WVD - Wirtschafts- und Versicherungsdienst des Marburger Bundes Berlin/Brandenburg GmbH

What WVD - Wirtschafts- und Versicherungsdienst des Marburger Bundes Berlin/Brandenburg GmbH does

WVD - Wirtschafts- und Versicherungsdienst des Marburger Bundes Berlin/Brandenburg GmbH is a Berlin-based independent insurance broker and financial advisory firm founded in 1986, operating as the captive economic-services arm of the Marburger Bund Berlin/Brandenburg medical association. The firm serves physicians across all career stages — medical students, physicians in training, employed physicians, fee-for-service physicians, and practice owners/sellers — exclusively within the Berlin/Brandenburg region, distributing group insurance contracts and financial advisory services through a team of approximately 5 employees including two managing directors (Steffen Händler and Stefan Pohlmann) and a roster of registered insurance intermediaries.

The firm's product portfolio spans professional liability insurance (€56/year for physicians in training, free for medical students via Marburger Bund group contracts), occupational disability coverage including the exclusive DocD'or prevention concept, private and statutory health insurance advisory, retirement provision planning, contract and coverage checkups, practice establishment and acquisition consulting, business administration support, and a real estate / capital investment advisory line for physicians. It also issues insurance certificates (medical malpractice, private liability, household, accident) and runs an annual notification service to prevent coverage gaps during career transitions.

Commercially, WVD operates as a Mehrfachvermittler representing Deutsche Ärzte Finanz and Deutsche Ärzteversicherung, distributing products from Allianz, AXA, Barmenia, Central, DKV, Generali, Gothaer and other carriers on a commission basis. Customer acquisition is driven entirely through the Marburger Bund association's membership channels; the firm uses standard business infrastructure (terminland.de online scheduling, a customer portal at kundenbereich.wvd-berlin.de, Google Analytics, newsletter distribution) rather than proprietary technology or AI capabilities, and has not raised external funding or expanded beyond Berlin/Brandenburg.

Name

WVD - Wirtschafts- und Versicherungsdienst des Marburger Bundes Berlin/Brandenburg GmbH

Legal name

WVD - Wirtschafts- und Versicherungsdienst des Marburger Bundes Berlin/Brandenburg GmbH

Website

https://wvd-berlin.de

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

WVD is a Berlin-based independent insurance broker and financial advisory firm serving physicians who are members of the Marburger Bund Berlin/Brandenburg medical association, distributing group insurance contracts and wealth advisory services via association channel and registered advisors.

Ownership category

akta.pro rank

Product category

Insurance Brokerage & Financial Advisory

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

Keywords

• Insurance brokerage services
• Financial advisory physicians
• Professional liability insurance
• Practice establishment consulting
• Real estate advisory

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission: WVD operates as an independent insurance broker (ungebundener Versicherungsvertreter/Mehrfachvermittler) representing multiple insurance companies including Deutsche Ärzteversicherung and AXA. The company earns commissions on insurance products sold to its client base of physicians. As a tied agent representing both WVD and Deutsche Ärzte Finanz, brokers earn commission on products from their selected insurance company portfolio.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

WVD is the financial and insurance service arm of the Marburger Bund Berlin/Brandenburg medical association, operating as an independent insurance broker (Mehrfachvermittler) that provides group insurance contracts and personalized financial advisory exclusively to physician members. Core offerings include professional liability insurance for medical students, physicians in training and practicing doctors; occupational disability insurance; health insurance advisory; retirement planning; practice establishment, search and financing consulting; and real estate and capital investment advisory for high-income medical professionals.

Product overview

WVD is a financial and insurance services company serving as the economic advisory arm of the Marburger Bund Berlin/Brandenburg medical association. The company offers a comprehensive portfolio of insurance products and financial advisory services tailored for physicians at every career stage. Core insurance products include professional liability insurance (Haftpflichtversicherung) for medical students, physicians in training, and practicing doctors; occupational disability insurance (Berufsunfähigkeitsversicherung); health insurance advisory; and retirement provision planning. Additional offerings encompass real estate and capital investment advisory services, practice establishment consulting, practice search support, and business economics consulting for established practices. The company also provides certificate services for various insurance types (malpractice, liability, household, accident) and an annual status reporting service (Jahresmeldung) to help members maintain adequate coverage through career transitions. The DocD'or prevention concept offers bundled occupational disability coverage with premium benefits for Marburger Bund members. The company operates as an independent insurance broker (Mehrfachvermittler) representing multiple insurance providers including Deutsche Ärzteversicherung, AXA, Allianz, and others.

