Touristik Assekuranz-Service

What Touristik Assekuranz-Service does

Touristik Assekuranz-Service GmbH (TAS) is a Frankfurt am Main-based insurance broker founded in 1970 that exclusively serves the German travel and tourism industry. The company operates as a registered insurance intermediary (Mehrfachagent) under §34d GewO, distributing tailored insurance products on behalf of a panel of major German and international insurers including Allianz, R+V, AXA, ERGO, HDI, HanseMerkur, and Liberty Mutual. Self-described as the largest tourism broker in Germany in the liability, property, and customer money protection segments, TAS reported premium income exceeding €5 million across these core lines in 2013 and 7.1% growth in the first half of that year.

TAS's product portfolio spans two main categories. The travel-industry-specific suite includes Reiseveranstalter-Haftpflicht (organizer liability), Kundengeldabsicherung (mandatory insolvency protection per Reisesicherungsfonds law), Krisenschutz (crisis management including kidnapping, terrorism, and natural disasters), Global Protect (kidnapping/extortion up to €25M), IATA-Bürgschaft (replacing bank guarantees for licensed agencies), Provisionsausfallschutz and Provisionsgarantie (commission shortfall coverage for travel agencies), Urheberrecht (copyright infringement), and Mietwagen-Zusatzversicherung. The business-operations suite covers Betriebshaftpflicht, Cyberschutz, Geschäftsinhaltsschutz, D&O, Rechtsschutz, and Ausstellerversicherung. These are also sold as the TAS RundumSchutz bundled subscription from €799/year.

TAS earns revenue primarily through commissions paid by insurers on policies placed, augmented by subscription pricing on bundled products. Its go-to-market is sales-led and relationship-based, combining direct field sales, inside sales by phone (069/60508-0), online inquiry forms, and channel partnerships with the major German travel agency cooperatives RTK, AER, and QTA that distribute TAS products to their member agencies. Customer segments are split between SMB travel agencies and enterprise tour operators. The company is privately held with approximately 20 employees and was acquired by MRH Trowe from ERV (Europäische Reiseversicherung) at year-end 2024/early 2025. Current management consists of Andreas Zollner, Tim Vittinghoff, and Stefan Winiarski.

Name

Touristik Assekuranz-Service

Legal name

TAS Touristik Assekuranz-Service GmbH

Website

https://tas-service.de

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

11–50 employees

Short description

Touristik Assekuranz-Service (TAS) is a Frankfurt-based German insurance broker founded in 1970 that exclusively serves the travel and tourism industry with tailored liability, insolvency, crisis, cyber, and commission-protection products distributed via direct sales and cooperative channel partnerships.

Ownership category

akta.pro rank

Product category

Travel Industry Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Duty of Care, Risk & Security Travel Management (THAKACAK)

akta.pro secondary industry

Travel Insurance & Corporate Risk Transfer (Trip, Medical, Kidnap & Ransom) (THACAEAH)

Keywords

• Travel industry insurance
• Insurance brokerage services
• Tourism liability insurance
• Commission protection insurance
• Crisis protection insurance

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission: TAS acts as an insurance intermediary/multi-agent (Mehrfachagent) earning commissions from insurance companies for policies sold. The commission is included in the insurance premium and paid by the respective insurance company. This is the primary revenue stream.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

TAS Touristik Assekuranz-Service GmbH is a specialized insurance broker (Mehrfachagent) founded in 1970 that intermediates tailored B2B insurance solutions for the German travel and tourism industry. It distributes tour operator liability, customer money protection, crisis protection, commission shortfall protection, cyber insurance, IATA bonds, D&O, and business operations insurance from partner carriers such as Allianz, R+V, AXA, ERGO, HDI, HanseMerkur, and Liberty Mutual to travel agencies, tour operators, DB agencies, and travel industry cooperatives. The company is registered as an authorized insurance intermediary under §34d GewO and earns commissions built into the insurance premiums paid by partner carriers.

Product overview

TAS Touristik Assekuranz-Service is a specialized insurance broker for the travel and tourism industry, offering a comprehensive portfolio of tailored insurance solutions since 1970. The product portfolio comprises two main categories: (1) Travel Industry Specific Products including Reiseveranstalter-Haftpflicht (travel organizer liability), Kundengeldabsicherung (customer money protection), Krisenschutz (crisis protection), Global Protect (kidnapping/extortion insurance), IATA-Bürgschaft (IATA bonds), Provisionsgarantie (commission guarantee), Provisionsausfallschutz (commission failure protection), Urheberrecht (copyright insurance), and Mietwagen-Zusatzversicherung (rental car insurance); and (2) Business Operations Protection including Betriebshaftpflicht (business liability), Cyberschutz (cyber insurance), Geschäftsinhaltsschutz (business contents), D&O Versicherung (directors & officers), Rechtsschutz (legal expenses), Ausstellerversicherung (exhibition insurance), and DB Sicherheit (DB agency security). Products are offered both individually and as bundled packages like TAS RundumSchutz for cost savings. The company serves travel agencies, tour operators, and travel industry employees.

