asspario Versicherungsdienst

What asspario Versicherungsdienst does

asspario Versicherungsdienst GmbH is a German insurance broker (Assekuradeur/Mehrfachagent) founded in 2014 and headquartered in Bad Kreuznach, Germany. The company designs and distributes private and commercial property and casualty insurance products under its own brand, operating on a commission-based model with insurance carriers (notably BA die Bayerische Allgemeine Versicherung AG and GVO Versicherung) underwriting the risk. Its product portfolio spans private liability (Privathaftpflicht), household contents (Hausrat), standalone elemental damage (Elementar SOLO), dog-owner liability (DogVers), horse-owner liability (Vierpfoten), bicycle all-risk (Fahrrad AllRisk), and luxury watch (CHRONOprotect) insurance, each offered in tiered coverage levels (fair select, best select, top select) with annual subscription premiums ranging from approximately €30 to €175.

The underlying technology consists of a cloud-based insurance quotation and policy management platform, including online self-service calculators at calculate.asspario.de for direct quote and binding, and a partner portal at portal.asspario.de for distribution partners. The platform integrates standard third-party services including Google Places (address autocomplete), Cloudflare Turnstile (anti-abuse), tawk.to (live chat), and Google Analytics. Distribution is hybrid: direct-to-consumer via online self-service alongside a network of insurance brokers (Makler), multi-agents (Mehrfachagenten), and fee-based insurance advisors (Honorarberater).

The company has 11–50 employees and is led by a four-person management team headed by CEO Lars Fuchs, with combined industry experience of more than 35 years. asspario is affiliated with Domcura, which provides institutional backing and operational trust. The company is a private GmbH with no disclosed funding, venture capital, or private equity backing, and operates exclusively within the German market.

Name

asspario Versicherungsdienst

Legal name

asspario Versicherungsdienst GmbH

Website

https://asspario.de

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

asspario Versicherungsdienst GmbH is a German insurance broker (Assekuradeur) founded in 2014 that designs and distributes private property and casualty insurance products, including household, liability, pet, bicycle, and luxury watch coverage, through direct online self-service and a broker distribution network.

Ownership category

akta.pro rank

Product category

Insurance Brokerage & Property Insurance

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industry

Personal Excess Liability (High-Net-Worth) (FSAJANAF)

Keywords

• Insurance brokerage services
• Property casualty insurance
• Private liability coverage
• Household contents insurance
• Niche insurance products

Headquarters

HQ city

Bad Kreuznach

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, Infrastructure, Others

Revenue model

1. Insurance Premium Revenue: asspario operates as an insurance broker (Assekuradeur/Mehrfachagent) earning commissions from insurance product sales. They develop and distribute innovative property insurance products through multiple distribution channels.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

asspario Versicherungsdienst GmbH is an insurance broker and cover-concept provider (Assekuradeur / Deckungskonzeptionär) that designs and distributes innovative property and casualty insurance products for private individuals and small businesses in Germany. Its portfolio includes private liability (Privathaftpflicht), household contents (Hausrat), standalone elemental damage (Elementar SOLO), dog and horse owner liability (DogVers, Vierpfoten), bicycle all-risk (Fahrrad AllRisk), and luxury watch (CHRONOprotect) coverage, sold via online calculators and a broker network with risk carried by partner insurers such as BA die Bayerische and GVO Versicherung.

Product overview

asspario Versicherungsdienst is a cover concept provider (Deckungskonzeptionär) and multi-agent (Mehrfachagent) specializing in private and commercial property insurance. The company offers a portfolio of named insurance products organized into three service tiers (fair select, best select, and top select) covering personal liability (Privathaftpflicht), household contents (Hausrat), elemental damage (Elementar SOLO), dog owner liability (DogVers), horse owner liability (Vierpfoten), bicycle all-risk (Fahrrad AllRisk), and luxury watch insurance (CHRONOprotect). Products are distributed through a cloud-based broker portal, an online quote calculator, and direct sales channels, with partners and insurance brokers as key distribution channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Privathaftpflicht (Private Liability Insurance) Private liability insurance (PHV) protecting policyholders against third-party compensation claims, with coverage up to €50 million for incapable children and key damage up to €100,000. Available in three coverage tiers (fair select, best select, top select) for singles, families, and seniors.
• Hausrat (Household Contents Insurance) Household contents insurance covering belongings against fire, theft, water damage, and storm. Offered in three coverage tiers (fair select, best select, top select) with varying limits and optional extras, starting from €34.84 per year.
• Elementar SOLO (Elemental Damage Insurance) Standalone elemental damage insurance covering residential buildings (Elementar SOLO Wohngebäude) and household contents (Elementar SOLO Hausrat) against flooding, heavy rain, snow pressure, and landslides, available independently of a main building insurance policy.
• DogVers (Dog Owner Liability Insurance) Dog owner liability insurance covering legal liability claims with coverage up to €50 million, including unique coverage for poison bait ingestion costs and damages to borrowed vehicles. All dog breeds are insurable.
• Vierpfoten Pferdehalterhaftpflicht (Horse Owner Liability Insurance) Horse owner liability insurance developed in cooperation with a specialized equine insurance broker, offering coverage sums up to €50 million with unique add-on packages for riding lessons, school horses, and horse sitting.
• Fahrrad AllRisk (Bicycle All-Risk Insurance) Comprehensive full-casco insurance for bicycles, e-bikes, pedelecs, cargo bikes, mopeds, and scooters, covering theft, damage, and self-inflicted accidents with coverage up to €12,000 purchase price and a 20% GPS tracking discount.
• CHRONOprotect (Luxury Watch Insurance) Specialized insurance for luxury wristwatches covering single items valued between €1,000 and €100,000 against theft, burglary, damage, fall, and breakage, including repair costs. A 3-year contract term is available with a 3% discount.

