VVZ GMBH

What VVZ GMBH does

VVZ GMBH (legal name: Verbraucher-Versicherungsvermittlungs-Zentrum GmbH) is a privately held, family-run insurance brokerage (Versicherungsmakler) headquartered at Markt 17, 59423 Unna, Germany, founded in 1978 and now in its second generation of ownership under Managing Director Hans-Hermann Voß. The firm operates as an independent broker and is a member partner of the nationwide VEMA Versicherungsmakler Genossenschaft eG cooperative, which grants it access to exclusive, cooperatively-negotiated insurance concepts unavailable outside the partner network.

The company's core offering is independent insurance brokerage and risk management advisory across six specialized segments: automotive (Kfz-Versicherung), German civil servants (Beamte), property managers (Hausverwalter), the construction trades (Baugewerbe), career starters (Berufsstarter), and freelancers (Freiberufler). Adjacent services include financial advisory and retirement planning, health and financial security consulting, and property protection. Distribution combines in-person consultation at the Unna office with digital consultation over common online channels (including WhatsApp) and a 24-hour emergency claims reporting service. VVZ also maintains a proprietary partner ecosystem of auto workshops, certified appraisers, sanitation firms, and healthcare providers, plus bulk-customer leasing benefits.

Revenue is generated through insurance broker commissions on policies placed through the VEMA-exclusive product portfolio and standard carrier relationships. Pricing is not publicly disclosed as it depends on individual risk assessment. The go-to-market motion is sales-led and relationship-driven, emphasizing personal advisory, damage claim handling support, and long-tenured customer loyalty rather than self-service or automated channels. The firm operates on a regional basis within Germany with no disclosed headcount, revenue, funding, or M&A activity.

Name

VVZ GMBH

Legal name

Verbraucher-Versicherungsvermittlungs-Zentrum GmbH

Website

https://vvz-gmbh.de

Company type

Private

Founded year

1978

Operating status

Operating

Short description

VVZ GMBH is a second-generation, family-owned independent insurance brokerage founded in 1978 in Unna, Germany, serving private individuals and small businesses across auto, civil servant, property management, construction, career starter, and freelancer segments via a VEMA partner network.

Ownership category

akta.pro rank

Headquarters

HQ city

Unna

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: VVZ operates as a Versicherungsmakler (insurance broker/makler) earning commissions from insurance products sold through their VEMA partnership network. They offer exclusive, competitively priced insurance concepts designed specifically for VEMA partners.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

VVZ GmbH is an independent insurance broker (Versicherungsmakler) that arranges and advises on insurance coverage for private individuals and small/medium professional clients across Germany. Its product portfolio centers on specialty segments — automotive, civil servants, property managers, construction, career starters, and freelancers — delivered through the exclusive VEMA partnership network, supplemented by financial advisory and retirement-planning services and a 24-hour damage-claims service.

Product overview

VVZ GMBH is a family-owned insurance brokerage (Versicherungsmakler) founded in 1978, operating as a VEMA partner network member. The company offers a comprehensive portfolio of insurance products and financial services for both private individuals and business clients. Core products include specialized auto insurance (Kfz-Versicherung) with liability and comprehensive coverage options, and industry-specific insurance for civil servants (Beamte), property managers (Hausverwalter), construction professionals (Baugewerbe), career starters, and freelancers. Service offerings encompass financial advisory and retirement planning (Finanzberatung & Altersvorsorge), health insurance, property protection, and personalized consultation services including digital advisory options and 24-hour claims support. The company differentiates through individualized, tailored insurance solutions rather than standardized offerings.

