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Risk & Damage Evaluation in Germany - Market Research Report (2015-2030)

David Riemeier David Riemeier Frankfurt, Germany Last Updated: August 2025 WZ K66.21DE

Revenue

€627.9m

2025

€627.9m

Past 5-Year Growth

Profit

€XX.Xm

Employees

16,558

Businesses

832

Wages

€XXX.Xm

Risk & Damage Evaluation in Germany industry analysis

The risk and loss assessment sector is closely linked to the insurance industry. In addition to analysing risks and assessing losses in insurance cases, companies in this sector often also handle the entire claims settlement process for insurance companies. In recent years, there has been an increasing tendency for insurers to outsource processes such as claims recording, assessment and settlement to external service providers in order to operate more flexibly and cost-efficiently. Average annual sales growth of around 3.4% is therefore forecast for the period from 2020 to 2025. IBISWorld expects industry turnover of around 627.9 million euros in 2025, which corresponds to a moderate increase of around 1.3% compared to the previous year.

Many insurers have come under increasing cost pressure in the last five years due to growing claims expenditure and regulatory requirements. This has favoured the outsourcing of certain processes, particularly in the area of claims settlement, to external, specialised service providers. The outbreak of the coronavirus pandemic in 2020 led to a temporary decline in economic activity. Lockdowns, working from home and restricted mobility led to fewer work, traffic and industrial accidents. The result was a noticeable decline in loss events - and thus also in demand in the industry. Nevertheless, many companies were able to adapt flexibly to the new circumstances and stabilise themselves in the medium term by making digital adjustments - for example by creating virtual expert reports or automated risk assessments. The slowdown in the construction boom, which had long been a strong driver of order volumes, also led to a decline in insurance claims, which temporarily impacted profit margins. However, new business areas increasingly offset this effect.

In recent years, the economy has recovered slightly despite global uncertainties. Overall economic development is also expected to be cautiously positive in 2025. After several increases in the last two years, the European Central Bank has lowered its key interest rate slightly in certain areas in order to encourage investment. Overall, however, the interest rate level remains high in order to counteract the persistently high inflation. This has a stabilising effect on the capital markets, but continues to put pressure on the cost structure of many insurers.

Moderate industry growth is expected for the period from 2025 to 2030. According to IBISWorld, the industry's turnover is expected to rise to around 649.2 million euros by 2030. As economic activity increases, so does the complexity of risks. This means that demand for specialised risk and claims services is expected to continue in the long term.

Trends and Insights

  • Many old business models in the insurance industry are being put to the test by digitalisation. In addition, the low interest rates of the past are forcing insurers to realign their business.
  • Risk and loss assessment for other property damage is becoming less important due to the end of the construction boom. The risk and loss assessment market segment for other property damage comprises various loss events in connection with construction projects.
  • In an interregional comparison, the four federal states of the Central Region are home to the most companies in the sector. Populous North Rhine-Westphalia accounts for around a fifth of all companies in the sector.
  • There is fierce competition in the industry. In principle, anyone can call themselves an expert and carry out a risk and damage assessment.
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Competitors

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Industry Statistics and Trends

Market size and recent performance (2015-2030)

Industry revenue has grown at a CAGR of 3.4 % over the past five years, to reach an estimated €627.9m in 2025.

Trends and Insights

Risk and loss assessment is directly linked to the insurance industry

  • Risk and loss assessment is closely intertwined with the insurance industry and forms a central part of its operational processes. Between 2020 and 2025, this connection has further strengthened as insurance companies increasingly commission external service providers to handle claims settlement and risk assessment in order to reduce costs, streamline processes and focus more on their core business. Companies in the risk and loss assessment industry take on a variety of tasks - from objective valuation and technical analyses to the complete settlement of claims.
  • Additional trends and insights available with purchase
Risk & Damage Evaluation in Germany
Revenue (2015-2030)
IBISWorld Logo Source: IBISWorld

Industry outlook (2025-2030)

Market size is projected to grow over the next five years.

Trends and Insights

The weakness of industry and construction is likely to have a negative impact on the sector

  • The current weakness of German industry and the commercial construction sector is impacting the risk and loss assessment sector. These economic sectors are among the key drivers of demand, as companies need to insure themselves comprehensively against business interruption, property damage, accidents and other external risks. In a growth-friendly economic environment, not only is the number of insurance policies being taken out increasing, but also the need for precise risk analyses, expert opinions and damage assessments by external specialists.

