Gutbrod GmbH

What Gutbrod GmbH does

Gutbrod GmbH is an independent, owner-managed insurance brokerage (Versicherungsmakler) headquartered in Tettnang, Baden-Württemberg, Germany, in continuous operation since 1976. The firm is registered at Amtsgericht Ulm under HRB 630465 and is licensed under §34d of the German Trade Act (GewO) as a Versicherungsmakler with registration number D-5O07-8G6OE-87, supervised by the IHK Bodensee-Oberschwaben. It is led by Managing Directors Rainer Gutbrod and Christian Gutbrod as a father-and-son team, indicating a multi-generational family ownership structure with an 8-person headcount.

The firm serves a heterogeneous client base anchored by mid-sized industrial companies (Mittelstand) as its primary segment, supplemented by private individuals, freelancers, career starters, and property managers. Geographically it is rooted in southwest Germany but services clients across the country. The offering covers traditional property and casualty lines as well as modern risk categories including cyber, drone liability, e-bike, and photovoltaic insurance, reflecting a portfolio tailored to the evolving exposure profile of its industrial clients rather than a specialist focus on a single line.

Gutbrod earns revenue through standard insurance brokerage commissions (Courtage) on policies placed with carriers, with no disclosed alternative revenue streams. It operates a standard broker management software (Maklerverwaltungsprogramm) for policy administration and is a member of three industry networks — BDVM (Bundesverband Deutscher Versicherungsmakler), VEMA Genossenschaft, and the MACO consortium — which provide cooperative purchasing power and carrier access. The firm carries no disclosed funding, no equity investors, and no AI or proprietary technology initiatives, positioning it as a relationship-driven regional brokerage rather than a technology-led insurance platform.

Name

Gutbrod GmbH

Legal name

Gutbrod GmbH

Website

https://gutbrod-gmbh.de

Company type

Private

Founded year

1976

Operating status

Operating

Headcount range

1–10 employees

Short description

Independent owner-managed German insurance broker (Versicherungsmakler) founded 1976 in Tettnang, licensed under §34d GewO. Serves mid-sized industrial companies plus private clients across Germany via an 8-person family-led team and cooperative broker networks.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), 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

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Independent insurance brokerage
• Versicherungsmakler services
• Commercial insurance broking
• Personal insurance advisory
• Risk analysis consulting

Headquarters

HQ city

Tettnang

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, Technology or R&D, Others

Revenue model

1. Insurance Brokerage Commission (Courtage): As a licensed insurance broker (Versicherungsmakler) under §34d GewO, Gutbrod GmbH earns commission (Courtage) embedded in insurance premiums, paid out by the insurance companies. Commission may also be separately agreed upon with customers, or structured as a combination of both, depending on customer needs and products.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Gutbrod GmbH is an independent, owner-managed insurance broker (Versicherungsmakler) founded in 1976 that advises mid-sized and industrial firms as well as private individuals in southwest Germany on risk analysis, contract design, administration, and claims handling across a broad portfolio of commercial and personal insurance lines. The company operates as a licensed broker under §34d GewO, earning commission (Courtage) embedded in insurance premiums while representing client interests rather than any single insurer, with access to market-wide product comparisons via memberships in BDVM and the VEMA cooperative.

