CHARTA Börse für Versicherungen AG

What CHARTA Börse für Versicherungen AG does

CHARTA Börse für Versicherungen AG, founded in 1994 and headquartered in Düsseldorf, Germany, operates a broker-owned exchange (Maklerverbund) serving independent German insurance brokers. Partner brokers are simultaneously shareholders of the AG, and the company owns the only 100% broker-controlled insurance pool in Germany (POOL GMBH, formerly DÜSEV). The platform combines a central broker portal (CHARTA.NETZ), commercial-lines platform (CHARTA.SCOUT), consultation and tariff engine (Beraten & Tarifieren), and white-label website builder (CHARTA.WEB), integrated with multiple insurance carriers via BiPRO Norm 420 ff straight-through-processing standards and bundled with licensed Morgen & Morgen comparison software (including the Volatium stochastic model and IDD-compliant advisory documentation).

Name

CHARTA Börse für Versicherungen AG

Legal name

CHARTA Börse für Versicherungen AG

Website

https://charta.de

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

CHARTA Börse für Versicherungen AG is a Düsseldorf-based, broker-owned exchange founded in 1994 that provides German independent insurance brokers with an integrated digital platform, exclusive carrier products, comparison engines, and the country's only 100% broker-owned insurance pool.

Ownership category

akta.pro rank

Product category

Insurance Brokerage 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)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Insurance broker network
• Digital broker platform
• Commercial insurance exchange
• Broker-owned insurance pool
• Independent broker services

Headquarters

HQ city

Düsseldorf, Nordrhein-Westfalen

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Partner/Membership Fees: Insurance brokers pay membership fees to join the CHARTA network. Partners receive access to the full platform suite (CHARTA.NETZ, Beraten & Tarifieren, CHARTA.SCOUT, CHARTA.WEB), exclusive insurance products, and networking benefits in exchange for recurring fees. The website references monthly partnership models with the first year allowing monthly cancellation.
2. Brokerage / Commission Income: CHARTA acts as an intermediary facilitating insurance transactions between partner brokers and insurance carriers. The network's own pool (DÜSEV/POOL GMBH, 100% broker-owned) generates commission income from placed business. Exclusive products with insurers like die Bayerische, Haftpflichtkasse, prokundo, Mannheimer, HDI, Inter, and others generate volume-based commission revenue.
3. Technology Service Fees: Additional revenue from technology services such as CHARTA.WEB website builder (one-time setup fee of €390/€290 plus €25/month) and potentially additional modules like Morgen & Morgen Nebenlizenzen (secondary licenses).
4. Professional Services & Training: Revenue from training programs such as Building Business (young broker entrepreneur program run in partnership with GOING PUBLIC! Akademie) and workshops like Surf the Future. The company also cooperates with Franklin Templeton on investment education offerings.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels9 records

Core offering

CHARTA operates a broker-owned exchange and digital platform for independent German insurance brokers. Partner brokers gain access to a multi-module platform suite (CHARTA.NETZ portal, CHARTA.SCOUT commercial lines, Beraten & Tarifieren engine, CHARTA.WEB websites), exclusive insurance products negotiated with major carriers, the broker-owned POOL GMBH (DÜSEV) for commission settlement, and BiPRO-integrated straight-through-processing workflows for life, health, and property/casualty lines.

Product overview

CHARTA Börse für Versicherungen AG operates as a broker network offering a platform-plus-modules architecture. The core consists of CHARTA.NETZ (central broker portal), Beraten & Tarifieren (tariff calculation and advisory platform), and CHARTA.POOL (DÜSEV broker-controlled pool). Supplementary modules include CHARTA.WEB (broker website creation), CHARTA.SCOUT (commercial insurance platform), Morgen & Morgen Office (licensed comparison software for life, health, and property lines), CHARTA.JOKER (newsletter), Building Business (young entrepreneur training program), and Wir@CHARTA (member portal). The ecosystem is complemented by integrated third-party tools for analytics (Matomo), marketing (CleverReach, LinkedIn Insight Tag), and consent management (Borlabs Cookie), plus the SkenData WERT 14 property valuation tool. The platform serves insurance brokers who are simultaneously shareholders of the CHARTA AG cooperative structure.