Biggest companies in the Risk & Damage Evaluation in Germany

Company
Market Share (%)
2025
Revenue (€m)
2025
TÜV Süd AG
36.2
Expira GmbH
11.3
Crawford & Company (Deutschland) GmbH
8.5

To view the market share and analysis for all 3 top companies in this industry, view purchase options.

Products & Services Segmentation

Risk & Damage Evaluation in Germany
Products & Services
IBISWorld Logo Source: IBISWorld

Industry revenue is measured across several distinct product and services lines, including Risk and damage assessment for motor vehicles, Risk and damage assessment for other property damage and Risk and damage assessment in the event of fire. Risk and damage assessment for motor vehicles is the largest segment of the Risk & Damage Evaluation in Germany.

Trends and Insights

The coronavirus pandemic led to a temporary drop in sales in the risk and damage assessment of motor vehicles

  • The risk and damage assessment of motor vehicles is a process in which the risk of potential damage associated with a vehicle is evaluated.
  • More insights available in the full report

Table of Contents

About this industry

Industry definition

Companies in this sector deal with incurred and potential insurance claims. They mainly carry out an assessment of the monetary value of a loss or risk. Value assessments for purposes that are not relevant to insurance are not part of the industry.

What's included in this industry?

Products and services covered in the Risk & Damage Evaluation industry in Germany include Risk and damage assessment for motor vehicles, Risk and damage assessment for other property damage and Risk and damage assessment in the event of fire.

Companies

Companies covered in the Risk & Damage Evaluation industry in Germany include TÜV Süd AG, Expira GmbH and Crawford & Company (Deutschland) GmbH.

Purchase this report to view all 3 major companies in this industry.

Related Terms

Related terms covered in the Risk & Damage Evaluation industry in Germany include assecurant, insurtech and primary insurance.

Industry Code

WZ 2008

WZ 66.21 - Risk & Damage Evaluation in Germany

Performance

Get an indication of the industry's health through historical, current and forward-looking trends in the performance indicators that make or break businesses.

Analyst insights

Many old business models in the insurance industry are being put to the test by digitalisation. In addition, the low interest rates of the past are forcing insurers to realig...

In this chapter (4)

  • Current Performance
  • Outlook
  • Volatility
  • Life Cycle

Key metrics

  • Annual Revenue, Recent Growth, Forecast, Revenue Volatility
  • Number of Employees, Recent Growth, Forecast, Employees per Business, Revenue per Employee
  • Number of Businesses, Recent Growth, Forecast, Employees per Business, Revenue per Business
  • Total Profit, Profit Margin, Profit per Business

Charts

  • Revenue, including historical (2015-2024) and forecast (2025-2030)
  • Employees, including historical (2015-2024) and forecast (2025-2030)
  • Businesses, including historical (2015-2024) and forecast (2025-2030)
  • Profit, including historical (2015-2025)
  • Industry Volatility vs. Revenue Growth
  • Industry Life Cycle

Detailed analysis

  • Trends in supply, demand and current events that are driving current industry performance
  • Expected trends, economic factors and ongoing events that drive the industry's outlook
  • Key success factors for businesses to overcome volatility
  • How contribution to GDP, industry saturation, innovation, consolidation, and technology and systems influence the industry's life cycle phase.

Products and Markets

Learn about an industry's products and services, markets and trends in international trade.

Analyst insight

Risk and loss assessment for other property damage is becoming less important due to the end of the construction boom. The risk and loss assessment market segment for other p...

In this chapter

  • Products & Services
  • Major Markets

Key metrics

  • Largest market segment and value in 2025
  • Product innovation level

Charts

  • Products & services segmentation in 2025
  • Major market segmentation in 2025

Detailed analysis

  • Trends impacting the recent performance of the industry's various segments
  • Innovations in the industry's product or service offering, specialization or delivery method
  • Key factors that successful businesses consider in their offerings
  • Buying segments and key trends influencing demand for industry products and services

Geographic Breakdown

Discover where business activity is most concentrated in an industry and the factors driving these trends to find opportunities and conduct regional benchmarking.

Analyst insights

In an interregional comparison, the four federal states of the Central Region are home to the most companies in the sector. Populous North Rhine-Westphalia accounts for aroun...

In this chapter (1)

  • Business Locations

Charts

  • Share of revenue, establishment, wages and employment in each region
  • Share of population compared to establishments in each region in 2025

Tables

  • Number and share of establishments in each region in 2025
  • Number and share of revenue each region accounts for in 2025
  • Number and share of wages each region accounts for in 2025
  • Number and share of employees in each region in 2025

Detailed analysis

  • Geographic spread of the industry across Europe, and trends associated with changes in the business landscape
  • Key success factors for businesses to use location to their advantage

Competitive Forces

Get data and insights on what's driving competition in an industry and the challenges industry operators and new entrants may face, with analysis built around Porter's Five Forces framework.

