goCaution

Name

goCaution

Legal name

goCaution AG

Website

https://gocaution.ch

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Rental Deposit Insurance

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Surety Insurance (6351)

akta.pro primary industry

Notary / Bail / Miscellaneous Consumer Bonds (FSAJAIAK)

Keywords

• Rental deposit insurance
• Digital insurance broker
• Tenant deposit guarantees
• MGA insurance services
• Commercial rental bonds

Headquarters

HQ city

Bern

HQ country

Switzerland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Annual Insurance Premiums (Private): Annual subscription premiums charged to private tenants for rental deposit insurance coverage. Premiums are calculated based on the deposit amount and provide coverage for the rental period. Renewal occurs annually with consistent pricing.
2. Annual Insurance Premiums (Business): Annual subscription premiums for commercial rental deposit insurance, with individually customized quotes based on deposit amount and business characteristics. Higher premium base starting from CHF 236.25 per year.
3. Premium Calculation Based on Deposit Amount: Pricing scales with the rental deposit amount (maximum 30,000 CHF). Premium includes stamp duty. Annual billing with same premium amount upon renewal.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

goCaution sells annual rental deposit insurance policies that replace traditional cash security deposits for residential and commercial tenants in Switzerland. Policies are issued as digital PDF/A certificates with blockchain-based forgery protection, issued via ProTect Versicherung AG as risk carrier, and distributed through a self-service online portal with telephone and email support in German, French, Italian, and English.

Product overview

goCaution is a digital insurance broker specializing in rental deposit guarantees (Mietkautionsversicherung) in Switzerland. The company operates as an MGA (Managing General Agent) working with ProTect Versicherung as the risk carrier. The core offering consists of goCaution private (for residential tenants starting at CHF 94.50/year) and goCaution business (for commercial tenants from CHF 236.25/year), both providing digital alternatives to traditional cash security deposits. Supporting these core products are the Vermieter-Portal (Landlord Portal) for property managers to administer certificates, the Kunden-Portal (Customer Portal) for tenants to manage policies, and add-on services including Vorabbestätigung (pre-confirmation), Mietzinsdepot Freischaltung (deposit release), and Anbieterwechsel (provider switching). The company differentiates through high digitalization, paperless processes, and integration with the ProTect Versicherung risk backbone.

Differentiator

Problem solved

Functional benefit

Brands

• goCaution private: Rental deposit insurance product for private residential rental agreements, starting from CHF 94.50 per year
• goCaution business

Products and services

• goCaution private Annual rental deposit insurance for private residential rental agreements in Switzerland, allowing tenants to rent an apartment without paying a cash security deposit. The product issues a digital deposit certificate to the landlord as proof of security coverage, with premiums starting from CHF 94.50 per year (including stamp duty) and maximum coverage of CHF 30,000.
• goCaution business Commercial rental deposit insurance for businesses and commercial tenants in Switzerland renting office, retail, or industrial premises. Premiums start from CHF 236.25 per year with individual assessment, are tax-deductible, and provide a digital deposit certificate to the commercial landlord.

Quantifiable outcome

• Annual savings of CHF 94.50+ vs. 2-3 months rent deposit
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature5 records

Partnerships

One partnership is on record.

• ProTect Versicherung AGcoreStrategic or Co-development Partner · 1 January 2009ProTect Versicherung AG is the exclusive risk carrier/insurance provider for goCaution's rental deposit insurance products. Founded in 2009, ProTect is a specialist provider of embedded insurance solutions and belongs to Sparkassen-Finanzgruppe, the largest financial group in Europe. goCaution acts as a bound insurance broker (gebundener Vermittler) for ProTect, handling all contract administration and customer service. The partnership provides 100% security for landlords as beneficiaries.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Kautionsfrei: Another German MGA offering rental deposit guarantees / insurance to tenants and landlords. Closely comparable product, customer profile, and digital self-service model to goCaution, serving the adjacent DACH market.
• Deutsche Kautionskasse: Germany's leading MGA for rental deposit insurance (Mietkautionsversicherung). Operates an almost identical model to goCaution — digital issuance, partnership with an underwriting carrier, focus on replacing cash deposits — and is the most directly comparable competitor, but in the German market.

Emerging players

• wefox: European insurance platform connecting customers to carriers via digital channels. Thematically comparable as a European insurtech intermediary, though wefox operates a broader multi-line distribution model rather than a single-product specialist like goCaution.
• Lemonade: Public, AI-led insurtech offering renters and home insurance in multiple markets. Comparable as a digital-native insurance brand redefining customer experience, though broader product scope and different geographies than goCaution.
• Getsafe: German digital insurance platform (insurtech) covering multiple personal lines through a digital-first experience. Comparable as a digitally-native European insurance intermediary, with overlap in target customer (digitally active renters) but broader product scope.

Broad incumbents

• Allianz Suisse: Swiss arm of one of the world's largest insurance groups, offering a full P&C portfolio including rental guarantee-style products. Represents the incumbent alternative that goCaution's digital experience is benchmarked against.
• Baloise Group: Major Swiss insurance carrier offering property, liability, and tenant-related coverages, including rental guarantee products. A broad incumbent against which goCaution competes for landlord and tenant mindshare in Switzerland.
• Generali Switzerland: Swiss subsidiary of the Generali Group, providing property and casualty insurance including rental guarantee products. A traditional incumbent competing for the same landlord relationships as goCaution, with broader product portfolios.
• Helvetia Insurance: Swiss-headquartered multi-line insurer with property and casualty offerings relevant to the rental deposit use case. Provides an established alternative to goCaution for landlords and property managers seeking a single carrier for multiple coverages.

Others

• ProTect Versicherung AG: goCaution's exclusive risk carrier and embedded-insurance specialist within Sparkassen-Finanzgruppe. Not a competitor but a strategic counterpart and dependency; comparable as a reference point for the underwriting economics behind goCaution's product.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/gocaution
• LinkedInlinkedin.com/company/gocaution

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 goCaution