AVM Smart

What AVM Smart does

AVM Smart is an independent insurance broker (Versicherungsmakler) headquartered in Wels, Austria, operating under the legal entity AVERS Versicherungsmakler GmbH. Founded as a brand in September 2018 by brothers Benjamin and Sebastian Arthofer, the company builds on a family insurance legacy dating to 1976. It serves Austrian private customers and small-to-medium businesses with a portfolio spanning life, health, occupational disability, accident, pension, motor, home, legal protection, and building savings products, as well as commercial lines including D&O/professional liability, cybercrime, fleet, transport, business interruption, corporate pension, and business building coverage. The firm represents 35+ insurance product partners (Allianz, Generali, ERGO, Uniqa, Wiener Städtische/VIG, Zurich, ARAG, and others) enabling independent comparison-based advisory.

The technology stack centers on an online consultation platform with screen-sharing (via screenleap and HubSpot booking), cloud-based document management, and modern comparison software for transparent premium analysis across the 35+ carrier partners. AVM Smart has additionally deployed AI-powered chat and voice agents (Sprachsteuerung) that handle initial telephone outreach after form submission, post-contract service calls, inquiry transmission, and marketing outreach, operating on predefined scripts with hashed customer data for privacy. The firm also produces podcast, video, and educational content distributed via YouTube, Spotify, iTunes, LinkedIn, Instagram, and Facebook.

AVM Smart earns revenue through insurance commissions on policies placed with its carrier partners (transaction-fee model). Customer acquisition is sales-led via a hybrid online/in-person motion: customers book free, non-binding consultations online, receive screen-shared presentations comparing carriers, and complete policies digitally or in office. The customer base exceeds 1,200 active customers across private and business segments, and the company reports a Google rating of 4.9/5 (112 reviews) and a Facebook rating of 5.0/5 (16 reviews). Geographic reach is Austria-wide via digital channels, with physical office consultations at Bahnhofstrasse 54, Wels.

Name

AVM Smart

Legal name

AVERS Versicherungsmakler GmbH

Website

https://avmsmart.at

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

AVM Smart is an independent Austrian insurance broker (operating as AVERS Versicherungsmakler GmbH, Wels) serving private and business customers with a digital-first consultation model across 35+ carrier partners in life, health, disability, property, and commercial lines.

Ownership category

akta.pro rank

Product category

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

Captive Insurance Advisory & Management (FSAEADAF)

Keywords

• Independent insurance brokerage
• Personal insurance advisory
• Commercial insurance consulting
• Online insurance consultation
• Insurance product comparison

Headquarters

HQ city

Wels

HQ country

Austria

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission: As an independent insurance broker (Versicherungsmakler), AVM Smart earns commissions from insurance companies for policies placed. They represent customers, not insurers, and provide transparent, independent comparison and advice.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

AVM Smart is an independent insurance broker (Versicherungsmakler) representing customers rather than insurers, providing personalized digital consultation combined with traditional advisory services. The company offers a broad insurance portfolio covering personal lines (life, health, occupational disability, accident, motor, home, legal protection, retirement, building savings) and commercial lines (professional liability/D&O, cybercrime, fleet, business legal protection, transport, business interruption) sourced from 35+ product partners. Customers can book free online consultations, receive screen-shared product comparisons, and complete policies digitally.

Product overview

AVM Smart operates as an independent insurance broker offering a portfolio of insurance products for private and business customers. The core offering centers on personal risk insurance products including life insurance (Risikolebensversicherung), private health insurance, occupational disability insurance, pension provision, and accident insurance. Additional products include motor vehicle, home contents, legal protection, and building savings for private customers, while business offerings encompass professional liability, cyber insurance, fleet coverage, and business interruption insurance. The company differentiates through its 'personal-digital' consulting model combining online video consultation with traditional advisory services, supported by partnerships with over 35 insurance product providers.