Analyst insights

There is fierce competition in the industry. In principle, anyone can call themselves an expert and carry out a risk and damage assessment.

In this chapter (4)

  • Concentration
  • Barriers to Entry
  • Substitutes
  • Buyer & Supplier Analysis

Key metrics

  • Industry concentration level
  • Industry competition level and trend
  • Barriers to entry level and trend
  • Substitutes level and trend
  • Buyer power level and trend
  • Supplier power level and trend

Charts

  • Market share concentration among the top 4 suppliers from 2020-2025
  • Supply chain including upstream supplying industries and downstream buying industries, flow chart

Detailed analysis

  • Factors impacting the industry’s level of concentration, such as business distribution, new entrants, or merger and acquisition activity.
  • Key success factors for businesses to manage the competitive environment of the industry.
  • Challenges that potential industry entrants face such as legal, start-up costs, differentiation, labor/capital intensity and capital expenses.
  • Key success factors for potential entrants to overcome barriers to entry.
  • Competitive threats from potential substitutes for the industry’s own products and services.
  • Key success factors for how successful businesses can compete with substitutes.
  • Advantages that buyers have to keep favorable purchasing conditions.
  • Advantages that suppliers have to maintain favorable selling conditions.
  • Key success factors for how businesses can navigate buyer and supplier power.

Companies

Learn about the performance of the top companies in the industry.

Analyst insights

Dekra wants to break new ground in the automotive industry and is entering into a partnership with Volkswagen. The two companies are jointly running the start-up Moia, which ...

In this chapter

  • Market Share Concentration
  • Companies
  • Company Spotlights

Charts

  • Industry market share by company in 2021 through 2025
  • Major companies in the industry, including market share, revenue, profit and profit margin in 2025
  • Overview of TÜV Süd AG's performance by revenue, market share and profit margin from 2019 through 2025
  • Overview of Expira GmbH's performance by revenue, market share and profit margin from 2019 through 2025
  • Overview of Crawford & Company (Deutschland) GmbH's performance by revenue, market share and profit margin from 2019 through 2025

Detailed analysis

  • Description and key data for TÜV Süd AG, and factors influencing its performance in the industry
  • Description and key data for Expira GmbH, and factors influencing its performance in the industry
  • Description and key data for Crawford & Company (Deutschland) GmbH, and factors influencing its performance in the industry

External Environment

Understand the demographic, economic and regulatory factors that shape how businesses in an industry perform.   

Analyst insights

Risk and damage assessment companies require a licence from the competent authority in order to carry out their trade. The basic requirements for obtaining a licence are a po...

In this chapter

  • External Drivers
  • Regulation & Policy
  • Assistance

Key metrics

  • Regulation & policy level and trend
  • Assistance level and trend

Charts

  • Regulation & Policy historical data and forecast (2015-2030) 
  • Assistance historical data and forecast (2015-2030) 

Detailed analysis

  • Demographic and macroeconomic factors influencing the industry, including Regulation & Policy and Assistance
  • Major types of regulations, regulatory bodies, industry standards or specific regulations impacting requirements for industry operators
  • Key governmental and non-governmental groups or policies that may provide some relief for industry operators.

Financial Benchmarks

View average costs for industry operators and compare financial data against an industry's financial benchmarks over time. 

Analyst insights

The recent downturn in the construction sector is also reflected in falling profit margins for risk and loss assessors. The reason for this is that this market is of great im...

In this chapter

  • Cost Structure
  • Financial Ratios
  • Key Ratios

Key metrics

  • Profit margin, and how it compares to the sector-wide margin
  • Average wages, and how it compares to the sector-wide average wage
  • Largest cost component as a percentage of revenue
  • Industry average ratios for days' receivables, industry coverage and debt-to-net-worth ratio

Charts

  • Average industry operating costs as a share of revenue, including purchases, wages, depreciation, utilities, rent, other costs and profit in 2025
  • Average sector operating costs as a share of revenue, including purchases, wages, depreciation, utilities, rent, other costs and profit in 2025
  • Investment vs. share of economy

Data tables

  • Cash Flow & Debt Service Ratios (2015-2030)
  • Revenue per Employee (2015-2030)
  • Revenue per Enterprise (2015-2030)
  • Employees per Establishment (2015-2030)
  • Employees per Enterprise (2015-2030)
  • Average Wage (2015-2030)
  • Wages/Revenue (2015-2030)
  • Establishments per Enterprise (2015-2030)
  • IVA/Revenue (2015-2030)
  • Imports/Demand (2015-2030)
  • Exports/Revenue (2015-2030)

Detailed analysis

  • Trends in the cost component for industry operators and their impact on industry costs and profitability 

Key Statistics

Industry Data

Data Tables

Including values and annual change:

  • Revenue (2015-2030)
  • IVA (2015-2030)
  • Establishments (2015-2030)
  • Enterprises (2015-2030)
  • Employment (2015-2030)
  • Exports (2015-2030)
  • Imports (2015-2030)
  • Wages (2015-2030)

Top Questions Answered

Unlock comprehensive answers and precise data upon purchase. View purchase options.

