EFFEKT

What EFFEKT does

EFFEKT Wirtschaft und Recht GmbH is a privately held German insurance broker and corporate advisory firm headquartered in Mülheim-Kärlich, Rhineland-Palatinate, operating nationwide since 2021. Founded in 2007 and now structured as a holding group with wholly-owned subsidiary ECS Corporate Solutions GmbH, the firm serves small and mid-sized enterprises (SME) in construction, trades/craft, manufacturing, professional services, and healthcare — targeting owner-managers with at least five employees, EUR 1 million+ in annual revenue, and three or more years of operating history. The firm combines licensed insurance brokerage (§34d GewO), financial advisory (§34f GewO), loan brokerage (§34c GewO), and interdisciplinary legal advisory under one roof, supported by a team of approximately 50 economists and fully qualified lawyers (Volljuristen) plus an external expert network of actuaries, international reinsurers, appraisers, notaries, auditors, and tax advisors.

The product portfolio is branded under several registered trademarks: EFFEKT Versicherungsrecht (insurance law consulting and contract review), EFFEKT Motorcare (fleet insurance and damage management), EFFEKT Vorsorgemanagement (pension commitment advisory), EFFEKT Bürgschaft (surety solutions for construction), EFFEKT Human Resources, and EFFEKT Corporate Solutions (tax, succession, M&A, financing). A core proprietary mechanism is the EFFEKT Versicherungsrechts-Zertifikat, a recurring review and documentation process that certifies commercial insurance portfolios against current jurisprudence and industry requirements. The firm pools SMEs within the same industry to negotiate exclusive framework contracts with carriers (Allianz, Hiscox consortium and others) and reinsurers, claiming up to 30% premium reductions while maintaining equivalent coverage. No proprietary software platform is disclosed — the offering is delivered as expert advisory services augmented by a broker management system and digitalized internal processes.

Revenue is generated through four streams: carrier-paid brokerage commissions on placed commercial policies (the dominant stream), financial advisory fees, corporate consulting/project fees, and loan brokerage commissions. Pricing is not publicly listed; the funnel begins with a free, non-binding initial consultation (Erstgespräch) followed by a structured four-step engagement. Go-to-market is sales-led and direct, supported by content marketing (blog, YouTube), trade guild presentations (100+ Fachvorträge delivered as of 2023), PR coverage in FAZ/Forbes/n-tv, and referral partnerships with tax advisors and lawyers. Professional liability cover of at least EUR 32.5 million per year significantly exceeds statutory minimums.

Name

EFFEKT

Legal name

EFFEKT Wirtschaft und Recht GmbH

Website

https://effekt.de

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

EFFEKT is a German insurance broker and corporate advisory firm serving SME owner-managers in construction, trades, manufacturing, professional services, and healthcare nationwide, combining licensed insurance brokerage with in-house legal expertise to negotiate pooling-based commercial insurance and corporate solutions.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industries

Professional Liability (E&O) (FSAJAGAC), Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Management Liability (D&O/EPL/Fiduciary) (FSAJAGAD), Professional Liability (E&O) Reinsurance (FSAOADAH)

Keywords

• Commercial insurance brokerage
• Insurance law advisory
• Pension management consulting
• Fleet insurance services
• Corporate legal advisory

Headquarters

HQ city

Mülheim-kärlich

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage (Versicherungsmakler): As a licensed insurance broker (Versicherungsmakler) registered with §34d Abs. 1 GewO, EFFEKT earns commissions from insurance providers for placing commercial insurance policies. Revenue is generated through policy premiums, with the company offering savings of up to 30% on existing insurance costs for clients. The company operates on a best-price guarantee model.
2. Financial Advisory (Finanzanlagenvermittlung): As a licensed financial advisor under §34f Abs. 1 GewO, EFFEKT earns fees for advisory services related to capital investments for entrepreneurs, including asset allocation and retirement planning.
3. Corporate Solutions Consulting: Provides interdisciplinary advisory services including corporate consulting, tax optimization, liability reduction, succession planning, and M&A transaction support. Revenue is earned through consulting fees, both one-time project engagements and ongoing advisory retainers.
4. Debt Mediation (Darlehensvermittlung): As a licensed loan broker under §34c Abs. 1 Nr. 2 GewO, EFFEKT earns commissions for mediating loan and financing arrangements for business clients.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

EFFEKT is a German insurance law and consulting firm that brokers commercial insurance, advises on insurance law, manages company pension schemes, structures fleet insurance, and provides corporate legal and HR solutions. The firm primarily serves managing directors and owners of small and medium-sized enterprises (SMEs) across Germany, bundling insurance placement, claims support, pension restructuring, and corporate legal advisory under long-term partnership engagements. Revenue is generated through commissions from insurer partnerships and fees for legal and corporate consulting services.

Product overview

EFFEKT is an interdisciplinary, legally-focused corporate group offering a portfolio of specialized consulting services for mid-sized companies. The core offerings include EFFEKT Versicherungsrecht® (insurance law consulting), EFFEKT Motorcare® (fleet insurance), EFFEKT Human Resources® (HR management), EFFEKT Vorsorgemanagement® (pension planning), and Corporate Solutions (tax/legal/business consulting). Services are complemented by Wengenstein Rechtsanwälte (legal services network), the Versicherungsrechts-Zertifikat (contract certification), and in-house claims management. The group operates without a unified software platform, instead providing specialized human expert services across insurance brokerage, legal advisory, and corporate consulting.

