RISK MANAGEMENT GROUP

What RISK MANAGEMENT GROUP does

Risk Management Group is a privately held German independent insurance broker and consultant network headquartered in Kirchentellinsfurt, Baden-Württemberg. Founded around 2007 when Frank Schaible obtained his Versicherungsmakler license (§34d Abs. 1 GewO), the group operates through multiple legal entities including DS Insurance & Investment GmbH (insurance broker), DS Consulting UG (insurance consultant under §34d Abs. 2 GewO), and DS Service UG (central services). The firm is co-owned and managed by Frank Schaible and Jana Schaible. Through its sub-brands — PremiumCircle (consumer-oriented advisory), Securitati Medici (healthcare professionals), and WIFO GmbH (commercial and industrial insurance with ~60 employees) — the group serves three primary segments: enterprises (engineering, IT, biotech, medical technology, consulting, high-tech, climate and environment, research, trade, handcraft, production), freelance professionals (doctors, pharmacists, physiotherapists, lawyers, tax consultants, auditors, architects, engineers, computer scientists), and individuals seeking private health, nursing care, and occupational disability coverage. The stated value proposition is independence from insurers, banks, and distribution channels, with detailed manual analysis of insurance conditions to deliver market transparency.

The business model rests on three revenue streams: insurance brokerage commissions from products placed with various insurers (transaction fee), advisory fees for independent consulting in all product areas (professional services), and investment advisory fees generated via Frank Schaible's role as a contractually bound intermediary for FiNUM.Private Finance AG under §28 WpIG. The go-to-market is sales-led, direct advisory — appointments are booked via Calendly, and customer engagement happens through email, phone, and personal consultation. The technology stack is minimal: a German-language website, Calendly scheduling, SSL/TLS encryption, and DSGVO compliance. There is no mobile app, no API, no disclosed integrations, and no AI/ML capabilities. The firm's competitive positioning leans on regulatory credentials (dual broker/consultant licenses), claims of 50+ years of combined team experience and 50+ back-office specialists across 50+ insurance specializations, and a tightly held independence narrative that the firm positions as inconvenient for insurers and uncompromising on consumer interests. Geographic scope is regional (Baden-Württemberg), with no international footprint and a small in-house team of 12 supported by a broader specialist network.

Name

RISK MANAGEMENT GROUP

Legal name

Risk Management Group DS Investment & Insurance GmbH

Website

https://risk-management.group

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Risk Management Group is a privately held German independent insurance broker and consultant network headquartered in Kirchentellinsfurt, Baden-Württemberg, serving enterprises, freelance professionals (doctors, lawyers, engineers), and individuals with manually analyzed private health, long-term care, and occupational disability insurance solutions.

Ownership category

akta.pro rank

Product category

Insurance Brokerage & Advisory

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Risk Management Consulting (Enterprise & Operational Risk) (FSAEADAG)

akta.pro secondary industries

Individual Health Insurance Brokerage & Distribution (FSAIAEAL), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

Keywords

• Insurance brokerage
• Insurance consulting
• Private health insurance
• Commercial insurance brokerage
• Risk advisory services

Headquarters

HQ city

Kirchentellinsfurt

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 Commissions: As an independent insurance broker (Versicherungsmakler) registered under §34d Abs. 1 GewO, the company earns commissions from insurance products placed with various insurers on behalf of clients.
2. Insurance Advisory Fees: As an independent insurance consultant (Versicherungsberater) registered under §34d Abs. 2 GewO, the company provides advisory services in all product areas in their own name and on their own account.
3. Investment Advisory (via FiNUM.Private Finance AG): Frank Schaible, as Managing Director, provides investment brokerage and advisory services for financial instruments exclusively for FiNUM.Private Finance AG as a contractually bound intermediary under § 28 WpIG.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

RISK MANAGEMENT GROUP is an independent insurance broker and consultant that places private health, long-term care, and occupational disability insurance for individuals and freelance professionals (via DS Insurance & Investment GmbH) and develops independent insurance concepts and analyses (via DS Consulting UG). The group also delivers specialized healthcare-professional solutions (Securitati Medici), commercial and industrial insurance (WIFO GmbH), investment advisory (FiNUM.Private Finance AG), and consumer-facing advisory (PremiumCircle).

