What Assekurata does

Assekurata is a Cologne-based, privately-held rating agency founded in 1996 that provides specialized analytical, rating, and consulting services to the German insurance industry. The firm operates through two wholly-owned subsidiaries—Assekurata Assekuranz Rating-Agentur GmbH (rating services) and Assekurata Solutions GmbH (certification and consulting)—and serves life, health, and property/casualty insurers, financial distribution organizations, and broader industry stakeholders. Its named client base includes Nürnberger Lebensversicherung, Deutsche Vermögensberatung (DVAG), VGH Provinzial, Cosmos Lebensversicherungs-AG, Generali Health Solutions, ALTE LEIPZIGER, Hallesche Krankenversicherung, and Debeka Gruppe.

The company's product portfolio spans corporate and credit ratings, sustainability ratings, tariff analyses, BU (occupational disability) contribution stability certifications, fairness audits for claims processing, career ratings for insurance employers, and health management assessments. Underlying capabilities include the proprietary Assekurata Rating System, the Fairness-Prüfung methodology refined over more than ten years, a Customer Satisfaction Panel surveying over 4,500 insurance customers, and the Assekurata-Fondstacho fund-quality analysis run in cooperation with Handelsblatt. Supporting tools include the Assekuranz-Kennzahlen-App co-developed with E+S Rückversicherung, regular market outlooks, podcast episodes, and long-running annual studies—most notably the 24-year running Überschussbeteiligung und Garantien survey, which covered 37 life insurers in its 2026 edition.

Assekurata employs 11-50 staff and goes to market through a sales-led B2B motion, distributing services via direct enterprise engagement and dedicated online portals for its Rating-Agentur and Solutions divisions. Revenue is generated through recurring rating subscriptions, project-based certification engagements, and market research publications; pricing is not publicly disclosed and operates on quote-based professional services terms. Marketing is supported by thought leadership content including press releases, blog posts, a podcast series, newsletters, and annual studies, with strategic partnerships spanning Handelsblatt, E+S Rückversicherung, TH Köln, and BU-Expertenservice/BiomexTV.

Name

Assekurata

Legal name

Assekurata

Website

https://assekurata.de

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

Assekurata is a Cologne-based German rating agency, founded in 1996, that provides corporate ratings, sustainability ratings, tariff analyses, BU contribution stability certifications, and market research exclusively to life, health, and P&C insurance carriers and distributors.

Ownership category

akta.pro rank

Product category

Insurance Rating & Analytics Services

NAICS

Other Insurance Related Activities (52429), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Services-Engineering, Accounting, Research, Management (8700)

akta.pro primary industry

ESG Data, Ratings & Climate Benchmarks (FSAFAIAI)

Keywords

• Insurance rating agency
• Insurance consulting services
• Insurance market research
• Insurance product certification
• Sustainability rating services

Headquarters

HQ city

Cologne

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

Revenue model

1. Rating Services: Corporate and sustainability ratings for insurance companies, including regular rating publications and market outlook reports for life, health, and property/casualty insurance sectors.
2. Certification Services: BU contribution stability certifications, fairness certifications for BU claims processing, career ratings, and health management assessments for insurance companies.
3. Market Studies and Publications: Annual market studies on surplus participation and guarantees, customer satisfaction panels, and research publications sold or subscribed to by market participants.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Assekurata provides independent ratings, certifications, and consulting for insurance companies and financial distributors in Germany. Offerings span corporate insurance ratings, sustainability ratings, product and tariff analyses (such as BU contribution-stability certifications, fairness testing, health-management assessments), employer/career ratings, and bespoke insurance market studies.

Product overview

Assekurata operates as a dual-entity structure comprising the Assekurata Rating-Agentur (rating agency) and Assekurata Solutions (analysis and consulting services). The company specializes in insurance industry analysis, providing corporate and credit ratings, sustainability ratings, tariff analyses, and market research. Assekurata Solutions offers specialized certification services including BU contribution stability certification, fairness testing in claims processing, career ratings for insurance employers, and health management assessments. The product portfolio is complemented by a podcast series and regular market studies. Together, these offerings enable insurance companies, distributors, and consumers to evaluate insurer quality, product value, and service standards.

