Wischhusen Insurance

What Wischhusen Insurance does

Wischhusen Claimsmanagement GmbH is a Hannover-based, founder-owned German insurance broker (Versicherungsmakler) and digital claims manager founded in 2018. The firm serves German real estate and construction companies — primarily housing associations, property managers, project developers, REITs, family offices, and PropTechs managing 500+ residential units or equivalent commercial space — combining regulated insurance brokerage with operational claims coordination.

The core product is the Wischhusen+ cloud platform, a central hub for digital claims management and insurance administration. It features automated invoice processing (email ingestion, dataset transformation, validation), collaborative task management with deadline tracking, digital damage files, the Insurelytics BI module, and an open bidirectional JSON REST-API. The platform integrates with 50+ German insurers (Allianz, AXA, ERGO, HDI, VHV, Zurich, Baloise, Chubb, Hiscox, Markel, etc.) and major property management software (SAP, Casavi, Facilioo, Domus, Aareon via various connector partners). Complementary products include the Wischhusen mobile app (24/7 self-service), a climate risk and vulnerability analysis module aligned with EU Taxonomy, automated building valuation across 51M+ German building records using NHK 2010/1914 and VdS methods, and an "Insurance as a Platform" offering with exclusive broker wordings via a specialist carrier network.

Wischhusen operates a sales-led B2B GTM with no consumer self-serve motion. Distribution combines direct enterprise sales (free 30-minute Calendly consultation, three-step onboarding), a structured referral/partner program, and industry association memberships (VNW, BFW). The entire services stack — software, claims coordination, mobile app — is provided at no direct fee to the customer; revenue is generated entirely from broker commissions (Courtage) embedded in insurance premiums, with annually constant commission and a terminable-without-notice broker contract. As of available data, 100+ real estate and construction companies and 130,000+ residential units are under management, with 2,100+ claims completed since inception.

Name

Wischhusen Insurance

Legal name

Wischhusen Claimsmanagement GmbH

Website

https://wischhusen.de

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Wischhusen Claimsmanagement is a Hannover-based German insurance broker and digital claims manager, founded 2018, serving real estate and construction firms with a cloud platform (Wischhusen+) for claims coordination, insurance portfolio management, and ESG/climate risk analysis, funded via broker commissions across 130,000+ residential units.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210), Claims Adjusting (524291)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

akta.pro secondary industry

Claims Management & Digital FNOL Platforms (FSAGAGAC)

Keywords

• Insurance brokerage services
• Digital claims management
• Property insurance solutions
• Claims coordination platform
• Insurance portfolio management

Headquarters

HQ city

Hanover

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Wischhusen operates as an independent insurance broker (Versicherungsmakler) registered with IHK Hannover. Revenue is generated through commissions (courtage) embedded in insurance premiums, collected directly from insurers. No additional fees or honoraria are charged to customers. The broker contract is terminable without notice, reflecting confidence in retaining clients through service quality rather than contractual lock-in.
2. Claims Management Services (Bundled): Claims management coordination services (damage coordination, digital platform, invoice reconciliation) are provided at no additional cost to customers, as the service is covered by the brokerage commissions embedded in insurance contracts. This creates a land-and-expand dynamic where the platform retains clients by making them dependent on the integrated workflow.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Wischhusen provides digital claims management and independent insurance brokerage services for real estate and construction companies in Germany. Its offering combines the proprietary Wischhusen+ cloud platform (with open JSON REST-API), the Wischhusen App, and Insurelytics analytics to coordinate damage reporting, insurer/contractor/tenant workflows, digital damage files, insurance portfolio valuation, climate risk analyses, and proactive portfolio optimization. All services are funded through brokerage commissions embedded in insurance premiums, with no additional fees charged to customers.

