Allianz –  Germany


  1. Private insurances – Family, House,Health, Old age provisions;
  2.  Small and medium business, Credit, Business insurances for Large corporations,
  3.  Global assistance and services,Asset management, Consultancy, etc;

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ARAG Group – largest family owned enterprise in Germany


  1. Business line composite insurances;
  2. Life and Health insurance products;
  3. Business line legal insurance solutions;



ERGO Insurance Group


  1. Home,Life, Health,Car insurance companies;
  2. Financial services, Annuities, Consultancy, and more;
  3. Business insurance solutions for small, medium and large enterprises;


Munich RE – insurance and reinsurance group

  1. Owner of ERGO which offers Car, Property, Life, Health insurances;
  2. Asset management, Munich Health, other financial services;
  3. Reinsurance products for world-wide range of insurance companies;


Generali Deutschland – major insurance Company in Germany


Generali Deutschland is one of the biggest insurance holding in Germany. 

  1. Business insurance products for any small, medium or large enterprises;
  2. Financial services and advice, Consultancy, Business solutions and support;
  3. Car, Home, Life, Health and other private insurances;



Insurance is a means of protection against financial losses. It is a form of risk management primarily used to hedge the risk of unexpected or uncertain losses.


An entity that provides insurance is known as an insurer, insurance company, insurer, or underwriter. The individual or entity that purchases the insurance is called the policyholder, and the individual or entity covered by the policy is called the insured. Insurer and insured are often used interchangeably, but are not necessarily synonymous as sometimes coverage may extend to additional insureds who have not purchased insurance. An insurance transaction assumes that the policyholder assumes a guaranteed, known and relatively small loss in the form of a payment to the insurer in exchange for the promise of the insurer to compensate the insured in case of covering the loss. The loss may or may not be financial, but it must be reduced to financial terms and is usually related to something in which the insured has an insurable interest established by ownership, possession or pre-existing relationship.


The insured receives a contract, called an insurance policy, which details the conditions and circumstances under which the insurer will indemnify the insured, his designated beneficiary or successor. The amount of money charged by the insurer to the policyholder for the coverage specified in the insurance policy is called the premium. If the insured incurs losses that are potentially covered by the insurance policy, the insured submits a claim to the insurer for processing by a claims adjuster. Mandatory out-of-pocket expenses required by an insurance policy before an insurer pays a claim is called a deductible (or, if required by a health insurance policy, a copayment). An insurer can hedge its own risk through reinsurance, in which another insurer agrees to take on some of the risk, especially if the primary insurer feels the risk is too great for it.