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Key people at helden.de.
helden.de operates as an online digital insurance provider, delivering comprehensive indemnity products. The company streamlines the insurance experience with a digital-first approach, emphasizing transparency, fairness, and flexibility. Its portfolio includes specialized coverages like horse liability, drone liability, home contents, e-bike, and general personal liability insurances, all manageable via its online platform.
Founded in 2015 by Stefan Herbst, Florian Knorrich, and Jan Schmidt, helden.de arose from an insight into the complexities of traditional insurance markets. The founders sought to disrupt established models, providing a direct, understandable path to essential coverages. They built a user-friendly digital ecosystem, effectively demystifying insurance for modern consumers.
helden.de serves individual customers across Germany, providing straightforward, efficient insurance solutions. The platform caters to those prioritizing clarity and convenience in their financial protection. Its vision is to redefine the insurance landscape by consistently offering digital, fair, and easily comprehensible products, fostering greater industry trust and accessibility.
Key people at helden.de.
helden.de is a German insurtech company founded in 2015 that provides digital, transparent insurance products, primarily targeting private individuals and small businesses with flat-rate policies for personal liability, household contents, and specialized coverages like pets, horses, drones, and professional activities.[1][2][3] Its solutions emphasize fairness, simplicity, daily cancellability, and online accessibility, solving traditional insurance pain points such as opaque pricing and rigid contracts by offering straightforward, digital-first alternatives.[1][2] The company has earned top ratings from Focus Money for product fairness, customer communication, and claims service, positioning it as a pioneer in Germany's insurtech space with over $10M in funding and steady growth through partnerships like FC St. Pauli and Wacken Open Air.[1][2][3]
helden.de was founded in 2015 in Hamburg, Germany, by Stefan Herbst, Florian Knörrich, and Jan Schmidt, who challenged outdated insurance models with a team of experts aiming to create meaningful, digital products.[2] Headquartered initially at Ballindamm 3 and later at Heidenkampsweg 81, the idea emerged from frustration with complex, unfair traditional offerings, leading to innovative flat-rate liability and household insurances that prioritize transparency and ease.[1][2] Early traction came from awards by Focus Money and expansions into niche products, with pivotal hires like Chief Marketing Officer Fabian Engel in 2020 from Lotto24, boosting digital marketing amid plans for new offerings and community partnerships.[1]
helden.de rides the insurtech wave transforming Europe's $1.5T insurance market by digitizing legacy processes amid rising demand for personalized, on-demand coverage post-pandemic.[1][2][4] Timing aligns with regulatory pushes like PSD2 for open banking and consumer shifts to fintech apps, favoring agile players over incumbents slowed by bureaucracy.[2] Market forces include Germany's high insurtech adoption (top in EU) and underserved niches like gig economy/professional liabilities, where helden.de influences the ecosystem by pioneering fair models and inspiring competitors to digitize.[1][3] Its B2C focus and partnerships amplify reach in fragmented consumer segments, contributing to Hamburg's fintech hub status.[2]
helden.de is poised for expansion with new products, deeper partnerships, and potential international scaling from its Hamburg base, leveraging insurtech tailwinds like AI-driven underwriting and embedded insurance in apps.[1][2] Trends such as climate risks boosting niche coverages (e.g., drones/pets) and EU digital single market rules will shape its path, potentially elevating its influence through acquisitions or VC-backed growth beyond $10M funding.[3] As insurtech matures, helden.de's fairness edge could solidify it as a category leader, redefining transparent insurance for a digital-native generation—much like its 2015 origins disrupted the status quo.