Differentiator

Problem solved

Functional benefit

Products and services

• Risikolebensversicherung (Term Life Insurance) Term life insurance providing financial protection for dependents in case of the insured person's death, covering family security and credit repayment needs. Targeted at private customers seeking income replacement for survivors.
• Private Krankenversicherung (Private Health Insurance) Private health insurance supplementing the statutory Austrian healthcare system with additional benefits such as private hospital rooms, choice of doctor, dental coverage, and travel insurance. Targeted at private customers seeking enhanced medical coverage.
• Berufsunfähigkeitsversicherung (Occupational Disability Insurance) Occupational disability insurance that closes the gap between state coverage and regular income when someone cannot work due to illness or accident. Targeted at private customers, particularly working professionals and parents.
• Pensionsvorsorge / Altersvorsorge (Retirement Pension Provision) Retirement pension provision to secure the financial gap between statutory pension and desired living standard, with options for lump sum or regular payments. Targeted at private customers planning for retirement.
• Private Unfallversicherung (Private Accident Insurance) Private accident insurance covering leisure-time accidents, providing lump sum payments, accident cost coverage, disability pensions, and daily allowances. Targeted at private customers seeking off-work accident protection.
• KFZ-Versicherung (Motor Vehicle Insurance) Motor vehicle insurance covering liability and comprehensive coverage for private customers. Targeted at private vehicle owners.
• Haushalt-/Eigenheimversicherung (Home Contents and Building Insurance) Home contents and building insurance protecting residential property and belongings. Targeted at private homeowners and tenants.
• Rechtsschutzversicherung (Legal Protection Insurance) Legal protection insurance covering legal costs for private customers. Targeted at individuals seeking coverage for legal disputes.
• Bausparen (Building Savings Scheme) Building savings scheme for real estate financing with government bonuses. Targeted at private customers planning property purchases or financing.
• Berufshaftpflichtversicherung (Professional Liability Insurance, incl. D&O) Professional liability insurance for businesses covering D&O and management liability. Targeted at business customers (Firmenkunden/Gewerbekunden) including corporate directors, officers, and professionals.
• Cybercrime-Versicherung (Cyber Insurance) Cyber insurance protecting businesses against cybercrime risks and digital threats. Targeted at business customers needing digital risk coverage.
• Fuhrparkversicherung (Fleet Insurance) Fleet insurance covering company vehicle fleets. Targeted at business customers with multiple vehicles.
• Betriebsrechtsschutzversicherung (Business Legal Protection Insurance) Business legal protection insurance for commercial operations. Targeted at business customers needing coverage for legal disputes.
• Transportversicherung (Transport Insurance) Transport insurance covering goods and cargo in transit. Targeted at business customers requiring logistics and shipping protection.
• Betriebliche Altersvorsorge (Corporate Pension Provision) Corporate pension provision offering employer-sponsored retirement benefits. Targeted at business customers providing employee benefits.
• Betriebsgebäudeversicherung (Commercial Building Insurance) Commercial building insurance protecting business premises and property. Targeted at business customers with owned or leased commercial property.
• Betriebsunterbrechungsversicherung (Business Interruption Insurance) Business interruption insurance covering lost income during operational disruptions. Targeted at business customers needing continuity protection.
• Onlineberatung (Online Insurance Consultation Service) Digital consultation service allowing customers to receive insurance advice remotely via screen sharing and video call, eliminating the need for in-person visits. Targeted at Austrian private and business customers across the country, enabling same-quality advisory regardless of location.

Quantifiable outcome

• 112 Google reviews with 4.9/5 rating
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature3 records