Product overview

Risk Management Group is a network of independent insurance consulting companies operating through multiple specialized sub-brands. The core offering comprises insurance consulting services for private health, long-term care, and occupational disability insurance. The portfolio includes: PremiumCircle (consumer-oriented consulting for health and insurance sectors), DS Insurance & Investment GmbH (independent insurance broker), DS Consulting UG (independent insurance consultant), DS Service UG (central infrastructure services), Securitati Medici (specialized solutions for healthcare professionals), WIFO GmbH (commercial and industrial insurance specialist), and FiNUM.Private Finance AG (investment advisory). The various brands work together as a network, with different entities serving different customer segments from private individuals to corporations, while maintaining independence from insurers and financial institutions.

Differentiator

Problem solved

Functional benefit

Brands

• Securitati Medici: Specialized insurance solutions for physicians, pharmacies, and healthcare professionals within the Risk Management Group network.
• PremiumCircle
• WIFO

Products and services

• DS Insurance & Investment GmbH - Independent insurance brokerage (private health, long-term care, occupational disability) Independent insurance brokerage placing private health, long-term care, and occupational disability insurance for individuals and freelance professionals, leveraging the full German insurance market.
• DS Consulting UG - Independent insurance consulting and concept development Independent insurance consulting and concept development practice, analyzing the entire German insurance market and producing tailored coverage concepts for clients.
• Securitati Medici - Specialized solutions for healthcare professionals Specialized insurance offering providing tailored coverage concepts for healthcare professionals, including physicians and pharmacists, leveraging the group's independent advisory posture.
• WIFO GmbH - Commercial and industrial insurance solutions Commercial and industrial insurance solutions for corporate clients, delivered via the specialist partner network underlying WIFO GmbH.
• FiNUM.Private Finance AG - Investment advisory Investment advisory service offered to clients of the group, complementing the insurance placement and consulting offerings.
• PremiumCircle - Consumer-oriented consulting Consumer-oriented insurance consulting offering for private individuals, providing independent advisory support through the PremiumCircle channel.

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core.

• DS Service UGcoreOthers · 11 March 2021Provides central services for cooperating companies under the Risk Management Group brand. Handles technical and organizational infrastructure and service tasks. Incorporated on 11.03.2021 at Amtsgericht Stuttgart under HRB 778125.
• JDC HDcoreChannel Partner/ Reseller/ DistributorJDC Group Holding AG subsidiary providing technology platform and infrastructure for insurance distribution. JDC HD is a key partner enabling the group's operations as independent insurance broker.
• FiNUM.Private Finance AGcoreGTM or Marketing PartnerFrank Schaible provides investment brokerage and advisory services for financial instruments exclusively for FiNUM.Private Finance AG as a contractually bound intermediary under § 28 WpIG. Registered in the public register of BaFin.
• WIFO GmbHcoreStrategic or Co-development PartnerWith approximately 60 employees, WIFO has been supporting independent insurance brokers since 1987. Specializes in commercial and industrial insurance with 125 years of professional experience, framework contracts, special concepts and direct contact to underwriters for solutions matching corporate client risks.
• PremiumCirclecoreStrategic or Co-development PartnerPremiumCircle is a consumer-oriented information and consulting society for the healthcare and insurance industry. Provides detailed analysis and services for private health, nursing care and occupational disability insurance ensuring market transparency.
• Securitati MedicicoreStrategic or Co-development PartnerSpecialized consulting and solutions from Risk Management Group for physicians, pharmacies and health professionals. Website: www.securitati-medici.de
• DS Insurance & Investment GmbHcoreOthersInsurance broker under §34d Abs. 1 GewO. Not accountable to any insurer, bank or distribution channel, only to customers. Registered at Amtsgericht München, HRB 789029.
• DS Consulting UGcoreOthersOne of approximately 330 independent insurance consultants. Provides maximum objectivity. Registered at Amtsgericht Stuttgart, HRB 778115 under §34d Abs. 2 GewO as insurance consultant.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/art-of-modern-management-group
• Facebookfacebook.com/riskmanagementgroup
• Instagraminstagram.com/riskmanagementgroup

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries5 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 RISK MANAGEMENT GROUP