Differentiator

Problem solved

Functional benefit

Brands

• CHARTA.POOL: Pool services for insurance brokers, 100% broker-owned
• CHARTA.WEB
• Morgen & Morgen Office
• CHARTA.NETZ
• CHARTA.SCOUT
• CHARTA Joker
• Building Business
• Beraten & Tarifieren
• CHARTA Marktplatz
• Surf the Future
• CHARTA Cyberforum
• CHARTA-Exklusivprodukte

Products and services

• CHARTA.NETZ Central broker portal providing partner brokers access to all CHARTA services, tariff calculators, product information, carrier web service connections, and partner resources. Serves as the unified gateway to CHARTA's full service ecosystem.
• Beraten & Tarifieren Consultation and tariff calculation platform enabling brokers to create quotes, compare insurance products across life, health, and property/casualty lines, produce offers/applications, and generate IDD-compliant advisory documentation with built-in property value calculator.
• CHARTA.POOL (DÜSEV / POOL GMBH) Own-pool service (DÜSEV / POOL GMBH) handling policy administration and commission processing for CHARTA partner brokers. Operates as a broker-controlled pool offering competitive commission rates and efficient processing workflows.
• CHARTA.WEB Professional website creation and hosting service for insurance brokers providing legally compliant website templates with responsive design, unlimited email mailboxes, SSL encryption, and automatic content updates in three design variants.
• CHARTA.SCOUT Commercial insurance comparison and trading platform providing brokers access to commercial lines products (D&O, Cyber, and other commercial risks), featuring insurer web services for quote and binding processes and SkenData WERT 14 building valuation.
• Morgen & Morgen Office HTML5-based white-label comparison and analysis software covering life, health, and property/casualty insurance with tariff comparisons, performance ratings, IDD-compliant documentation, and stochastic Volatium modeling for retirement products.
• Building Business Training Program Young entrepreneur training program conducted over 15 months in five intensive blocks in partnership with GOING PUBLIC! Akademie für Finanzberatung AG, developing entrepreneurial and modern business management competencies for emerging broker professionals.
• CHARTA.JOKER Newsletter Newsletter platform providing news and updates for CHARTA partners on industry developments, company announcements, and professional content.
• Exklusivprodukte (Exclusive Insurance Products) Exclusive insurance products negotiated with carriers and available only to CHARTA partners, including CHARTA fund-based pension insurance with die Bayerische, 'Einfach' accident insurance with Haftpflichtkasse, freight forwarder liability with Mannheimer, HDI Value high-value household insurance, and Nürnberger commercial combination products.

Quantifiable outcome

• Zero underinsurance waiver from many insurers when building sums are calculated via SkenData WERT 14 tool available through CHARTA.SCOUT
• +2 more outcomes

Named customers9 records

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature7 records

Partnerships

18 partnerships are on record, tiered minor and core.

