DAVID Versicherungskontor

What DAVID Versicherungskontor does

DAVID Versicherungskontor GmbH & Co. KG is an independent insurance broker (Versicherungsmakler) headquartered in Kiel, Schleswig-Holstein, Germany, founded in 1958 and led by Managing Director Stefan David. The firm serves both private customers (Privatkunden) and small-to-medium commercial clients (Gewerbekunden) across a comprehensive product portfolio spanning retirement/pension (Riester, Rürup, fund-linked), health and nursing care, liability, property, motor, commercial liability, fleet/transport, cyber, D&O, and employee benefits (bAV, bKV). It also distributes investment products through a newly launched Investmentshop platform under its §34f GewO financial investment intermediary license.

The firm's operational technology is built around third-party insurance comparison and tariff calculation engines, including Covomo, PROCHECK24, Mr-Money, Valke, Barmenia, IDEAL, INTER, and Canada Life widgets, with the company website developed and hosted by digidor GmbH. It supplements these with standard web infrastructure (Google Analytics, Google Tag Manager, Friendly Captcha, OpenStreetMap, Terminpilot for appointment booking) and customer-facing channels including WhatsApp, email, phone, and a ProvenExpert.com review profile. The company itself describes using modern computer-based comparison programs comparable to those used by Capital, Finanztest, and Finanzen for market analysis.

DAVID Versicherungskontor operates on a commission-based broker model: advisory, contract review, gap/over-insurance analysis, optimization proposals, and claims handling are provided free to customers, with compensation paid exclusively by insurance carriers. In 2024 the firm became part of Summitas GRUPPE GmbH in Munich, gaining access to an extended network and additional resources while retaining its Kiel location and staff. The firm holds broker authorizations under §34c, §34d, and §34f of the German Gewerbeordnung, is registered with IHK Kiel, and operates as a private limited partnership with 15 employees and a single physical location in Kiel.

Name

DAVID Versicherungskontor

Legal name

DAVID Versicherungskontor GmbH & Co. KG

Website

https://david-vk.de

Company type

Private

Founded year

1958

Operating status

Operating

Headcount range

11–50 employees

Short description

DAVID Versicherungskontor is an independent insurance broker founded in 1958 in Kiel, Germany, serving private and small-to-medium commercial customers across insurance and investment products on a commission-based model, and now operating as part of Summitas GRUPPE GmbH.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Insurance brokerage
• Risk advisory
• Commercial insurance
• Personal insurance
• Insurance consulting

Headquarters

HQ city

Kiel

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission (Versicherungsprovision): DAVID Versicherungskontor provides insurance advisory, contract review, and claims management services to customers at no charge. The company is compensated exclusively through commissions paid by insurance companies (Versicherer). This is a standard broker commission model common in the German insurance market.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

DAVID Versicherungskontor is an independent insurance broker (Versicherungsmakler) that provides consultation, contract review, gap/over-insurance analysis, contract optimization, and complete claims handling across a broad portfolio of insurance products. The company serves both private (Privatkunden) and commercial (Gewerbekunden) clients, acting as a single point of contact managing policies across all insurance providers. Services are free for customers, with the firm compensated exclusively through commissions paid by insurers.

Product overview

DAVID Versicherungskontor is an independent insurance broker (Versicherungsmakler) based in Kiel, Germany, founded in 1958 and now part of the Summitas GRUPPE. The company operates as a unified platform offering comprehensive insurance brokerage services rather than a single software product. The core offering is the broker service itself, which provides independent consultation, contract management across all insurance providers, damage claim processing, and market comparisons—all free for customers with compensation received from insurers. The product portfolio encompasses four main categories: (1) Privatkunden Versicherungen covering retirement/pension products (Riester-Rente, Rürup-Rente, Rentenversicherung, Fondsgebundene Rente), health care (Private Krankenversicherung, Krankenzusatzversicherung, Zahnzusatzversicherung, Auslandskrankenversicherung, Pflegeprodukte), liability (Privathaftpflicht, Tierhalterhaftpflicht, Hausratversicherung), property (Autoversicherung, Gebäudeversicherung, Photovoltaikversicherung), and income protection (Berufsunfähigkeit, Unfallversicherung); (2) Gewerbekunden Versicherungen including commercial liability (Betriebshaftpflicht, Gewerbe-Rechtsschutz, D&O-Versicherung), business assets (Betriebs-Inhaltsversicherung, Elektronikversicherung, Maschinenversicherung, Cyber-Versicherung), employee benefits (Betriebliche Altersversorgung, Betriebliche Krankenversicherung), and fleet/transport (Kfz-Flottenversicherung, Transport-Versicherung); (3) Investmentshop for investment product access; and (4) supporting services including Terminbuchung (online appointment booking), Bedarfsanalyse (needs analysis), Schadenmeldung (claims processing), and Vertrags-Check (contract review). The company serves both private individuals and commercial businesses through a network of insurance provider integrations.