Product overview

Gutbrod GmbH is an independent insurance broker (Versicherungsmakler) operating since 1976, serving both private individuals and business clients in southwestern Germany. The company offers a comprehensive portfolio of insurance products organized into three main categories: Private Insurance (including life, pension, disability, nursing care, health, liability, accident, household, building, legal protection, vehicle, travel, drone, and e-bike coverage), Business Insurance (covering property, contents, machinery, electronics, photovoltaic, transport, glass, liability, business interruption, cyber, closure, legal protection, debt collection, surety, company health insurance, group accident, D&O, and fleet insurance), and Management Insurance (including executive protection and D&O coverage). The company also provides company pension schemes (Betriebliche Altersvorsorge) for both employers and employees through various implementation models such as direct insurance, pension funds, support funds, and direct commitments. As an independent broker affiliated with BDVM and VEMA cooperative networks, Gutbrod GmbH offers market comparisons and optimal insurance solutions tailored to individual needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Lebensversicherung (Life Insurance) Life insurance that secures the standard of living in retirement, also used as loan protection for real estate or other investments. Brokerage offering for private clients.
• Rentenversicherung (Pension Insurance) Private pension insurance including Riester or Rürup pension plans with state subsidies for building retirement savings. Brokerage offering for private clients.
• Risikolebensversicherung (Term Life Insurance) Term life insurance for financing security or survivor protection, covering debt and maintaining family living standards. Brokerage offering for private clients.
• Berufsunfähigkeitsversicherung (Occupational Disability Insurance) Insurance providing income protection if the policyholder becomes unable to work due to occupational disability. Brokerage offering for private clients.
• Pflegeversicherung (Nursing Care Insurance) Private supplementary nursing care insurance including state-funded Pflege-Bahr options to cover care costs. Brokerage offering for private clients.
• Kindervorsorge (Children's Insurance) Comprehensive insurance for children including accident, education, disability, and supplementary health coverage. Brokerage offering for private clients.
• Schwere Krankheit / Dread Disease (Severe Illness Insurance) Severe illness insurance providing capital payment for cancer, heart attack, stroke, or long-term care situations. Brokerage offering for private clients.
• Privathaftpflichtversicherung (Private Liability Insurance) Private liability insurance protecting against claims for damages caused by accidents, mishaps, or negligence in daily life. Brokerage offering for private clients.
• Unfallversicherung (Accident Insurance) Accident insurance covering disability benefits, hospital daily allowance, cosmetic surgery, rehabilitation costs, and rescue expenses. Brokerage offering for private clients.
• Hausratversicherung (Household Contents Insurance) Insurance covering household contents against theft, fire, lightning, gas explosion, water damage, and storm or hail damage. Brokerage offering for private clients.
• Wohngebäudeversicherung (Residential Building Insurance) Building insurance protecting property owners against fire, water damage, and natural hazards including elemental damage coverage. Brokerage offering for private clients.
• Rechtsschutzversicherung (Legal Protection Insurance) Legal protection insurance covering attorney and court costs, including family, traffic, employment, and property legal matters. Brokerage offering for private clients.
• Kraftfahrtversicherung (Motor Insurance) Vehicle insurance for car owners, providing liability coverage and optional comprehensive protection with claims support. Brokerage offering for private clients.
• Reiseversicherung (Travel Insurance) Travel insurance including foreign health insurance, trip cancellation coverage, and luggage protection. Brokerage offering for private clients.
• Drohnenversicherung (Drone Insurance) Insurance coverage for drones of various weight categories, mandatory from 250g, with liability protection for pilots. Brokerage offering for private clients.
• E-Bike & Co Versicherung (E-Bike Insurance) Insurance for electric bicycles including Pedelecs up to 25 km/h and S-Pedelecs up to 45 km/h, covering liability and theft. Brokerage offering for private clients.
• Krankenversicherung (Health Insurance) Health insurance consulting for private or statutory health insurance, covering supplementary hospital, dental, and daily allowance policies. Brokerage offering for private clients.
• Zusatzversicherung (Supplementary Insurance) Supplementary health insurance filling gaps in statutory coverage, including dental and foreign travel coverage. Brokerage offering for private clients.
• Betriebliche Altersvorsorge (bAV) für Arbeitnehmer (Company Pension for Employees) Employee benefit plan allowing salary conversion for additional retirement pension with tax and social security advantages. Brokerage offering for employees of corporate clients.
• Betriebliche Altersvorsorge für Arbeitgeber (Company Pension for Employers) Employer-offered company pension including direct insurance, pension fund, support fund, and direct commitment options. Brokerage offering for business clients.
• Betriebsgebäudeversicherung (Business Property Insurance) Commercial building insurance covering damage from fire, water, and natural hazards including demolition and debris removal. Brokerage offering for business clients.
• Geschäftsinhaltsversicherung (Business Contents Insurance) Business contents insurance protecting office equipment, tools, and inventory against fire, robbery, and natural disasters. Brokerage offering for business clients.
• Maschinenversicherung (Machinery Insurance) Machinery insurance covering stationary and mobile equipment against operational damage including operator errors and machine breakdown. Brokerage offering for business clients.
• Elektronikversicherung (Electronics Insurance) Electronics insurance covering data technology, office equipment, and measuring equipment against technical failures and theft. Brokerage offering for business clients.
• Fotovoltaikversicherung (Photovoltaic Insurance) Photovoltaic insurance covering solar installations against fire, storm, hail, module breakage, theft, and loss of yield. Brokerage offering for business clients.
• Transportversicherung (Transport Insurance) Transport insurance covering goods during loading and transit against damage, with worldwide coverage options. Brokerage offering for business clients.
• Glasversicherung (Glass Insurance) Glass insurance covering commercial building facades and large glass elements against breakage damage. Brokerage offering for business clients.
• Betriebshaftpflichtversicherung (Business Liability Insurance) Business and product liability insurance protecting entrepreneurs and their legal representatives from financial consequences of operational liability. Brokerage offering for business clients.
• Betriebsunterbrechungsversicherung (Business Interruption Insurance) Business interruption insurance covering fixed costs and lost profits during the agreed liability period due to fire, storm, or vandalism. Brokerage offering for business clients.
• Cyberrisiken / Cyberversicherung (Cyber Insurance) Cyber insurance covering costs for IT forensics, legal advice, crisis management, business interruption, ransom payments, and recovery. Brokerage offering for business clients.
• Betriebsschließungsversicherung (Business Closure Insurance) Business closure insurance covering losses from mandatory closures due to infections, including disinfection and investigation costs. Brokerage offering for business clients.
• Gewerbe-Rechtsschutz (Commercial Legal Protection) Commercial legal protection insurance covering attorney and court costs for disputes with employees, data protection violations, or criminal proceedings. Brokerage offering for business clients.
• Forderungsausfallversicherung (Debt Collection Insurance) Trade credit insurance covering economic risks from customer insolvency on deliveries and services after credit checks. Brokerage offering for business clients.
• Bürgschaftsversicherung (Surety Bond Insurance) Surety and guaranty insurance providing alternative to bank guarantee lines, covering warranty, performance, and advance payment bonds. Brokerage offering for business clients.
• Betriebliche Krankenversicherung (Company Health Insurance) Company health insurance reducing absence costs with supplementary packages making employees feel like private patients. Brokerage offering for business clients.
• Gruppenunfallversicherung (Group Accident Insurance) Group accident insurance providing 24-hour protection for employees starting from three workers with attractive conditions. Brokerage offering for business clients.
• Keyman-Versicherung (Key Person Insurance) Key person insurance protecting companies against financial loss from death or serious illness of critical employees. Brokerage offering for business clients.
• Manager-Absicherung (Executive Protection) Executive protection insurance for managing directors without company ownership, including criminal legal protection. Brokerage offering for management of business clients.
• D&O-Versicherung (Directors & Officers Insurance) Directors and officers liability insurance protecting management from personal liability for financial damages from business decisions. Brokerage offering for management of business clients.
• Kraftfahrt / KFZ-Flotten (Commercial Vehicle Insurance) Commercial vehicle insurance covering company fleets from cars to trucks, including operational, brake, and breakdown damage with GAP coverage. Brokerage offering for business clients.
• Kfz-Flottenversicherung (Fleet Insurance) Fleet insurance negotiating favorable premiums with insurers, managing claims, and providing damage cause analysis. Brokerage offering for business clients.

