Versicherungsbüro Becker Ritz Wlasak oHG

What Versicherungsbüro Becker Ritz Wlasak oHG does

Versicherungsbüro Becker Ritz Wlasak oHG (BRW Versicherungen) is a privately held German insurance brokerage organized as an Offene Handelsgesellschaft (oHG), founded in 1993 and headquartered in Karlsruhe, Baden-Württemberg. The firm operates exclusively as a bound insurance agent (Gebundener Versicherungsvertreter) for Allianz, distributing insurance, occupational pensions (BAV), savings, and real estate financing products through three complementary managing partners — Ulf Ritz (founder, since 1993), Holger Wlasak (since 2005), and Michael Becker (since 2008) — alongside a specialist team spanning BAV, corporate (Firmenkunden), retail (Privatkunden), and back-office functions.

The product portfolio is structured in two pillars: Firmenlösungen covering D&O, Cyberschutz, Betriebliche Altersvorsorge, Betriebliche Krankenversicherung, Kapitalanlage, and Unternehmensschutz for business clients; and Privatlösungen including modular Privatschutz, KFZ, Oldtimer, Haustier, Krankheit & Pflege, Vorsorge, Finanzen, and Baufinanzierung for retail clients. BRW is TÜV-certified as a Handwerksfachagentur and holds §34i and §34c GewO licenses enabling real estate loan intermediation. The firm is also registered as a contractually bound intermediary for Fondsdepot Bank GmbH under §2 Abs. 10 KWG for investment product distribution.

Revenue is generated through commissions on Allianz insurance policies, supplemented by Baufinanzierung and investment product distribution. The go-to-market combines field sales led by the three partners for corporate clients, a dedicated BAV inside-sales team, and a retail team for private customers, supported by digital channels (online appointment booking, WhatsApp Business). Customer segments span Mittelstand, crafts/trades, startups, IT companies, logistics, freelancers, housing industry, and individuals across life stages (students, young professionals, families, seniors, pet owners). The firm invests in ecosystem engagement through CyberForum e.V. (IT network), Lions Club KA-Fidelitas, Wirtschaftsjunioren Karlsruhe, the annual BRW Wirtschaftskongress, and main sponsorship of GROW by PionierGarage, using community presence and thought leadership as primary brand-building mechanisms in the Karlsruhe region.

Name

Versicherungsbüro Becker Ritz Wlasak oHG

Legal name

Versicherungsbüro Becker Ritz Wlasak oHG

Website

https://brw-versicherungen.de

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

1–10 employees

Short description

Versicherungsbüro Becker Ritz Wlasak oHG is a Karlsruhe-based Allianz-bound insurance brokerage (oHG, founded 1993) serving German Mittelstand, trades, startups, IT firms, and retail clients with insurance, occupational pensions, savings, and real estate financing.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Advisory Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

Keywords

• Insurance brokerage services
• Occupational pension advisory
• Corporate risk management
• Private insurance advisory
• Real estate financing

Headquarters

HQ city

Karlsruhe

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Insurance Commission (Allianz): The firm operates as a bound insurance agent (Gebundener Versicherungsvertreter) for Allianz, earning commissions on insurance policies sold and renewed. Vergütung durch Provisionen und Zusatzvergütungen aus Ausschreibungen (included in insurance premiums).

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Versicherungsbüro Becker Ritz Wlasak oHG is a TÜV-certified Allianz-bound insurance agency (Gebundener Versicherungsvertreter) that distributes Allianz insurance, Vorsorge (provision), Sparen (savings), and Immobilien (real estate financing) products to corporate and private clients from a single Karlsruhe office. The firm operates dedicated teams for occupational pensions (BAV), corporate clients (Firmenlösungen), and retail clients (Privatlösungen), serving Mittelstand, trades, IT firms, logistics companies, startups, freelancers, and individuals. Revenue is generated through insurance commissions on Allianz policies plus additional compensation from tenders and Baufinanzierung intermediation under §34i/§34c GewO.

Product overview

Versicherungsbüro Becker Ritz Wlasak oHG is an Allianz insurance agency/broker offering a comprehensive portfolio of insurance and financial products through a modular platform approach. The portfolio spans two main categories: Firmenlösungen (Business Solutions) including Managerhaftung (D&O), Cyberschutz, Betriebliche Altersvorsorge (BAV), Betriebliche Krankenversicherung, Kapitalanlage, and Unternehmensschutz; and Privatlösungen (Private Solutions) including Privatschutz (modular package combining liability, household, legal, accident, building, pet insurance), KFZ Versicherung, Oldtimer Versicherung, Haustier Versicherung, Krankheit & Pflege, Vorsorge, Finanzen, and Baufinanzierung. They also offer specialized packages like Mein Haushalt for young people. All products are distributed exclusively through the Allianz insurance company under tied agent arrangements.

