Hoesch & Partner

What Hoesch & Partner does

Hoesch & Partner GmbH is a German independent insurance broker (Versicherungsmakler) headquartered in Frankfurt am Main, founded in 1983 by Carlos Reiss and now led by CEO Michael Reeg alongside managing director Thomas Icks. The firm serves approximately 50,000 private customers and around 4,000 corporate clients, drawing on relationships with more than 100 insurance carriers across Germany, with additional offices in Düsseldorf, Munich, Stuttgart, Berlin, and Hamburg, and a staff of roughly 75-80 permanent employees. Its core offering is needs-based advisory across personal lines (retirement, health, occupational disability, property, liability, vehicles) and commercial lines (liability including D&O and professional indemnity, cyber, fleet, company pension schemes, and industry-specific concepts), supported by an in-house digital customer portal, Covomo-powered online comparison calculators, and an occupational disability comparison tool.

The firm's business model rests primarily on commissions (Courtage) paid by insurance carriers on policies placed, with secondary revenue from client advisory fees (Honorar), financial investment intermediation fees under §34f GewO, and separate fees from insurers for ancillary services. Initial consultations are offered free and non-binding, with the firm advertising average cost savings of up to 30% versus conventional agents as the primary acquisition hook. Distribution is sales-led and multi-channel: face-to-face advisory across six physical offices, telephone and email, the digital customer portal for ongoing service and claims, and a referral pipeline via FINANZTIP (with over 1,000 positive reviews on Finanztip.de). Marketing includes active social media presence, a YouTube 'Prof. Corner' podcast series, recurring expert commentary in WirtschaftsWoche and Handelsblatt, a TU Darmstadt partnership, and TV appearances on HR Fernsehen.

Operationally, the firm is registered as Versicherungsmakler under §34d GewO and as Finanzanlagenvermittler under §34f GewO with the IHK Frankfurt am Main. It has pursued a formal digitalization strategy since 2016, including the 2018 creation of a Director IT/Datamanagement/Digital role. The company remains privately held, owner-managed, and free of venture capital or private equity ownership, which the firm cites as underpinning its independence from any single carrier.

Name

Hoesch & Partner

Legal name

Hoesch & Partner GmbH

Website

https://hoesch-partner.de

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

101–250 employees

Short description

Hoesch & Partner is a privately held, owner-managed German insurance broker founded in 1983, headquartered in Frankfurt am Main with six offices, serving over 50,000 private and corporate customers through commission-based advisory across 100+ insurance carriers.

Ownership category

akta.pro rank

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission (Courtage) from Insurance Companies: As a Versicherungsmakler, Hoesch & Partner receives commissions (Courtage) from insurance companies for policies placed. This is the primary revenue stream. Commissions are embedded in the insurance premiums paid by customers.
2. Client Honoraries (Honorar): The company also earns agreed-upon fees (Honorar) directly from clients for advisory services, either as standalone fees or in combination with commissions.
3. Financial Investment Intermediation Fees: Fees for financial product intermediation (Finanzanlagenvermittlung) under §34f GewO, charged as service fees to clients for investment product advisory and placement.
4. Separate Services to Insurance Undertakings: Hoesch & Partner may receive separate fees from insurance companies for services rendered directly to those insurers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Hoesch & Partner is an independent insurance broker (Versicherungsmakler) that advises private and corporate customers on insurance and financial products, drawing on relationships with more than 100 insurance companies. The firm places policies, performs risk analysis, manages claims in-house, and offers ongoing portfolio optimization across categories such as retirement, health, occupational disability, liability, property, vehicles, cyber, and company pensions.

Product overview

Hoesch & Partner is a German insurance broker (Versicherungsmakler) founded in 1983, offering both private (Privatkunden) and business (Firmenkunden) insurance consulting services. The company works with over 100 insurance companies and provides access to products from more than 30 private health insurers and 40+ occupational disability insurers. Their product portfolio spans retirement planning (Altersvorsorge with Rürup-Rente, Riester-Rente, private pension options), health insurance (Gesundheit including private health insurance, supplementary coverage), existence protection (Existenzschutz featuring occupational disability insurance, term life insurance, accident insurance), liability coverage (Haftpflicht for private, pet, and homeowner liability), home insurance (Haus, Wohnen & Leben covering buildings, contents, holiday properties), vehicle insurance (Fahrzeuge for classic cars and yachts), and financial products (Finanzen including fund-linked policies and investment funds). For business clients, they offer professional liability (Berufshaftpflicht, Vermögensschadenhaftpflicht, D&O), operational insurance, cyber protection, fleet insurance, company pension schemes (Betriebliche Altersvorsorge), and industry-specific concepts. The company also provides an online calculator tool (Covomo Online-Rechner) for comparing pet, electronics, mobility, and sports insurance.

