Liability Fund Darmstadt

What Liability Fund Darmstadt does

Die Haftpflichtkasse VVaG (trade name Die Haftpflichtkasse; legal entity "Versicherungsverein auf Gegenseitigkeit", a German mutual insurance association) is headquartered at Darmstädter Strasse 103 in Roßdorf near Darmstadt, Germany, and has been operating for over 125 years since its founding in 1898. The company is a property-and-casualty specialty insurer focused on two customer segments: private individuals (Privatkunden) and small-to-medium businesses (Geschäftskunden). Core product lines span private liability (Privathaftpflicht), animal owner liability for dogs and horses (Tierhalterhaftpflicht), household (Hausrat), and accident (Unfall) insurance, each available in tiered configurations (Einfach Gut, Einfach Besser, Einfach Komplett); commercial customers receive industry-specialized business liability variants for gastronomy, healthcare, beauty services, construction trades, agriculture, property management, and associations, with add-on modules including Umweltschadensversicherung and AGG-Versicherung.

The company's operating technology consists of a standard insurance policy-management stack combined with three primary digital surfaces: online tariff calculators for instant self-service quoting, the HK Extranet broker portal providing 24/7 access to policy, claims, and commission data, and the customer self-service portal "Meine HK". It supports BiPro-enabled integration and GDV data standards for standardized broker data exchange. Proprietary service differentiators include Innovationsgarantie (automatic extension of better coverage terms at no additional premium), Pro-Aktive Schadenregulierung (claims handling that actively checks competitors for better coverage), Besitzstandsgarantie (preservation of superior prior coverage when switching insurers), and Summen- und Konditionsdifferenzdeckung (gap-bridging coverage during carrier transitions). In September 2025 the company adopted Google Workspace as its productivity platform, positioning itself among the first German insurers to standardize on Google business tools as part of a board-led digitalization effort.

Revenue is generated exclusively through insurance premiums paid by policyholders; premiums are annual, quote-based, and not publicly disclosed, with multi-policy discounts of 5–10% across lines. The go-to-market is primarily through independent insurance brokers (Versicherungsvermittler) and broker networks — most notably VEMA eG via an SLA partnership effective April 2026 — supplemented by a regional field-sales organization covering four German regions (West, North, South, East) and a central broker support team in Roßdorf, plus direct online channels via tariff calculators. 2023 premium income reached 256 million EUR (up 4.2% from 243 million EUR in 2022), with insurance technical net result of 28.2 million EUR and annual surplus after taxes of 24.9 million EUR. As a mutual (VVaG), the entity is owned by its policyholders rather than external shareholders, with no subsidiaries, parent company, or external investors.

Name

Liability Fund Darmstadt

Legal name

Die Haftpflichtkasse VVaG

Website

https://haftpflichtkasse.de

Company type

Private

Founded year

1899

Operating status

Operating

Headcount range

251–500 employees

Short description

Die Haftpflichtkasse VVaG is a 125-year-old German mutual insurance association (VVaG) headquartered in Roßdorf near Darmstadt, specializing in property-and-casualty coverage — private liability, animal-owner liability, household, and accident — for individual consumers and small-to-medium businesses, distributed primarily via independent insurance brokers.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Public Liability (Premises/Operations) (FSAJADAD)

Keywords

• Private liability insurance
• Household insurance products
• Accident insurance coverage
• Animal owner liability
• Business liability insurance

Headquarters

HQ city

Roßdorf

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Revenue model

1. Insurance Premiums: Core revenue from property and casualty insurance premiums. Policyholders pay regular premiums for coverage including private liability, pet owner liability, household, and accident insurance. The company operates as a mutual insurance association (VVaG).

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Die Haftpflichtkasse VVaG is a German mutual insurance association (Versicherungsverein auf Gegenseitigkeit) providing property and casualty insurance products to private and commercial customers in Germany. Its core offerings span private liability, animal owner liability (dogs and horses), household, and accident insurance for individuals, alongside business liability coverage tailored to industries such as gastronomy, trades, healthcare, property management, and agriculture. The company distributes through independent insurance brokers and direct online channels, supported by proprietary digital platforms (HK Extranet, Meine HK).

