Fritz & Fritz Gmbh

What Fritz & Fritz Gmbh does

Fritz & Fritz GmbH is a family-run German insurance brokerage (Versicherungsmakler under §34d GewO) founded in 1993 and headquartered in Margetshöchheim near Würzburg. The firm specializes exclusively in risk and insurance solutions for the hotel and hospitality sector, with adjacent coverage of gastronomy and discotheque operations. Its portfolio centers on a proprietary All-Risk hotel insurance product co-developed with Nürnberger Allgemeine Versicherung, complemented by Betriebshaftpflicht, legal protection with criminal defense for management, Fritz & Fritz Cyber-Schutz, and event insurance. The firm also provides Sachwertgutachten (property valuations), Vertragsmanagement, Schadenmanagement, and Brandschutzberatung, and operates TÜV Nord and TÜV Süd integrations for electrical safety inspections.

The business is relationship-driven and field-sales-led, with a small team (~10–15) led by managing directors Alexander Fritz and Michael Fritz. Revenue is generated primarily through commissions embedded in client insurance premiums paid by carriers, supplemented by fees for expert assessments and consulting services. Distribution relies on direct sales, an inside-sales channel (phone, email, WhatsApp), and referral partnerships with DEHOGA, Hogast, and hotel chains including Ringhotels, Akzent Hotels, Flair Hotels, gut Hotels, and Familotel. The technology stack is conventional: a WordPress website on Strato, Google Analytics, CleverReach for newsletters, and a WhatsApp-based digital assistant for customer queries. Operationally, the firm managed 18,992 active contracts and 1,827 claims in 2023, conducted 402 on-site customer visits, and added 44 hotels to its All-Risk book. It is recognized through TopHotel Star Awards (2014 Silber; 2024 Problemlösung) and operates a wholly-owned subsidiary, Fritz & Fritz Risikoberatung UG, for risk consulting services.

Name

Fritz & Fritz Gmbh

Legal name

FRITZ & FRITZ GmbH

Website

https://fritzufritz.de

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

11–50 employees

Short description

Fritz & Fritz GmbH is a family-run German insurance broker and expert witness specializing in risk management and all-risk insurance solutions for hotels, gastronomy, and discotheques across Germany.

Ownership category

akta.pro rank

NAICS

Insurance Agencies and Brokerages (524210), 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 industries

Restaurants, Bars & Food Service BOP (FSAJAFAG), Franchised/Chain Motels (THAGAFAM)

Keywords

• Commercial insurance brokerage
• Hospitality risk management
• Hotel insurance solutions
• Specialty insurance broker
• Expert insurance assessment

Headquarters

HQ city

Margetshöchheim

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel

Revenue model

1. Insurance Brokerage Commissions: As a licensed insurance broker (Versicherungsmakler) under §34d GewO, Fritz & Fritz earns commissions (Courtage) embedded in insurance premiums paid by clients. These commissions are paid by the respective insurance companies. The company also earns fees for expert assessments (Gutachten), contract management, damage management, and consulting services. Vergütung erfolgt als in der Versicherungsprämie enthaltene Courtage, die vom jeweiligen Versicherungsunternehmen ausgezahlt wird, oder als konkret vereinbarte Zahlung durch den Kunden, oder als Kombination aus beidem.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels11 records

Core offering

Fritz & Fritz GmbH is a Versicherungsmakler (insurance broker) and Sachverständigenbüro (expert witness firm) specializing in insurance and risk solutions for hotels, gastronomy businesses, and discotheques. The firm places bespoke hospitality-specific policies (notably a proprietary All-Risk hotel product, liability, legal protection, cyber and event coverages) and complements brokerage with property valuations, contract reviews, claims management, and fire-protection consulting.

Product overview

Fritz & Fritz GmbH is a specialized insurance broker (Versicherungsmakler) and expert witness (Sachverständige) providing tailored insurance solutions for the hospitality industry, including hotels and restaurants. The company operates a modular product portfolio centered on two flagship all-risk insurance products (Hotelversicherung All-Risk and Gastronomie All-Risk) that serve as the comprehensive core offerings. These are complemented by specialized liability coverage (Betriebshaftpflicht), legal protection solutions (Rechtsschutz und Spezial-Straf-Rechtsschutz), and cyber insurance (Fritz & Fritz Cyber-Schutz). The product suite is supported by value-added services including Sachwertgutachten (property valuation), Vertragsmanagement (contract management), Schadenmanagement (claims management), and Brandschutzberatung (fire protection consulting), plus a TÜV partnership for electrical safety inspections (E-Check). A WhatsApp-based digital assistant provides ongoing customer support for insurance inquiries and damage reporting. The company also offers event insurance for discotheques and inkasso legal protection for receivables management.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Over 900 hotels in Germany trust Fritz & Fritz's All-Risk insurance (2024)
• +4 more outcomes

Named customers14 records

Segments3 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

15 partnerships are on record, tiered core and minor.

