Insurer profile
ERGO Group AG
ERGO Group AG · Germany
Overview
ERGO Group AG is one of the leading international insurance groups, based in Düsseldorf and wholly owned by Munich Re, operating in more than 20 countries and offering a broad portfolio of property and casualty, life, and health insurance in its German home market under the ERGO and DKV brands.
Source42
Products in this market
3
Offer pages
Company details
- Parent group
- Munich Re (Münchener Rückversicherungs-Gesellschaft AG)
- Regulator
- Federal Financial Supervisory Authority (BaFin – Bundesanstalt für Finanzdienstleistungsaufsicht)
- Phone
- +49 800 3746000
- [email protected]
Products from ERGO Group AG
Motor6
Motor Third-Party Liability Insurance
Mandatory motor liability insurance covering damages to third parties caused by the insured vehicle, with a flat coverage of up to 100 million euros.
Comprehensive and Partial Motor Insurance (Full/Partial Casco)
Optional comprehensive (Vollkasko) and partial (Teilkasko) motor insurance covering damage to the insured vehicle from accidents, theft, weather events, and other perils.
Motorcycle Insurance
Insurance for motorcycles including mandatory liability and optional comprehensive/partial casco coverage with customisable modules.
E-Bike Insurance
Specialised insurance for e-bikes and pedelecs covering theft, damage, and liability risks.
Motorhome / Campervan Insurance
Insurance for motorhomes and campervans combining mandatory liability with optional casco protection.
Commercial Fleet Insurance
Fleet insurance for businesses covering liability and casco protection for multiple company vehicles under one policy.
Property7
Home Contents Insurance
Covers damage to or loss of household contents from fire, water, burglary, and other insured perils, with optional add-ons such as bicycle protection.
Residential Buildings Insurance
Insurance for residential building owners covering structural damage from fire, water, storms, and other hazards.
Glass Insurance
Covers breakage of glass panes in windows, doors, and furniture against accidental damage.
Commercial Property and Contents Insurance
Commercial property and contents insurance for businesses covering building structures and inventory against fire, storm, water, and other insured perils.
Commercial Building Insurance
Insurance covering the whole commercial building structure against fire, storm and other risks, with an optional environmental damage package.
Business Closure Insurance
Covers ongoing costs and lost profits for businesses forced to close due to official orders or notifiable disease outbreaks.
Agricultural Contents Insurance
Tailored insurance protection for agricultural businesses covering farm contents, with an optional farm-shop package.
Health5
Supplementary Dental Insurance
Supplementary dental insurance covering dental prosthetics, orthodontics, and tooth preservation, with immediate benefits and no waiting period.
Vision / Eye Insurance
Supplementary eye insurance providing subsidies for visual aids, glasses, and ophthalmological examinations, available as basic or premium plan.
Supplementary Hospital Insurance
Supplementary health insurance for statutory health insurance members covering chief physician treatment, single or double room, and daily hospital allowance.
Long-term Care Insurance
Private supplementary long-term care insurance providing financial support in the event of a care need, with state co-funding available.
Personal Accident Insurance
Individual accident insurance providing financial protection in the event of accident-related disability, loss of basic physical functions, or death, with modular coverage options.
Liability8
Personal Liability Insurance
Protects individuals from financial claims for personal injury or property damage negligently caused to third parties, with coverage up to 50 million euros.
Dog Owner Liability Insurance
Liability coverage for dog owners against claims arising from damage caused by their dog to third parties.
Horse Owner Liability Insurance
Liability coverage for horse owners against damages caused by their horse to third parties.
Homeowner / Landlord Liability Insurance
Liability insurance for residential landlords and property owners against claims by tenants or third parties injured on the property.
Commercial Liability Insurance
Liability protection for small and medium-sized businesses and self-employed persons covering operational risks and damages caused to third parties.
Professional Indemnity / Financial Loss Liability Insurance
Covers financial loss claims against businesses and professionals arising from errors or omissions in the course of their professional activity.