Differentiator

Problem solved

Functional benefit

Products and services

• Managerhaftung (D&O) Directors and Officers liability insurance providing protection for managers, executives, and decision-makers against internal misconduct, external claims, and legal disputes; targeted at Mittelstand and corporate clients.
• Cyberschutz Cyber insurance protection minimizing online risks for small and medium-sized businesses, covering hacker attacks, internal errors, and data breaches; targeted at Mittelstand, IT companies, and startups.
• Betriebliche Altersvorsorge (bAV) Company pension schemes supplementing statutory retirement benefits for employees, delivered through BRW's dedicated BAV team; supports HR departments and serves as a recruiting/retention tool.
• Betriebliche Krankenversicherung (bKV) Company health insurance supplementing statutory coverage, used as an employee benefit to increase satisfaction and attract skilled workers; targeted at corporate clients including startups.
• Kapitalanlage Capital investment advisory helping clients optimize investment returns through strategic asset allocation and investment products distributed via Allianz and Fondsdepot Bank.
• Unternehmensschutz Business protection insurance covering liability, contents, buildings, motor vehicles, legal protection, and industry-specific special risks; targeted at Handwerker and Mittelstand clients.
• Privatschutz Modular private protection package combining Privathaftpflicht, Hausrat, Rechtsschutz, Unfall, Wohngebäude, Tierkranken- and Tierhalter-Haftpflicht insurance with combination discounts; targeted at families and individuals.
• KFZ Versicherung Vehicle insurance including mandatory liability, Teil-/Vollkasko, premium protection brief, foreign damage protection, value retention, driver protection, and discount protection options; targeted at private vehicle owners and families.
• Oldtimer Versicherung Classic car insurance for vehicles at least 30 years old, providing comprehensive protection at cheaper rates than standard vehicle insurance and including 30% appreciation protection; targeted at classic car owners.
• Vorsorge Forward-looking provision planning covering retirement, education for children, occupational and life insurance to relieve individuals and their dependents; targeted at families.
• Krankheit & Pflege Health and care insurance protecting individuals with comprehensive health and nursing care coverage; targeted at seniors and health-conscious private clients.
• Haus & Wohnen Home insurance combining household, building, and property rights insurance to protect homes and families from serious damage; targeted at homeowners and families.
• Finanzen Financial advisory for future-oriented saving, covering investment products and financing concepts to help clients afford their goals; targeted at young professionals.
• Baufinanzierung Real estate financing providing financing concepts, insurance solutions, and long-term support for purchasing or building property; offered under §34i and §34c GewO intermediary licenses.
• Mein Haushalt Insurance package for young people and small households including Privathaftpflicht, Hausrat, Reisegepäck, and Internetschutz with optional Fahrradschutz; available for people up to 35 years old.
• Berufsunfähigkeitsversicherung Occupational disability insurance providing profession-specific protection against inability to work, with particularly affordable rates for students; targeted at young professionals and trainees.
• Haustier Versicherung Pet insurance combining Tierkrankenversicherung (veterinary costs for dogs, cats and exotic animals) and Tierhalter-Haftpflichtversicherung (third-party liability for pet-caused damage); targeted at pet owners.

Named customers11 records

Segments12 records

Ideal customer profiles9 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered minor and core.