Partnerships

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

• Allianz VersicherungcoreOthersMajor Austrian insurance company offering auto, home, life, and business insurance products. One of 35+ product partners enabling independent comparison for customers.
• Generali Versicherungs AGcoreOthersMajor Austrian insurance company. Company founder Benjamin Arthofer began career at Generali. Historical connection as one of 35+ product partners.
• ERGO Versicherung Österreich AGcoreOthersPart of ERGO Group, international insurance organization. One of 35+ product partners.
• Uniqa Österreich VersicherungcoreOthersLeading Austrian insurance provider. One of 35+ product partners.
• Wiener Städtische (Vienna Insurance Group)coreOthersPart of Vienna Insurance Group, major Central European insurer. One of 35+ product partners.
• Zurich VersicherungcoreOthersGlobal insurance provider with Austrian operations. One of 35+ product partners.
• ARAG RechtschutzversicherungcoreOthersSpecialist legal protection insurance provider. One of 35+ product partners.
• 35+ Additional Insurance PartnerscoreOthersAdditional product partners including: Continentale, DAS Rechtschutz, Dialog Lebensversicherung, Donau Versicherung, Europa Versicherung, Gothaer, GRAWE, Hagelversicherung, HDI, Helvetia, InterRisk, Nürnberger, R+V, Wiener Verein, Oberösterreichische, Standard Life, Wüstenrot, Janitos, Pantaenius, Merkur, Prisma, VAV, WWK, Roland, Ärzteservice, Europäische Reiseversicherung. Complete ecosystem enables truly independent comparison.
• umberio Versicherungs- und FinanzgruppestrategicStrategic or Co-development PartnerSelf-employed member of umberio insurance and finance group. Benefits include strong networking in the industry (G&O), access to innovative and exclusive insurance concepts, and knowledge pool of renowned insurance brokers.
• Wirtschaftskammer ÖsterreichminorOthersMember of Austria's largest trade association for insurance brokers. Provides access to Austria's largest network of insurance broker interests, regular exchange at WKO events, and regulatory credibility.
• HubSpotcoreTechnology or IntegrationUsed for online appointment booking system (meetings.hubspot.com/ba2). Enables customers to self-schedule consultations online.

Scale indicators6 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Finanzchef24: Munich-based online broker for insurance and financial products targeting SMEs and private customers. Closely comparable hybrid digital brokerage model, with particular overlap on the business customer segment AVM Smart is building.
• CHECK24 Vergleichsportal: Germany's largest digital comparison portal for insurance, banking, and telecom products. Operates the same multi-partner comparison and digital advisory model as AVM Smart, but at much larger DACH scale.
• durchblicker.at: Austrian insurance and financial product comparison platform offering multi-carrier policy comparison online. Directly comparable to AVM Smart's digital brokerage model in the same Austrian market with similar independent comparison value proposition.
• Knip: Swiss digital insurance broker that aggregates and manages customers' insurance portfolios through an app-based comparison and advisory experience. Same independent multi-carrier digital broker business model in the German-speaking market.
• Wefox: Berlin-based digital insurance broker with operations in DACH markets and Switzerland, connecting customers with independent advisors through a tech platform. Operates a closely comparable hybrid digital/personal advisory insurance distribution model.
• Clark: Frankfurt-based digital insurance manager that aggregates, analyzes, and optimizes customers' existing insurance contracts. Same tech-enabled independent insurance intermediary model targeting digitally-native consumers.
• Verivox: Leading German price-comparison platform for insurance, energy, and financial products. Closely comparable digital brokerage / comparison business model to AVM Smart, serving German-speaking consumers with multi-carrier quotes.
• Getsafe: German digital insurance broker offering multi-carrier insurance products through a fully digital experience. Closely comparable to AVM Smart's tech-enabled brokerage approach in the DACH market.

Broad incumbents

• Wiener Städtische (Vienna Insurance Group): Austrian market-leading insurance carrier within the Vienna Insurance Group and one of AVM Smart's 35+ product partners. Represents the broader incumbent carrier side of the market with full direct-distribution capabilities.
• Allianz Versicherung: Austrian arm of global insurance giant Allianz and one of AVM Smart's core product partners. Represents the broader incumbent carrier side that distributes both directly and through brokers like AVM Smart.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCLR9QHlj_s6NzJLPeXcG4MQ
• Facebookfacebook.com/avmsmartooe
• LinkedInlinkedin.com/company/avmsmart/jobs/?viewAsMember=true
• Instagraminstagram.com/avmsmart

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 AVM Smart