Allcura Versicherungs

What Allcura Versicherungs does

Allcura Versicherungs-Aktiengesellschaft is a Hamburg-headquartered specialty insurance company founded in 2011 that underwrites exclusively Vermögensschaden-Haftpflichtversicherung — professional liability (PI) insurance covering financial losses arising from professional errors, omissions, or negligence. The company operates as a single-line specialist insurer, acting both as a lead insurer (Führungsversicherer) and as a participating/reinsurer (Beteiligungsversicherer) on placements, with underwriting capacity backed by five of the world's largest reinsurers. Its core technology is a proven in-house IT system for underwriting and claims handling; the firm sells only through licensed insurance brokers and intermediaries in Germany and Austria, with no direct or online distribution channel.

The company's product suite is segmented by profession rather than by line of business, with tailored coverage variants for corporate executives (D&O and executive liability), real estate agents and property managers (including Austrian Immobilientreuhänder under §94 Z35 GewO and Kreditvermittler under HIKrG), IT service providers, data protection officers (DSGVO/GDPR-driven), tax advisors and auditors, financial and insurance intermediaries, journalists and media professionals, and numerous other consulting and advisory occupations. ALLCURA also runs the ALLCURA-Fachakademie training academy and an active newsletter program to engage brokers and professional associations.

Revenue is generated from recurring annual premiums on individually risk-priced policies, with pricing not publicly disclosed and no standardized tiers. The company employs approximately 39 staff across underwriting (Betrieb), claims (Schaden), sales (Vertrieb), controlling, and IT, governed by a four-member Vorstand led by Jörg Conradi and supervised by a Supervisory Board chaired by Robert von Bennigsen. The firm is regulated by BaFin, is a member of the GDV, and participates in the Versicherungsombudsmann dispute resolution scheme.

Name

Allcura Versicherungs

Legal name

ALLCURA Versicherungs-Aktiengesellschaft

Website

https://allcura-versicherung.de

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

Allcura Versicherungs is a Hamburg-based specialty insurer founded in 2011 that underwrites exclusively Vermögensschaden-Haftpflichtversicherung (professional liability insurance) for 15+ professional segments across Germany and Austria, distributing exclusively through brokers with capacity backed by five major reinsurers.

Ownership category

akta.pro rank

Product category

Specialty Professional Liability Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Other Direct Insurance (except Life, Health, and Medical) Carriers (524128)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)

akta.pro primary industry

Professional Liability (Errors & Omissions) (FSAJADAB)

akta.pro secondary industries

Management Liability (D&O/EPL/Fiduciary) (FSAJAGAD), Professional Umbrella / Excess (E&O/D&O Wrap) (FSAJANAH), Financial Lines Treaty Reinsurance (e.g., D&O, E&O, professional liability) (FSAOAEAG), Professional Liability (E&O) Reinsurance (FSAOADAH)

Keywords

• Professional liability insurance
• Financial loss coverage
• D&O liability insurance
• Specialty insurance Germany
• Broker-distributed insurance

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Vermögensschaden-Haftpflichtversicherung (Professional Liability Insurance) Premiums: ALLCURA generates revenue through underwriting professional liability (Vermögensschaden-Haftpflicht) insurance policies. The company acts as both lead insurer and reinsurer, backed by five of the largest reinsurers, providing coverage capacity for standard and special risks across a wide range of professional segments.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Allcura Versicherungs underwrites Vermögensschaden-Haftpflichtversicherung (professional liability / professional indemnity insurance), protecting professionals and firms in Germany and Austria against claims for financial losses arising from errors, omissions, or negligence in their professional activities. The company writes both standard and bespoke special-risk policies, acting as lead insurer and as participating/reinsurance capacity provider, and complements coverage with claims handling, legal defense, and an in-house educational academy (ALLCURA-Fachakademie).