Product overview

Die Haftpflichtkasse is a mutual insurance association (VVaG) offering a comprehensive portfolio of property and casualty insurance products for both private and commercial customers. The core product lines include private liability insurance (Privathaftpflicht), animal owner liability (Tierhalterhaftpflicht), household insurance (Hausratversicherung), and accident insurance (Unfallversicherung), each available in three tier levels (Einfach Komplett, Einfach Besser, Einfach Gut). For commercial customers, the company provides specialized business liability products tailored to specific industries including gastronomy, healthcare, beauty services, property management, and agriculture. The product ecosystem includes various add-on modules such as StrafrechtPlus Privat for criminal law defense, JurCyber Privat for internet legal protection, and Fahrrad-Schutzbrief for bicycle assistance services. The HK Extranet serves as the primary digital platform for insurance brokers to manage customer portfolios and access sales tools.

Differentiator

Problem solved

Functional benefit

Products and services

• Privathaftpflichtversicherung (Private Liability Insurance) Private liability insurance protecting individuals against claims for damages to persons, property, or financial losses caused to third parties. Available in three tariff lines: Einfach Komplett (most comprehensive), Einfach Besser (mid-tier), and Einfach Gut (basic). Targeted at singles, couples, and families.
• Tierhalterhaftpflichtversicherung (Animal Owner Liability Insurance) Liability insurance for animal owners (dogs and horses) protecting against financial consequences when their pet causes damage to others. Includes active legal protection for animal owners as a standard feature.
• Hausratversicherung (Household Insurance) Household insurance covering damage to personal belongings from fire, burglary, water leakage, storm, hail, and optionally elemental hazards and glass breakage. Offers coverage up to 250,000 EUR with optional add-ons for bicycles, internet legal protection, and unnamed risks.
• Unfallversicherung (Accident Insurance) Private accident insurance with tiered tariff structure (Einfach Komplett, Einfach Besser, Einfach Gut) providing coverage for accident-related injuries. Available for insured persons up to age 81. Includes optional help package for domestic and organizational assistance after accidents.
• Betriebshaftpflicht (Business Liability Insurance) Business liability insurance for commercial enterprises covering industry-specific risks. Specialized versions available for gastronomy/hotels, trade businesses, office operations, property managers, construction trades, health professions, beauty care, elderly care facilities, rehabilitation clinics, events, agricultural operations, and associations.
• Dienst- und Amtshaftpflicht (Professional Liability for Public Sector) Professional liability insurance for public sector employees including civil servants, military personnel, police, and employees of government agencies, schools, and religious institutions.
• Umweltschadensversicherung (Environmental Damage Insurance) Environmental damage insurance for businesses covering liability for environmental harm as required by environmental laws.
• AGG-Versicherung Insurance against claims under the General Equal Treatment Act (AGG) protecting businesses from discrimination-related lawsuits.
• StrafrechtPlus Privat Optional criminal law defense add-on to private liability insurance covering accusations such as slander, tax evasion, defamation, failure to render assistance, and criminal charges - in private life, at work, and in voluntary club activities.
• Fahrrad-Schutzbrief (Bicycle Protection Certificate) Bicycle protection certificate add-on to household insurance providing 24-hour roadside assistance, replacement bicycles, and hotel cost coverage when cycling. Available for the whole family for 21 euros net per year.
• HK Extranet Online broker portal providing 24/7 access to customer portfolios, policy management, claims viewing, commission data, and sales materials. Supports BiPro and GDV data standards for insurance broker integration.

Quantifiable outcome

• 99.9% phone availability for brokers
• +2 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core, strategic and minor.

