Schreiner

What Schreiner does

Schreiner GmbH is an independent insurance advisory and brokerage firm headquartered in Ehingen-Rißtissen, Germany, founded in 1963 by Walter Schreiner and formally incorporated as a GmbH in 1992. The company operates as a licensed insurance agent under §34d GewO and financial advisor under §34f GewO, with Vermittlerregister registrations D-Y3XB-R8PDD-34 and D-F-177-VSYV-34 supervised by IHK Ulm. Schreiner offers a broad portfolio of more than 30 personal and commercial insurance products — including occupational disability, term life, private health, care, business liability, D&O, fleet, building, and machinery insurance — alongside specialized advisory services for shareholder-managers (Geschäftsführerversorgung) and occupational pension schemes (bAV).

The firm serves four primary customer segments: Gesellschafter-Geschäftsführer (GmbH executives), private customers (Privatkunden), business customers (Unternehmen), and self-employed/freelancers. It uses a four-step consultation process — personal consultation, risk analysis, customized tax-optimized concept creation, and ongoing accompaniment — delivered via scheduled in-person and phone appointments across offices in Ehingen-Rißtissen, Obercunnersdorf/Sachsen, Dresden, and Leipzig. The technology layer is a digidor-CMS-based website with online insurance calculators, a verified customer review system, and newsletter tracking via web beacons; no proprietary underwriting platform or AI capabilities are evident.

Schreiner generates revenue primarily through commissions on insurance product sales, acting as an independent intermediary that compares offerings across multiple providers. The company reports 14,000+ customers and 600+ GmbH companies under management. Operations extend through three corporate entities: wholly-owned subsidiary GVK mbH (insurance broker, est. 1998), minority participation in Schreiner & Rabe Versicherungsmakler GmbH (Leipzig, 2014), and minority participation in Perauer & Schreiner Firmenkundenmanagement GmbH (heavy corporate risks, 2024). The firm has been under second-generation family management since 2010, with sons Alexander and Thomas Schreiner serving as Geschäftsführer.

Name

Schreiner

Legal name

Schreiner GmbH

Website

https://schreiner-versicherungen.de

Company type

Private

Founded year

1963

Operating status

Operating

Headcount range

11–50 employees

Short description

Schreiner GmbH is a family-owned, independent German insurance advisory firm offering more than 30 personal and commercial insurance products and specialized consulting for shareholder-managers, private customers, and SMEs across Baden-Württemberg and Saxony.

Ownership category

akta.pro rank

Product category

Insurance Advisory Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

Keywords

• Insurance advisory services
• Retirement planning
• Commercial insurance brokerage
• Personal insurance coverage
• Risk protection consulting

Headquarters

HQ city

Ehingen

HQ country

Germany

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Product Commission: The company operates as a licensed insurance agent (Versicherungsvertreter) under §34d GewO and financial advisor under §34f GewO, earning commissions from insurance product sales. They compare offerings from multiple insurance providers and recommend suitable products to customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Schreiner GmbH is an independent insurance advisory firm that brokers and advises on a comprehensive portfolio of personal and commercial insurance products from multiple providers. The firm delivers its services through a four-step consultation process: personal consultation, risk/gap analysis, customized tax-optimized concept creation, and ongoing policy review. It serves private customers, self-employed, freelancers, shareholder-managers (Gesellschafter-Geschäftsführer), and SMEs, with particular specialization in retirement provision and shareholder-manager pension solutions.

Product overview

Schreiner GmbH is a comprehensive insurance advisory firm offering a broad portfolio of personal and commercial insurance products and advisory services. The company provides individual consulting across two main segments: Private Customers (Privatkunden) covering retirement provision, life insurance, occupational disability, health, and care coverage; and Business Customers (Unternehmen) covering liability, property, personnel, and fleet insurance. Core advisory services include occupational pension schemes (bAV) and specialized shareholder-manager consulting (Geschäftsführerversorgung). The company operates through three subsidiaries: GVK mbH as an insurance broker, Schreiner & Rabe Versicherungsmakler GmbH for business customers in Leipzig, and Perauer & Schreiner for heavy corporate risks. Key insurance products include daily sickness allowance, travel health, dental supplements, care insurance, private health, occupational disability, term life, company pension schemes, group accident, D&O liability, business liability, legal protection, property, machinery, electronics, building, business interruption, transport, fleet, truck, and trailer insurance. The company serves over 14,000 customers and manages more than 600 GmbH companies, offering personalized 4-step consultation process from needs analysis to ongoing adjustments.