Differentiator

Problem solved

Functional benefit

Products and services

• Insurance Company Ratings (Assekuranz Ratings) Independent corporate ratings evaluating the financial strength, security, and quality of insurance companies in Germany, including life/health, property-casualty, and reinsurance categories. Intended for insurers, distribution partners, and end consumers seeking transparent quality signals.
• Sustainability Rating for Insurers Assessment of the sustainability profile and ESG practices of insurance companies, intended to provide transparent sustainability evaluation for insurers, distributors, and consumers.
• BU Beitragsstabilitäts-Certifications Certification of contribution-stability quality for occupational disability (Berufsunfähigkeit) insurance tariffs, enabling insurers and brokers to substantiate product quality claims.
• Fairness Testing (Fairness-Siegel) Product-side assessment of whether insurance tariffs and processes treat customers fairly, providing a fairness quality seal for distribution and end customers.
• Career/Employer Rating (Karriere-Rating) Employer and career-related rating services for insurance companies, used to assess and signal HR quality and attractiveness to employees, recruits, and the broader market.
• Tariff Analyses (Tarifanalyse) Quantitative and qualitative analysis of insurance tariff structures and quality, used by insurers to benchmark products and by distributors to compare offerings.
• Health Management Assessments (Gesundheitsmanagement-Bewertung) Evaluation of health-insurer health-management offerings (e.g., programmes for prevention and care), supporting insurers' positioning and distribution partners' communication.
• Insurance Market Studies (Marktstudien) Bespoke and syndicated market research covering German insurance products, distribution, and trends, purchased by insurers, distributors, and other industry stakeholders.

Quantifiable outcome

• Tariff analysis of Hallesche Krankenversicherung achieved overall rating of very good (1.2)
• +2 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• E+S RückversicherungcoreStrategic or Co-development PartnerDevelopment partnership for the Assekuranz-Kennzahlen-App (insurance key figures app), combining Assekurata's analytical expertise with E+S Rück's market data capabilities to provide a modern reference tool for insurance metrics.
• HandelsblattcoreStrategic or Co-development PartnerAnnual cooperation for the Fondstacho analysis, evaluating fund quality in unit-linked insurance products. The partnership leverages Handelsblatt's media reach and Assekurata's analytical methodology.
• TH Köln (Technische Hochschule Köln)minorStrategic or Co-development PartnerAcademic collaboration with Professor Dr. Matthias Wolf, Professor for pension provision and life insurance at TH Köln, who participates in Assekurata podcasts and provides expert input on pension reform discussions.
• BU-Expertenservice / BiomexTVcoreStrategic or Co-development PartnerTen-year collaboration on the Fairness in BU-Leistungsregulierung certification procedure, conducted through interview format via BiomexTV platform.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• TÜV SÜD: Germany-based testing, inspection, and certification provider with industry-specific audit/certification services. Comparable to Assekurata Solutions on the independent assessment/certification side of the business.
• Morningstar: Global investment research firm with insurance, annuity, and ESG analytics offerings; overlaps with Assekurata's market outlook, sustainability rating, and unit-linked fund analysis (Fondstacho) workflows.
• Moody's Investors Service: Global rating agency with an insurance rated by Moody's franchise covering life and P&C insurers. Competes broadly with Assekurata's corporate ratings business while offering a global product suite.
• Standard & Poor's Global Ratings: Global credit rating agency with a large insurance ratings practice that publishes financial strength ratings on insurers. Competes with Assekurata in the market for third-party assessments of insurer creditworthiness but at much greater geographic and product scale.
• Fitch Ratings: Global credit rating agency that publishes insurer financial strength ratings; competes with Assekurata in the German-speaking market through its international ratings operations and could localize adjacent services.
• DEKRA: Germany-headquartered global testing, inspection and certification firm; relevant peer for Assekurata's certification-side business (BU Beitragsstabilität, Fairness-Prüfung) given similar independence-based business model.

Direct peers

• Franke und Bornberg: German insurance rating and research firm that benchmarks insurance products and providers in the German market; overlaps most directly with Assekurata's Tarifanalysen and BU Beitragsstabilität rating methodologies, both serve German insurers and distributors.
• Morgen & Morgen: German insurance data and rating company (M&M Rating) specializing in quantitative scoring of life, health, and P&C insurance products. Sells ratings, market data, and analytical tools very similar to Assekurata's Rating-Agentur output.

Emerging players

• Versicherungsbote: German insurance trade media and comparison platform that publishes product comparisons and industry analyses; serves a partially overlapping audience of insurers, distributors, and consumers with lower-fidelity ratings.

Others

• Verivox Versicherungsvergleich: German price-comparison platform for insurance products. Adjacent rather than directly comparable — competes at the consumer-facing product comparison layer where Assekurata's Tarifanalysen also surface information to consumers and brokers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 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 Assekurata