Liability Fund Darmstadt
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.
- Company typePrivate
- Founded1899
- HeadquartersRoßdorf, Germany
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
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.
Liability Fund Darmstadt firmographics
Firmographics- 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
Liability Fund Darmstadt industry classification
Industry- 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
Where Liability Fund Darmstadt is headquartered
LocationHeadquarters
- HQ city
- Roßdorf
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Liability Fund Darmstadt business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
Revenue model
- 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
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Unfallversicherung Einfach - Tiered product line (Gut, Besser, Komplett) |
| Subscription | Annual | Hausratversicherung Einfach - Tiered product line (Besser, Komplett) |
| Subscription | Annual | Tierhalter-Haftpflichtversicherung - Family and Family with deductible variants |
| Subscription | Annual | Privathaftpflicht Einfach - Tiered product line (Gut, Besser, Komplett) |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
Liability Fund Darmstadt product offering
Product offeringCore 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
Companies that use Liability Fund Darmstadt
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles3 records
Liability Fund Darmstadt technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature4 records
Liability Fund Darmstadt partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core, strategic and minor.
- VEMA eGcoreService-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.
- GooglestrategicStrategic 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 98corePremium 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 FairCupminorEnvironmental 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 LifeminorCo-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 RechtsschutzminorCo-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 GroupminorCooperation partner in developing Makler-Kompass (Broker Compass) reference book for insurance brokers.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Liability Fund Darmstadt competitors and assessment
Company assessmentDirect 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
Liability Fund Darmstadt social profiles
Digital presenceLiability Fund Darmstadt compliance and trust
Trust signalCompliance2 records
Liability Fund Darmstadt financial estimates
Financial estimateRevenue estimate
Valuation estimate
Liability Fund Darmstadt leadership team
Management profileNumber of profiles
Profiles10 records
Liability Fund Darmstadt funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Liability Fund Darmstadt M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Liability Fund Darmstadt
What does Liability Fund Darmstadt do?
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).
Is Liability Fund Darmstadt a public or private company?
Liability Fund Darmstadt is a private company. It is classified as unknown and is currently operating.
When was Liability Fund Darmstadt founded?
Liability Fund Darmstadt was founded in 1899. It employs 251 to 500 people.
Where is Liability Fund Darmstadt based?
Liability Fund Darmstadt is headquartered in Roßdorf, Germany, in the Europe region.
How does Liability Fund Darmstadt make money?
One revenue line is on record: insurance Premiums.
Who are Liability Fund Darmstadt's main competitors?
Direct peers on record are ARAG SE, DEVK Versicherungen, VHV Versicherungen, R+V Versicherung, LVM Versicherung, HUK-COBURG and WGV Versicherung. Broad incumbents are Allianz Versicherungs-AG (Allianz Germany) and HDI Versicherung (HDI Group / Talanx). ROLAND Rechtsschutz-Versicherung AG is listed as an others.
Does Liability Fund Darmstadt have an API?
Yes. The Haftpflichtkasse offers a BiPro-enabled integration for insurance brokers, allowing standardized data exchange for policy management, commission tracking, and claims processing. The company uses GDV data standards for insurance data exchange. Brokers can access their customer portfolios, policy changes, and commission data through the HK Extranet portal which connects via these standards.
What industry is Liability Fund Darmstadt in?
Liability Fund Darmstadt's product category is Property and Casualty Insurance. Its primary akta.pro industry code is FSAJADAD, Public Liability (Premises/Operations). Its NAICS code is 524126 and its SIC code is 6331.