D&CA INSURANCE BROKER

What D&CA INSURANCE BROKER does

D&CA Insurance Broker S.R.L. is a Romanian insurance brokerage firm headquartered in Bucharest, founded in 2007 and authorized by the Financial Supervisory Authority (ASF) under Decision 514/24.07.2007, with Insurance Broker Register number RBK-422. The company operates an intermediation-only model, placing policies with 24+ underwriting partners — including Allianz-Tiriac, Asirom VIG, Generali, Omniasig, UNIQA, Groupama, GRAWE, Eazy, Axeria, Hellas Direct, MetLife, MediHelp, and Signal Iduna — across both retail and commercial lines. Its product menu covers mandatory and voluntary auto (RCA, CASCO), home (LOCUINTA, PAD), travel, health, personal accident, medical malpractice (MALPRAXIS), roadside assistance, and corporate lines (fleet RCA/CASCO, ROT, CMR, group health, business property) for individual and legal-entity clients.

The technology backbone is the SmartSales online platform provided by Brokernet Software SA, which integrates web services with partner insurers to enable real-time price comparison, electronic policy issuance, automated renewal notifications, and partner portfolio management with TLS/SSL encryption and GDPR-compliant hosting on Romanian servers. Distribution is multi-channel: a 24/7 self-service website, three physical offices (Bucharest, Timisoara, Galati) with named Area Sales Managers covering all major Romanian macro-regions, an Insurance Assistant partner (Asistenti in Brokeraj) network recruited and managed under a Broker Assistant Contract, and bancassurance/leasing/credit embedded channel partnerships.

D&CA earns transactional commissions on premiums intermediated — publicly disclosed RCA rates of 10–12% depending on the insurer partner — and shares a portion of these commissions with its Insurance Assistant partners. There is no platform subscription, SaaS fee, or per-transaction service charge disclosed to end customers, and no public pricing for non-RCA products. The company is privately held with no disclosed parent, investors, funding rounds, or revenue figures, and operates exclusively in the Romanian market.

Name

D&CA INSURANCE BROKER

Legal name

D&CA INSURANCE BROKER S.R.L.

Website

https://dcainsurance.ro

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

D&CA Insurance Broker S.R.L. is an ASF-authorized Romanian insurance brokerage, founded 2007 in Bucharest, intermediating policies from 24+ insurers across auto, home, travel, health, and commercial lines for individuals and businesses via online, office, and partner-agent channels.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)

akta.pro secondary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Insurance brokerage services
• Auto liability insurance
• Commercial fleet insurance
• Property insurance coverage
• Travel health insurance

Headquarters

HQ city

Bucharest

HQ country

Romania

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: D&CA Insurance Broker earns commissions from insurance companies (partner insurers) for intermediating and placing insurance policies. The commission is a percentage of insurance premiums collected from clients. The company publishes RCA commission rates ranging from 10% to 12% depending on the insurer. The company also pays a portion of these commissions to its Insurance Assistant partners.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

D&CA Insurance Broker is an ASF-authorized insurance intermediary that compares, places, and manages insurance policies on behalf of individual and business clients through contracts with 24+ Romanian and international insurers. The firm intermediates mandatory and voluntary products including auto liability (RCA), CASCO, home (LOCUINTA, PAD), travel, health, personal accident, malpraxis, roadside assistance, fleet, ROT, CMR, group health, and business property coverage. Clients access the offering via a 24/7 online quote-and-issuance platform, physical regional offices, and a recruited Insurance Assistant partner network.

Product overview

D&CA INSURANCE BROKER is an insurance brokerage company authorized by the Romanian Financial Supervisory Authority (ASF) since 2007, operating as an intermediary that connects clients with multiple insurance providers. The company offers a comprehensive portfolio of insurance products organized into two main categories: products for individuals (RCA, CASCO, LOCUINȚĂ, CALATORIE, SANĂTATE, PAD, ACCIDENTE PERSOANE, MALPRAXIS, ASISTENȚĂ RUTIERĂ) and products for businesses (RCA PJ, CASCO PJ, ROT, CMR, SĂNĂTATE PJ, BUNURI PJ). The company provides these products through partnerships with over 20 Romanian and international insurers including Allianz-Tiriac, Asirom VIG, Generali, Omniasig VIG, UNIQA, and others. The service model includes online quote/issuance platforms (SmartSales by Brokernet Software SA) and traditional brokerage services across multiple office locations.