• DEHOGA (Deutscher Hotel- und Gaststättenverband)coreStrategic or Co-development PartnerFritz & Fritz is a recognized Kompetenzpartner (competence partner) of DEHOGA, Germany's leading hotel and restaurant association. This partnership provides Fritz & Fritz with industry credibility, referral access to DEHOGA members, and a platform for thought leadership in hospitality insurance.
• HogastcoreGTM or Marketing PartnerHogast is a leading purchasing cooperative for hotels and gastronomy in Germany with around 700 member operations in Bavaria and neighboring states. Fritz & Fritz is a partner providing insurance solutions to Hogast members.
• RinghotelsminorGTM or Marketing PartnerFritz & Fritz is listed as a partner provider for Ringhotels, a German hotel chain with member properties across the country.
• Akzent HotelsminorGTM or Marketing PartnerFritz & Fritz is a partner provider for Akzent Hotels, a German hotel association.
• Flair HotelsminorGTM or Marketing PartnerFritz & Fritz is a partner provider for Flair Hotels, a quality hotel association in Germany.
• gut HotelsminorGTM or Marketing PartnerFritz & Fritz is listed as a partner for gut Hotels, a German independent hotel brand.
• FamilotelminorGTM or Marketing PartnerFritz & Fritz is a partner provider for Familotel, a German family hotel brand.
• TÜV NordcoreImplementation/ SI/ Consulting PartnerFritz & Fritz partners with TÜV Nord for electrical equipment inspections (E-Check) in hotels, allowing Fritz & Fritz customers to fulfill their inspection obligations (DGUV V3, VdS) through a coordinated process.
• TÜV SüdcoreImplementation/ SI/ Consulting PartnerFritz & Fritz partners with TÜV Süd for electrical equipment inspections (E-Check) in hotels. TÜV Süd conducts DGUV and VdS compliance checks, and Fritz & Fritz coordinates these services for their customer base.
• Nürnberger Allgemeine Versicherung (Nürnberger)coreStrategic or Co-development PartnerThe Nürnberger Allgemeine Versicherung is Fritz & Fritz's primary insurance partner for their award-winning All-Risk insurance product. Fritz & Fritz has negotiated annual improvements to the All-Risk policy with Nürnberger, benefiting all Fritz & Fritz customers automatically.
• ERGO Versicherung AGcoreStrategic or Co-development PartnerERGO Versicherung AG provides the professional liability insurance (Vermögensschadens-Haftpflichtversicherung) for Fritz & Fritz, with coverage of €5 million.
• Auxilia Rechtsschutz-Versicherungs-AGcoreStrategic or Co-development PartnerAuxilia is Fritz & Fritz's partner for legal protection insurance (Rechtsschutzversicherung). Fritz & Fritz offers exclusive special conditions for hospitality businesses through Auxilia. Auxilia was rated as overall test winner by Deutsche Gesellschaft für Verbraucherstudien (DtGV).
• Kanzlei Michaelis Rechtsanwälte (MAKLER-PROTEKT)minorImplementation/ SI/ Consulting PartnerKanzlei Michaelis provides legal counsel and advice for Fritz & Fritz. They handle complaints and cease-and-desist matters related to the Fritz & Fritz website and provide a complaint form (Beschwerdeformular) for customers.
• purventusminorStrategic or Co-development Partnerpurventus is a partner providing UV air purification systems for commercial kitchens and gastronomy. Their UV filter systems clean exhaust air from grease and oil. Fritz & Fritz offers these systems as part of their risk management solutions.
• A-TRONminorStrategic or Co-development PartnerA-TRON is a German manufacturer of combined heat and power plants (BHKW/Blockheizkraftwerke). Fritz & Fritz partnered with A-TRON to offer hotels complete planning, installation, financing, and insurance for BHKW systems.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Helmsauer & Partner: Helmsauer & Partner is an independent German insurance broker and risk consultant serving healthcare, hospitality, and commercial clients. Comparable to Fritz & Fritz as a German specialty broker offering risk management services, with overlap in hospitality-adjacent segments but broader geographic and vertical scope.
• Aon Germany: Aon is a global insurance brokerage and advisory firm with a substantial German presence serving large corporate and hospitality clients. It is comparable to Fritz & Fritz as a risk advisory and insurance intermediary, but competes from a broad incumbent position rather than a hospitality niche.
• Funk GmbH: Funk is one of Germany's largest independent insurance brokers and risk consultants, serving industrial, healthcare, and hospitality clients. Comparable to Fritz & Fritz as a German insurance brokerage with risk advisory services, but operating at much larger scale and across multiple verticals rather than focusing exclusively on hospitality.
• Willis Towers Watson Germany: Willis Towers Watson (WTW) is a global advisory and brokerage firm with a German presence covering risk, insurance, and benefits. Comparable to Fritz & Fritz as an insurance intermediary and risk consultant, though WTW serves large enterprise clients across many verticals rather than focusing on German mid-market hotels.
• Marsh Germany: Marsh is a global insurance broker and risk advisor with a German business serving commercial and specialty clients. Comparable to Fritz & Fritz in offering brokerage and risk consulting services, but operating as a large incumbent across industries rather than specializing in hotels and nightclubs.
• MRH Trowe: MRH Trowe is an independent German insurance broker and risk advisor serving mid-market and corporate clients across industries. It is comparable to Fritz & Fritz as a German insurance brokerage offering specialty coverage and consulting, though MRH Trowe is broader in scope and larger in scale.

Direct peers

• Ecclesia Gruppe: Ecclesia Gruppe is a major German insurance broker and risk manager with strong focus on healthcare and adjacent service sectors including hospitality. It is comparable to Fritz & Fritz as a German specialty insurance intermediary combining brokerage with risk consulting, though it is broader in scope and considerably larger.
• Jöhnke & Partner: Jöhnke & Partner is a German independent insurance broker with focus on specialty and commercial lines for mid-market clients. Comparable to Fritz & Fritz as a smaller German specialty broker combining placement with risk advisory, though it does not focus exclusively on the hotel sector.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCizZXgpw-5Tq6vsw6Um6pnw
• Facebookfacebook.com/profile.php?id=100090392546755
• LinkedInlinkedin.com/company/fritz-fritz-gmbh
• Instagraminstagram.com/fritzufritz

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

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 Fritz & Fritz Gmbh