Ellwanger & Kramm

What Ellwanger & Kramm does

Ellwanger & Kramm (legal entity: Dr. Ellwanger & Kramm Versicherungsmakler GmbH) is an independent German insurance broker (Versicherungsmakler) headquartered at Königstraße 17 in Stuttgart, founded in 1964. Operating under the principle of representing exclusively client interests rather than any insurance carrier, the firm analyzes the entire German insurance market to place commercial, industrial, private, and association/club clients with optimal coverage. It holds membership in the Leading Brokers United (LBU) broker network.

The company offers a comprehensive insurance product portfolio organized into three client segments. For companies (Mittelstand and industrial clients) it covers property (Sachwerte), business interruption and parametric solutions (Ertrag und Liquidität), liability including cyber and product recall (Haftung), legal expense (Rechtsverfolgung), management risks including D&O (Management-Risiken), crime and fidelity (Kriminalität), mobility and transport (Mobilität), international insurance programs, and occupational pension and health schemes (bAV, bKV). For private customers it offers health insurance advisory, retirement planning, and wealth management. For associations, clubs, and motorsport organizations it provides group, framework, and specialized coverage. The firm differentiates through proprietary policy wordings (hauseigene Bedingungswerke), technical risk engineering, contract and claims administration, and dedicated international program capability. No proprietary technology platform or self-service product is offered; delivery is via personal consulting supported by a customer login portal.

The revenue model is commission-based: as an unbound broker the firm earns commissions from carriers for placed policies and fees for ongoing contract and claims handling across 60,000+ contracts and 17,000+ customers. Go-to-market is sales-led, primarily direct advisory at the Stuttgart office and on customer sites, supplemented by LBU network reach, content marketing (news articles, E&K Aktuell newsletter), and customer events. The firm is privately owned, managed by two Geschäftsführer (Daniel Stützer and Daniel Knab), with a workforce of over 130 employees plus apprentices. The operating geography is concentrated in Germany, with international program capability serving German-headquartered multinationals.

Name

Ellwanger & Kramm

Legal name

Dr. Ellwanger & Kramm Versicherungsmakler GmbH

Website

https://ekvm.de

Company type

Private

Founded year

1964

Operating status

Operating

Headcount range

51–100 employees

Short description

Ellwanger & Kramm is an independent German insurance broker (Versicherungsmakler) headquartered in Stuttgart, serving commercial, industrial, private, and association clients since 1964 with commission-based placement, risk management, contract administration, and claims handling across 60,000+ contracts.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEADAD

Wholesale Insurance Brokerage (Excess & Surplus Lines)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

SECONDARYFSAEAHAM

Business Interruption & Insurance Claim Valuation

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Valuation, Appraisal & Fairness Opinions

SECONDARYFSAJAGAM

Kidnap, Ransom & Extortion (K&R)

Financial & Insurance/Insurance — Motor, Property & Casualty/Specialty & Excess/Surplus Lines (E&S)

SECONDARYFSAJANAH

Professional Umbrella / Excess (E&O/D&O Wrap)

Financial & Insurance/Insurance — Motor, Property & Casualty/Umbrella Insurance

Keywords

• Independent insurance broker
• Commercial risk advisory
• Corporate insurance solutions
• Insurance brokerage services
• Claims management services

Headquarters

HQ city

Stuttgart

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, Infrastructure, Others

Revenue model

1. Insurance Brokerage Commission: The company operates as an independent insurance broker (Versicherungsmakler) earning commissions from insurance carriers for placing policies. It is not bound to any insurance company and analyzes the entire market on behalf of customers.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Ellwanger & Kramm is an independent insurance broker (Versicherungsmakler) headquartered in Stuttgart, Germany, representing exclusively customer interests. The company analyzes the entire German insurance market to place property, liability, business interruption, D&O, cyber, transport, and pension/benefit coverage for commercial, industrial, private, and association clients. Service is delivered through direct consulting, ongoing contract administration, and claims management rather than self-service digital products.