Product overview

Allcura Versicherungs is a specialized German insurance company offering Vermögensschaden-Haftpflichtversicherung (professional liability/professional indemnity insurance). The company operates as a single-line insurer focused exclusively on this coverage type, providing solutions both as a primary insurer and as a reinsurer. Their portfolio includes the core Professional Liability Insurance product along with targeted coverage options for specific professional groups such as company executives (Unternehmensleiter), real estate agents and property managers, IT service providers, credit intermediaries, and various other consulting professions. The company also offers supplementary services including the ALLCURA-Fachakademie educational program and application models for policyholders. They serve clients in both Germany and Austria.

Differentiator

Problem solved

Functional benefit

Products and services

• Vermögensschaden-Haftpflichtversicherung (Professional Liability Insurance) Specialist professional liability / professional indemnity insurance protecting professionals and firms in Germany and Austria against claims for financial losses caused by errors, omissions, or negligence in their professional services. Allcura writes both standard policies and bespoke Sonderkonzepte for special risks, acts as lead insurer (Führungsversicherer) and participating/reinsurance capacity provider (Beteiligungsversicherer), and covers over 25 professional segments including real estate agents, IT service providers, tax advisors, journalists, data protection officers, and funeral directors. Coverage includes liability examination, defense against unjustified claims, indemnification, and extensions for GDPR/DSGVO violations and procedural costs. Policies are placed exclusively through licensed insurance brokers and intermediaries.
• ALLCURA-Fachakademie (Training Academy) An in-house educational program offering seminars, workshops and training sessions for brokers, policyholders and professionals on insurance, liability, legal developments (e.g., D&O jurisprudence, Finfluencer risk) and related topics. Events are held in Germany, Austria and Tenerife, and form part of Allcura's broker- and customer-relationship development alongside its policies.

Segments15 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.

• Five Major Reinsurance CompaniescoreOthersALLCURA has secured reinsurance capacity from five of the world's largest reinsurers. This partnership provides the underwriting capacity that allows ALLCURA to offer coverage for both standard and particularly complex or special risks, contributing to its positioning as one of the largest capacity providers in the German Vermögensschaden-Haftpflicht market.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• ERGO Group AG: Munich Re-owned German insurer offering professional liability among many other lines; competes for the same broker-distributed SME and professional segments.
• R+V Versicherung AG: German cooperative insurer with a significant P&C and professional liability book, including coverage for consultants and intermediaries; broad incumbent competing in the same broker channel.
• Allianz Versicherungs-AG: Germany's largest multi-line insurer with a broad professional liability portfolio. Overlaps with ALLCURA's segments but as part of a much wider product suite rather than a specialist.
• Zurich Insurance Group (Germany): Global insurer with German P&C operations including professional liability for SMEs and corporate executives; broader incumbent rather than a niche specialist.
• Gothaer Versicherungsbank VVaG: Mutual German insurer active in P&C and professional liability for SMEs and self-employed professionals; competes for the same broker-led placements.
• AXA Konzern AG: Major German P&C and life insurer with professional liability offerings; broader portfolio play rather than specialist focus, similar to Allianz/ERGO.

Direct peers

• HDI Versicherung AG: Major German P&C insurer (part of Talanx Group) with a substantial professional liability / Vermögensschaden-Haftpflicht book. Most direct German competitor in the same product category and target professions.
• VHV Allgemeine Versicherung AG: Hanover-based P&C specialist with strong professional liability offerings for trades and consulting professions; competes head-on in German Vermögensschaden-Haftpflicht, particularly for real estate agents and consultants.
• Markel International Insurance Company Ltd (Germany): Specialty insurer writing professional liability and management liability for SMEs and professionals across Europe; mirrors ALLCURA's specialist focus with broader geographic reach.
• Hiscox Insurance Company Ltd (Germany branch): Specialty insurer with deep expertise in professional liability for SMEs and consultants in Germany; closest cross-border analogue to ALLCURA's specialist positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/allcura-versicherung

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Allcura Versicherungs