Legal Expenses Insurance (D.A.S.)
Comprehensive legal protection insurance covering legal fees and court costs in civil, employment, and traffic disputes, marketed under the D.A.S. brand by ERGO Versicherung AG.
Commercial Legal Expenses Insurance
Legal protection for self-employed persons and business owners including telephone legal advice, mediation, and coverage of lawyer and court costs.
Travel6
Travel Health Insurance
Travel health insurance providing worldwide medical coverage and emergency assistance during trips, including medical repatriation.
Travel Cancellation Insurance
Reimburses non-refundable travel costs if the trip must be cancelled or interrupted due to illness, accident, or other covered reasons.
Domestic Travel Insurance
Special travel insurance for holidays and trips within Germany, including short cross-border trips, covering cancellation and medical risks.
Annual Travel Insurance Policy
Annual travel insurance covering unlimited trips worldwide or within Europe during one year, combining travel health, cancellation, and other travel protections.
Luggage Insurance
Covers loss, theft, or damage to personal luggage during a trip.
Long-Stay / Student Abroad Insurance
Specialised long-stay insurance for students, au-pairs, language learners, and gap-year travellers abroad for extended periods.
Life4
Term Life Insurance
Term life insurance providing a lump sum payout to beneficiaries in the event of the policyholder's death during the term, including optional orphan protection.
Death Benefit / Funeral Cover Insurance
Whole life insurance designed to cover funeral costs, paying out a fixed sum upon the insured's death.
Retirement Pension / Unit-Linked Life Insurance (ERGO Rente Balance)
Flexible unit-linked pension insurance for long-term retirement savings, with options for one-off payment, regular withdrawals, and coverage across all three tiers of retirement provision.
Occupational Disability Insurance
Income protection insurance paying a monthly benefit if the insured can no longer perform their occupation due to illness or accident.
Financial2
Company Pension Scheme (Betriebliche Altersversorgung)
Corporate pension solutions for employers to provide occupational pension schemes for employees across all relevant implementation options.
Business Interruption / Sick Pay Cover
Financial protection for self-employed persons and business owners in case of full incapacity to work due to illness or accident, including cost reimbursement for a replacement worker.
Other3
Transport Insurance
Commercial transport insurance covering goods in transit against damage and loss during domestic and international transportation.
Surety / Bond Insurance (Kautionsversicherung)
Surety insurance enabling businesses to provide guarantees or bonds to contractual partners without tying up liquid assets.
Technical Insurance (Machinery/Equipment)
Covers machinery, technical equipment, and business assets against breakdown and operational damage.
Regulatory updates
In September 2025, Victoria Lebensversicherung AG was merged into ERGO Lebensversicherung AG, retroactive to 1 January 2025, ending its run-off status. In January 2026, BaFin was involved under §63 VAG in a transfer of an insurance portfolio from the Belgian insurer ERGO Insurance NV that also covers risks located in Germany. In July 2025, BaFin approved ERGO Versicherung AG to conduct cross-border insurance business via its Austrian branch. For 2026, ERGO's life insurers increased their regular profit participation (ERGO Vorsorge Lebensversicherung to 2.9%, total up to 4.2%; ERGO Lebensversicherung to 3.0%, total 3.25%). ERGO is also preparing new pension products ahead of Germany's 2027 pension reform (Altersvorsorgereform). BaFin's 2026 supervisory priorities continue to emphasize cyber resilience, AML/CTF supervision, IT outsourcing concentration risk, and consumer-facing product governance.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from ERGO for the Germany market, with online purchase and 24/7 assistance.
Last verified Aug 27, 2026
Motor third-party liability
motor third-party liability insurance from ERGO for the Germany market, with online purchase and 24/7 assistance.
Last verified Aug 27, 2026
Travel insurance
travel insurance from ERGO Reiseversicherung for the Germany market, with online purchase and 24/7 assistance.
Last verified Aug 27, 2026