Kaiser & Schmedding

What Kaiser & Schmedding does

Kaiser & Schmedding GmbH is an independent international insurance broker (Versicherungsmakler) headquartered in Münster, Germany, founded in 1967 under the name Silkenbäumer and renamed following a 2002 management buyout by Thomas Schmedding and the late Peter J. Kaiser. The firm serves medium-sized industrial and commercial clients, with deep specialization in five verticals: furniture retail (via Möbel-MultiCover), mineral oil trade (via Brest-o-mil), marine/yacht (KS MarineCover), cranes and work platforms (K&S Kran+Bühne Spezial), and SME cyber risk (KS CyberCover, launched 2019 in cooperation with CyberDirekt). Its core technology consists of proprietary insurance concepts and bespoke contract wording refined over five decades of claims experience, rather than software platforms; the firm is independently owned, with no equity in insurance providers, and earns revenue through standard insurance broker commissions rather than direct client fees.

The business operates a sales-led go-to-market model with dedicated account managers and field representatives serving named accounts across Germany and parts of neighboring countries. The portfolio is anchored by long-tenured client relationships in furniture retail (e.g., Möbel Jaeger Oberdorla, Möbelhaus Schwaab, Möbelhaus Strohmeier) and mineral oil, supplemented by KS Consult and the DiM (Dienstleister im Möbelmarkt) service-provider network. Supporting services include GlücksMarketing promotional campaigns and regional coverage via Münsterland-Police. The firm has approximately 21 employees organized into specialized insurance divisions (property, liability/legal protection/D&O/cyber, motor, transport/technical, personal insurance) plus shared services (IT, accounting, reception). Strategic partnerships include CyberDirekt (cyber insurance platform), D.A.S. (exclusive legal protection concept for furniture retail), and TÜV-Süd (IT security assessments for cyber insurance clients). The company has been regularly nominated for the Großer Preis des Mittelstandes since 2012 and is registered with IHK Nord-Westfalen under EU insurance intermediary directive.

Name

Kaiser & Schmedding

Legal name

Kaiser & Schmedding GmbH

Website

https://kaiser-schmedding.de

Company type

Private

Founded year

1967

Operating status

Operating

Headcount range

1–10 employees

Short description

Kaiser & Schmedding is an independent German insurance broker specializing in niche verticals — furniture retail, mineral oil trade, marine/yacht, cranes, and SME cyber — serving medium-sized industrial and commercial clients with proprietary coverage concepts refined over 50+ years.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

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)

akta.pro secondary industry

Business Interruption & Insurance Claim Valuation (FSAEAHAM)

Keywords

• Commercial insurance brokerage
• Industrial risk management
• Specialty insurance concepts
• Cyber insurance SME
• Marine insurance broker

Headquarters

HQ city

Münster

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Broker Commission: Company operates as an independent insurance broker. No separate fee is charged to clients. The broker receives commissions from insurance companies for placing business. This is standard practice for insurance brokers in Germany.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Kaiser & Schmedding is an independent international insurance broker for medium-sized industrial and commercial clients in Germany. The firm develops and distributes proprietary industry-specific insurance concepts — Möbel-MultiCover (furniture retail), brest-o-mil (mineral oil trade), K&S Kran+Bühne Spezial (cranes/work platforms), K&S MarineCover (yachts), and KS CyberCover (SME cyber) — built from 50+ years of claims handling experience. Revenue is generated through commissions received from insurance carriers on placed business; no separate fee is charged to clients.

Product overview

Kaiser & Schmedding is an independent international insurance broker serving industry and trade, offering a portfolio of specialized insurance products and concepts. The portfolio consists of industry-specific brands (MöbelMakler for furniture retail, Brest-o-mil for mineral oil/energy traders, K&S MarineCover for yachts, K&S Kran+Bühne Spezial for work equipment) combined with specialty products like KS CyberCover for cyber protection. Supporting services include KS Consult/GlücksMarketing for promotional campaigns and a Münsterland-Police for regional coverage. The company positions itself as a market leader in several specialized branches through bespoke coverage concepts developed from decades of claims experience.

Differentiator

Problem solved

Functional benefit

Brands

• MöbelMakler / Der MöbelMakler: Specialized insurance concept for the furniture retail industry, including the MultiCover insurance product and legal protection special concept negotiated with D.A.S.
• brest-o-mil
• KS MarineCover
• K&S Kran+Bühne Spezial
• KS CyberCover
• KS Consult / GlücksMarketing
• Münsterland-Police