Differentiator

Problem solved

Functional benefit

Products and services

• Professional Liability Insurance for Medical Students (Haftpflichtversicherung für Medizinstudenten) Comprehensive professional and private liability insurance coverage for medical students who are Marburger Bund members. Includes clinical rotations, internships (Famulatur) and extends until the start of residency.
• DocD'or Vorsorgekonzept (DocD'or Prevention Concept) Bundled occupational disability insurance (Berufsunfähigkeitsabsicherung) concept that adapts flexibly to a Marburger Bund member's life situation, with top-rated disability coverage and benefits payable at 50% disability.
• Professional Liability Insurance for Physicians in Training (Berufshaftpflichtversicherung für Ärzte in Weiterbildung) Comprehensive professional and private liability insurance for physicians in training who are Marburger Bund members, offered at €56 per year. Coverage spans professional and non-professional medical activities, first-aid protection and loss of service key coverage.
• Occupational Disability Insurance (Berufsunfähigkeitsversicherung) Disability insurance covering a physician's last practiced occupation, with Marburger Bund members receiving premium benefits and free coverage during parental leave for up to 6 months.
• Health Insurance Advisory (Krankenversicherung) Advisory services comparing private and statutory health insurance options, using analysis programs to compare tariffs from various private health insurance providers.
• Retirement Provision Advisory (Altersversorgung) Advisory on retirement planning options, including analysis of various pension and retirement vehicles beyond statutory and Ärzteversorgungswerk coverage.
• Contract and Coverage Checkup (Vertrags- und Versorgungs-Checkup) Review service for existing insurance contracts that examines policy terms and conditions to identify missing clauses or inadequate coverage.
• Practice Establishment Consulting (Niederlassungsberatung) Comprehensive consulting for physicians establishing independent practice, including practice selection, business plan development, financing concepts and implementation support.
• Practice Search (Praxissuche) Support service for finding the right medical practice, leveraging WVD's established network of contacts for practice acquisition opportunities.
• Business Administration Support (Betriebswirtschaftliche Betreuung) Ongoing business economics consulting for established practices, including plan-versus-actual comparison and early warning for financial and political changes.
• Mandatory Professional Liability Insurance for Panel Doctors (Pflichthaftpflichtversicherung für Vertragsärzte) Statutory mandatory professional liability insurance for panel doctors (Vertragsärzte) under §95e SGB V, with minimum coverage of €3 million for solo practitioners and €5 million for organizational forms such as MVZ.
• Practice Financing (Praxisfinanzierung) Financing advisory services for practice establishment, including the development of customized financing concepts.
• Practice Inventory Insurance (Praxisinventarversicherung) Insurance coverage for practice inventory and equipment.
• Practice Interruption Insurance (Praxisausfallversicherung) Insurance coverage for loss of practice income due to interruption events.
• Legal Protection Insurance (Rechtsschutzversicherung) Legal protection insurance coverage for physicians.
• Self-Used Property Advisory (Eigengenutzte Immobilie) Advisory services for physicians purchasing residential property, including feasibility analysis, financing structure and processing, contract negotiation support and tax consideration review.
• Rental Property Advisory (Vermietete Immobilie) Investment property advisory services, including financing concepts and comprehensive management packages for physicians seeking to build real estate assets.
• Investment Advisory (Geldanlage) Investment advisory services helping physicians determine suitable investment strategies balancing security and opportunity, including consultation on various asset classes.
• Medical Malpractice Insurance Certificates (Arzthaftpflicht) Insurance certificate services for medical malpractice liability coverage, issued for presentation to health insurance associations, employers, landlords and other entities.
• Private Liability Insurance (Privathaftpflicht) Private liability insurance coverage certificate issuance service.
• Household Insurance (Hausrat) Household insurance coverage certificate issuance service.
• Accident Insurance (Unfallversicherung)

Segments5 records

Ideal customer profiles4 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.

• Deutsche Ärzte Finanz Beratungs- und Vermittlungs-AGcoreStrategic or Co-development PartnerWVD serves as a representative of Deutsche Ärzte Finanz as an ungebundener Versicherungsvertreter (independent insurance broker/multi-agent). The relationship allows WVD to offer products from Deutsche Ärzte Finanz's selected portfolio of insurance companies including Allianz, AXA, Barmenia, Central, Deutsche Ärztevers., DKV, Generali, Gothaer, and others. WVD brokers represent both WVD and Deutsche Ärzte Finanz.
• Deutsche ÄrzteversicherungcoreTechnology or IntegrationDeutsche Ärzteversicherung is the primary insurance provider for WVD's group insurance contracts, including professional liability insurance for medical students (free) and physicians in training (€56/year). The company provides vorvertragliche Informationen (pre-contractual information) for sustainability risk disclosures under EU transparency regulations.
• DIHK e.V. (Deutscher Industrie- und Handelskammertag)minorOthersDIHK e.V. is the German Association of Chambers of Industry and Commerce, located at Breite Straße 29, 10178 Berlin. WVD brokers are registered in the DIHK-operated vermittlerregister.info. Customers can verify broker registration through DIHK.

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• MLP AG: Germany's largest publicly listed financial advisory group targeting academics and professionals (heilberufe and other high-income segments). MLP competes for the same Berufsunfähigkeit, private health insurance, and wealth advisory wallet, with a multi-bank and multi-carrier model similar to WVD's, but at national scale.
• A.S.I. Wirtschaftsberatung: Established German financial advisory firm specializing in academics, physicians, and other academic medical professionals (akademische Heilberufe). A.S.I. offers insurance, finance, and real estate advisory with comparable carrier partnerships and physician-focused products to WVD.

Direct peers

• Deutsche Ärzte Finanz Beratungs- und Vermittlungs-AG: WVD's core strategic partner and joint representation vehicle; Deutsche Ärzte Finanz is Germany's leading financial advisory firm specializing in physicians, providing the same insurance carrier portfolio (Allianz, AXA, Barmenia, Deutsche Ärzteversicherung, etc.) to medical professionals nationwide. It is the most directly comparable operating model to WVD.

Others

• Deutsche Ärzteversicherung: Direct insurance carrier specialized in medical professionals in Germany and the primary product partner behind WVD's group liability and DocD'or offerings. As a carrier (not a broker), it sits upstream of WVD in the same physician value chain.

Regional players

• Dr. Johannes Fiala / Fiala & Partner: Munich-based financial and insurance advisory serving physicians and high-income professionals in southern Germany, with similar specialty on Berufsunfähigkeit and practice-related advisory. Operates as a regional specialist in the same niche as WVD.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/wvd---wirtschafts--und-versicherungsdienst-des-marburger-bundes-berlin-brandenburg-gmbh

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 WVD - Wirtschafts- und Versicherungsdienst des Marburger Bundes Berlin/Brandenburg GmbH