Differentiator

Problem solved

Functional benefit

Products and services

• Asigurare RCA (Răspundere Civilă Auto) Mandatory Romanian auto liability insurance covering third-party material damages, bodily injury, and legal costs from vehicle accidents; intermediated across 24+ partner insurers for individuals.
• Asigurare CASCO Voluntary comprehensive auto insurance covering own-vehicle damage from accidents, theft, fire, vandalism, and natural disasters; intermediated for individual vehicle owners.
• Asigurare LOCUINȚĂ Voluntary home insurance covering buildings, constructions, and contents against fire, earthquakes, floods, theft, and other risks; for individual homeowners.
• Asigurare CĂLĂTORIE Travel insurance covering medical emergencies, repatriation, accident, and illness during international travel; for individual travelers.
• Asigurare SĂNĂTATE Voluntary health insurance covering medical services, hospitalization, laboratory tests, and medical consultations; for individual consumers.
• Asigurare PAD (Asigurare Obligatorie a Locuinței) Mandatory Romanian home insurance covering structural damage from earthquakes, floods, and landslides; for individual property owners.
• Asigurare ACCIDENTE PERSOANE Personal accident insurance covering death, permanent disability, hospitalization, and medical expenses from accidents; for individual consumers.
• Asigurare MALPRAXIS (RC Cadre Medicale) Professional liability insurance for medical practitioners covering claims for damages from negligence in medical services.
• Asigurare ASISTENȚĂ RUTIERĂ Roadside assistance insurance covering vehicle breakdown, towing, accommodation, and alternative transportation; for individual vehicle owners.
• Asigurare ROT Mandatory insurance for road transport operators covering liability to beneficiaries in case of operator bankruptcy; for licensed transport companies.
• Asigurare CMR Cargo liability insurance for transport operators covering damages to goods during international and domestic road transport.
• Asigurări BUNURI Persoane Juridice Commercial property insurance for businesses covering buildings, equipment, inventory, and other assets against fire, theft, and natural disasters.
• Asigurare de SĂNĂTATE pentru Persoane Juridice Group health insurance for businesses covering medical services, hospitalization, and related benefits for employees.
• Asigurare RCA pentru Persoane Juridice Mandatory Romanian auto liability insurance for business entities covering third-party damages from company vehicles.
• Asigurare CASCO pentru Persoane Juridice Voluntary comprehensive auto insurance for business fleets covering vehicle damage, theft, fire, vandalism, and related risks.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

23 partnerships are on record, tiered core and minor.

