Adam Riese

Adam Riese is a direct-to-consumer P&C insurance carrier operating exclusively in Germany, launched in 2017 as a digital-first brand by Wuestenrot & Wuerttembergische AG (W&W-Gruppe), a major German insurance conglomerate. The company offers personal lines including private liability, household contents, residential building, legal protection, accident, dog owner liability, e-bike, and dental supplement insurance. All policies are sold and serviced entirely online, without traditional broker or agent distribution.

The company differentiates through individualized pricing based on customer risk profiles, flexible daily cancellation options, and lean digital operations that eliminate intermediary commission costs. Policy administration and claims management are powered by Adcubum software, and broker integration is supported via BiPro interfaces. The company holds TUV 2025 certification and maintains climate-neutral operations through ClimatePartner. In 2025-2026, Adam Riese extended its distribution to broker channels for specific product lines targeting institutional customers.

Adam Riese has grown to serve over 400,000 policyholders as of 2026. It operates with approximately 58 employees and is capitalized entirely through its parent, W&W-Gruppe, which also serves as the underlying risk carrier. The company has not raised external venture capital.