Product overview

Ellwanger & Kramm (E&K) is an independent insurance broker (Versicherungsmakler) serving commercial, industrial, and private customers since 1963. The company offers a comprehensive portfolio of insurance solutions organized into three main client segments: business solutions (companies), private customer solutions, and associations/clubs solutions. The core business insurance offering includes property coverage (Sachwerte), income & liquidity protection (Ertrag und Liquidität), liability coverage (Haftung), legal expense insurance (Rechtsverfolgung), management risks (Management-Risiken), crime coverage (Kriminalität), mobility/transport insurance (Mobilität), international insurance programs, and occupational health & pension schemes (betriebliche Vorsorge and Gesundheit). The company differentiates through its own policy conditions (hauseigene Bedingungswerke), technical risk engineering, and digital tools for customers. The services are delivered through personal consulting rather than a self-service digital product platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Property Coverage (Sachwerte) Insurance coverage for physical assets of commercial clients including buildings, business contents, electronics, machinery, and construction works against risks such as fire, water damage, theft, and natural hazards.
• Income & Liquidity (Ertrag und Liquidität) Business interruption and consequential loss insurance covering lost profits, ongoing operating costs, and additional expenses following property damage, including parametric insurance solutions for commercial clients.
• Liability Coverage (Haftung) Comprehensive liability insurance solutions for commercial clients including commercial general liability, product liability, environmental liability, product recall costs, IT liability, professional indemnity, cyber liability, and employer liability.
• Legal Expense Coverage (Rechtsverfolgung) Legal expense insurance for commercial clients covering costs for legal disputes, including commercial legal protection, criminal legal protection, compliance legal protection, and cyber/DSGVO legal protection.
• Management Risks (Management-Risiken) Directors & Officers (D&O) insurance and management risk coverage for commercial clients, including supervisory board liability, board deductible insurance, asset protection legal expenses, and D&O contract legal protection.
• Crime Coverage (Kriminalität) Crime and fraud insurance for commercial clients including fidelity guarantee insurance, kidnapping and ransom coverage, crisis management solutions, and protection against extortion.
• Mobility (Mobilität) Transportation and mobility insurance for commercial clients including motor fleet insurance, transport insurance, carrier's liability, traffic legal protection, travel baggage insurance, aircraft and drone insurance, and watercraft insurance.
• International Insurance Programs (Internationale Versicherungsprogramme) International insurance program management with master contracts and local policies for multinational companies operating across different countries.
• Company Pension Plans (Betriebliche Vorsorgekonzepte) Occupational pension schemes (bAV) for companies with a digital pension portal for company pension management, retirement provision, invalidity, and death benefit coverage.
• Company Health Insurance (Betriebliche Gesundheitsvorsorge) Company health insurance solutions for commercial clients, including group accident insurance and company health insurance (bKV) for employee health benefits.
• Private Customer Insurance Solutions (Privatkunden-Lösungen) Personalized insurance and financial planning services for private customers covering property and household contents insurance, private and statutory health insurance, retirement planning, wealth management, and inheritance planning.
• Association & Club Insurance Solutions (Vereine & Verbände) Insurance solutions for associations, clubs, and member organizations, including group insurance for members, framework concepts for partner networks, professional sports club insurance, motorsport insurance, and protection for volunteers.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

One partnership is on record.

• Leading Brokers United (LBU)coreChannel Partner/ Reseller/ DistributorEllwanger & Kramm is a member of the Leading Brokers United (Leading Brokers United) network of independent insurance brokers. The partnership provides access to enhanced market reach, specialized expertise, and collaborative resources across Germany's insurance broker community. The company's logo appears on the LBU website and materials.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Gossler, Gobert & Wolters Group (GGW): Hamburg-based independent German insurance broker with multi-line commercial offerings for mid-market clients — comparable independent-broker positioning and Mittelstadt-targeting book to E&K.
• Ecclesia Group: Detmold-based independent German insurance broker serving commercial and institutional clients with multi-line coverage and risk advisory — directly comparable independent broker profile and target segments to Ellwanger & Kramm.
• GRB Gesellschaft für Risiko-Beratung: Independent German insurance broker and risk consultant serving commercial and industrial clients with property, liability, and specialty coverage — directly comparable German independent-broker peer.
• SÜDVERS Group: Ulm-based independent German insurance broker serving commercial and industrial clients with comparable multi-line offerings — regional German peer with similar independent-broker positioning to E&K.
• MRH Trowe: Frankfurt-based independent German insurance broker focused on Mittelstand and industrial accounts across property, liability, D&O, and international programs — directly competes with E&K in core commercial segments.
• Funk Gruppe: Hamburg-headquartered independent German insurance broker and risk consultant with comparable multi-line commercial focus, Mittelstand client base, and similar scale — E&K's closest domestic competitor in independent commercial brokerage.
• Jöhnke & Reichow Versicherungsmakler: Independent German insurance broker focused on commercial and specialty lines for SMEs and mid-market companies — closely comparable mid-sized independent broker to Ellwanger & Kramm.

Broad incumbents

• Aon Germany: Global broker's German operation offering risk advisory, commercial brokerage, and international programs — competes with E&K on enterprise and specialty accounts as a large, full-service incumbent.
• Willis Towers Watson (WTW) Germany: Global advisory and brokerage firm with German presence serving commercial clients across risk, insurance, and human capital — competes with E&K on larger Mittelstand and corporate accounts as part of a much broader portfolio.
• Marsh GmbH (Germany): German arm of global broker Marsh, competing for the same Mittelstand and large corporate accounts with broader international capabilities — overlapping coverage but as part of a global portfolio versus E&K's independent boutique model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ekvm/?originalSubdomain=deh
• Instagraminstagram.com/dr.ellwanger.und.kramm

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 Ellwanger & Kramm