• Allianz-Tiriac Asigurari S.A.coreOthersRomanian insurance company providing comprehensive insurance products including auto, property, and life insurance. D&CA acts as intermediary, placing customer policies and earning commission.
• Asigurarea Romaneasca - Asirom Vienna Insurance Group S.A.coreOthersPart of Vienna Insurance Group, providing property and casualty insurance in Romania. D&CA distributes Asirom products as an authorized broker.
• Generali Romania Asigurare Reasigurare S.A.coreOthersMajor international insurer operating in Romania, offering a wide range of insurance products. D&CA holds a 12% RCA commission rate with Generali.
• Omniasig Vienna Insurance Group S.A.coreOthersPart of Vienna Insurance Group, offering property and casualty insurance. D&CA distributes Omniasig products with a 10% RCA commission rate.
• UNIQA Asigurari / UNIQA Asigurari de ViatacoreOthersAustrian insurance group operating in Romania providing life and non-life insurance products. Distributed by D&CA as authorized broker.
• Groupama Asigurari SAcoreOthersFrench mutual insurance group operating in Romania. D&CA distributes Groupama products with a 10% RCA commission rate.
• Garanta Asigurari S.A.coreOthersRomanian insurer focused on property and casualty insurance. D&CA distributes Garanta products as authorized broker.
• GRAWE Romania Asigurare S.A.coreOthersAustrian insurance group operating in Romania. D&CA distributes GRAWE products with an 11% RCA commission rate.
• Signal Iduna Asigurari Generale / Signal Iduna Asigurari de Viata si SanatatecoreOthersGerman insurance group offering life, health, and property insurance in Romania. Distributed through D&CA's broker network.
• Eazy Asigurari S.A.coreOthersRomanian digital-focused insurer. D&CA distributes Eazy products with an 11% RCA commission rate.
• AXERIA IARD SA Lyon - Sucursala BucuresticoreOthersFrench insurer operating in Romania through a Bucharest branch. D&CA distributes AXERIA products with a 10% RCA commission rate.
• ABC Insurance S.A.minorOthersRomanian insurance company providing property and casualty coverage. Distributed through D&CA's broker network.
• Colonnade Insurance SA Luxembourg - Sucursala BucurestiminorOthersLuxembourg-based insurer operating in Romania through a Bucharest branch. Distributed through D&CA's broker network.
• Eurolife FFH Asigurari Generale / Eurolife FFH Asigurari de ViatacoreOthersGreek insurance group operating in Romania for life and property insurance. Distributed through D&CA's broker network.
• Compania de Asigurari - Reasigurari Exim Romania (C.A.R.E. Romania) S.A.minorOthersRomanian export-import insurance company (EXIM Romania group). Distributed through D&CA's broker network.
• DEFEND INSURANCE Sp. z o.o.minorOthersPolish insurer providing coverage in Romania. Distributed through D&CA's broker network.
• Fortegra Europe Insurance Company SEminorOthersEuropean specialty insurer. Distributed through D&CA's broker network.
• HD Insurance PLC Nicosia - Sucursala BucurestiminorOthersCyprus-based insurer operating in Romania through a Bucharest branch. Distributed through D&CA's broker network.
• MediHelp InternationalminorOthersInternational health insurance provider offering coverage for expatriates and travelers. Distributed through D&CA's broker network.
• Metropolitan Life Asigurari MetLife d.a.c. Dublin Europe Sucursala BucuresticoreOthersMetLife subsidiary for life and health insurance in Romania. Distributed through D&CA's broker network.
• Mondial Assistance - AWP P&C S.A. filiala pentru AustriaminorOthersPart of Allianz Partners, providing travel assistance and insurance. Distributed through D&CA's broker network.
• Hellas DirectminorOthersGreek digital insurance company operating in Romania. D&CA distributes Hellas Direct products with a 12% RCA commission rate.
• Brokernet Software SAcoreTechnology or IntegrationRomanian IT company providing the SmartSales web platform used by D&CA for online insurance quoting and policy issuance. Brokernet provides the technology infrastructure enabling real-time insurer integration and electronic policy management.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Eazy Asigurari: Romanian digital-focused insurer offering direct-to-consumer insurance products. Also distributed by D&CA (11% RCA commission); represents the disintermediation trend that challenges traditional broker models but also a partner opportunity.
• Hellas Direct: Greek digital-first insurer that has expanded into Romania via a Bucharest branch, distributed by D&CA itself (12% RCA commission). Comparable technology-enabled insurance distribution model that simultaneously competes with and partners through D&CA.

Broad incumbents

• Aon plc (Aon Romania): Global insurance brokerage and risk management firm with Romanian presence, providing commercial insurance and reinsurance intermediation. Competes with D&CA for corporate accounts but does not focus on the retail/SMB segment D&CA serves.
• Marsh & McLennan (Marsh Romania): Global insurance brokerage and risk advisory firm with Romanian operations, offering commercial insurance brokerage and risk consulting. Overlaps with D&CA's corporate brokerage segment but operates at much larger scale with global carrier relationships.
• Howden Romania: International insurance broker with Romanian operations focused on commercial and specialty lines. Competes with D&CA for mid-market and corporate clients but at a different scale and specialization.

Direct peers

• Destine Broker: Romanian insurance broker offering multi-line retail and commercial insurance intermediation, similar to D&CA. Operates in the same regulatory framework (ASF-authorized) and serves overlapping customer segments.
• Transilvania Broker de Asigurare: Romanian insurance broker listed on the Bucharest Stock Exchange (ticker TBK). Offers multi-line retail and commercial insurance intermediation in Romania with a national footprint, directly comparable to D&CA's product mix and target customers.
• Safety Broker: One of the largest Romanian insurance brokers, listed on the Bucharest Stock Exchange (ticker SAFE). Operates a multi-line retail and commercial brokerage in Romania with an online platform and partner network, directly comparable to D&CA's model.
• RENOMIA SRBA Insurance & Reinsurance Broker: Romanian insurance and reinsurance brokerage with international affiliation, offering multi-line retail and corporate intermediation. Comparable to D&CA in regulatory authorization (ASF) and product breadth, with greater emphasis on corporate accounts.
• Inter Broker Asigurare: Romanian insurance broker offering retail and commercial insurance intermediation across multiple carriers. Direct competitor to D&CA in the Romanian broker market with a comparable ASF-authorized multi-line model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/d&ca-insurance-broker

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 D&CA INSURANCE BROKER