erpam gmbh

What erpam gmbh does

erpam gmbh is a privately held German insurance broker (Versicherungsmakler) specialized in event and entertainment insurance, headquartered in Starnberg, Bavaria, and operating since approximately 1989 under its current legal form (formerly Eberhard, Raith & Partner GmbH). The firm sells liability, professional indemnity, equipment/electronics, event cancellation, accident, and legal expense policies tailored to event organizers, festival promoters, clubs, musicians, DJs, actors, equipment rental companies, event technicians, film/video crews, studios, and agencies. Coverage is offered both on a short-term, per-event basis (e.g., Veranstalter-Haftpflichtversicherung kurzfristig from €79 net minimum) and as annual contracts (e.g., €0.02 net per visitor with €380 net minimum), with certain products priced as a percentage of insured value or gross turnover. Distribution combines phone/email-led inside sales with an online quote-and-purchase platform (bestellung.erpam.com) and a customer portal (kundenportal.erpam.com), supported by annual trade show presence at BOE and Prolight + Sound, and a long-standing referral partnership with the Deutscher Rock & Pop Musikerverband (DRMV). The company is led by Managing Directors Christian Raith and Bernhard Eberhard, employs roughly 10 people, generates revenue from insurance carrier commissions, and serves customers primarily in Germany with selective cross-border coverage into Austria, Switzerland, and the wider EU. Geographic carve-outs exclude the USA and Canada.

Name

erpam gmbh

Legal name

erpam gmbh

Website

https://erpam.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

1–10 employees

Short description

erpam gmbh is a Starnberg-based independent insurance broker specializing in liability, equipment, and event-cancellation coverage for Germany's event and entertainment industry, including festival organizers, musicians, DJs, rental firms, and clubs, generating revenue through carrier commissions.

Ownership category

akta.pro rank

Headquarters

HQ city

Starnberg

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, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: erpam operates as an independent insurance broker (Versicherungsmakler) specializing in event and entertainment insurance. The company earns commissions from insurance products placed with insurance carriers. Revenue is generated through the placement of various insurance policies including liability insurance, electronics insurance, event cancellation insurance, and specialty coverage for the entertainment industry.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

erpam GmbH is an independent German insurance broker (Versicherungsmakler) that places specialized insurance coverages for the event and entertainment industry. The company distributes liability, professional indemnity, electronics/equipment, event cancellation, legal expense, and accident insurance products from carriers to event organizers, festivals, clubs, musicians/DJs/actors, equipment rental companies, event agencies, and event technicians. It supports these placements with individualized consulting, an online customer portal, and an online purchase platform for standard products.

Product overview

erpam GmbH is a specialized independent insurance broker for the event and entertainment industry, offering a comprehensive portfolio of insurance products. The core offering consists of liability insurance products (Veranstalter-Haftpflichtversicherung for event organizers in short-term and annual formats, Berufshaftpflicht for musicians, DJs, actors, and event managers, Betriebshaftpflicht for rental companies and agencies) and electronics/equipment insurance (Elektronikversicherung with All-Gefahren-Deckung covering event technology, available in short-term and long-term formats for various target groups including musicians, DJs, clubs, and agencies). Additional products include Ausrüstungsversicherung for rented event equipment, Veranstaltungsausfallversicherung for event cancellation, Rechtsschutzversicherung for legal expenses, Vermögensschadenhaftpflicht for professional indemnity, and specialized Diskothekenversicherung. The company supplements its core insurance products with a customer portal (Kundenportal) for online contract management and an online purchase platform (bestellung.erpam.com) for direct insurance buying.

