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ARAG Group
As an independent family enterprise, we have a unique identity. Active in 20 countries, we are the largest family-owned company in Germany and, as the world's largest legal insurer, we are one of the top providers in the German insurance industry.
Germany's largest family-owned insurer
Since its foundation in 1935, the ARAG Group has developed into an internationally successful and innovative quality insurer. Our customers and their needs are clearly at the center of everything we do. With a focus on the legal insurance business and headquartered in Düsseldorf, we are active in a total of 20 countries. With more than 6,100 employees, the Group generates revenue and premium income totaling over €2,8 billion. In the German domestic market, we are a family-owned company and an attractive multi-line insurer: Besides legal insurance, we offer our customers our own unique needs-based products and services covering health insurance as well as casualty and property insurance.
Heinrich Faßbender founded ARAG in Düsseldorf in 1935. It has been family-owned ever since. Heinrich Faßbender's business idea is still close to our hearts today: everyone should be able to assert their rights – regardless of their financial situation. Creating equal opportunities remains important to us, even after 90 years in business.
What makes ARAG so special – apart from this special entrepreneurial mission?
ARAG has been family-owned since it was founded by Heinrich Faßbender in 1935. As a family business, we can distance ourselves, from short-term capital market influences. We are free to make our own decisions, remain true to ourselves, and act according to our own values.
Everyone should have equal access to justice – regardless of their financial situation or status. ARAG’s founding principle was a milestone in the world of insurance. To this day, we remain committed to providing equal opportunities, access to justice for all, and supporting people in legal matters. This courage and determination have characterized ARAG since it was founded – and they continue to characterize the standards we set for our corporate activities moving forward.
We founded our first company outside Germany in the Netherlands in 1962. Since then, the international legal insurance business has played an important role for us. Today, we are the world's leading legal insurer and active in 20 countries – in Europe, but also in the US, Canada and Australia. Our recipe for success: We operate globally to the benefit of our clients. We adapt fully to the different markets and develop tailored business models for each country. We work together across borders so we can learn from one another. As such, our international character guarantees the company’s successful further development.
The ARAG Group recorded a premium growth of 17.5 percent in the 2024 fiscal year, increasing by €416 million to around €2.8 billion. The underwriting result decreased to €96 million due to increased claims expenses. However, the result of normal business activities reached a historic high of €141 million. The net profit remained at a good level with €76 million. “The year 2024 marks an important milestone for us. For the first time, we consolidated the business of the former DAS UK. This has resulted in the largest growth leap in our company’s history. But even without the acquisition, the Group achieved robust organic growth. Our earnings performance developed better than we had forecasted in December. In short: we look back on a very successful financial year,” explained Dr. Renko Dirksen, Speaker of the Management Board of ARAG SE, at the presentation of the ARAG Group's financial statements.
We inspire through innovation, and with novel products and services. We offer our customers best-in-class benefits. Our goal is to be one of the best insurers – and the best globally in legal protection. Our ambition of delivering quality characterizes the way in which we work. Each day, our engaged and high-performing staff commit themselves to helping our customers and ensuring ARAG’s success. Together, we are constantly developing the way in which we work. We are highly professional in our processes. Our tools and methods are state-of-the-art. Moreover, we serve our customers in a speedy, pragmatic, and straightforward way.
In doing so, our strategies focus on the long term. We are patient and prudent and operate sustainably. We value our conservative risk policy. Most of the profits we generate remain in the company and are reinvested to make ARAG stronger.
This ensures we are a financially solvent and stable company – to the benefit of our customers, our staff, and our owners.
Shaping our future with shared values
What makes ARAG unique? What sets us apart? The business idea of Heinrich Faßbender – that all citizens should be able to assert their rights, regardless of their financial situation – is as relevant as ever today. Our corporate guidelines – the ARAG Essentials – showcase why the focus is on our customers. They also present our identity and describe our fundamental principles which serve as a guideline how to act.
Management
Learn more about the structure of the ARAG Group and its management team here.
International Locations
Look here for a list of all ARAG locations worldwide as well as information about each international subsidiary.
History
ARAG has operated as a legal insurer for 90 years. Learn more about ARAG’s history and growth.