• Franklin TempletonminorStrategic or Co-development Partner · 27 August 2025CHARTA cooperates with investment company Franklin Templeton to expand continuing education offerings for partner brokers. The educational offerings go beyond standard product training and target both beginners and professionals in investment products.
• germanBroker.net AG (gBnet)coreStrategic or Co-development Partner · 28 October 2024Strategic alliance announced October 2024, leading to a full merger approved by both shareholders' meetings on June 29, 2026, effective retroactively from January 1, 2026. Both organizations share broker-owned governance and a collegial approach to partner brokers. The merger creates one of the largest broker-owned organizations in Germany, addressing increasing technological competition and digital independence needs. Both locations (Hagen and Düsseldorf) and all jobs will be preserved.
• Policen DirektminorStrategic or Co-development Partner · 3 August 2023Policen Direkt Versicherungsvermittlung GmbH joined CHARTA's expert network as a new partner. Policen Direkt is a nationwide insurance broker expanding CHARTA's expert network reach.
• blau direktminorStrategic or Co-development Partner · 24 June 2023Infrastructure service provider blau direkt and CHARTA agreed a strategic partnership for technology and consulting know-how in June 2023. The partnership aims to provide CHARTA partners with enhanced technology and consulting services.
• prokundominorChannel Partner/ Reseller/ Distributor · 29 March 2023prokundo, the Assekuradeur of the Volkswohl Bund Gruppe, expanded its cooperation with CHARTA. A new CHARTA exclusive accident insurance product was developed, with new benefit contents providing enhanced coverage for CHARTA partners.
• GOING PUBLIC! Akademie für Finanzberatung AGminorImplementation/ SI/ Consulting Partner · 1 March 2023CHARTA partnered with GOING PUBLIC! Akademie für Finanzberatung AG to run the Building Business young broker entrepreneur program. The 15-month program with 5 intensive blocks develops entrepreneurial skills in next-generation insurance brokers.
• Morgen & Morgen GmbHcoreTechnology or IntegrationCHARTA partners with market leader Morgen & Morgen for comparison and analysis software (M&M Office) covering life, health, and property/casualty insurance. M&M Office is included in partner membership for Vollpartner. CHARTA also has a special agreement for the Komposit (SHU-R) module at attractive rates and offers a direct link from CHARTA.NETZ to M&M Office with customer data transfer.
• HaftpflichtkasseminorChannel Partner/ Reseller/ DistributorCHARTA has a framework agreement with Haftpflichtkasse for accident insurance products. The new 'Einfach' accident product replaces the old 'Vario' generation, with three product lines (Einfach Gut, Einfach Besser, Einfach Komplett) offering improved benefits and no health questionnaire requirements in lower tiers.
• Mannheimer VersicherungminorChannel Partner/ Reseller/ DistributorCHARTA developed a special CHARTA policy for freight forwarder liability insurance (Frachtführer-Haftungsversicherung) in cooperation with CISCON GmbH and Mannheimer. This is an exclusive product designed for CHARTA partners.
• HDI VersicherungminorChannel Partner/ Reseller/ DistributorHDI Value product for high-value household and residential building insurance is offered through CHARTA. HDI offers comprehensive all-risk coverage with building sum starting from €250,000.
• Nürnberger VersicherungminorChannel Partner/ Reseller/ DistributorCHARTA has framework agreements with Nürnberger for commercial combination products (Gewerbe Smart and ProfiLine) accessible through CHARTA.NETZ. ProfiLine covers wholesale and manufacturing businesses with modular protection.
• Inter VersicherungsgruppeminorChannel Partner/ Reseller/ DistributorCHARTA secured a Sideletter for commercial property with Inter, extending standard coverages in commercial building, business contents, and related lines for CHARTA partners.
• Württembergische VersicherungminorChannel Partner/ Reseller/ DistributorCHARTA has a Kfz (motor) switching agreement with Württembergische, making it easy for brokers to switch motor insurance policies. This supports the annual Kfz switching season.
• Rhion.digitalminorChannel Partner/ Reseller/ DistributorRhion.digital commercial insurance products offered through CHARTA, including commercial actions with up to 10% savings vs prior insurer.
• Hiscox / Anglo UnderwritingminorChannel Partner/ Reseller/ DistributorHiscox through Anglo Underwriting provides D&O and Cyber insurance products accessible through CHARTA.SCOUT, with dedicated calculators and availability for bid requests.
• CISCON GmbHminorStrategic or Co-development PartnerCISCON GmbH collaborated with CHARTA and Mannheimer to design the CHARTA special policy for freight forwarder liability insurance.
• POOL GMBH (formerly DÜSEV)coreChannel Partner/ Reseller/ DistributorPOOL GMBH (formerly Düsseldorfer Servicegesellschaft Versicherungswirtschaft mbH, DÜSEV) is the broker-owned pool of CHARTA, handling policy settlement and commission billing. It is unique in Germany as the only pool 100% in broker hands. Strategic direction signals a significant shift towards broker-owned infrastructure.
• Arbeitskreis BeratungsprozesseminorStrategic or Co-development PartnerCHARTA participates in the 'Expertengruppe Recht' (Expert Group on Law) of the Arbeitskreis Beratungsprozesse, which includes jurists from associations (BVK, BDVM, AfW) and insurance companies (Allianz, SwissLife, Zurich). The group develops practical recommendations for claims handling and broker responsibilities.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Vema Versicherungsmakler Genossenschaft eG: German broker cooperative serving independent insurance and financial advisors with platform services, comparison tools, and collective purchasing. Closely comparable to CHARTA's broker-owned network model.
• Jung, DMS & Cie. GmbH & Co. KG: German financial services network offering brokers and financial advisors platform access, product portfolios, and back-office services. Operates in the same broker-distribution ecosystem as CHARTA.
• FondsFinanz Maklerservice GmbH: Major German financial advisor and insurance broker network providing platform services, product access, and marketing infrastructure to independent brokers, with similar scale and partner-service model.
• BCA AG: European broker pool serving independent insurance brokers with platform infrastructure, product access, and commission processing. Operates the same broker-pool business model as CHARTA's DÜSEV/POOL GMBH.
• germanBroker.net AG: Direct peer and now merged entity. germanBroker.net operated a broker-owned network with a similar collegial governance model and broker portal offering. The merger (effective January 2026) combined the two organizations.
• blau direkt GmbH & Co. KG: Strategic technology partner and direct peer offering infrastructure and consulting services to independent insurance brokers in Germany. Operates a comparable broker services platform with technology and back-office support for the Versicherungsmakler segment.
• policen direkt Versicherungsvermittlung GmbH: Nationwide German insurance broker that became a CHARTA network partner. Operates in the same independent broker distribution channel and now part of CHARTA's expert network.

Broad incumbents

• Marsh GmbH: Global insurance brokerage and risk advisory incumbent with German operations. Operates in insurance brokerage and intermediation but serves commercial/enterprise clients rather than the independent Versicherungsmakler niche CHARTA focuses on.

Emerging players

• Finion Insurance & Finanzservice GmbH: German broker infrastructure provider offering back-office, comparison, and platform services to insurance brokers. Provides comparable technology infrastructure for the independent broker segment.

Others

• Morgen & Morgen GmbH: Core technology provider to CHARTA (not a direct competitor) supplying M&M Office comparison software and Volatium stochastic modeling. Relevant as adjacent enabling technology in the German broker tooling ecosystem.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/CHARTAAG
• LinkedInlinkedin.com/company/charta-ag

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 CHARTA Börse für Versicherungen AG