Differentiator

Problem solved

Functional benefit

Products and services

• Krankentagegeldversicherung Daily sickness allowance insurance providing income protection after the employer salary continuation period ends, with customizable coverage starting from €4.30 per month. For private individuals seeking income security during prolonged illness.
• Auslandsreise-Krankenversicherung Foreign travel health insurance covering outpatient treatment, inpatient treatment, dental treatment, medication, and dressing materials during international travel, starting from €12.50 per month.
• Zahnzusatzversicherung Dental supplementary insurance covering fillings, root canal treatments, anesthesia and acupuncture, orthodontics, and periodontosis, starting from €11.50 per month. For private individuals seeking enhanced dental coverage beyond statutory insurance.
• Pflegetagegeldversicherung Care supplement insurance offering 100% coverage for full-time inpatient stationary care with value preservation guarantee, accident assistance, and flexible premium payment, starting from €9.30 per month.
• Private Altersvorsorge Private retirement provision product combining state subsidies (Riester, Rürup) with personal contributions for enhanced pension income in retirement.
• Risikolebensversicherung Term life insurance providing a lump sum to dependents upon death of the policyholder, essential for families with children or mortgage obligations.
• Sterbegeldversicherung Burial expense insurance paying a guaranteed sum (often €5,000–€10,000) to cover dignified funeral costs and relieve family members financially.
• Berufsunfähigkeitsversicherung Occupational disability insurance providing monthly income replacement when the policyholder can no longer perform their profession due to illness or accident.
• Grundfähigkeitsversicherung Essential capabilities insurance paying benefits when the policyholder loses specific physical abilities (seeing, speaking, hearing, walking, hand use) due to illness or accident, offering more accessible pricing than full occupational disability coverage.
• Schwere-Krankheiten-Versicherung (Dread-Disease) Critical illness insurance paying the full policy sum immediately upon diagnosis of covered serious diseases such as cancer, stroke, or heart attack.
• Private Krankenversicherung Private health insurance offering individually tailored coverage with choice of doctors, private hospital rooms, and superior dental benefits compared to statutory health insurance.
• Krankenhauszusatzversicherung & Ambulante Zusatzversicherung Hospital supplementary insurance providing private or semi-private room accommodation and chief physician treatment options, paired with outpatient supplementary insurance covering vision aids, alternative healing methods (osteopathy, homeopathy), and extended preventive examinations.
• Pflegekostenversicherung Care cost insurance reimbursing a fixed percentage of remaining costs after statutory care insurance benefits, covering up to 100% of the policyholder's co-payment.
• Pflegerente Private care annuity providing monthly payments upon becoming care-dependent, supplementing statutory coverage and offering flexible use for personal care expenses.
• Betriebliche Altersversorgung (bAV) Company pension scheme including direct insurance, pension fund, direct commitment, and support fund options with tax advantages and employer contributions. For employers seeking to provide employee retirement benefits.
• Betriebliche Krankenversicherung (bKV) Company health insurance providing employees with private supplementary coverage for dental, vision aids, hospital stays, and practitioner treatments.
• Betriebliche Gruppenunfallversicherung Group accident insurance for employees covering accident and consequential costs during work, commute, and optionally private activities with group pricing advantages.
• D&O-Versicherung Directors and Officers liability insurance protecting company executives and managers from personal financial liability for management errors.
• Betriebshaftpflichtversicherung Business liability insurance covering all activities typical of the business purpose, including the owner and employees for damages to third parties.
• Gewerbe-Rechtsschutz Commercial legal protection insurance covering contract, labor, traffic, social security, and rental legal disputes for businesses and self-employed individuals.
• Vermögensschaden-Haftpflicht Professional indemnity insurance protecting self-employed and business professionals against financial loss claims arising from professional errors.
• Veranstaltungshaftpflicht Event liability insurance protecting organizers of festivals, markets, concerts, conferences, and sports events against property and personal damage claims.
• Kautionsversicherung Surety/bond insurance allowing entrepreneurs to provide guarantees to clients without cash deposits or affecting credit lines, typically cheaper than bank guarantees.
• Betriebs-Inhaltsversicherung Business content insurance covering fire, water damage, storm, glass breakage, burglary, and theft with combined business insurance packages.
• Elektronikversicherung Electronics insurance covering damage, breakdown, and theft of IT, medical, office, and control technology equipment with repair or replacement cost coverage.
• Maschinenversicherung Machinery insurance protecting against damage from fire, short circuit, operating errors, explosion, weather events, and material defects for production equipment.
• Gewerbliche Gebäudeversicherung Commercial building insurance protecting business premises against fire, storm, water damage, hail, and lightning with optional elementary damage coverage.
• Betriebsausfallversicherung Business interruption insurance protecting self-employed and freelancers against income loss from operational closures due to fire, water, or burglary damage.
• Transport-Versicherung Transport insurance protecting commercial goods against damage and loss during transit, covering loading accidents, truck accidents, and theft from freight yards.
• Kfz-Flottenversicherung Vehicle fleet insurance covering multiple company vehicles under a single policy with cost advantages over individual policies for cars, trucks, vans, and trailers.
• Lkw-Versicherung Truck insurance with contributions calculated based on vehicle model, engine power, payload, annual mileage, and usage type, with mandatory liability and optional partial or full comprehensive coverage.
• Anhänger-Versicherung Trailer insurance providing mandatory liability and optional partial/full comprehensive coverage for trailers and semi-trailers used in business operations.
• Geschäftsführerversorgung (Advisory Service) Specialized consulting service for shareholder-managers (Gesellschafter-Geschäftsführer) analyzing employment contracts, personal insurance, and harmonizing private and company insurance with employment agreements for optimal coverage. Deliverable: tax-optimized integrated retirement and risk provision concept.

