Hergon

What Hergon does

Hergon (legal name: HERGON Makleragentur Waldemar Gonsior und Bettina Herschelmann) is an independent German insurance broker (Versicherungsmakler) operating from Birkenfeld, Württemberg, as a private partnership between Waldemar Gonsior and Bettina Herschelmann. The firm serves both private customers (Privatkunden) and business customers (Geschäftskunden), with a tailored offering for public sector employees (Öffentlicher Dienst) as a secondary vertical.

The product portfolio spans health, life, and property insurance for individuals (e.g., private health coverage, supplemental dental, retirement/pension products, occupational disability, dread disease, household and building insurance, private liability, motor, legal protection), alongside commercial lines (business liability, D&O, electronics, machinery, transport, IT and telecommunications liability, event liability, and Kautionsversicherung). Adjacent non-insurance services include Baufinanzierung (construction financing), Vorsorgevollmacht (advance care directives/power of attorney), and a set of online financial calculators (electricity, gas, DSL, savings, credit cards, loans, current accounts) used as top-of-funnel engagement tools.

The underlying technology is a standard, non-proprietary website with embedded rule-based calculators and contact/quote-request forms; no apps, APIs, integrations, or AI components are present. Hergon operates a sales-led GTM combining face-to-face and phone consultation with online self-service, monetizing via Courtage (broker commissions) from insurance carriers — the standard German Versicherungsmakler compensation model — and does not charge customers directly.

Name

Hergon

Legal name

HERGON Makleragentur Waldemar Gonsior und Bettina Herschelmann

Website

https://hergon.de

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Hergon is an independent German insurance broker (Versicherungsmakler) in Birkenfeld, Württemberg, serving private customers, businesses, and public sector employees with health, life, property, and commercial lines plus financing and power-of-attorney services, earning revenue via carrier commissions.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)

akta.pro primary industry

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)

akta.pro secondary industries

Directors & Officers (D&O) Liability (FSAJADAF), Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD), Public Liability (Premises/Operations) (FSAJADAD), Motor Vehicle Liability Insurance (FSAJAMAC)

Keywords

• Insurance brokerage
• Commercial insurance
• Health insurance
• Property insurance
• Retirement planning

Headquarters

HQ city

Germany

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, Infrastructure

Revenue model

1. Insurance Commission (Courtage): As an independent insurance broker (Versicherungsmakler), Hergon receives commission (Courtage) from insurance companies for policies placed. This is the standard compensation model for German insurance brokers - they are paid by the insurance provider, not the customer. The broker must act in the customer's interest and is liable for improper advice.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Hergon is an independent German insurance broker (Versicherungsmakler) that places insurance policies on behalf of private and business customers with multiple insurance carriers. Its core offerings span health, life, and property/casualty insurance for private individuals, and commercial lines (business liability, D&O, electronics, machinery, transport, IT liability) for businesses, supplemented by construction-financing consultation, advance care planning, and online comparison tools. Compensation is received via carrier commissions (Courtage), not direct customer fees.

Product overview

Hergon is an insurance broker agency (Makleragentur) owned by Waldemar Gonsior and Bettina Herschelmann, based in Germany. The company operates as an independent insurance broker offering a comprehensive portfolio of insurance and financial products. The core offering consists of private customer insurance products (health, life, property coverage), business customer insurance solutions (professional liability, D&O, electronics, machinery), and supplementary financial services including online calculators and needs assessment tools. The company positions itself as a one-stop provider for insurance, risk management, and advance care planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Krankenversicherungen (Health Insurance)

Segments3 records

Ideal customer profiles2 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.

• Various Insurance Providers (unspecified)coreChannel Partner/ Reseller/ DistributorAs an independent insurance broker (Versicherungsmakler), Hergon works with multiple insurance companies to offer diverse coverage options. Specific provider names are not disclosed on the website. The broker receives commission (Courtage) from these providers for placed policies.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Allianz: Germany's largest insurer with a multi-channel distribution model including tied agents, brokers, and direct. While Allianz actually uses independent brokers like Hergon as distribution partners, it is also a structural competitor that could absorb Hergon's customer base through its own tied-agent network.
• R+V Versicherung: Major German cooperative insurer with strong presence in KFZ, Sach, and agricultural lines. Competes for the same regional, multi-line insurance buyers Hergon targets, while also serving as a potential broker-side carrier partner.
• Generali Deutschland: Large multi-line German insurer (parent of CosmosDirekt). Combines tied-agent distribution with broker partnerships, making it both a potential carrier partner for Hergon and a competitive threat via its direct channels.
• CosmosDirekt: One of Germany's largest direct insurers (part of Generali). Sells insurance direct to consumer, bypassing brokers entirely. A direct threat to Hergon's commission model in the standard personal-lines categories.
• HUK-Coburg: Major German mutual insurer with strong direct-sales capabilities covering KFZ, Hausrat, Haftpflicht, and life products. Operates its own distribution bypassing brokers, competing for the same end-customers Hergon serves.

Direct peers

• Finanzchef24: Digital broker focused specifically on SME and commercial insurance (Haftpflicht, Sach, D&O, Cyber). Direct competitor for Hergon's Geschäftskunden segment, but delivered via a digital-first model versus Hergon's in-person consultation approach.
• Deutsche Vermögensberatung (DVAG): Germany's largest independent field-sales financial advisor network with deep insurance product placement. Comparable to Hergon in combining personal advisory with insurance distribution, though DVAG operates a large multi-level sales structure rather than a small office.
• MLP: Established German financial advisory and insurance broker network focused on private clients, professionals, and SME clients. Highly comparable to Hergon in business model (independent broker, fee/commission-driven, advisory-led) but operating at much larger national scale.
• Verivox: Major German price-comparison portal for insurance, energy, and financial products. Operates a similar multi-carrier aggregator model to Check24 and competes head-on with independent brokers for KFZ, Hausrat, and Krankenversicherung placements.
• Check24: Germany's largest insurance (and broader financial services) comparison portal. Check24 directly competes with Hergon for the same private-customer insurance placement flows via a digital, multi-carrier comparison model — the core alternative to Hergon's independent broker approach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/hergon

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 Hergon