Dr. Hörtkorn Insurance Broker

What Dr. Hörtkorn Insurance Broker does

Dr. Hörtkorn Insurance Broker (legal entity: Hörtkorn Unternehmensgruppe) is a family-owned industrial insurance brokerage founded in 1966 in Heilbronn, Germany, and now led in its second generation by Managing Director Christian Hörtkorn. The firm serves the German industrial Mittelstand (mid-market) and its international operations, providing insurance brokerage across P&C, credit, cyber, aviation, fine art, new energy, project, and startup exposures, together with claims management, pension/precaution management, and risk management advisory.

The company operates a wholly-owned sub-brand architecture that operationalizes vertical specialization: Hörtkorn Credit (trade credit insurance, creditworthiness information, debt collection, alternative financing, surety bonds, fidelity cover, and digital credit management), Hörtkorn Aviation (aircraft and aviation risk brokerage, relaunched in 2024), Hörtkorn Kunstversicherung / Hörtkorn Kunst (fine art insurance), and Hörtkorn New Energy (insurance for wind, solar, hydrogen, biomass, geothermal, and borehole projects). For cross-border mandates the firm leverages the UNIBA Partners broker network, which provides on-the-ground broker support in more than 130–160 countries.

Commercially, Hörtkorn runs an enterprise field-sales motion: direct, personalized consulting to mid-market industrial clients, including dedicated US market-entry advisory, with no publicly disclosed pricing. Revenue is generated through commissions and fees on insurance placements and adjacent services; commission and fee revenue for 2024 was €33 million. The company employs 230+ people across ten German offices (Heilbronn HQ plus Berlin, Chemnitz, Hamburg, Karlsruhe, Munich, Münster, Nuremberg, Stuttgart, Würzburg) and has been awarded "Bester Mittelstandsdienstleister 2026" (Platz 1, Versicherungsmakler) and the German B2B-Award 2022 for customer satisfaction.

Name

Dr. Hörtkorn Insurance Broker

Legal name

Hörtkorn Unternehmensgruppe

Website

https://dr-hoertkorn.de

Company type

Private

Founded year

1966

Operating status

Operating

Headcount range

101–250 employees

Short description

Dr. Hörtkorn Insurance Broker (Hörtkorn Unternehmensgruppe) is a family-owned, Heilbronn-based insurance brokerage serving the German industrial Mittelstand with P&C, credit, cyber, aviation, art, and new energy coverage plus claims and risk management, delivered via ten German offices and the UNIBA partner network in 160+ countries.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

Keywords

• Industrial insurance brokerage
• Risk management services
• Trade credit insurance
• Claims management services
• Mittelstand insurance solutions

Headquarters

HQ city

Heilbronn

HQ country

Germany

HQ region

Europe

Offices10 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions and Fees: The company generates revenue through commissions and fees from insurance brokerage services. In 2024, the company reported commission and fee revenue of €33 million.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels10 records

Core offering

Dr. Hörtkorn Insurance Broker is an industrial insurance intermediary that places, manages, and administers insurance and credit coverages for mid-market industrial companies. Its offering combines core insurance, claims, and pension/precaution management with sector-specialized coverages (cyber, credit, new energy, aviation, project, art, borehole/geothermal, startups) and a dedicated Hörtkorn Credit division providing trade credit insurance, credit information, debt collection, alternative financing, surety bonds, and fidelity insurance, delivered with global reach through the UNIBA partner network.

Product overview

Dr. Hörtkorn Insurance Broker operates as a full-service insurance brokerage with two primary divisions: a comprehensive insurance management portfolio and a dedicated Credit division. The insurance management arm covers core services (Versicherungsmanagement, Schadenmanagement, Vorsorgemanagement) alongside specialized offerings including Cyberversicherung, Kreditversicherung, Risikomanagement, New Energy, Aviation, Projektversicherung, Startups, Kunstversicherung, and Bohrlochversicherung. The Hörtkorn Credit division provides trade credit insurance products (Warenkreditversicherung, Einzeldeckung, Investitionsgüterkreditversicherung, Top-Up Cover, Excess of Loss), international coverage concepts, credit services (Bonitätsinformation, Inkasso, Digitales Creditmanagement), alternative financing solutions, Kautionsversicherung, and Vertrauensschadenversicherung. Together, these divisions serve the industrial mid-market with worldwide coverage through the UNIBA partner network across more than 160 countries.

