KVV Gruppe

What KVV Gruppe does

KVV Gruppe (legal entity: KVV Konzis Versicherungs-Vermittlungs GmbH, with subsidiary KVV Management GmbH - Versicherungsmakler) is a privately held, independent German insurance broker (Versicherungsmakler) headquartered in Korschenbroich, Germany. Founded on December 19, 1960 as Kaufring Versicherungs-Vermittlungs GmbH (a subsidiary of Kaufring AG) and later rebranded, the group has operated for over 60 years serving commercial customers in the trade (Handel) and construction (Baugewerbe) sectors, as well as private individuals.

The company's core offerings are advisory-led insurance brokerage services rather than a software platform. The product portfolio is organized across three segments: for trade/retail customers it offers specialized concepts such as the EH-XL-Police (content insurance) and Gebäude-Compact-Police; for construction-industry customers it offers Maschinenbruchversicherung (machine breakdown), Bauma-Combi-Safe extended warranty insurance, Betriebshaftpflicht (business liability), Kfz, Cyber-Risiken, D&O, and Rechtsschutz; and for private individuals it offers building, household contents, private liability, glass, accident, and provident insurance. No public API, SDK, or digital self-service platform is offered (api_exists: false). Sales and service are delivered through a direct advisory model — free initial consultation, comprehensive needs analysis, custom concept design, and ongoing claims management — supported by a 24-hour claims hotline. Distribution is single-country domestic (Germany) via personal consultation and customer referrals.

The business model is commission-based: as an independent broker with no insurer ownership ties (disclosed in the Erstinformation), KVV earns commissions from insurers embedded in policy premiums rather than charging separate advisory fees to clients. The group employs 11–50 people and is led by Managing Directors Marc Hoverath and Marcus Kemper, with no disclosed external institutional investors or PE/VC backing. Recent strategic actions are limited to incremental modernization (a digitalization initiative reducing paper consumption by approximately 50%) and a sustainability partnership with PLANT-MY-TREE® for tree planting tied to new contracts.

Name

KVV Gruppe

Legal name

KVV Konzis Versicherungs-Vermittlungs GmbH

Website

https://kvv-gruppe.com

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

11–50 employees

Short description

KVV Gruppe is an independent German insurance broker founded in 1960, headquartered in Korschenbroich, specializing in trade and construction-industry insurance products and serving commercial and private customers nationwide via a commission-based advisory model.

Ownership category

akta.pro rank

Headquarters

HQ city

Korschenbroich

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: KVV Gruppe acts as an independent insurance broker earning commissions from insurers for policy placements. The brokerage fee is included in the insurance premium paid by the customer. The company does not charge separate advisory fees to clients.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

KVV Gruppe is an independent insurance broker (Versicherungsmakler) operating nationwide in Germany, specializing in insurance and provident solutions for trade/retail and construction industry clients, and also serving private individuals. The company provides free initial consultation, comprehensive needs analysis, placement of industry-specific insurance concepts, and ongoing policy and claims management, earning commissions from insurers included in the policy premiums.

Product overview

KVV Gruppe is a traditional independent insurance broker (Versicherungsmakler) offering a portfolio of insurance solutions for commercial customers in trade and construction sectors, as well as private individuals. The offering consists of multiple distinct insurance products rather than a unified software platform. For commercial customers, the core products include Maschinenbruchversicherung (machine breakdown insurance) and Baumaschinen Garantieversicherung (construction machinery warranty), alongside business insurance lines such as Betriebshaftpflicht, Kfz, Cyber-Risiken, D&O, Rechtsschutz, and building/content coverage through EH-XL-Police and Gebäude-Compact-Police. For private customers, the product suite includes building insurance, household contents insurance, liability insurance, glass insurance, accident insurance, and provident insurance. The company does not offer a software product or digital platform—it provides insurance consultation, analysis, and claims management services.