Differentiator

Problem solved

Functional benefit

Products and services

• Reiseveranstalter-Haftpflicht (Travel Organizer Liability Insurance) Liability insurance for tour operators covering personal injury, property damage, and financial loss claims from travelers, including compensation for injuries, damaged belongings, and wasted vacation time.
• Kundengeldabsicherung (Customer Money Protection) Statutory insolvency protection insurance for travel companies that reimburses customer payments in the event of the travel company's insolvency, complying with Reisesicherungsfonds regulations.
• TAS Krisenschutz (Crisis Protection Insurance) Comprehensive crisis management insurance covering kidnapping, extortion, terrorism, and natural disasters, including 24/7 hotline, crisis team setup, evacuation costs, media crisis response, and psychological support for affected travelers and employees.
• IATA-Bürgschaft (IATA Bond) Insurance solution for travel agencies holding IATA licenses that replaces traditional bank guarantees, freeing up credit lines while maintaining required IATA licensing requirements.
• TAS Urheberrecht (Copyright Insurance) Insurance covering damages from copyright violations, including legal warning costs, attorney fees, and settlement costs for cases involving unauthorized use of images, music, or texts in advertising materials.
• Global Protect (Kidnapping and Extortion Insurance) Kidnapping and extortion insurance covering ransom payments, crisis management, evacuation costs, business interruption, and cyber extortion for organizations operating in high-risk regions worldwide, with coverage up to 25 million EUR.
• Provisionsgarantie (Commission Guarantee) Insurance guaranteeing payment of earned commissions to travel agencies when a tour operator becomes insolvent, protecting travel agency revenue streams.
• Mietwagen-Zusatzversicherung (Rental Car Supplementary Insurance) Supplementary liability and collision damage waiver insurance for travelers renting vehicles abroad, with coverage options of 1 million or 2 million EUR, worldwide validity, and no minimum premium.
• Reisevermittler-Haftpflicht (Travel Intermediary Liability) Professional indemnity insurance for travel agencies covering financial loss from errors in pricing, incorrect tariff application, credit card misuse up to 1 million EUR, and lost travel documents, with supplementary packages for connected travel services liability.
• TAS Provisionsausfallschutz (Commission Failure Protection) Insurance protecting travel agencies against loss of commission income when tour operators become insolvent, with payment made upon opening of insolvency proceedings.
• DB Sicherheit (DB Agency Security) Asset protection insurance for Deutsche Bahn agencies covering fraud, theft, misuse of ticket values, damages by trusted persons, and third-party damages, replacing traditional bank guarantee requirements.
• Betriebshaftpflicht (Business Liability Insurance) General business liability insurance covering office operations, environmental risks, and damages occurring during customer visits or other business activities outside the office premises.
• TAS Cyberschutz (Cyber Protection Insurance) Cyber insurance covering business interruption, financial losses from computer fraud, data recovery costs, third-party liability claims from data breaches, crisis management, and legal costs, with fixed premiums for businesses with revenue between 1.5 and 10 million EUR.
• Geschäftsinhaltsschutz (Business Contents Protection) Business contents insurance covering fire, theft, water damage, storm, natural hazards, glass breakage, and technical risks for office equipment, including new value insurance with 15% free additional coverage and waiver of underinsurance penalties.
• D&O Versicherung (Directors & Officers Insurance) Management liability insurance protecting executives, managing directors, and startup founders from personal liability claims for errors in planning, organizing, directing, and monitoring company activities.
• Rechtsschutz (Legal Expenses Insurance) Customizable legal expenses insurance for travel operators covering private, professional, business, contract, traffic, property, and special criminal legal protection, combinable in individual modules.
• Ausstellerversicherung (Exhibition Insurance) Insurance covering damages during transport, storage, and stand operations at exhibitions and trade shows, including third-party property damage and goods theft.
• TAS RundumSchutz (TAS All-Round Protection Package) Comprehensive insurance package for travel agencies combining multiple coverages including liability, contents, cyber protection, and legal expenses at a reduced rate starting from 799 EUR per year, offering savings of up to 200 EUR compared to individual policies.

Quantifiable outcome

• Premium income exceeded 5 million EUR in 2013 in core segments
• +2 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

16 partnerships are on record, tiered core, major and minor.

