Grun Versichert

What Grun Versichert does

Grün Versichert GmbH is a licensed German insurance broker (Versicherungsmakler, §34d GewO, license granted 26.06.2014) that distributes ESG-aligned insurance products to sustainability-conscious consumers, corporates, and associations in Germany. The company is headquartered in Weilheim in Oberbayern (Kaltenmoserstraße 10) under managing directors Floriane Reichenberg and Jens-Uwe Rohwer, and was acquired by new owners in 2019 who pivoted the business toward scaling broker-channel distribution.

The core technology is the Digitaler Versicherungsmanager, an online portal enabling direct purchase and management of green insurance products (private liability, household contents, residential building, accident, legal expenses, electric vehicle, and association liability). The platform layers three proprietary sustainability mechanisms on top of standard insurance contracts: the Nachhaltigkeitsbonuspunkte system (each point yields 1% premium discount, capped at 10%), the ESG-E2 Bonus / Cashback-for-Green system (3% of net premium returned for sustainability impact, 70% customer-directed via cashback4green.de), and greensFAIR® ESG-Zusatzbedingungen add-on conditions providing Mehrleistungen für nachhaltigen Schadenersatz (eco-labeled replacements, bio-food during hospitalization, memorial trees, EV mobility grants). The technical platform is operated by sister firm JustNow IT GmbH; IP for the label and bonus mechanics sits with Greensurance Stiftung. EU Taxonomy-compliant variants have been introduced.

Revenue is generated primarily through broker commissions (Courtage) paid by partner carriers — Waldenburger Versicherung AG, Ostangler Brandgilde VVaG, and DMB Rechtsschutz AG — on premiums collected from policyholders. The 3% cashback-for-green is a cost-recovery/bonus mechanism rather than a profit line. Distribution is multi-channel: direct digital self-serve via the Versicherungsmanager, an external broker (Makler) partner program, corporate group sales (Belegschaftsgeschäft) for employers with 100+ employees, and an "ergrünen" service that greens existing policies without requiring a carrier switch. Pricing is not publicly disclosed; no revenue, headcount, or funding figures are available.

Name

Grun Versichert

Legal name

grün versichert GmbH

Website

https://gruen-versichert.de

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Grün Versichert is a German licensed insurance broker (Versicherungsmakler) founded in 2014 that distributes ESG-aligned insurance products — private liability, household, residential building, accident, legal expenses, and EV — to sustainability-conscious individuals, corporates, and associations through its Digitaler Versicherungsmanager platform and a broker partner program.

Ownership category

akta.pro rank

Product category

Sustainable Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial General Liability (CGL) (FSAJADAA)

akta.pro secondary industry

Nonprofit / Social Services BOP (FSAJAFAM)

Keywords

• Sustainable insurance brokerage
• Green insurance products
• ESG insurance solutions
• Ecological insurance services
• Ethical insurance broker

Headquarters

HQ city

Hamm

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Broker Commissions: Grün Versichert operates as a licensed insurance broker (Versicherungsmakler). Revenue is generated through commissions (Courtage) paid by partner insurance companies (Waldenburger, Ostangler Brandgilde, DMB Rechtsschutz) on premiums collected from policyholders. Commissions are earned at policy inception and renewal.
2. 3% Cashback for Green from Net Premium: The company commits to returning 3% of the net insurance premium as 'cashback for green'. Of this, 30% goes to green development goals managed by grün versichert and 70% is allocated via the customer-controlled ESG-E2 bonus. This is a cost-recovery/bonus mechanism rather than a profit center, reflecting the company's service-over-profit ethos.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Grün Versichert operates as a German insurance broker (Versicherungsmakler) that exclusively distributes sustainability-aligned insurance products under its own brands such as GREEN FAIR, greenCents and YOLIG. The portfolio covers private liability, household contents, residential building, accident, legal protection and electric vehicle insurance for individuals, plus group/corporate insurance schemes for employers, associations and foundations, all bundled with a digital insurance manager, ESG additional conditions and a sustainability bonus-points cashback mechanism.

Product overview

Grün versichert is a sustainable insurance broker platform offering a comprehensive portfolio of green insurance products designed for the 'Great Transformation' toward sustainable development. The core offering comprises five main insurance products: private liability (Privat-Haftpflicht), household contents (Hausrat), residential building (Wohngebäude), accident (Unfall), and legal protection (Rechtsschutz) insurance. These products are distributed across three target segments: private individuals (Ich Privat), companies (Mein Unternehmen), clubs and foundations (Mein Verein), and employees (Meine Belegschaft). The platform differentiates through proprietary sustainability mechanisms including the Nachhaltigkeitsbonuspunkte reward system (up to 10% premium discount), the Cashback for Green/ESG-E2 Bonus system (returning 3% of net premiums for sustainable impact), greenCents currency, and greensFAIR ESG-Zusatzbedingungen providing Mehrleistungen für nachhaltigen Schadenersatz. Insurance products are underwritten by partner carriers including Ostangler Brandgilde VVaG, Waldenburger Versicherung AG, and DMB Rechtsschutz, while the digital infrastructure is managed by JustNow IT GmbH. The platform operates through a customer-facing Digitaler Versicherungsmanager portal for policy management, quotes, and sustainability tracking.