Differentiator

Problem solved

Functional benefit

Products and services

• Maschinenbruchversicherung Machine breakdown insurance covering construction machinery against mechanical failure, operator error, fire, theft, vandalism, natural disasters, with coverage up to 50,000 EUR for insured costs. Targeted at construction industry clients.
• Baumaschinen Garantieversicherung (Bauma-Combi-Safe-Police) Extended warranty insurance for construction machinery offering manufacturer-equivalent coverage for up to 60 months including the standard warranty period, at approximately 50% lower cost than manufacturer warranty extensions. Targeted at construction companies.
• EH-XL-Police Content insurance concept providing comprehensive coverage for business inventory and equipment with features such as no underinsurance clause and simplified annual reporting. Targeted at trade/retail and commercial businesses.
• Gebäude-Compact-Police Building insurance package offering coverage against fire, water damage, storm, and other risks with simplified administration. Targeted at commercial and trade business customers.
• Wohngebäude-/Gebäudeversicherung Building insurance protecting residential properties at replacement value, covering garages and auxiliary buildings against fire, water, storm, hail, and numerous included extras. Targeted at private individuals.
• Hausratversicherung Household contents insurance protecting private belongings against fire, water, storm, theft, vandalism, with optional coverage for elemental damage and gross negligence. Targeted at private individuals.
• Haftpflichtversicherung (Privat)

Quantifiable outcome

• At least 20% cost savings achievable without reducing coverage
• +2 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

One partnership is on record.

• PLANT-MY-TREE®coreStrategic or Co-development PartnerSustainability partnership where KVV plants a tree in each new customer's name for every new contract in property, liability, and accident insurance. Launched as part of an apprenticeship project. PLANT-MY-TREE® has been conducting reforestation projects for CO² compensation in Germany since 2007, expanding since 2020 to include forest conversion and protection projects with high biodiversity.

Scale indicators3 records

Recent moves7 records

Expansion highlights3 records

Direct peers

• Ecclesia Group: Detmold-based German insurance broker group specializing in healthcare, social services, and mid-market commercial clients. Comparable as an independent German broker with vertical specialization and a long operating history; differs in industry focus but matches model and scale tier.
• MRH Trowe Group: Frankfurt-based independent insurance broker and risk consultant focused on mid-market German businesses, including trade and construction. Directly comparable as a German independent broker offering advisory-led commercial and private insurance, with overlap in target customer segments.
• BCA AG: German independent insurance broker (Versicherungsmakler) focused on mid-market corporate clients with a multi-branch regional structure. Comparable as an independent German broker delivering advisory-led commercial insurance to SMB and mid-market segments.

Broad incumbents

• Funk Gruppe: Largest family-owned German industrial insurance broker (Hamburg), serving mid-market and large corporate clients across multiple industries. Comparable as a German independent Versicherungsmakler with vertical specialization and consulting-led distribution, though significantly larger than KVV.
• Marsh Germany: German arm of global broker Marsh McLennan, serving corporate and mid-market clients with risk, insurance, and consulting services. Comparable as a Germany-based Versicherungsmakler offering commercial insurance placement; competes for the same mid-market construction and trade clients but at much larger scale.
• Aon Germany: German operations of global broker Aon, providing commercial insurance brokerage, risk management, and human capital solutions. Comparable offering commercial insurance placement to mid-market German firms, including construction; overlaps in product mix but global rather than regional.
• Willis Towers Watson Germany: German presence of WTW (now WTW), providing insurance brokerage, risk advisory, and actuarial services to corporate clients. Comparable as a large Versicherungsmakler in Germany competing for mid-market commercial insurance mandates.
• Arthur J. Gallagher Germany: German operations of global broker Gallagher, providing commercial insurance and risk management to mid-market companies. Comparable in serving German commercial clients across multiple industries including construction and trade, though at substantially larger scale.

Emerging players

• Grundeigentum-Versicherung (Hamburg): German Versicherungsverein auf Gegenseitigkeit (mutual insurer) focused on property insurance for residential and small commercial clients. Comparable as a niche German insurance provider serving property and building insurance needs overlapping with KVV's private-customer and trade segments.

Regional players

• Versicherungsmakler VEMA eG: German cooperative network for insurance brokers (Versicherungsmakler), providing products, services, and infrastructure to member brokers. Comparable in that its member firms operate as independent German brokers serving SMB and trade clients, similar to KVV's positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/kvvgruppe
• LinkedInlinkedin.com/company/kvv-gruppe-versicherungsmakler
• Instagraminstagram.com/kvv_gruppe

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 KVV Gruppe