Products and services

• MöbelMakler / Möbel-MultiCover Specialized insurance concept for furniture retailers and the furniture industry, offering comprehensive coverage including property, liability, and business interruption protection with a general waiver of underinsurance, plus an exclusive legal protection concept with debt collection developed in cooperation with D.A.S.
• Brest-o-mil Unique insurance policy for mineral oil dealers, gas stations, and energy traders, covering environmental liability and own-property damage (including tank overfill and decontamination costs) on business premises.
• K&S Kran+Bühne Spezial Insurance for mobile and transportable work equipment including cranes, work platforms, and machines, designed for renters, users, manufacturers and traders. Includes rental park coverage and transport insurance.
• K&S MarineCover Comprehensive yacht insurance for motor and sailing yachts covering hull insurance, liability, accident, and legal protection with exclusive additional coverage options including personal belongings and 24/7 assistance services.
• KS CyberCover Cyber insurance providing protection against cyber damage for small and medium-sized companies, covering first-party damage, third-party liability, business interruption, and 24/7 emergency response. Developed in cooperation with CyberDirekt, with TÜV-Süd IT security assessments integrated.
• Münsterland-Police Regional insurance product serving as the largest regional broker at the company's headquarters in the Münsterland area, targeting regional SMEs and mid-market firms.
• KS Consult / GlücksMarketing Consulting and marketing services from subsidiary KS Consult, offering promotional campaigns, lottery games, loyalty programs, weather-betting promotions and marketing actions with insurance-based win guarantees for retail customer engagement.

Quantifiable outcome

• Full compensation of 40,000 EUR for overfill damage including decontamination costs through Brest-o-mil policy
• +2 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Six partnerships are on record, tiered core and minor.

• CyberDirektcoreStrategic or Co-development Partner · 1 January 2019Cooperation partner for KS CyberCover product. CyberDirekt provides market transparency platform for cyber insurance products. Kaiser & Schmedding leverages this partnership to offer comprehensive cyber coverage with additional benefits exclusive to their clients. Partnership enables full market transparency for cyber insurance products.
• sunshine4kids e.V.minorOthers · 1 January 2017Non-profit organization supporting children and youth in difficult life situations through free sailing activities, projects and events. Kaiser & Schmedding sponsors the organization and donates 10 EUR per MarineCover policy to the charity. Partnership at boot Düsseldorf trade fair for promotional activities.
• Messe DüsseldorfminorGTM or Marketing PartnerPartnership for presence at boot Düsseldorf trade fair (international boat and water sports exhibition). Sunshine4kids e.V. booth in Hall 14 at the trade fair.
• D.A.S. (Deutsche Automobil Schutz)coreStrategic or Co-development PartnerExclusive legal protection insurance concept developed for furniture retail sector with D.A.S., Europe's largest legal protection insurer. First concept of its kind for the furniture industry that covers legal disputes, legal costs, and includes debt collection management.
• Euromovers GruppeminorOthersEuropean moving companies network. Geuer International, a customer of Kaiser & Schmedding, is a member of this organization.
• IHK Nord-Westfalen (Chamber of Industry and Commerce)minorOthersRegistration with IHK Nord-Westfalen as required under EU insurance intermediary directive. Registration number D-DBTU-NXF2Z-60.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• MRH Trowe Group: German independent insurance broker focused on mid-market industrial and commercial clients with specialist teams by industry (real estate, energy, retail). Comparable mid-sized independent broker competing for the same Mittelstadt clientele.
• Helmsauer Group: Independent German insurance broker with strong regional focus (Cologne area) and industry specialization across healthcare, trade, and industry clients. Comparable owner-managed independent broker with vertical expertise.
• Gossler, Gobert & Wolters Group (GGW): Independent German insurance broker serving medium-sized enterprises across multiple sectors with bespoke coverage concepts. Closely comparable in size, ownership structure, and Mittelstand client focus.
• Ecclesia Group: Independent German insurance broker specialized by vertical (healthcare, care, churches, public sector). Closest structural peer in being an independent Versicherungsmakler that develops proprietary industry-specific coverage for niche German markets.
• Diekmann & Thoma Versicherungsmakler: Mid-sized independent German insurance broker focused on commercial and industrial clients with proprietary specialty coverage. Comparable in operating model and Mittelstand orientation.

Broad incumbents

• Marsh Germany: Global broker with full German presence focused on risk management and insurance for commercial and industrial clients. Sets the upper-end competitive benchmark against which Kaiser & Schmedding's specialist model must differentiate.
• Aon Germany: Global broker with substantial German operations serving industrial and commercial clients. Provides scale benchmark for commission-based independent brokerage in Germany and competes for the same Mittelstand accounts.
• Funk Gruppe: Largest independent insurance broker in Germany, headquartered in Hamburg; serves industrial and commercial Mittelstand clients with consulting and bespoke coverage concepts. Most direct larger-scale comparison to Kaiser & Schmedding's owner-managed, industry-focused independent broker model.

Emerging players

• CyberDirekt: German InsurTech / digital broker specializing in cyber insurance comparison and placement. Existing cooperation partner for KS CyberCover and a structural disruptor to traditional specialty brokers in the cyber line.
• Riskpoint Insurance Brokers: Independent German broker with a niche focus on industrial and commercial specialty risks including aviation, marine, and environmental liability. Comparable scale and independent-vertical positioning.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries2 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 Kaiser & Schmedding