Differentiator

Problem solved

Functional benefit

Brands

• Hörtkorn Credit: Credit management division offering trade credit insurance, accounts receivable management, collection services, alternative financing, and bond insurance
• Hörtkorn Aviation
• Hörtkorn Kunstversicherung
• Hörtkorn New Energy
• Hörtkorn Kunst

Products and services

• Versicherungsmanagement (Insurance Management) Core insurance management services including policy administration, coverage optimization, and risk assessment for industrial mid-market clients.
• Schadenmanagement (Claims Management) Claims management services handling the settlement and administration of insurance claims on behalf of clients.
• Vorsorgemanagement (Pension/Precaution Management) Pension and preventive management services to help clients prepare for future risks and compliance requirements.
• Kreditversicherung (Credit Insurance) Credit insurance services protecting businesses against non-payment by buyers.
• Risikomanagement (Risk Management) Risk management consulting to identify, assess, and mitigate operational and strategic risks for industrial clients.
• Cyberversicherung (Cyber Insurance) Specialized cyber insurance coverage protecting businesses against digital threats, data breaches, and cyber incidents.
• New Energy Insurance Solutions Insurance solutions for renewable energy companies covering wind, solar, hydrogen, biomass, and geothermal sectors.
• Aviation Insurance Brokerage Specialized aviation insurance brokerage for aircraft operators, covering hull, liability, and aviation-specific risks.
• Projektversicherung (Project Insurance) Project-specific insurance coverage for construction and industrial projects during development phases.
• Startup Insurance Solutions Tailored insurance solutions designed for startup companies and emerging businesses.
• Kunstversicherung (Fine Art Insurance) Fine art insurance coverage for collectors, galleries, and art dealers protecting valuable artwork and collections.
• Bohrlochversicherung (Borehole Insurance) Borehole and geothermal insurance covering drilling operations and subsurface energy projects.
• Geothermieversicherung (Geothermal Insurance) Specialized geothermal insurance covering borehole drilling operations and subsurface geothermal energy installations.
• Warenkreditversicherung (Trade Credit Insurance) Trade credit insurance protecting domestic and international sales against buyer insolvency and default.
• Einzeldeckung und Ausschnittsdeckung (Single Buyer and Selective Cover) Individual and selective credit coverage options for specific buyers or risk segments.
• Investitionsgüterkreditversicherung (Capital Goods Credit Insurance) Credit insurance specifically designed for capital goods and investment product transactions.
• Top-Up Cover (Excess Credit Insurance) Excess coverage layer above existing credit insurance limits for enhanced protection.
• Excess of Loss Credit Cover Aggregate excess of loss coverage protecting against cumulative credit losses beyond a specified threshold.
• Internationale Deckungskonzepte (International Credit Coverage Concepts) International coverage concepts for multinational clients with cross-border credit insurance needs.
• Bonitätsinformation (Credit Information Services) Creditworthiness and solvency information services for assessing buyer risk.
• Inkasso (Debt Collection) Debt collection services for recovering outstanding receivables from defaulting buyers.
• Digitales Creditmanagement (Digital Credit Management) Digital credit management platform for streamlined credit risk assessment, monitoring, and administration.
• Alternative Finanzierung (Alternative Financing) Alternative financing solutions including factoring and asset-based lending options.
• Kautionsversicherung (Surety Bond Insurance) Surety bond and guarantee insurance covering contract fulfillment, advance payment, and warranty obligations.
• Vertrauensschadenversicherung (Fidelity/Crime Insurance) Fidelity and crime insurance protecting against employee fraud, embezzlement, and third-party dishonesty.
• US Market Entry Insurance Consulting Dedicated consulting and insurance placement support for German companies entering the United States market.
• Auslandsreise-Krankenversicherung (International Travel Health Insurance) International travel health insurance for individuals traveling abroad.
• Krankenversicherung für ausländische Gäste (Health Insurance for Foreign Guests) Health insurance coverage for foreign guests visiting Germany.

Quantifiable outcome

• Premium sponsor of Heilbronn sports clubs demonstrates community engagement and regional brand presence
• +1 more outcomes

Segments1 record

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core and minor.