Quantifiable outcome

• Over 45 years of market experience serving clients across Germany

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• BDVM e. V. (Bundesverband Deutscher Versicherungsmakler)coreOthersBDVM is the professional association for insurance brokers in Germany. Gutbrod GmbH is a member, which requires demonstration of professional qualifications, specialist knowledge, and multi-year industry experience. The association promotes the professional image of qualified insurance brokers and commits members to strict professional standards.
• VEMA Versicherungsmakler Genossenschaft eGcoreStrategic or Co-development PartnerVEMA is a cooperative union of qualified insurance brokers. Through VEMA membership, Gutbrod GmbH gains access to a wide range of insurance products with excellent price-performance ratios, shared technology platforms, and collective market intelligence that benefits clients through better coverage options and pricing.
• MACO (Mittelständische Versicherungsmakler Consortium)minorStrategic or Co-development PartnerMACO is a consortium of 6 mid-sized insurance broker businesses from Baden-Württemberg, founded in July 2000. Member firms collaborate through regular exchange of experience and mutual knowledge transfer to optimize customer service and jointly negotiate enhanced coverage concepts with insurers.

Scale indicators3 records

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Marsh GmbH: Global insurance broker and risk advisor with a substantial German operation serving mid-sized and large enterprises. Overlaps significantly with Gutbrod's commercial insurance offering but competes at a much larger scale and with broader international reach.

Others

• VEMA Versicherungsmakler Genossenschaft eG: Cooperative network of independent German insurance brokers of which Gutbrod is a member. Acts as an enabling ecosystem — not a direct competitor — providing collective purchasing power, technology platforms, and exclusive product access to member brokers.
• Aon Versicherungsmakler Deutschland: Global insurance broker operating in Germany with capabilities spanning commercial risk, reinsurance, and human capital. Comparable advisory model to Gutbrod at the upper end of the market, particularly for larger industrial clients.

Direct peers

• BCA AG: Independent German insurance broker (part of MLP Group) serving mid-sized companies and high-net-worth individuals with multi-line advisory. Highly comparable business model to Gutbrod with a similar personal-plus-commercial hybrid offering.
• Funk Gruppe: Independent, owner-managed German insurance broker and risk consultant serving mid-sized enterprises. Closely matches Gutbrod's holistic advisory approach and Mittelstand focus, with a broader geographic footprint.
• Martens & Partner: Independent German insurance broker serving commercial and private clients across multiple regions. Closely comparable in size, ownership model, and product breadth to Gutbrod as a Mittelstand-focused Versicherungsmakler.
• Ecclesia Group: Largest German insurance broker specializing in complex commercial and industrial risks, including aviation, marine, and cyber. Operates the same Versicherungsmakler model with similar client types to Gutbrod but with specialized sector expertise.
• MRH Trowe: Germany's largest independent insurance broker (Versicherungsmakler) serving mid-sized industrial and commercial clients. Highly comparable to Gutbrod in business model — independent, multi-line, mid-market focused — but at substantially greater scale.
• Lurse Versicherungsmakler: Independent German insurance broker focused on mid-sized enterprises, with strengths in employee benefits and pensions. Comparable to Gutbrod in serving the Mittelstand across multiple insurance lines through direct advisory.

Emerging players

• Finlex GmbH: Frankfurt-based insurtech and digital insurance broker targeting SMEs and mid-sized companies with a tech-enabled brokerage platform. Represents the emerging digital-first competitive threat to traditional brokers like Gutbrod.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/gutbrod-gmbh

Compliance2 records

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 Gutbrod GmbH