• SONNTAGSFILM e.K.minorGTM or Marketing Partner · 1 January 2019Cooperation partner supporting the BRW Wirtschaftskongress 2019, providing video/film services for the annual event. Listed as a supporter alongside ZUMBACH & REITER PartGmbB.
• ZUMBACH & REITER PartGmbB (Steuerberatungsgesellschaft & Wirtschaftsprüfungsgesellschaft)minorGTM or Marketing Partner · 1 January 2019New cooperation partner supporting the BRW Wirtschaftskongress 2019. A tax advisory and auditing firm that cross-refers clients to BRW for insurance and financial advisory services.
• AllianzcoreChannel Partner/ Reseller/ DistributorBRW operates as a bound insurance agent (Gebundener Versicherungsvertreter) for Allianz, exclusively representing and distributing Allianz insurance products. This is the firm's primary business relationship — all insurance commissions flow from Allianz. The partnership includes access to Allianz's product portfolio (property, casualty, life, health, pensions), digital tools (online appointment booking), and brand affiliation.
• CyberForum e.V.coreGTM or Marketing PartnerBRW is a member and active participant in CyberForum e.V., Germany's largest regional IT network, based in Karlsruhe. The firm serves as a mentor for IT startups within the CyberForum community, building relationships with technology companies who become insurance clients.
• PionierGarage e.V.coreGTM or Marketing PartnerBRW and Allianz are main sponsors (Hauptsponsor) of GROW, the annual student startup competition organized by PionierGarage e.V. (7th edition as of 2019). Managing partner Michael Becker serves as jury member and mentor. This partnership targets young entrepreneurs and builds the BRW brand in the Karlsruhe startup ecosystem.
• Lions Club KA-FidelitasminorGTM or Marketing PartnerCo-founded by partners Michael Becker and Ulf Ritz, the Lions Club KA-Fidelitas is a local service organization in Karlsruhe. Participation builds community relationships and serves as a referral network for both personal and corporate insurance clients.
• Wirtschaftsjunioren KarlsruheminorGTM or Marketing PartnerPartner Ulf Ritz served as former president of Wirtschaftsjunioren Karlsruhe, a local association of young entrepreneurs and executives. This engagement provides access to emerging business leaders and HR decision-makers.
• Fondsdepot Bank GmbHminorChannel Partner/ Reseller/ DistributorBRW acts as a contractually bound agent (vertraglich gebundener Vermittler under § 2 Abs. 10 KWG) for Fondsdepot Bank GmbH, distributing investment products, asset management products, and other financial instruments on behalf of and under the liability of the bank.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Marsh Germany: Global insurance broker and risk advisor with German presence serving multinational and large corporate clients. Comparable in advisory and brokerage model but substantially larger and oriented to enterprise accounts versus BRW's Mittelstand focus.
• Aon Germany: Global insurance and reinsurance broker with a sizable German operation serving large corporates. Comparable in product breadth (commercial insurance, bAV, risk consulting) but operates at a fundamentally larger scale and primarily upmarket — represents the incumbent end of the spectrum BRW operates in.
• WTW (Willis Towers Watson) Germany: Global advisory, brokerage, and solutions firm with German operations covering commercial insurance, bAV, and risk. Comparable to BRW in bAV and corporate advisory offerings, but at materially larger scale and with broader portfolio of consulting services beyond insurance distribution.

Direct peers

• Funk Gruppe: Germany's largest independent insurance broker and risk consultant, serving Mittelstand and corporate clients with advisory-led, multi-line insurance and Vorsorge solutions. Highly comparable to BRW in business model (personal advisory, holistic insurance + Vorsorge + benefits) and target segments, though materially larger in scale.
• MRH Trowe: Independent German insurance broker focused on Mittelstand and SME clients, offering corporate insurance, bAV, and risk consulting. Closely comparable to BRW in customer base (Mittelstand, trades, IT) and advisory approach, but operating at multi-region scale rather than single-city.
• Ecclesia Group: German insurance broker and risk manager specializing in complex commercial lines, including liability, D&O, and cyber. Comparable to BRW in advisory-led model for Mittelstand and corporate clients with complex coverage needs; broader geographic footprint and sector specializations (healthcare, church, public sector) differentiate it.

Others

• Barmenia Versicherungen: German direct insurer with a tied-agent distribution network and mutual/cooperative heritage, offering health, life, property/casualty, and bAV. Comparable to BRW as an adjacent distribution model (tied agents + direct), and a potential cross-referral or competitor for the same Mittelstand bAV/bKV demand.

Emerging players

• Verivox Versicherungen: German price-comparison portal with strong insurance vertical, allowing customers to compare and buy policies directly online. Comparable to BRW as a parallel go-to-market for standard retail insurance products, representing a structural disintermediation threat to traditional agency models.
• CHECK24 Vergleichsportal: Germany's leading digital price-comparison platform across insurance, finance, and telecoms. Comparable to BRW because it competes for the same end-customers on standard lines (KFZ, Hausrat, Privathaftpflicht) via a direct, self-service model that progressively disintermediates traditional tied agents like BRW.
• Getsafe: Digital-first German insurance broker (insurtech) offering modular insurance products via app and web, including liability, household, and life products. Comparable to BRW as a digitally-native competitor targeting the same retail customer segments (young professionals, families, students) with a low-friction model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xfacebook.com/brw.versicherungen
• LinkedInlinkedin.com/company/versicherungsb%C3%BCro-brw

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 Versicherungsbüro Becker Ritz Wlasak oHG