Quantifiable outcome

• Over 96.5% of buildings in Germany in ZÜRS zones 1 and 2 are insurable for elemental damage without additional difficulty

Named customers4 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature2 records

Partnerships

Four partnerships are on record, tiered core.

• DomcuracoreStrategic or Co-development Partner · 1 January 2014Domcura is the parent company/group affiliation of asspario. This relationship provides the foundation of security and trust. The Domcura affiliation enables asspario to leverage shared resources, industry expertise, and operational infrastructure.
• BA die Bayerische Allgemeine Versicherung AGcoreOthersBA die Bayerische serves as the risk carrier for asspario Elementar SOLO Wohngebäude insurance product. The policy conditions reference asspario Wohngebäudeversicherung T16, WEZ 2014.
• GVO VersicherungcoreOthersGVO Versicherung is the partner insurance company for asspario Hausrat and Privathaftpflicht (PHV) products. asspario has created a powerful and fairly calculated offering with their partner for optimal risk coverage.
• Dennis Keller (Vierpfotenmakler)coreStrategic or Co-development PartnerDennis Keller is a specialized insurance broker with over 20 years of experience in horse care. He co-developed the asspario Vierpfoten Pferdehalterhaftpflichtversicherung product, bringing unique expertise to create distinctive coverage features.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• CHECK24: Germany's largest insurance and financial product comparison portal, offering online quote-and-bind across P&C, life, and health lines. Comparable to asspario's calculator-driven online distribution model, but operates at vastly greater scale across multiple financial product categories.
• HUK-Coburg: One of Germany's largest mutual insurance carriers, offering comprehensive P&C products through direct and broker channels. Comparable in product scope (liability, household, pet) but as a major incumbent insurer rather than niche broker.
• Wefox Group: European insurtech with insurance brokerage operations across Germany, serving consumers via digital channels and partner brokers. Comparable digital-broker hybrid distribution, though operating at significantly larger scale and broader geography.
• Verivox: Major German insurance and energy comparison platform with digital distribution across P&C products. Comparable as a digital-first insurance intermediary, though broader in scope including utilities and telecom.

Direct peers

• Clark: German digital insurance broker offering P&C and life coverage via app-based platform with broker support. Comparable to asspario's blend of self-service digital tools and advisory for personal lines customers.
• Friday Insurance: German digital insurer offering fully digital motor and selected P&C products with mobile-first UX. Comparable as a digital-native German insurance distribution model, though more focused on motor vehicle coverage.
• Thinksurance: German insurance platform focused specifically on broker partner enablement with digital tools, product marketplaces, and process automation. Closely comparable to asspario's broker-portal-led distribution model serving the Makler and multi-agent channels.
• Getsafe: German digital insurance broker offering mobile-first P&C products including liability, household contents, and pet insurance. Closely comparable to asspario's product portfolio and digital self-service distribution model.

Others

• Bayerische Allgemeine Versicherung (Die Bayerische): Risk carrier partner for asspario's Elementar SOLO Wohngebäude product. Comparable as a German P&C insurer with broker distribution, though operating as an underwriter rather than broker intermediary.
• Domcura: German insurance group and affilitated partner of asspario, specializing in Assekuradeur and product conception services for brokers. Comparable business model (specialty insurance concept provider), though operating as a larger wholesale partner rather than direct retail broker.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/assparioag
• YouTubeyoutube.com/channel/UCSU5cQBy-qvsM1PAvQz4L3Q
• Facebookfacebook.com/asspario
• LinkedInlinkedin.com/company/asspario-versicherungsdienst-ag-ig-
• Instagraminstagram.com/asspario
• TikToktiktok.com/@asspario

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 asspario Versicherungsdienst