Versicherungsmakler Ostholstein

What Versicherungsmakler Ostholstein does

Versicherungsmakler Ostholstein is an independent insurance broker (Versicherungsmakler) registered under §34d Abs. 1 GewO with the IHK Lübeck and operated as a sole proprietorship by Nils Walbaum from offices in Timmendorfer Strand and a registered address in Scharbeutz, Schleswig-Holstein, Germany. The firm has been in operation for over 25 years, serving private individuals, self-employed professionals, freelancers, and small/medium businesses across Schleswig-Holstein and the Hamburg region. Its core product is independent comparison and brokerage of insurance policies across a network of more than 150 insurers, spanning private lines (liability, household, motor, accident, residential building, health, retirement, travel, pet), commercial lines (operating liability, professional liability, D&O, cyber, machinery, fleet), and specialty coverages (photovoltaic, legal protection). The firm claims an average 30% customer savings versus prior arrangements.

The business model is commission-only under the standard German independent broker construct: services are free to clients, and revenue is generated exclusively from commissions paid by insurance providers embedded in policy premiums. Go-to-market is sales-led and relationship-driven, anchored in free, no-obligation initial consultations, supplemented by Google Ads, SEO-driven content marketing on a blog/news-rich website, Facebook and Instagram presence, and ProvenExpert review seals. Lead capture is facilitated through direct phone/email and Zeeg.me online booking. Ongoing client retention is supported by a digital customer app (Kunden-App) for policy viewing, comparisons, claims reporting, and document access, plus proactive contract and deadline monitoring by the broker. The firm is registered as Versicherungsmakler Ostholstein, with no parent company, subsidiaries, institutional investors, or external ownership stakes disclosed.

Name

Versicherungsmakler Ostholstein

Legal name

Versicherungsmakler Ostholstein

Website

https://versicherungsmakler-ostholstein.de

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Versicherungsmakler Ostholstein is an independent German insurance broker operating in Schleswig-Holstein and Hamburg, comparing policies from 150+ insurers for private individuals, self-employed professionals, and small businesses, funded by insurer commissions under a free advisory model.

Ownership category

akta.pro rank

Headquarters

HQ city

Scharbeutz

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, Technology or R&D

Revenue model

1. Insurance Commission (Versicherungsprovision): Versicherungsmakler Ostholstein receives a commission from insurance product providers for each successfully placed insurance contract. This commission is already included in the insurance premium and is not charged separately to the client. No other forms of remuneration are received in connection with the brokerage. This is the standard independent broker compensation model in Germany under § 34d GewO.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Versicherungsmakler Ostholstein is an independent insurance broker that compares and places insurance contracts from more than 150 insurers for private individuals and small/medium businesses across Schleswig-Holstein. Core services include private lines (liability, household, legal, motor, accident, residential building), commercial lines (business liability, professional liability, D&O, cyber, machinery), health insurance (statutory and private), and retirement planning (disability, Riester, Rürup, company pension), supplemented by ongoing contract monitoring, claims handling, and a customer self-service app.

Product overview

Versicherungsmakler Ostholstein is an independent insurance broker offering comprehensive comparison and brokerage services across private and commercial insurance lines. The firm partners with over 150 insurers to provide objective advisory services at no cost to clients. Their core offering encompasses private insurance products (liability, household, legal protection, motor vehicle, health, accident, residential building), commercial/business insurance (operating liability, professional liability, cyber, machinery), health insurance advisory, and retirement planning. The company supplements its brokerage services with a digital customer app for policy management and a free insurance review service (Versicherungs-TÜV). The business model centers on commissions paid by insurance providers rather than client fees, enabling free advisory services with average savings of 30% reported.

