polo Cup / sevendays poloeventscoreGTM or Marketing PartnerKundler has been a partner and insurer of the Maifeld Polo Cup Berlin since at least 2018, one of Germany's premier polo tournaments held at the Berlin Olympiastadion. The partnership aligns with Kundler's premium brand positioning.

Scale indicators6 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Interhyp AG: Germany's largest independent Baufinanzierung broker. Directly comparable for Kundler's Baufinanzierung line — both act as intermediaries arranging mortgage products across multiple bank partners rather than originating on a captive balance sheet.
• Dr. Klein Privatkunden AG: German insurance and Baufinanzierung broker. Directly comparable to Kundler for the combination of insurance intermediation and construction financing services delivered through personal advisory.
• MLP SE: Germany-listed financial advisory and insurance brokerage firm serving private and corporate clients. Comparable to Kundler as a relationship-led advisory intermediary distributing multiple insurers' products, with a similar premium-service positioning in the HNW/affluent segment.
• A.S.I. Wirtschaftsberatung AG: Independent German financial advisory and insurance brokerage focused on academics and professionals. Comparable to Kundler as a multi-product insurance/financial advisor using a personal advisory model across private and commercial lines.

Broad incumbents

• ERGO Group AG: Primary insurance arm of the Allianz Group in Germany. A broad incumbent that distributes overlapping products (life, health, P&C) through its own tied agent network, competing with independent general agencies like Kundler in the same customer segments.
• AXA Konzern AG: Major German primary insurer operating tied Hauptvertretung and broker channels. Comparable as a broad incumbent offering the same range of private and commercial insurance products that Kundler distributes for Allianz.
• Generali Deutschland Versicherung AG: German arm of Generali Group operating tied agency distribution. Comparable broad incumbent with multi-line P&C and life/health offerings distributed through its own general agencies.
• HDI Versicherung AG: Talanx-owned primary insurer in Germany distributing via tied agent (Generalvertretung) networks. Directly comparable channel model to Kundler's Allianz Generalvertretung structure, with overlapping product breadth across commercial and personal lines.

Emerging players

• Getsafe: Heidelberg-based digital insurance broker (insurtech). Comparable as an emerging distribution channel targeting the same German private and SMB insurance customers that Kundler serves, but with a fully digital onboarding model that competes on convenience and price.
• wefox Germany: Berlin-based insurtech operating a digital platform connecting customers with insurance advisors. Competes with Kundler for the same advisory-driven insurance customer, but with a tech-enabled intermediary model that targets cost and convenience over the premium-event positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/AllianzKundlerBerlin
• Instagraminstagram.com/allianzkundler

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Kundler