Differentiator

Problem solved

Functional benefit

Brands

• EFFEKT Versicherungsrecht®: Insurance law consulting services for commercial/industrial insurance contracts
• EFFEKT Motorcare®
• EFFEKT Vorsorgemanagement®
• EFFEKT Human Resources®

Products and services

• EFFEKT Versicherungsrecht®
• EFFEKT Motorcare®
• EFFEKT Vorsorgemanagement®
• EFFEKT Corporate Solutions
• EFFEKT Versicherungsrechts-Zertifikat
• EFFEKT Bürgschaft

Quantifiable outcome

• Up to 30% reduction in commercial insurance premiums for clients with equivalent or better coverage
• +4 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Six partnerships are on record, tiered core, secondary and minor.

• Wengenstein® Rechtsanwälte (Law Firm Network)coreStrategic or Co-development Partner · 1 January 2016Cooperation network established in 2016 with Wengenstein® Rechtsanwälte, a network of specialized lawyers. This partnership provides the legal backbone for EFFEKT's advisory services, enabling interdisciplinary legal consulting combining insurance law, construction law, corporate law, and tax law. EFFEKT's legal team draws on this network for specialized legal support in advisory engagements.
• Allianz Versicherung AGcoreOthersPrimary professional liability insurer (Vermögensschadenshaftpflichtversicherer) for EFFEKT. Allianz provides the company's mandatory professional liability insurance coverage at EUR 32.5 million minimum annual capacity under consortium arrangements (Konsortialversicherung).
• Hiscox Insurance Company Ltd (German Branch)secondaryOthersSecondary professional liability insurer for ECS Corporate Solutions GmbH, providing supplementary coverage as part of the consortium arrangement for professional liability insurance.
• International ReinsurerscoreOthersEFFEKT maintains business relationships with international reinsurance companies, enabling access to reinsurance markets for covering complex and high-sum commercial insurance risks. Reinsurance relationships allow the provision of larger coverage limits than typically offered by individual primary insurers and enable development of specialized coverage concepts tailored to specific industries.
• Expert Network (Aktuare, Sachverständige, Notare, Wirtschaftsprüfer, Steuerberater)coreStrategic or Co-development PartnerEFFEKT supplements its in-house team of 50 economists and lawyers with an extensive expert network comprising actuaries (Aktuare), appraisers (Sachverständige), notaries (Notare), auditors (Wirtschaftsprüfer), and tax advisors (Steuerberater). This network supports complex advisory engagements in pension management, M&A transactions, corporate restructuring, and specialized insurance underwriting.
• VEMA eG (Insurance Broker Network)minorChannel Partner/ Reseller/ DistributorPartnership with VEMA eG, a German insurance broker cooperative network. EFFEKT's claims management team has earned VEMA certification as qualified Claims Managers. VEMA provides access to broker network resources, training, and industry standards.

Scale indicators5 records

Recent moves12 records

Expansion highlights6 records

Direct peers

• MRH Trowe: MRH Trowe is a Frankfurt-based independent insurance broker focused on mid-market and SME clients across Germany. Directly comparable to EFFEKT in commercial insurance brokerage with sector specializations (e.g., trades, construction) and claims management.
• Funk Gruppe: Funk Gruppe is one of the largest independent German insurance brokers and risk consultants, headquartered in Hamburg. Directly comparable to EFFEKT as a multi-line Versicherungsmakler serving corporate and SME clients with integrated risk advisory across Germany.
• Ecclesia Group: Ecclesia is a leading German insurance broker specialized in selected sectors (healthcare, churches, welfare organizations). Comparable to EFFEKT as a niche specialist broker using domain expertise and exclusive insurance programs rather than competing purely on price.
• MLP SE: MLP is a German financial advisory and brokerage group serving SMEs, professionals and high-net-worth individuals. Comparable to EFFEKT in providing insurance brokerage alongside financial advisory and pension consulting under a multi-license model (§34d, §34f).
• GGW Group: GGW Group is an independent German insurance broker serving SME and mid-market clients across multiple commercial lines. Comparable to EFFEKT as a multi-line Versicherungsmakler with integrated claims management and risk advisory for the German Mittelstand.

Broad incumbents

• Marsh Germany: Marsh is a global insurance broker and risk advisor with German operations focused on corporate and complex commercial risks. Comparable to EFFEKT in commercial insurance placement and claims advocacy, but operates at much larger scale and a wider range of industries.
• Aon Germany: Aon is one of the world's largest insurance brokers with a substantial German practice serving mid-market and large corporate clients. Overlaps with EFFEKT in commercial insurance brokerage and risk advisory but at much greater scale and broader portfolio.
• Willis Towers Watson Germany: WTW (Willis Towers Watson) is a global advisory, brokerage and solutions company with significant German operations serving large corporate and mid-market clients. Comparable to EFFEKT in integrated risk and insurance brokerage but as part of a broader advisory portfolio.

Emerging players

• Thinksurance: Thinksurance is a Frankfurt-based InsurTech platform that digitizes SME commercial insurance distribution and comparison. Comparable to EFFEKT as it targets the same German SME customer base for commercial insurance, though focused on self-service digital comparison versus EFFEKT's expert advisory.

Others

• Wengenstein Rechtsanwälte: Wengenstein Rechtsanwälte is a German law firm network specialized in insurance law, construction law and corporate law. Directly comparable as EFFEKT's strategic cooperation partner since 2016, providing the legal backbone for EFFEKT's interdisciplinary advisory model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@EFFEKT-Unternehmensgruppe
• Xx.com/EffektU
• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/effekt-unternehmensgruppe

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

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 EFFEKT