Differentiator

Problem solved

Functional benefit

Products and services

• Private Insurance Brokerage (Privatkunden) Independent comparison and placement of personal insurance lines including private liability, household contents, legal protection, motor vehicle, accident, residential building, and travel insurance for private individuals and households.
• Commercial Insurance Brokerage (Gewerbeversicherungen) Independent comparison and placement of commercial insurance lines for small and medium businesses, self-employed professionals, and tradespeople, including business liability, professional liability, D&O, cyber, machinery, electronics, and fleet coverage.
• Health Insurance Advisory (Krankenversicherungen) Advisory and placement of statutory health insurance (GKV), private health insurance (PKV), and supplementary health coverage for individuals and families.
• Retirement and Provision Planning (Vorsorge & Altersvorsorge) Independent advisory and placement of disability insurance, Riester, Rürup, and company pension (bAV) schemes for individuals and businesses.
• Insurance Audit Service (Versicherungs-TÜV) A dedicated audit service that reviews existing insurance contracts to identify gaps, redundancies, and cost-saving opportunities for clients.
• Customer Self-Service App (Kunden-App) A dedicated digital tool enabling clients to view their insurance policies, manage documents, and contact the broker directly.

Quantifiable outcome

• Average 30% savings on insurance contributions while improving coverage quality

Named customers2 records

Segments2 records

Ideal customer profiles2 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.

• 150+ Additional Insurers (network)coreTechnology or IntegrationThe broker's core asset is its network of 150+ insurance companies including: Ammerländer, Barmenia, Baloise, HDI, Hannoversche, HanseMerkur, Hiscox, KVK, LVM, Mannheimer, Markel, Münchener Verein, Nürnberger,Provinzial, Swiss Life, Techniker Krankenkasse, Universa, Volkswohl Bund, Württembergische, Zurich, and many more. This breadth enables genuine comparison shopping.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• HUK24: Direct/digital arm of HUK-Coburg, Germany's largest mutual insurer, selling KFZ, household, and liability insurance direct-to-consumer. Competes for the same personal-lines customers via a lower-cost direct model without intermediary advisory.
• Allianz Direct: Direct-to-consumer digital channel of Allianz, Germany's largest insurer, offering KFZ and household insurance online. Competes for the same personal-lines wallet via a scaled digital-direct model with strong carrier brand recognition in the subject's regional market.
• Check24: Germany's largest insurance and financial product comparison portal, offering direct online placement of KFZ, health, and household insurance. Comparable as a competing distribution channel for the same end customers but at vastly greater scale and with a self-serve rather than advisory model.
• CosmosDirekt: Direct insurer (part of Generali Deutschland) selling life, health, and property insurance direct-to-consumer online and by phone. Competes with the subject in personal lines via a scaled direct-writing model that bypasses independent brokerage.
• Verivox: Independent comparison portal for insurance, energy, and telecom in Germany. Competes with the subject for direct insurance placement in personal lines, especially household and motor, through a price-comparison-led UX rather than personalized advisory.

Direct peers

• CLARK: Digital-first insurance manager/broker in Germany offering multi-line insurance brokerage across personal and commercial categories via app and web. Most direct competitive overlap in product breadth and independent brokerage positioning, though CLARK operates at a national digital scale versus the subject's regional in-person model.

Others

• Finanztip: Non-profit consumer advice platform providing independent insurance and finance product recommendations. Adjacent competitor for the same end customers' attention but operates as an editorial advice layer rather than a licensed broker placing business.

Emerging players

• Ottonova: Digital health insurance specialist broker focused on private health insurance (PKV) and supplementary coverage in Germany. Comparable to the subject's health-insurance brokerage vertical but with a narrower, digitally-native product focus.
• Getsafe: Digital insurance broker (backed by Munich Re among others) offering mobile-first placement of personal insurance in Germany. Comparable in offering multi-line brokerage with a digital-first customer experience but operating as an emerging digital-native rather than traditional regional broker.

Regional players

• DEURAG: Specialist German legal protection insurance (Rechtsschutz) provider also offering broker-supported placement. Adjacent peer as a specialist carrier that intersects with the subject's Rechtsschutzversicherung vertical through the broker's network.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Versicherungsmakler Ostholstein