Schnitger Versicherungsmakler GmbH

What Schnitger Versicherungsmakler GmbH does

Schnitger Versicherungsmakler GmbH is an independent (freier) insurance broker founded in 1994 and headquartered at Bahnhofstraße 4 in Oldenburg, Lower Saxony. The firm operates as a provider-neutral intermediary holding German trade permits under §34d, §34f, §34i, and §34c GewO, which together authorize insurance brokerage, financial investment intermediation, real estate loan brokerage, and real estate development activities. It serves two parallel customer segments: Gewerbekunden (commercial and industrial clients) and Privatkunden (private individuals), with deeper specialization through sub-brands including Lehrerairbag for teachers, Kleine Helden for families, and zukunfts+ for sustainable corporate benefits. A Travel Insurance portal operates in partnership with HanseMerkur.

The product portfolio spans commercial and personal insurance brokerage, commercial and personal financing (real estate, equipment, fleet, leasing), private wealth management grounded in Nobel Prize-anchored portfolio theory, and the zukunfts+ corporate benefits platform. Digital infrastructure includes the simplr platform (a web portal plus iOS and Android applications) for policy document access, claims reporting, and curated insurance offers, complemented by a website KI-Chatbot for initial inquiries and an eTermin appointment booking integration. The firm employs approximately 14 staff, including two Geschäftsführer (André Schnitger and Lutz Nienaber) and one certified ecoanlageberater, with the remainder in back-office, accounting, and management-assistant roles.

Revenue is generated primarily through insurance commissions (Courtage) on brokered policies, with secondary streams from fee-based advisory (Honorar) for clients who prefer commission-free net-tariff arrangements and recurring investment advisory fees on assets under management. Distribution is direct-to-customer via in-person consultation at the Oldenburg office, supported by phone, email, WhatsApp, eTermin scheduling, the simplr digital platform, the HanseMerkur travel portal, and a tiered Service+ service model (Start, Smart, Expert, Business Plus). The firm is privately held, founder-controlled, and operates exclusively within Germany with no parent company, subsidiaries, or external funding.

Name

Schnitger Versicherungsmakler GmbH

Legal name

Schnitger Versicherungsmakler GmbH

Website

https://schnitger-makler.de

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Short description

Schnitger Versicherungsmakler GmbH is an independent German insurance broker founded in 1994 in Oldenburg, providing provider-neutral insurance, financing, and wealth management services to commercial and private clients across Germany via personal consultation and the simplr digital platform.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Independent insurance brokerage
• Commercial insurance solutions
• Private financial advisory
• Wealth management services
• Corporate benefits programs

Headquarters

HQ city

Oldenburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission (Courtage): Standard commission received from insurance providers based on policy premiums, included in insurance premium calculations. This is the primary revenue stream as a independent insurance broker.
2. Fee-based Advisory (Honorar): Optional direct fee arrangement with customers who prefer not to use commission-based products. Contracts are then concluded with commission-free tariffs (Nettoisierung).
3. Investment Advisory Fees: Ongoing fee on assets under management for long-term financial planning and investment advisory services based on Nobel Prize-winning investment principles.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Schnitger Versicherungsmakler GmbH is an independent (freier) insurance broker that places commercial and private insurance, financing, and wealth management products from any provider on behalf of its customers. It also offers corporate benefits (zukunfts+), specialized insurance programs for teachers (Lehrerairbag) and families with children (Kleine Helden), and travel insurance through partner HanseMerkur. Revenue is primarily generated through insurance commissions (Courtage) with optional fee-based advisory (Honorar) and ongoing investment advisory fees on assets under management.

Product overview

Schnitger Versicherungsmakler GmbH is a free (independent) insurance broker based in Oldenburg, Germany, operating since 1994. The company offers two main customer segments: commercial customers (Gewerbekunden) and private customers (Privatkunden). Commercial services include tailored commercial insurance (Gewerbliche Versicherung), commercial financing (Gewerbliche Finanzierung), and zukunfts+ for corporate benefits. Private services encompass personal insurance (Private Versicherungen), private financing (Private Finanzierung), and wealth management (Privatvermögen). The company also operates specialized sub-brands including Lehrerairbag for teachers, Kleine Helden for children's insurance, and Reiseversicherungen for travel coverage. As a digital enhancement, they offer SIMPLR (a digital insurance management app) and Service+ (a tiered service model) to complement their core brokerage services. The company follows a scientifically-based investment philosophy aligned with Nobel Prize-winning portfolio theories.