Quantifiable outcome

• Premium savings up to 25% on BU insurance through optimized waiting periods
• +1 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered minor and core.

• Perauer & Schreiner Firmenkundenmanagement GmbHminorStrategic or Co-development Partner · 1 January 2024Company participation specializing in heavy risks in the business customer segment.
• Schreiner & Rabe Versicherungsmakler GmbHminorStrategic or Co-development Partner · 1 January 2014Affiliated insurance broker company with seat in Leipzig, established through company participation.
• GVK mbH (Gesellschaft für Versorgungskonzepte)coreStrategic or Co-development Partner · 1 January 1998100%-ige subsidiary of Schreiner GmbH operating as an insurance broker (Versicherungsmakler) in the region. Offers comprehensive service for brokers and multiple agents in the financial and insurance sector.

Scale indicators4 records

Recent moves11 records

Expansion highlights5 records

Direct peers

• Funk Gruppe: Funk Gruppe is a German family-influenced insurance broker and risk consultant headquartered in Hamburg with a focus on industrial and mid-market clients. It overlaps directly with Schreiner in providing multi-line insurance advisory, bAV consulting, and continuous policy review for SMEs and owner-managers.
• BCA AG: BCA AG is a German insurance broker for SMEs and corporates with a network-based distribution model. Comparable to Schreiner in advising Gesellschafter-Geschäftsführer and mid-market business clients on multi-line insurance and pension solutions.
• MRH Trowe: MRH Trowe is a mid-sized German insurance and financial services broker serving corporate and private clients across multiple locations. Its specialty in employee benefits, bAV, and Gesellschafter-Geschäftsführer advisory makes it a direct peer to Schreiner's commercial and executive-insurance niche.
• Dr. Schaudinn & Partner: Dr. Schaudinn & Partner is a German insurance broker focused on the health, social, and education sectors, advising on bAV and complex corporate insurance programs. Comparable to Schreiner in its focus on owner-managed businesses and concept-based advisory delivery.

Emerging players

• Getsafe: Getsafe is a German insurtech offering digital insurance distribution and embedded coverage products targeting younger consumers. It represents an emerging alternative distribution model that competes with Schreiner at the top of the customer funnel for standardized personal lines.
• Clark: Clark is a German digital insurance broker that combines an app-based self-service platform with advisory support for private and SME customers. It overlaps with Schreiner's online calculator/self-serve products and competes for the same retail and small-business insurance buyer.

Broad incumbents

• Marsh Germany: Marsh operates one of Germany's largest commercial insurance brokerages serving enterprise and mid-market clients. It competes with Schreiner for business-customer mandates but offers significantly broader international and specialty-line capabilities.
• Aon Germany: Aon is a global insurance and reinsurance brokerage with a strong German footprint serving mid-to-large enterprises. It overlaps with Schreiner in commercial insurance placement, D&O, and employee benefits but operates at far greater scale and breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/schreinergmbh
• LinkedInlinkedin.com/company/schreiner-gmbh

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries3 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 Schreiner