Hiscox Deutschland
Hiscox Deutschland is the German specialty insurance branch of FTSE 100-listed Hiscox Group, offering digital-first professional liability, cyber, D&O, and niche personal lines (classic cars, vacation homes) to freelancers, SMBs and high-net-worth customers via direct, broker, and embedded channels.
- Company typePublic
- Founded1901
- HeadquartersMünchen, Germany
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Hiscox Deutschland does
Hiscox Deutschland is the German branch of Hiscox SA, a Luxembourg-headquartered specialty insurer whose parent Hiscox Group is listed on the London Stock Exchange as a FTSE 100 constituent with an A.M. Best A (Excellent) financial strength rating. Operating in Germany for over 30 years and based in Munich with regional branches in Frankfurt, Cologne and Austria, the company provides specialty insurance products to freelancers, small and medium-sized businesses, online sellers, clubs and associations, and private high-net-worth customers with assets such as classic cars, art and vacation properties. Its product portfolio spans professional liability (Berufshaftpflicht), commercial general liability, cyber insurance (CyberClear / CyberClear Plus), D&O, IT liability, online shop insurance, engineer and beauty-sector specialty covers, and personal lines such as classic car and holiday home insurance distributed under the Mundial and Hiscox Classic Cars sub-brands.
The business operates a digital-first distribution model built on a proprietary online quoting and policy issuance platform that delivers instant insurance certificates and quote-to-policy completion in minutes, supplemented by a dedicated broker portal (makler.hiscox.de), embedded insurance partnerships with freelance.de and moojo, and an affiliate program. Underwriting spans 300+ professional groups and the company was the first insurer in Germany to offer cyber protection. Customer-facing technology assets include the Hiscox Business Academy (e-learning, GDPR templates, webinars on AI and law), the Hiscox Premium Lounge for customer engagement, and a mobile app, while an AI capability layer covers AI-related liability risk within professional and IT liability policies and supports content generation in the Academy. Hiscox Deutschland does not operate a proprietary AI/ML stack or data flywheel; AI is positioned as a coverage dimension and customer enablement tool rather than a core underwriting engine.
Hiscox Deutschland generates revenue primarily through insurance premiums on annual, monthly or pay-as-you-go subscription policies, with pricing structured around coverage tier, deductible, location and risk profile, and discounts stacking up to 30% for founders (15% founder discount, 5% bundle, 10% loyalty, 4% annual payment). Entry-tier annual premiums begin at approximately €100 for Youngtimer partial coverage and €200 for basic vacation property contents insurance, scaling up to all-risk and higher-sum-insured packages. Distribution combines self-serve PLG via hiscox.de, broker-led mid-market sales, embedded channel partnerships, and white-label and affiliate arrangements. Customer satisfaction is reported at 95% with claims service rated 4.7 out of 5 stars in Hiscox's 2023 survey.
Hiscox Deutschland firmographics
Firmographics- Name
- Hiscox Deutschland
- Legal name
- Hiscox SA
- Website
- https://hiscox.de
- Company type
- Public
- Founded year
- 1901
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Hiscox Deutschland is the German specialty insurance branch of FTSE 100-listed Hiscox Group, offering digital-first professional liability, cyber, D&O, and niche personal lines (classic cars, vacation homes) to freelancers, SMBs and high-net-worth customers via direct, broker, and embedded channels.
- Ownership category
- akta.pro rank
Hiscox Deutschland industry classification
Industry- Product category
- Specialty Insurance
- NAICS
- Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers (5241)
- SIC
- Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- High Net Worth Personal Lines (E&S) (FSAJAGAO)
Keywords
Where Hiscox Deutschland is headquartered
LocationHeadquarters
- HQ city
- München
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Hiscox Deutschland business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Insurance Premiums: Hiscox generates revenue through insurance premiums from policyholders. The company offers specialized insurance products for professional liability, cyber, property (classic cars, vacation homes), and business coverage. Premiums are collected on annual, monthly, or pay-as-you-go basis depending on product type.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Ferienhausversicherung (Vacation Property Insurance) - Hausrat module starting rate |
| Subscription | Annual | Youngtimer Insurance - Part kasko (Partial Coverage) |
| Subscription | Annual | Youngtimer Insurance - Full kasko (Full Coverage) |
| Subscription | Annual | Youngtimer Insurance - All-risk coverage (Allgefahren) |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels7 records
Hiscox Deutschland product offering
Product offeringCore offering
Hiscox Deutschland is a specialty insurance provider underwriting tailored policies for freelancers, small and medium businesses, and private clients with high-value assets. Core product lines include professional liability (Berufshaftpflicht), business liability, cyber insurance (CyberClear / CyberClear Plus), D&O, contents, online shop, vacation home (Ferienhaus), and classic/youngtimer car insurance. Distribution combines a fully digital direct channel, a broker portal with regional branches, and embedded insurance partnerships.