• VEMA eGcoreChannel Partner/ Reseller/ Distributor · 1 April 2026Service-Level Agreement partnership with VEMA broker network establishing measurable quality standards including 5-day processing times for quotes and policies, 10-day case completion targets, and 95% phone availability without waiting. Effective April 2026.
• GooglestrategicTechnology or Integration · 10 September 2025Strategic partnership for Google Workspace implementation. Die Haftpflichtkasse is among first German insurers to adopt Google's business productivity and collaboration tools for digital transformation.
• SV Darmstadt 98coreGTM or Marketing Partner · 10 June 2024Premium partner sponsorship extended until June 2027. Includes logo rights, LED stadium advertising at Merck-Stadion am Böllenfalltor, performance marketing, and joint Ehrenamtspreis volunteer award program with 3,000 EUR prizes for four regional sports clubs annually.
• HEAG FairCupminorGTM or Marketing Partner · 1 December 2021Environmental partnership supporting HEAG FairCup project for reusable cup systems in Darmstadt region. Die Haftpflichtkasse is the largest project partner, financing promotional materials to increase awareness of reusable alternatives.
• Canada LifeminorStrategic or Co-development Partner · 17 October 2019Co-publisher of Makler-Kompass (Broker Compass) together with KS/AUXILIA Rechtsschutz. Joint development of pocket-format reference book covering private property insurance, income protection, and legal protection.
• KS/AUXILIA RechtsschutzminorStrategic or Co-development Partner · 17 October 2019Co-publisher of Makler-Kompass (Broker Compass) together with Canada Life. Joint development of pocket-format reference book covering private property insurance, income protection, and legal protection.
• Haufe GroupminorStrategic or Co-development Partner · 17 October 2019Cooperation partner in developing Makler-Kompass (Broker Compass) reference book for insurance brokers.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• ARAG SE: Düsseldorf-based family-owned insurer with leading positions in legal protection insurance and a broad P&C portfolio including liability. Comparable on German personal-lines focus and complementary products like StrafrechtPlus-style offerings.
• DEVK Versicherungen: German mutual insurer offering liability, household, accident, and legal protection insurance, distributed through a broker/agent channel. Comparable on product portfolio, mutual structure, and mid-size German personal P&C positioning.
• VHV Versicherungen: Hannover-based mutual P&C insurer with a strong German broker channel and leading positions in liability, motor, and household lines. Highly comparable on customer base (brokers and end-customers), product mix, and mutual ownership structure.
• R+V Versicherung: Cooperative-affiliated German insurer (part of DZ Bank group) offering a broad P&C portfolio including private liability, household, and accident. Comparable on product scope and German personal-lines distribution; larger and more diversified.
• LVM Versicherung: Münster-based mutual insurer focused on personal lines including private liability, household, and accident. Directly comparable niche focus, mutual ownership, and German regional broker/agent distribution model.
• HUK-COBURG: Germany's largest mutual-style P&C insurer with strong private liability and household lines distributed heavily through agents/brokers. Directly comparable business model, mutual/customer-owned orientation, and personal-lines P&C focus to Die Haftpflichtkasse.
• WGV Versicherung: Stuttgart-based mutual P&C insurer with strong liability, household, and accident product lines. Highly comparable on mutual structure, mid-sized German personal P&C focus, and broker/agent channel — and notably the prior employer of Die Haftpflichtkasse's new CEO.

Broad incumbents

• Allianz Versicherungs-AG (Allianz Germany): Germany's largest P&C insurer offering personal liability, household, accident, and commercial lines across broker, agent, and direct channels. A broad incumbent that competes with Die Haftpflichtkasse in personal liability and household, with vastly greater scale and brand spend.
• HDI Versicherung (HDI Group / Talanx): Major German P&C and life insurer within the Talanx group, offering personal liability, household, motor, and commercial lines through brokers and direct channels. Larger, broader portfolio than Die Haftpflichtkasse but competes head-on in private liability and household.

Others

• ROLAND Rechtsschutz-Versicherung AG: German legal-protection specialist that is already an active product partner of Die Haftpflichtkasse (StrafrechtPlus Privat and Fahrrad-Schutzbrief). Included as a strategic-adjacent peer because of the co-developed product relationship and overlapping customer base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/haftpflichtkasse

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Liability Fund Darmstadt