Product overview

Wischhusen offers a unified digital claims and insurance management ecosystem consisting of the Wischhusen+ platform as the central hub, the Wischhusen App for mobile access, Insurance as a Platform for specialized insurance products, Schadenmanagement for damage coordination services, and Versicherungsmanagement for portfolio oversight. Supporting modules include Insurelytics (insurance analytics), Rechnungsprüfung (automated invoice processing), Klimarisiko- und Vulnerabilitätsanalyse (climate risk analysis), ESG Versicherungskompass (sustainability guidance), and Social Workplace (employee benefits). The platform is built on an open JSON REST-API enabling integrations with property management software and insurance providers.

Differentiator

Problem solved

Functional benefit

Brands

• Wischhusen+: Digital claims management platform enabling damage reporting, coordination of service providers, insurers, and property managers, with API interfaces for integration.

Products and services

• Wischhusen+ Digital Platform Central digital claims and insurance management platform providing portfolio overview, insurance documentation, damage coordination, automated invoice processing, task management, business intelligence via Insurelytics, and API integration with insurers and property management software. Targeted at German real estate and construction companies.
• Wischhusen App Mobile application providing 24/7 access to insurance portfolios, damage management, and a collaborative workspace for property management companies.
• Insurance as a Platform Specialist insurance distribution model offering tailored construction and real estate insurance products, including exclusive broker wordings (Maklerwordings) and framework agreements (Rahmenverträge) accessible through Wischhusen's specialist partner network.
• Schadenmanagement (Claims Management) End-to-end claims management service covering damage reporting, coordination of service providers, insurers, appraisers and tenants, digital damage files, transparent processing, and liquidity-preserving direct invoicing between insurers and service providers.
• Versicherungsmanagement (Insurance Management) Insurance portfolio management offering proactive risk management per DIN EN ISO 31000, insurance due diligence, all-risk coverage, automated property valuation against official building data, sustainable operating-cost optimization, and regular automated optimization intervals.
• Klimarisiko- und Vulnerabilitätsanalyse (Climate Risk & Vulnerability Analysis) Climate risk and vulnerability analysis aligned with EU Taxonomy Regulation, delivering portfolio or individual property analyses, sustainability report reporting services, and adaptation recommendations.
• Insurelytics Business intelligence and analytics module that provides statistics and visualizations on damages, invoices, payouts and damage categories, filterable by time period and portfolio.
• Rechnungsprüfung (Automated Invoice Processing) Automated invoice processing service that reads incoming invoices from designated email inboxes, transforms them into structured datasets, and performs verification checks before forwarding for approval.
• ESG Versicherungskompass Advisory guide that demonstrates how insurance can effectively contribute to sustainable corporate governance, supporting ESG-aligned risk management for real estate companies.
• Social Workplace Benefit concepts and holistic Total Rewards compensation systems designed to support sustainable employee recruitment and retention, offered through the Wischhusen ecosystem.

Quantifiable outcome

• Up to 8 hours of time capacity saved per work week through digitization and smart sourcing of claims management.
• +4 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration22 records

AI capability2 records

Feature7 records

Partnerships

Nine partnerships are on record, tiered minor and core.

