Insurance that fits your life.
We represent you. Not the insurer.
A tied insurance agent is contractually bound to one company and to its product range. As an independent broker, we work exclusively in your interest. That isn't a marketing promise — it's anchored in German law.
- Market comparison across more than 100 carriers — not just one in-house brand.
- Recommendations matched to your life situation — not to sales targets.
- One named contact for contracts, adjustments, and claims.
- Paid by carrier commissions — no extra cost to you.
Which advice fits you?
Protection that fits your life.
Family, your own home, career, retirement — every life stage brings its own risks and opportunities. We review your situation as a whole and recommend only what's truly necessary.
Start a personal review- Occupational disability insurance (BU)
- Private health insurance (PKV)
- Personal liability & home contents
- Motor insurance
- Legal expenses insurance
- Retirement planning & ETF
- Residential building insurance
- Mortgage financing
If you take responsibility for your work, you need protection to match.
As a self-employed professional, you carry risks that are taken off employees' shoulders — illness, downtime, liability. We build your protection around your profession, income, and life plan.
Request advice- Occupational disability & daily sickness benefit
- Private health insurance (PKV)
- Professional indemnity & financial-loss cover
- Contents & cyber cover
- Rürup, bAV (occupational pension) & ETF retirement planning
- Legal expenses for profession & contracts
- Practice and firm financing
- Wealth-building for the self-employed
Companies need clarity — about their risks and their cover.
We analyze your operation, identify gaps in liability and substance, and build an insurance concept that scales with you. Plus employee benefits that help retain your talent.
Request a risk assessment- Commercial general liability & D&O
- Property, contents & business interruption
- Cyber & IT risk
- Occupational pension scheme (bAV)
- Employer-sponsored health benefits (bKV)
- Group accident & key-person cover
- Commercial motor & fleet insurance
- Existing policy review & optimization
Areas where experience really makes a difference.
Three fields where premium comparisons alone aren't enough — these come down to conditions, application quality, and long-term care.
Occupational disability
The single most important policy for anyone living on earned income. What matters most are the policy conditions and a clean application — not the lowest premium.
Learn more Specialist topic 02Private health insurance
A lifelong contract deserves honest advice. We lay out the pros and cons, the long-term premium trajectory, and which policies actually hold up over time.
Learn more Specialist topic 03Business & commercial
From solo founders to mid-sized companies: a coherent program covering liability, substance, cyber, and employee benefits — designed as one picture.
Learn moreFour steps to clarity about your protection.
Structured, documented, and free of sales pressure. You stay in the driver's seat at every step — and walk away with a clear concept in hand.
You describe your situation in the inquiry assistant — we get back to you personally, quickly.
A full review of your situation, your existing contracts, and your actual risks.
A reasoned recommendation with transparent rationale — you see why each piece is suggested.
Implementation, annual review, and one named contact — including in the event of a claim.
Beyond insurance — other areas we also handle for you.
What to know before our first conversation.
If your question isn't answered here — just get in touch directly.
What does advice at Rombey Capital cost?
What's the difference between a broker and a tied agent?
How does switching existing contracts to you work?
Do you also advise nationwide and online?
What happens to my data and my contracts?
I only have one specific question — can I still get in touch?
Ready for an honest review?
Answer a few questions in the inquiry assistant — we'll come back to you personally with a first assessment. No obligation, no cost, typically within one business day.