Differentiator

Problem solved

Functional benefit

Products and services

• Veranstalter-Haftpflichtversicherung (Kurzfristig) [Short-Term Event Organizer Liability Insurance] Liability insurance for event organizers covering short-term events, protecting against claims from bodily injury, property damage, and other damages during events. Available from €79 net + 19% insurance tax as a minimum premium.
• Veranstalter-Haftpflichtversicherung (Jahresvertrag) [Annual Event Organizer Liability Insurance] Annual liability insurance for event organizers with multiple events per year, including coverage for set-up and dismantling work. Priced at €0.02 net per visitor with a minimum €380 net + 19% insurance tax, and includes €5M private liability coverage.
• Berufshaftpflicht für Musiker/Künstler [Professional Liability Insurance for Musicians and Artists] Professional liability insurance for musicians and artists covering damages caused during performances.
• Berufshaftpflicht für DJs [Professional Liability Insurance for DJs] Professional liability insurance for DJs covering damages during DJ performances and events.
• Berufshaftpflicht für Schauspieler [Professional Liability Insurance for Actors] Professional liability insurance for actors including private liability coverage, valid worldwide excluding USA/Canada. Annual premium €125 net + 19% insurance tax.
• Betriebshaftpflicht für Licht-, Ton-, AV-Verleih [Business Liability Insurance for Light, Sound, and AV Rental] Business liability insurance for rental companies of light, sound, and AV equipment covering damages caused by rented equipment. Priced at 0.15‰ of gross annual turnover (0.25‰ with technical personnel), minimum €295 net + 19% insurance tax.
• Betriebshaftpflicht für Event- und Künstleragenturen [Business Liability for Event and Artist Agencies] Business liability insurance for event and artist agencies covering event mediation, personnel, and equipment damages.
• Berufshaftpflicht für Veranstaltungskaufleute [Professional Liability for Event Managers] Professional liability insurance for event management professionals covering damages during event planning activities. Annual premium €150 net + 19% insurance tax.
• Elektronikversicherung (All-Gefahren-Deckung) [All-Risk Electronics Insurance] Comprehensive electronics insurance covering event technology, lighting, sound, video, and stage equipment against all risks including theft, damage, and loss. Annual premium between 0.6% and 1.2% of insured sum (mobile coverage in EU including Switzerland at 1.2%; stationary coverage at 0.6%).
• Elektronikversicherung kurzfristig [Short-Term Electronics Insurance] Short-term electronics insurance for events, charged at €1.40 per €1,000 insured value per day, with minimum premium of €120 one-time net + 19% insurance tax.
• Elektronikversicherung für Musiker und DJs [Electronics Insurance for Musicians and DJs] Electronics insurance specifically designed for musicians and DJs covering musical equipment and DJ gear.
• Elektronikversicherung für Veranstalter, Clubs und Diskos [Electronics Insurance for Organizers, Clubs, and Discotheques] Electronics insurance for event organizers, clubs, and discotheques covering PA systems and lighting equipment.
• Elektronikversicherung für Event- und Künstleragenturen [Electronics Insurance for Event and Artist Agencies] Electronics insurance for event and artist agencies covering rented and owned event technology.
• Musikinstrumentenversicherung [Musical Instrument Insurance] Insurance specifically for musical instruments protecting against damage, theft, and loss.
• Ausrüstungsversicherung [Equipment Insurance for Rented Event Equipment] Equipment insurance covering rented exhibition and event equipment such as seating, furniture, podiums, tents, and catering equipment.
• Geschäftsversicherung für Licht-, Ton- und AVV-Verleih [Business Insurance for Light, Sound, and AV Rental] Business insurance for light, sound, and AV rental companies covering fire, water, theft, storm, and building damage.
• Diskothekenversicherung [Discotheque / Club Insurance Package] Specialized insurance package for discotheques and clubs covering liability, technology, and buildings.
• Veranstaltungsausfallversicherung [Event Cancellation Insurance] Event cancellation insurance protecting organizers from financial losses due to cancelled, postponed, or interrupted events caused by illness, weather, technical problems, or other unforeseen circumstances.
• Rechtsschutzversicherung für Veranstalter [Legal Expense Insurance for Event Organizers] Legal expense insurance for event organizers covering private, professional, traffic, and property areas.
• Vermögensschadenhaftpflicht [Professional Indemnity Insurance] Professional indemnity insurance covering financial losses not resulting from personal injury or property damage, such as errors in event details. Premiums from 0.856‰ of annual net turnover (minimum €1,142) for businesses with turnover up to €2M, with coverage sum €100,000.
• Unfallversicherung für Darsteller und Teammitglieder [Accident Insurance for Performers and Crew] Accident insurance for performers and crew members covering death and disability from accidents during production.
• Veranstalter-Haftpflichtversicherung für Licht-, Ton- und AVV-Verleih [Event Organizer Liability for Light, Sound, and AV Rental] Business liability insurance for light, sound, and AV rental companies covering event liability exposures. Minimum premium €450 net annually; coverage worldwide excluding USA/Canada.

Named customers5 records

Segments8 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Deutscher Rock & Pop Musikerverband e.V. (DRMV)coreGTM or Marketing PartnerDRMV, a musician organization representing approximately 20,000 musicians across Germany, has recommended erpam as their preferred insurance broker for over 20 years. This partnership provides a steady referral stream of musician and artist customers to erpam.

Scale indicators2 records

Recent moves1 record

Expansion highlights5 records

Direct peers

• Ecclesia Versicherungsdienst: German specialty insurance broker serving niche segments including events, churches, and non-profits. Comparable to erpam as a German broker focused on hard-to-place, segment-specific commercial risks.
• ROLAND Versicherung: German insurer/broker specializing in legal protection and event-related coverage. Overlaps with erpam's Rechtsschutzversicherung and event-liability products for organizers and the entertainment sector.
• Funk Gruppe: German insurance broker with a specialty entertainment and media practice, serving event organizers, broadcasters, and cultural institutions. Directly comparable as a German specialist broker operating in the same niche and customer base as erpam.
• MRH Trowe: German mid-market insurance and reinsurance broker with specialty practice lines. Comparable to erpam as a German-headquartered broker competing for specialty commercial and event-related accounts.

Broad incumbents

• Marsh: Global insurance brokerage and risk advisory firm with large entertainment & sports practice. Comparable as a broker competing for event and entertainment insurance placements, but operating at vastly broader scale and portfolio breadth than erpam.
• HDI Versicherung: Major German insurer underwriting event and liability lines that brokers like erpam place with carriers. Comparable as a counterparty in the same German commercial insurance market, though operating as a carrier rather than a broker.
• Arthur J. Gallagher: Global insurance brokerage with specialty practices including entertainment and hospitality. Comparable to erpam as a broker targeting event/entertainment risks, but operating across many industries at much larger scale.
• Howden Group: Global insurance broker with strong European and specialty presence. Comparable to erpam as a competitor for European entertainment and event placements, though broader in scope and geography.
• Willis Towers Watson (WTW): Global insurance brokerage with specialty entertainment and media risk solutions. Comparable as an incumbent broker in event and entertainment risk, though serving larger and more international clients than erpam.
• Aon: Global insurance and reinsurance broker with dedicated entertainment, sports, and events practice. Comparable as a broker serving event organizers, but with a much wider geographic and product footprint than erpam.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/erpam

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 erpam gmbh