• Social Workplace GmbHminorOthersSocial Workplace GmbH is identified as the entity responsible for website data processing per the privacy policy. It shares the same address and key personnel (Jakob Wischhusen) as Wischhusen, suggesting an affiliated operational entity rather than a strategic partnership.
• VNW (Verband norddeutscher Wohnungsunternehmen)minorOthersVNW (Wohnungswirtschaft Norddeutschland) is a housing association shown in the logo/partner section. Wischhusen is likely a member or service provider recognized by this regional housing association, signaling credibility in the northern German housing sector.
• BFW Landesverband Niedersachsen/BremenminorOthersBFW (Landesverband Freier Immobilienunternehmen) Niedersachsen/Bremen is shown as a partner/customer logo. Wischhusen appears to be recognized by or affiliated with this regional real estate association.
• Habitat for HumanityminorOthersCharitable partner to which Wischhusen donates when customers choose charitable donation as referral reward. This is a philanthropic/social partnership rather than commercial.
• DGNB (Deutsche Gesellschaft für Nachhaltiges Bauen)minorOthersDGNB membership signals Wischhusen's commitment to sustainable building practices and ESG criteria. The partnership supports Wischhusen's climate risk analysis and ESG reporting capabilities.
• ConcularminorOthersConcular is listed among memberships and engagements. Concular provides digital solutions for the construction and real estate industry, potentially supporting Wischhusen's sustainability and digitalization services.
• Asphalt MagazinminorOthersWischhusen permanently supports the social street magazine Asphalt, which raises awareness about housing hardship and helps people reintegrate into society. Wischhusen provides pro bono mandates and annual donations — a social impact partnership.
• Insurance Insurer Network (50+ insurers)coreTechnology or IntegrationWischhusen's platform integrates with over 50 German insurers including AIG, Allianz, AXA, ERGO, Generali, Gothaer, HDI, R+V, Signal Iduna, VHV, Zurich, Chubb, Hiscox, and Markel. These integrations enable automated data exchange, policy management, and claims processing through the Wischhusen+ platform.
• Property Management Software Integrations (SAP, Casavi, Facilioo, Domus, Adam Riese, Aareon)coreTechnology or IntegrationWischhusen has established API integrations with major property management software platforms including SAP (ERP), Casavi (property management), Facilioo, Domus, Adam Riese, Aareon (via Impower, WOWIPORT, iX-Haus, Powerhaus, homevoice). These bidirectional integrations allow Wischhusen to synchronize insurance and claims data with customers' existing digital ecosystems.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Marsh (Marsh McLennan): Global insurance broker and risk advisor with a sizable German real estate and construction practice. Overlaps with Wischhusen on commercial real estate, project, and corporate insurance brokerage but operates at vastly greater scale and breadth.
• Aon Germany: Global insurance and reinsurance broker with German operations covering commercial property, construction, and risk management. Broad incumbent competing for the same real estate / construction accounts Wischhusen serves, though with a much larger portfolio of services.
• Allianz Versicherung: Largest German insurance carrier with embedded agency and broker service functions. Comparable as both a carrier integrated into Wischhusen's 50+ insurer network and a competitor that could build or acquire competing digital claims capabilities.

Direct peers

• MRH Trowe: Independent German insurance broker with strong real estate and construction practice, including specialized wordings and risk management services. Directly comparable in combining brokerage, claims support, and industry-specific expertise for property clients.
• CLARK: German digital insurance broker using a similar tech-enabled brokerage model targeting under-served customer segments. Comparable as a B2B/B2C insurtech broker leveraging proprietary software and multiple carrier integrations to deliver a managed insurance experience.
• ELEMENT Insurance: Germany-based insurance-as-a-platform provider building digital insurance products on top of licensed carrier capacity. Comparable in operating a technology-led intermediary model and serving distribution partners via API infrastructure.
• Funk Gruppe: Germany's largest independent insurance broker and risk consultant with deep specialization in real estate, construction, and corporate clients. Most comparable independent brokerage peer to Wischhusen in target verticals (Wohnungswirtschaft, commercial property, construction projects).
• Wefox: European digital insurance broker operating across DACH with proprietary technology stack and licensed broker entities. Comparable as a tech-led broker using software and integrations to deliver a differentiated customer experience versus traditional brokers.
• Getsafe (formerly Hippocrates): German digital insurance broker with proprietary platform and licensed broker status. Comparable in combining regulated insurance brokerage (registered under §34d GewO) with a digital product layer for streamlined policy administration.

Emerging players

• Sedgwick Germany: Independent global claims management and loss adjusting firm with operations in Germany. Comparable as a third-party claims coordinator connecting insurers, policyholders, and service providers - directly adjacent to Wischhusen's Schadenmanagement offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Customer concentration

• Xfacebook.com/wischhusendigital
• LinkedInlinkedin.com/company/wischhusen-digitales-versicherungsmanagement
• Instagraminstagram.com/wischhusendigital

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Wischhusen Insurance