Differentiator

Problem solved

Functional benefit

Products and services

• Altersvorsorge (Retirement Planning) Retirement planning advisory and brokerage service for private customers covering Rürup-Rente (basis-rente), Riester-Rente, private pension insurance (private Rentenversicherung), and immediate annuity (Sofortrente) products from multiple providers.
• Gesundheit (Health Insurance) Health insurance advisory and brokerage for private customers covering private health insurance (Private Krankenversicherung) with access to 30+ providers, supplementary health insurance (Krankenzusatzversicherung), and nursing care supplementary insurance (Pflegezusatzversicherung).
• Existenzschutz (Existence Protection) Income and existence protection brokerage for private customers including private occupational disability insurance (Berufsunfähigkeitsversicherung) with access to 40+ providers, term life insurance (Risikolebensversicherung), and accident insurance (Unfallversicherung).
• Haftpflicht (Private Liability Insurance) Liability insurance brokerage for private customers covering private liability (Privathaftpflicht), pet liability (Tierhaftpflicht), and homeowner/landlord liability (Haus- und Grundbesitzerhaftpflicht).
• Haus, Wohnen & Leben (Home, Living & Life) Home and property insurance brokerage for private customers covering building performance insurance (Bauleistungsversicherung), residential building insurance (Wohngebäudeversicherung), household contents insurance (Hausratversicherung), and holiday property insurance (Ferienimmobilien).
• Fahrzeuge (Vehicle Insurance) Specialty vehicle insurance brokerage for private customers covering classic car insurance (Oldtimer-Versicherung) and yacht insurance (Yacht-Versicherung).
• Finanzen (Financial Products & Investment Advisory) Financial product intermediation and investment advisory for private customers covering fund-linked insurance policies (Fondspolice), investment fund capital investments (Kapitalanlage in Investmentfonds), and money market investments (Geldanlage), authorized under §34f GewO.
• Haftpflicht Firmenkunden (Business Liability) Business liability insurance brokerage for corporate customers covering professional liability (Berufshaftpflicht), professional indemnity (Vermögensschadenhaftpflicht), D&O (Directors & Officers), operational liability (Betriebshaftpflicht), trust damage cover (Vertrauensschaden), and office liability.
• Sachwerte (Tangible Assets Insurance) Tangible asset and commercial property insurance brokerage for corporate customers covering real estate insurance, electronics insurance, business contents insurance, and art insurance (Kunst).
• Cyberschutz (Cyber Protection) Cyber protection insurance brokerage primarily for businesses covering digital risks and cyber-related damages.
• KFZ-Flottenversicherung (Fleet Insurance) Fleet vehicle insurance brokerage for corporate customers covering multiple company vehicles under a single consolidated policy.
• Betriebliche Altersvorsorge (Company Pension Schemes) Company pension scheme (bAV) advisory and brokerage for businesses including direct insurance (Direktversicherung), direct commitment (Direktzusage), pension fund (Pensionskasse), pension fund (Pensionsfonds), and support fund (Unterstützungskasse) options.
• Firmenbedarfe (Comprehensive Business Needs) Comprehensive business insurance packages for corporate customers including employee insurance (Versicherungen für Mitarbeitende), management insurance (Managementversorgung), operational insurance, and industry-specific coverage concepts.
• Rechtsschutzversicherung (Legal Protection Insurance) Legal protection insurance brokerage for businesses offering module-based coverage including tax disputes, employment law, and specialized coverage tailored for physicians and other professional segments.
• Covomo Online-Rechner (Online Insurance Comparison Tool) Self-service online comparison calculator tool for pet insurance (Tierversicherung), electronics insurance (Elektronikversicherung), mobility insurance (Mobilitätsversicherung), and sports & leisure insurance (Sport- und Freizeitversicherung).

Quantifiable outcome

• Average insurance costs up to 30% lower than conventional insurance agents
• +3 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Global GruppeminorOthersHoesch & Partner shares customer data with a partner of the Global Gruppe in the context of data processing and advisory cooperation, as disclosed in the customer contact form data sharing consent clause.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Ecclesia Group: Major German insurance broker providing risk management and insurance brokerage services for corporate and institutional clients. Comparable to Hoesch & Partner as a Versicherungsmakler serving German businesses and public institutions.
• Funk Gruppe: Funk Gruppe is one of Germany's largest independent insurance and risk-consulting brokers (Versicherungsmakler), serving both private and corporate clients. Directly comparable to Hoesch & Partner in business model, target customers, and independent broker positioning across Germany.
• MRH Trowe: German independent insurance broker and risk advisor focused on corporate clients, with growing private-client operations. Comparable to Hoesch & Partner as a крупный Versicherungsmakler providing multi-channel insurance advisory across Germany.
• Jonas GmbH: Jonas is a German independent insurance broker (Versicherungsmakler) serving private and corporate clients across Germany. Closely comparable to Hoesch & Partner in business model, service portfolio, and target customer segments.

Emerging players

• Check24: Check24 is Germany's leading price-comparison platform for insurance and financial products. Competes with Hoesch & Partner for direct-to-consumer insurance purchases, particularly for standardized personal lines, posing a structural disintermediation threat.
• Verivox: Verivox is a major German price-comparison platform for insurance and energy products. Represents the digital disintermediation model competing with traditional brokers like Hoesch & Partner, particularly for commoditized insurance lines.
• Clark: Clark is a German insurtech offering digital insurance brokerage and management via a mobile app. Competes with Hoesch & Partner for digitally-native customers seeking self-service insurance management alongside advisory.

Broad incumbents

• Marsh Germany: Marsh is a global insurance broker and risk advisor with substantial German operations. Comparable to Hoesch & Partner as a Versicherungsmakler in the German market, though Marsh operates at much larger scale with broader global resources.
• Aon Germany: Aon is a global professional services firm with a major German insurance brokerage presence. Operates in the same Versicherungsmakler space as Hoesch & Partner but is a much larger, publicly-listed incumbent with broader portfolio and global footprint.
• Barmenia Insurance Group: Barmenia is a major German insurance carrier with direct sales operations. Although primarily an insurer rather than a broker, it competes with Hoesch & Partner in private health, life, and disability insurance distribution to retail customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCeB647luBOocRJ2NZ66Pdgw
• Facebookfacebook.com/hoeschundpartner
• LinkedInde.linkedin.com/company/hoesch-&-partner
• Instagraminstagram.com/hoeschundpartner/?hl=de
• Xx.com/hoeschpartner

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 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 Hoesch & Partner