Differentiator

Problem solved

Functional benefit

Products and services

• Kfz-Versicherung (Auto Insurance) Vehicle insurance covering liability (Haftpflicht), partial comprehensive (Teilkasko), and fully comprehensive (Vollkasko) coverage for cars, including protection against theft, damage, and accident-related losses. Offered to private individuals and small-business vehicle owners via VEMA.
• Beamte Versicherungen (Civil Servant Insurance) Specialized insurance products designed for German civil servants (Beamte), tailored to the specific coverage needs of public-sector employees through VEMA-exclusive concepts.
• Hausverwalter Versicherung (Property Manager Insurance) Insurance solutions for property managers and housing administrators (Hausverwalter), covering property liability, building insurance, and directors-liability exposures.
• Baugewerbe Versicherung (Construction Industry Insurance) Insurance products for businesses and tradespeople in the construction sector (Baugewerbe), covering trade-specific risks including business liability, professional equipment, and workers' compensation.
• Berufsstarter Versicherung (Career Starter Insurance) Insurance products designed for young professionals (Berufsstarter) starting their careers, offering affordable entry-level coverage for those entering the workforce.
• Freiberufler Versicherung (Freelancer Insurance) Insurance solutions tailored for freelancers and self-employed professionals (Freiberufler), covering business liability, professional indemnity, income protection, and personal risk exposures.
• Finanzberatung & Altersvorsorge (Financial Advisory & Retirement Planning) Financial consulting service helping clients plan for retirement and identify government subsidies and pension-scheme options.
• Gesundheit & Existenz (Health & Financial Security) Health and financial protection advisory and insurance placement covering health-related and financial risks for individuals and families.
• Eigentum & Besitz (Property & Possessions Protection) Customized insurance protection for personal property and assets, individually tailored to each client's holdings and circumstances.
• Persönliche Beratung (Personal Consultation) In-person consultation service at the VVZ office in Unna, providing personalized insurance advice, policy placement, and ongoing claims-handling support.
• Digitale Beratung (Digital Consultation) Remote consultation service delivered via digital communication channels, offering flexibility for clients unable to visit the Unna office.
• 24h Schadenservice (24-Hour Claims Service) Round-the-clock damage-claims reporting service available to customers for emergencies outside regular business hours.

Named customers6 records

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• VEMA Versicherungsmakler Genossenschaft eGcoreStrategic or Co-development PartnerVEMA is a nationwide association of insurance brokers. Through cooperation with various insurance companies, special insurance concepts have been designed that can only be purchased through VEMA partners. VVZ operates as a VEMA partner, offering exclusive and competitively priced insurance products to their customers.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Verivox: Major German online comparison portal for insurance and financial products, offering consumers direct self-service access to the same insurance categories (auto, property, health) that VVZ brokers through personal consultation.
• Ecclesia Group: Germany's largest independent insurance broker specializing in complex commercial and institutional risks, comparable as a German-headquartered independent Versicherungsmakler serving niche segments.
• MLP SE: Publicly traded German financial advisory and insurance brokerage serving private and professional clients, comparable in its consultative sales-led model and focus on specialized segments such as civil servants and academics.
• CHECK24 Vergleichsportal: Germany's leading online insurance comparison and brokerage platform, directly competing for the same private and SMB insurance customers VVZ serves, but via a digital self-service model rather than personal consultation.
• Deutsche Vermögensberatung (DVAG): Germany's largest independent financial advisory and insurance brokerage network, operating on a relationship-driven model similar to VVZ but at national scale through a distributed agent structure.

Broad incumbents

• Allianz Versicherungs-AG: Germany's largest insurance carrier with extensive agent and broker partnerships, representing a broad incumbent whose products VVZ may broker through VEMA but which also competes directly via its own tied-agent network.
• Marsh GmbH: Global insurance brokerage leader with a substantial German operation, representing a broad incumbent that competes in commercial insurance brokerage including the construction and property management segments VVZ serves.
• Aon Germany: Global insurance and reinsurance broker with German operations, competing in commercial insurance brokerage and risk advisory across the same broad verticals VVZ addresses.
• HUK-Coburg: One of Germany's largest direct insurers with significant broker and direct distribution, representing a broad incumbent that competes across the same auto, property, and liability insurance categories VVZ brokers.

Regional players

• Barmenia Versicherungen: Mid-sized German mutual insurer with strong regional presence in western Germany including Nordrhein-Westfalen, comparable as a regional player in the same geographic market where VVZ operates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 VVZ GMBH