Overview
GARANTIEMAX is an embedded insurance solutions provider for B2B retailers and dealer networks, focused on digital warranty extension products for consumer electronics, kitchen furniture, and home appliances. The company operates as an Assekuradeur (underwriting agent) and enables retail and dealer partners to offer protection products directly within their sales channels through a B2B2C distribution model.
The platform delivers fully digital embedded warranty products including extended coverage plans of up to 10 years, supported by AI-based claims processing and IoT-enabled risk assessment. Products are designed for rapid integration into partner sales ecosystems via API and POS system connections, allowing retailers to deploy protection offerings without building their own insurance infrastructure.
Founded in 2020 as a spin-off from SIGNAL IDUNA Group, GARANTIEMAX has grown to serve over 1,000 kitchen retailers and studios across Germany. Risk carrier backing from RheinLand Holding AG was formalized in late 2024, providing the insurance capacity underpinning product offerings. The company participates in InsurLab Germany, the country's leading insurtech accelerator network.
Products & Services
XCARE+KITCHEN
Extended warranty product offering up to 10-year protection plans for kitchen furniture and associated electrical appliances, targeted at kitchen retailers and studio partners across Germany.
Key Features
- Up to 10-year coverage for kitchen furniture and built-in appliances
- B2B2C distribution through kitchen retail and studio networks
- Digital contract management and claims handling for end customers
- Enhances customer loyalty and drives retailer sales
Target Users: Kitchen retailers, kitchen studios, and their end customers
XCARE+ (Multi-Device)
A broader warranty extension product allowing end customers to secure and manage protection for up to 30 devices under a single contract, with extended warranty periods of up to 10 years across consumer electronics categories.
Key Features
- Single contract covering up to 30 devices
- Up to 10-year extended warranty periods
- Digital self-service for device registration and claims
- Suitable for consumer electronics retailers and manufacturers
Target Users: Consumer electronics retailers, appliance manufacturers, and distributors
Embedded Insurance Platform
A B2B platform enabling retail partners to integrate warranty and protection products directly into their point-of-sale systems and e-commerce environments.
Key Features
- API-based integration with POS systems and retail management software
- AI-based claims processing and automated risk assessment
- IoT-based application support for modern risk management
- White-label and co-branded deployment options for retail partners
Target Users: Retail chains, dealer networks, consumer electronics distributors
At a Glance
- Founded
- 2020
- Headquarters
- Herford, Nordrhein-Westfalen, Germany
- Employees
- 11-50
- Funding
- Seed
Category & Focus
- Category
- Distribution & Sales
- Subcategories
- Embedded Insurance Warranty Extension B2B2C Distribution
- Insurance Verticals
- P&C Personal Specialty/E&S
- Target Customers
- Consumers, Carriers
Customers
- Kitchen retailers and studios across Germany (B2B channel partners)
- Consumer electronics retailers and distributors
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Last updated: 2026-06-03