• epension GmbHcoreStrategic or Co-development Partner · 18 July 2025Strategic cooperation between epension GmbH (leading technology provider in occupational pension) and Hörtkorn Unternehmensgruppe (leading industrial broker in Germany) to digitize corporate pension schemes. Berlin / Heilbronn partnership announced July 18, 2025.
• Eye SecuritycoreStrategic or Co-development Partner · 1 July 2025Strategic partnership between Hörtkorn Unternehmensgruppe and Eye Security, a European cybersecurity expert. The goal is to comprehensively protect companies in the German-speaking region from cyber threats and strengthen their digital resilience.
• UNIBA PartnerscoreChannel Partner/ Reseller/ DistributorInternational insurance broker network covering over 130-160 countries. Hörtkorn operates as part of this global network, enabling them to serve clients with global operations through local partner support worldwide.
• Heilbronner Eishockey Club Eisbären e.V.minorOthersPremium partnership/sponsorship of the Heilbronn Ice Hockey Club Eisbären e.V. for three years. Hörtkorn as new main sponsor alongside Cygna Labs software manufacturer.
• Heilbronn RedsminorOthersPremium partner of the Heilbronn Reds basketball team since May 2024.
• Heilbronner FalkenminorOthersJersey (trikot) sponsor of the Heilbronn Falken DEL2 ice hockey club.
• Sutton WinsonminorChannel Partner/ Reseller/ DistributorBritish insurance broker partner for Brexit-related insurance implications. Co-hosted webinar with Dr. Hörtkorn addressing insurance impacts for UK and German companies post-Brexit.
• Milan HosseiniminorOthersPremium partnership supporting athlete Milan Hosseini, Unterländer Sportler des Jahres (Regional Athlete of the Year). Support started January 2024.

Scale indicators4 records

Recent moves8 records

Expansion highlights3 records

Broad incumbents

• Arthur J. Gallagher (Germany): Arthur J. Gallagher is a global insurance brokerage with active Germany operations following the Willis Re and other acquisitions. Targets industrial and commercial clients with multi-line brokerage and risk consulting comparable to Hörtkorn's offerings.
• Aon (Germany): Aon is a global insurance brokerage and advisory leader with a substantial German operations practice serving large industrial and commercial clients. Overlaps with Hörtkorn's industrial Mittelstand segment and competes for cross-border placements.
• Howden (Germany): Howden is a London-headquartered international insurance broker with growing German operations focused on mid-market and specialty lines. Competes with Hörtkorn in specialty areas including cyber, energy, and aviation.
• Marsh McLennan (Germany): Marsh is one of the world's largest insurance brokers and risk advisors, with a significant German practice serving multinational corporates and larger Mittelstand firms. Competes with Hörtkorn for upper-mid-market German industrial accounts and offers broader international infrastructure.
• Willis Towers Watson (WTW) Germany: WTW is a major global insurance and risk advisory firm with a Germany practice serving mid-sized and large industrial clients. Comparable in product breadth and target segments at the upper-mid-market tier.

Direct peers

• MRH Trowe: MRH Trowe is a German insurance broker and risk consultant focused on mid-market industrial and commercial clients, with specialty practices in energy, aviation, and credit insurance. Closely comparable to Hörtkorn in target customer (Mittelstand), service portfolio, and sector specializations.
• Jaspers Versicherungsmakler: Jaspers is a German independent industrial insurance broker with a Mittelstand focus and similar specialty offerings. Comparable in size, target customer profile, and product breadth to Hörtkorn.
• Geschäftsführer der Ecclesia / BIBUS Versicherungsmakler: BIBUS is a regional German insurance broker group focused on mid-sized industrial and commercial clients with comparable service offerings in industrial lines, credit insurance, and risk management. Smaller-scale but directly comparable peer for the Mittelstand segment.
• Funk Gruppe: Funk Gruppe is one of Germany's largest independent industrial insurance brokers, headquartered in Hamburg and serving Mittelstand and large industrial clients with similar consulting-led, multi-line brokerage and risk advisory services. Highly comparable target segment, business model, and product breadth to Hörtkorn.
• Ecclesia Gruppe: Ecclesia Gruppe is a German insurance broker serving mid-sized industrial, healthcare, and public-sector clients with a relationship-driven model and dedicated specialty teams. Comparable in size, German Mittelstand focus, and consulting-led brokerage approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/hoertkorngroup
• YouTubeyoutube.com/@hoertkorn
• Facebookfacebook.com/Hoertkorn.group
• LinkedInlinkedin.com/company/hoertkorn
• Instagraminstagram.com/hoertkorn.group

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries4 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 Dr. Hörtkorn Insurance Broker