Differentiator

Problem solved

Functional benefit

Products and services

• Gewerbliche Versicherung (Commercial Insurance)

Quantifiable outcome

• 30% minimum equity required for real estate financing to secure favorable credit terms
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Five partnerships are on record, tiered core and minor.

• HanseMerkurcoreChannel Partner/ Reseller/ DistributorPartnership for travel insurance products. Schnitger offers HanseMerkur travel insurance products including foreign travel health insurance (up to 365 days, annual, up to 5 years), Young Travel insurance, annual travel cancellation insurance, and rental car protection through an online portal.
• eTermin GmbHcoreTechnology or IntegrationOnline appointment scheduling service provider. Used for customer booking of consultation appointments. Processes customer data including name, phone, email, preferred communication method, and appointment details.
• zukunftsplus.decoreStrategic or Co-development PartnerCorporate benefits platform for sustainable employee motivation and retention solutions. Provides comprehensive employee benefit programs combining financial advice with corporate welfare solutions.
• AXA Versicherung AGcoreChannel Partner/ Reseller/ DistributorProfessional liability insurance provider for the company. Holds mandatory professional liability coverage with minimum insured sum of 460,000 EUR per case and 750,000 EUR annual aggregate.
• Oldenburgische Industrie und HandelskammerminorOthersCompetent supervisory authority under §34 d, f, i GewO and responsible professional chamber for the company's licensing as insurance broker, financial agent, and real estate loan broker.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Allianz SE: Largest European insurer and asset manager, operating captive agency channels in Germany (Allianz Beratungs- und Vertriebs-AG). Represents the bundled-carrier alternative that independent brokers like Schnitger position against.
• AXA Konzern AG: Major German P&C and life insurer with own agency network and bancassurance partnerships. Notably, AXA also provides Schnitger's mandatory professional liability coverage, illustrating incumbent-broker interdependence.

Emerging players

• Check24 Vergleichsportal GmbH: Germany's leading insurance price-comparison aggregator, representing the digital-disruption channel that increasingly competes with traditional brokers for retail insurance customers.

Direct peers

• MLP SE: German independent financial advisory and insurance brokerage firm with multi-licensed advisors serving both retail and corporate clients across insurance, investments, and financing. Direct overlap with Schnitger's provider-neutral advisory model and wealth management focus.
• Funk Gruppe: One of Germany's largest independent insurance brokers and risk consultants, serving mid-market and corporate clients. Comparable provider-neutral positioning, multi-licensing across insurance and financial advisory, and consulting-led revenue model.
• A.S.I. Wirtschaftsberatung AG: German independent financial advisory and insurance brokerage firm focused on academic professionals and corporate benefits, similar to Schnitger's Lehrerairbag and zukunfts+ niche segments. Provider-neutral model with recurring fee streams.
• Ecclesia Versicherungsdienst GmbH: Independent German insurance broker specializing in commercial and institutional clients, including healthcare, public sector, and corporate buyers. Comparable as a freier Versicherungsmakler with a long-established book of business and provider-neutral advisory approach.
• JDC Group AG (Jung, DMS & Cie.): German insurance and financial advisory platform combining a digital marketplace with traditional brokerage. Comparable provider-neutral distribution model and platform-enabled advisory that mirrors Schnitger's simplr-style digital layer.
• MRH Trowe Group: German independent insurance broker and risk advisor focused on mid-market and SME commercial clients. Comparable as an independent broker offering tailored insurance, financing, and benefits advisory with multi-line licensing.

Regional players

• HanseMerkur Versicherungsgruppe: Hamburg-based mutual insurer focused on health, travel, and supplementary coverage. Existing channel partner for Schnitger's travel insurance offering; represents a regional carrier-broker symbiosis typical of the German Mittelstand market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/schnitger-versicherungsmakler-gmbh

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Schnitger Versicherungsmakler GmbH