Differentiator

Problem solved

Functional benefit

Brands

• greensFAIR: ESG-Zusatzbedingungen (sustainable insurance add-on conditions) providing additional benefits for sustainable damage replacement in insurance products.
• Digitaler Versicherungsmanager

Products and services

• Nachhaltige Privat-Haftpflichtversicherung (GREEN FAIR Play Plus)

Quantifiable outcome

• Up to 10% premium discount through Nachhaltigkeitsbonuspunkte (each point = 1% discount)
• +3 more outcomes

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Greensurance Stiftung Für Mensch und Umwelt gGmbHcoreStrategic or Co-development PartnerThe Greensurance Stiftung is the foundational strategic partner of grün versichert. The foundation holds the trademarks for greensFAIR®, the Nachhaltigkeitsbonuspunkte system, and the emissions calculator. It provides sustainability consulting, ESG training (ESGberater certification), administers climate compensation projects (Moorrenaturierung), and supports the Green Development Goal of financing CO2 reduction research via insurance products. The foundation's support enables grün versichert to maintain its sustainability standards and product innovation.
• Waldenburger Versicherung AGcoreChannel Partner/ Reseller/ DistributorWaldenburger Versicherung AG is the primary insurer for grün versichert's accident, household contents, residential building, and electric vehicle insurance products. The Waldenburger is a medium-sized German insurer fully committed to the 'Great Transformation' of sustainable development. It implements 100% ESG-aligned capital investment, complete divestment, CO2 compensation via the Waldenburger Moorprojekt, and offers greensFAIR® ESG add-on conditions. CEO Thomas Gebhardt holds the ESGberater certification.
• Ostangler Brandgilde VVaGcoreChannel Partner/ Reseller/ DistributorOstangler Brandgilde VVaG is a mutual insurance association (Versicherungsverein auf Gegenseitigkeit) that provides the GREEN FAIR Play Plus private liability insurance through grün versichert. It was recognized as a sustainable property insurer in 2022 and 2023 with the NATIVE ESG Silver Seal. The insurer commits 1.5 euro cents per claims euro to climate protection, includes Mehrleistungen for sustainable damage replacement, and offers GREEN conditions for transformation-aligned claims handling.
• DMB Rechtsschutz AGcoreChannel Partner/ Reseller/ DistributorDMB Rechtsschutz AG provides the green legal expenses insurance (YOLIG — YOU LIVE IT GREEN tariff) offered through grün versichert. The YOLIG tariff includes sustainability extensions such as mobility legal protection, solar/PV legal coverage, CO2 compensation for unavoidable emissions, and donations to environmental/climate protection for each policy year. DMB Rechtsschutz offers paperless, email-first claims processing.
• cashback4green / Green Development Goals ProjectsminorOthersThe cashback4green system (cashback4green.de) channels customer ESG-E2 bonus allocations to verified sustainability projects. Specific projects include: CO2 reduction through moor renaturalization (Moorrenaturierung), NEL — Nur Ein Leben retten (social cause), and green best practice organizations. Grü versichert's Green Development Goal (GDG) also funds a master's thesis on CO2 reduction pathways through insurance products, conducted in partnership with academic institutions.

Scale indicators1 record

Recent moves7 records

Expansion highlights6 records

Others

• Tomorrow: German sustainable banking and finance app targeting climate-conscious consumers with values-driven positioning. Adjacent ESG consumer finance brand rather than direct competitor; comparable values-based branding and customer demographic.

Broad incumbents

• Check24: Largest German online comparison platform for insurance and financial products. Competes for the same digital insurance customer in Germany with a broader portfolio and substantially larger marketing budget.
• R+V Versicherung: Large German insurance group (part of DZ Bank Group) with sustainability initiatives and ESG-aligned product offerings. Competes for the broader German insurance market including corporate and group segments.
• Allianz: Germany's largest insurer with global reach, increasingly offering ESG-aligned products and sustainability investment options. A mass-market incumbent that grün versichert's niche positioning is differentiated against.
• HUK-Coburg: Major German mutual insurer with growing ESG and sustainability product lines. Broad incumbent competing for the same personal lines customers in the German market.
• Zurich Insurance: Global insurer with stated sustainability commitments and ESG product offerings in the German market. Represents the broad incumbent category of established insurers entering sustainable insurance territory.

Emerging players

• Lemonade: Values-driven, B-Corp certified global insurtech using a digital-first model with social/environmental giving mechanics. Comparable mission alignment around purpose-driven insurance and tech-led distribution, though operating in different geographies.

Direct peers

• Clark: German digital insurance broker (Versicherungsmanager) covering liability, household, building, accident and other personal lines. Direct competitor in the digital self-serve insurance distribution model with a comparable multi-carrier approach.
• Verivox: Major German online comparison portal for insurance, energy, and financial products. Competes with grün versichert for digital insurance shoppers and offers comparison-based distribution of personal lines products.
• Getsafe: German insurtech offering digital insurance products (liability, household, etc.) via a self-serve app. Targets a similar digitally-native customer base and competes for the same online insurance shopper.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/gruenversichern
• Facebookfacebook.com/gruenversichert

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Grun Versichert