Differentiator
Problem solved
Functional benefit
Brands
- Hiscox Business Academy: Knowledge platform offering webinars, templates, and training for business customers
- Hiscox Classic Cars
- Mundial by Hiscox
- Hiscox Premium Lounge
- CyberClear
Products and services
- Berufshaftpflichtversicherung (Professional Liability Insurance) Professional liability cover for freelancers and self-employed professionals across 300+ occupations; covers claims arising from professional errors and includes automatic AI risk co-insurance.
- CyberClear (Cyber Insurance) Cyber insurance for businesses including prevention, crisis response by experts, and a flat-rate solution for smaller businesses.
- CyberClear Plus by Hiscox Cyber insurance for small businesses bundled with Norton Small Business Premium, featuring fewer risk questions, fully digital purchase, preventive services and no deductible on claims.
- D&O-Haftpflichtversicherung (Directors & Officers Liability) Personal D&O cover for managers and directors of businesses of all sizes, with simplified application and unique retirement coverage.
- Inhaltsversicherung (Business Contents Insurance) Insurance for business electronics, office equipment and contents against damage and loss.
- Onlineshop-Versicherung (Online Shop Insurance) Specialty insurance for e-commerce merchants covering product liability, export risks, trademark infringement, and Amazon-compliant certificates issued directly on purchase.
- Ferienhausversicherung (Vacation Property Insurance / Mundial) Specialty insurance for vacation and holiday homes across Europe, with German-law coverage and content plus building modules.
- Oldtimer- / Youngtimer-Versicherung (Classic Car Insurance) Specialty insurance for classic and youngtimer cars offering partial kasko, full kasko, and all-risk coverage tiers with agreed-value protection.
- IT-Haftpflichtversicherung (IT Liability Insurance) Liability insurance tailored for IT companies and IT freelancers including developers, programmers and service providers, with explicit AI risk coverage.
- Ingenieur-Versicherung (Engineer Insurance) First engineer insurance with a digital application on the German broker market, covering IT services and consulting activities plus an innovative work interruption module.
- Beauty-Unternehmen Spezialversicherung (Beauty Sector Insurance) Specialty insurance for beauty-sector businesses covering product liability, influencer activity and reputational damage from online reviews.
- Compliance-Versicherung Compliance insurance covering financial losses and violations under the German Supply Chain Due Diligence Act (LkSG) and whistleblower protection.
Quantifiable outcome
- 95% customer satisfaction rate in Germany (Hiscox Customer Satisfaction Survey 2023)
- +2 more outcomes
Companies that use Hiscox Deutschland
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles3 records
Hiscox Deutschland technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability5 records
Feature4 records
Hiscox Deutschland partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- freelance.decoreHiscox and freelance.de (leading project platform) launched a partnership focusing on Embedded Insurance in a platform model. Insurance protection is seamlessly integrated into the project process on freelance.de and can be continued directly from the platform when needed.
- Jonas DeichmannminorPartnership with extreme sports athlete and entrepreneur Jonas Deichmann as brand ambassador. Deichmann is a world record holder and extreme sports athlete. The partnership focuses on 'Anders sein' (Being Different) campaign for business customers, highlighting shared values of passion and entrepreneurship.
- moojocorePartnership with Berlin-based startup moojo brings embedded finance for freelancers. Through the partnership and joint platform business model, moojo's offering is supplemented with tailored insurance packages, enabling freelancers to obtain coverage directly via the app.
- classic-analyticsminorCollaboration with classic-analytics for the annual Pocket Price Guide publication, containing over 1,000 current price quotations and expert knowledge on classic cars.