Differentiator

Problem solved

Functional benefit

Products and services

• Private Insurance Brokerage (Privatkunden Versicherungen) Comprehensive insurance advisory and contract management for private individual customers covering retirement and life insurance, health and care, liability and legal protection, property and possessions, and income protection across multiple insurance carriers. The service is free for customers with compensation received from insurers through commissions.
• Commercial Insurance Brokerage (Gewerbekunden Versicherungen) Business insurance advisory and contract management for small and medium-sized enterprises covering commercial liability, content and technology assets, employee and executive benefits, and fleet and transport coverage. The service is free for customers with compensation received from insurers through commissions.
• Investmentshop Investment product platform allowing customers to access and purchase investment products offered through the brokerage.
• Contract Review Service (Vertrags-Check) Review and analysis of existing customer insurance policies to identify dangerous coverage gaps or over-insurance, with unoptimized optimization proposals provided on a non-binding basis.
• Needs Analysis (Bedarfsanalyse) Comprehensive needs assessment service that determines individual insurance requirements using structured assessment tools to recommend appropriate coverage.
• Damage Claim Reporting (Schadenmeldung) Service enabling customers to report and track insurance claims, with full claims handling and on-site support provided by the broker across all underlying insurers.
• Online Appointment Booking (Terminbuchung) Online real-time scheduling service integrated via Terminpilot that allows customers to book consultation appointments with the brokerage team.
• Policy Change Notification (Änderungsmitteilung) Service for customers to update personal details, addresses, bank accounts, and other policy information across their managed insurance contracts.

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

Integration22 records

Partnerships

One partnership is on record.

• Summitas GRUPPE GmbHcoreStrategic or Co-development PartnerDAVID Versicherungskontor GmbH & Co. KG became part of the Summitas GRUPPE GmbH in Munich. This strategic step enables increased market strength and competitiveness, providing the company with an extended network, additional resources, and enhanced innovation capability. The location in Kiel and all familiar staff remain unchanged.

Scale indicators3 records

Recent moves7 records

Expansion highlights6 records

Others

• Stiftung Warentest (Finanztest): Independent German consumer testing organization whose Finanztest publication evaluates insurance products using comparison methodology similar to what DAVID employs. Functions as both a reference benchmark and an indirect distribution alternative for self-directed customers.

Broad incumbents

• ERGO Group AG: One of Germany's largest primary insurance groups; distributes through tied agents and independent brokers including multi-line advisory offerings. Comparable product breadth, but as a carrier-issuer rather than pure intermediary.
• HUK-COBURG Versicherungsgruppe: Large mutual insurance group in Germany covering motor, property, liability, and legal expenses. Competes with independent brokers in retail lines while also leveraging broker distribution channels.
• Allianz Beratungs- und Vertriebs-AG: Germany's largest insurer with both tied-agent and broker distribution. Represents the dominant incumbent against which independent brokers like DAVID position on neutrality and multi-carrier access.
• Helvetia Versicherungen Deutschland: Swiss-headquartered insurer with significant German operations across life and P&C, distributed through independent brokers. Comparable carrier-side counterpart to DAVID's brokerage function.
• Zurich Insurance Group Deutschland: German operations of Zurich Insurance; broad commercial and personal lines distributed heavily through independent brokers. Direct competitor for commercial placement decisions DAVID brokers through its Gewerbekunden segment.

Direct peers

• VEMA Versicherungs-Makler-Genossenschaft eG: Germany's largest independent broker cooperative; multi-line Versicherungsmakler serving SMEs and private clients. DAVID itself links to VEMA's freelancer landing page, indicating active peer relationship and shared go-to-market positioning.
• MLP SE: Public German financial advisory and insurance brokerage group serving private and corporate clients across multiple product lines. Closely comparable multi-line intermediation model, though operating at materially larger scale.

Emerging players

• CHECK24 Vergleichsportal GmbH: Germany's leading digital insurance comparison and broker platform; uses proprietary tech stack to disintermediate traditional brokers. Represents the insurtech competitive threat to broker-led distribution models like DAVID's.
• Verivox Versicherungsvergleich GmbH: Major German comparison portal for insurance and financial products. Digital-native broker/aggregator competing for the same private customer insurance purchases that anchor DAVID's Privatkunden book.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/Stefan_David5
• Facebookfacebook.com/125057507515882
• LinkedInlinkedin.com/company/david-versicherungskontor
• Instagraminstagram.com/david_versicherungskontor/?hl=en

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 DAVID Versicherungskontor