• Allianz VersicherungcoreStrategic or Co-development PartnerMajor German insurance company providing coverage products distributed through TAS to travel industry clients. Listed as insurance partner on TAS website.
• R+V VersicherungcoreStrategic or Co-development PartnerOne of Germany's largest insurers partnered with TAS for exclusive products including provisionsausfallschutz (commission protection) and DB security products. Created joint products for RTK cooperative members.
• AXA VersicherungmajorStrategic or Co-development PartnerMajor international insurer providing insurance products for travel industry distribution through TAS.
• ERGO VersicherungmajorStrategic or Co-development PartnerGerman insurance group offering coverage products distributed via TAS to travel sector clients.
• HDI GlobalmajorStrategic or Co-development PartnerCommercial insurance provider offering business insurance products distributed through TAS.
• Liberty MutualmajorStrategic or Co-development PartnerInternational insurer providing insurance capacity for travel industry risks distributed through TAS.
• HanseMerkurmajorStrategic or Co-development PartnerGerman insurance company specializing in travel insurance products distributed through TAS.
• Arcus SolutionsminorStrategic or Co-development PartnerInternational provider entering German market for travel insolvency protection, competing with TourVers, R+V, and Zurich.
• TourVERSminorStrategic or Co-development PartnerGerman travel insurance specialist providing coverage for tourism industry distributed through TAS.
• Württembergische VersicherungminorStrategic or Co-development PartnerGerman insurer providing insurance products for travel industry distribution.
• RTK (Reisebüro-Kooperation)coreChannel Partner/ Reseller/ DistributorMajor travel agency cooperative with long-term partnership with TAS for insurance solutions. Initiated provisionsausfallschutz product development. TAS secured commission protection for RTK member agencies against tour operator insolvency.
• AER (AERA Reisebüro Kooperation)coreChannel Partner/ Reseller/ DistributorTravel agency cooperative partnered with TAS for DB agency insurance products and member benefits. AER initiated DB security product development with TAS and R+V.
• QTA ( Qualitätsverbund Tourismus)majorChannel Partner/ Reseller/ DistributorTravel agency organization partnered with TAS for provisions protection securing member commissions against tour operator bankruptcies up to 1 million EUR per year.
• DER TouristikminorChannel Partner/ Reseller/ DistributorMajor German tour operator listed as tourism partner customer of TAS.
• AlltoursminorChannel Partner/ Reseller/ DistributorMajor German tour operator listed as tourism partner customer of TAS.
• MRH TrowecoreOthersInsurance broker group that acquired TAS from ERV (European Reiseversicherung). MRH Trowe also owns MDT Travel Underwriting and had previously acquired Vertoura.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• HanseMerkur Reiseversicherung: German insurer specializing in travel insurance products and a TAS carrier partner. Comparable in travel-insurance focus, with both B2B (industry) and B2C (travelers) offerings, competing for the same regulatory and product mindshare.
• ERV (Europäische Reiseversicherung): Major German/European travel insurance specialist and former owner of TAS. Sells travel insurance and travel-industry insurance products to both consumers and travel companies, overlapping significantly with TAS on customer money protection and tour operator liability.
• TourVERS / Tour Versicherungs-Service GmbH: German travel-industry insurance specialist providing insolvency protection, liability and customer money coverage for tour operators and travel agencies. Direct head-to-head competitor to TAS in the same niche vertical with overlapping carrier partnerships and product set.
• MDT Travel Underwriting: Sister company under MRH Trowe (which also owns TAS), specializing in underwriting travel-industry risks. Closely comparable in target customer (travel agencies, tour operators) and product class, with the added dimension of being an actual underwriter rather than broker.

Broad incumbents

• AIG Travel: Global travel insurance and assistance provider offering coverage and crisis response products overlapping with TAS Krisenschutz and Global Protect, but operating at far larger scale and broader geography.
• MRH Trowe: German insurance broker group and current parent of TAS. Provides specialty and corporate insurance brokerage across multiple verticals including travel, with deeper resources and a broader portfolio than TAS.
• Zurich Insurance Germany: Large multi-line German insurer providing travel-industry coverage (including insolvency protection). Comparable product class but much broader portfolio; competes with TAS on tour operator liability and customer money protection.
• AXA Travel Protection: International insurer offering travel insurance and corporate travel coverage in Germany, and a TAS carrier partner. Overlaps in travel-specific risk products but operates from a global insurance platform.
• Allianz Travel: Travel insurance arm of global insurer Allianz and a TAS carrier partner. Overlaps with TAS in product class (travel-related insurance) and carrier relationships, though Allianz is also a partner rather than purely a competitor.

Emerging players

• Arcus Solutions: International provider entering the German travel insolvency protection market, named alongside TourVERS, R+V and Zurich as a competitor to TAS-adjacent insolvency products. Comparable niche focus but earlier-stage in Germany.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xinstagram.com/tas-service.de
• LinkedInlinkedin.com/company/tas-assekkuranz-service-gmbh
• Instagraminstagram.com/tas-service.de

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Touristik Assekuranz-Service