Scale indicators7 records
Recent moves7 records
Expansion highlights5 records
Hiscox Deutschland competitors and assessment
Company assessmentBroad incumbents
- ERGO Group (Munich Re): German primary insurance subsidiary of Munich Re, offering P&C, life, and health. Competes with Hiscox in professional liability and small commercial lines with significant broker reach.
- Zurich Insurance Germany: German arm of Zurich Insurance Group, operating in commercial and specialty lines. Particularly relevant given the new Hiscox Deutschland MD Tim Bethge came from Zurich; direct competitor for mid-market and specialty commercial accounts.
- Allianz Versicherungs-AG: Germany's largest insurance group with broad P&C, life, and health offerings. Overlaps with Hiscox in commercial and professional liability for SMBs, but Allianz is a full-line incumbent rather than a specialty-focused carrier.
- AXA Konzern AG: One of Germany's largest insurers, with strong SMB and commercial presence. Comparable to Hiscox in classes like professional liability and motor/property, but broader product portfolio.
- Chubb Germany (HDI Global Specialty): Global specialty P&C insurer with German operations. Overlaps with Hiscox in cyber, D&O, and professional liability, though operates as a broader global specialty incumbent rather than a Germany-focused SMB specialist.
- HDI Versicherung AG (Talanx): Major German commercial and industrial insurer under Talanx Group. Competes with Hiscox in professional liability and SME commercial lines, but operates as a broad-line incumbent across multiple segments.
Direct peers
- Beazley Germany: UK-based specialty insurer with German operations, particularly strong in cyber, professional liability, and D&O. Directly comparable to Hiscox in specialty commercial lines for SMBs and the broker channel.
- INTER Versicherungsgruppe: German specialty insurer focused on professional liability, medical professions, and commercial lines. Direct competitor for several of Hiscox's core segments including Heilberufe and Freiberufler insurance.
- VHV Versicherungen: German mutual insurer with strong specialization in liability and commercial insurance for trades and SMEs. Closest direct competitor to Hiscox in the German professional liability and SMB commercial insurance segment.
- Markel International (Germany): German arm of Markel, a global specialty insurer with strong professional liability and niche commercial lines. Comparable to Hiscox in specialty focus and SMB/freelancer professional liability offerings.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Hiscox Deutschland social profiles
Digital presenceHiscox Deutschland financial estimates
Financial estimateRevenue estimate
Valuation estimate
Hiscox Deutschland leadership team
Management profileNumber of profiles
Profiles7 records
Hiscox Deutschland subsidiaries and ownership
Company hierarchySubsidiaries5 records
Hiscox Deutschland funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Hiscox Deutschland M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Hiscox Deutschland
What does Hiscox Deutschland do?
Hiscox Deutschland is a specialty insurance provider underwriting tailored policies for freelancers, small and medium businesses, and private clients with high-value assets. Core product lines include professional liability (Berufshaftpflicht), business liability, cyber insurance (CyberClear / CyberClear Plus), D&O, contents, online shop, vacation home (Ferienhaus), and classic/youngtimer car insurance. Distribution combines a fully digital direct channel, a broker portal with regional branches, and embedded insurance partnerships.
Is Hiscox Deutschland a public or private company?
Hiscox Deutschland is a public company. It is classified as public and is currently operating.
When was Hiscox Deutschland founded?
Hiscox Deutschland was founded in 1901. It employs 51 to 100 people.
Where is Hiscox Deutschland based?
Hiscox Deutschland is headquartered in München, Germany, in the Europe region.
How does Hiscox Deutschland make money?
One revenue line is on record: insurance Premiums.
Who are Hiscox Deutschland's main competitors?
Broad incumbents on record are ERGO Group (Munich Re), Zurich Insurance Germany, Allianz Versicherungs-AG, AXA Konzern AG, Chubb Germany (HDI Global Specialty) and HDI Versicherung AG (Talanx). Direct peers are Beazley Germany, INTER Versicherungsgruppe, VHV Versicherungen and Markel International (Germany).
Does Hiscox Deutschland have an API?
No public API is recorded for Hiscox Deutschland.
What industry is Hiscox Deutschland in?
Hiscox Deutschland's product category is Specialty Insurance. Its primary akta.pro industry code is FSAJAGAO, High Net Worth Personal Lines (E&S). Its NAICS code is 52412 and its SIC code is 6399.