What is the market size of the Risk & Damage Evaluation industry in Germany in 2025?

The market size of the Risk & Damage Evaluation industry in Germany is €627.9m in 2025.

How many businesses are there in the Risk & Damage Evaluation industry in Germany in 2025?

There are 832 businesses in the Risk & Damage Evaluation industry in Germany, which has grown at a CAGR of 3.0 % between 2020 and 2025.

How may import tariffs affect the Risk & Damage Evaluation industry in Germany?

The Risk & Damage Evaluation industry in Germany is unlikely to be materially impacted by import tariffs with imports accounting for a low share of industry revenue.

How may export tariffs affect the Risk & Damage Evaluation industry in Germany?

The Risk & Damage Evaluation industry in Germany is unlikely to be materially impacted by export tariffs with exports accounting for a low share of industry revenue.

Has the Risk & Damage Evaluation industry in Germany grown or declined over the past 5 years?

The market size of the Risk & Damage Evaluation industry in Germany has been growing at a CAGR of 3.4 % between 2020 and 2025.

What is the forecast growth of the Risk & Damage Evaluation industry in Germany over the next 5 years?

Over the next five years, the Risk & Damage Evaluation industry in Germany is expected to grow.

What are the biggest companies in the Risk & Damage Evaluation industry in Germany?

The biggest companies operating in the Risk & Damage Evaluation industry in Germany are TÜV Süd AG, Expira GmbH and Crawford & Company (Deutschland) GmbH

What does the Risk & Damage Evaluation industry in Germany include?

Risk and damage assessment for motor vehicles and Risk and damage assessment for other property damage are part of the Risk & Damage Evaluation industry in Germany.

Which companies have the highest market share in the Risk & Damage Evaluation industry in Germany?

The company holding the most market share in the Risk & Damage Evaluation industry in Germany is TÜV Süd AG.

How competitive is the Risk & Damage Evaluation industry in Germany?

The level of competition is high and steady in the Risk & Damage Evaluation industry in Germany.

Methodology

How are IBISWorld reports created?

IBISWorld has been a leading provider of trusted industry research for over 50 years to the most successful companies worldwide. With offices in Australia, the United States, the United Kingdom, Germany and China, we are proud to have local teams of analysts that conduct research, data analysis and forecasting to produce data-driven industry reports.

Our analysts start with official, verified and publicly available sources of data to build the most accurate picture of each industry. Analysts then leverage their expertise and knowledge of the local markets to synthesize trends into digestible content for IBISWorld readers. Finally, each report is reviewed by one of IBISWorld’s editors, who provide quality assurance to ensure accuracy and readability.

IBISWorld relies on human-verified data and human-written analysis to compile each standard industry report. We do not use generative AI tools to write insights, although members can choose to leverage AI-based tools within the platform to generate additional analysis formats.

What data sources do IBISWorld analysts use?

Each industry report incorporates data and research from government databases, industry-specific sources, industry contacts, and our own proprietary database of statistics and analysis to provide balanced, independent and accurate insights.

Key data sources in Germany include:

  • German Federal Statistics Office (Destatis)
  • European Statistics Office (Eurostat)
  • United Nations Comtrade

Analysts also use industry specific sources to complement catch-all sources, although their perspective may focus on a particular organization or representative body, rather than a clear overview of all industry operations. However, when balanced against other perspectives, industry-specific sources provide insights into industry trends.

These sources include:

  • Industry and trade associations
  • Industry federations or regulators
  • Major industry players annual or quarterly filings

Finally, IBISWorld’s global data scientists maintain a proprietary database of macroeconomic and demand drivers, which our analysts use to help inform industry data and trends. They also maintain a database of statistics and analysis on thousands of industries, which has been built over our more than 50-year history and offers comprehensive insights into long-term trends.

How does IBISWorld forecast its data?

IBISWorld’s analysts and data scientists use the sources above to create forecasts for our proprietary datasets and industry statistics. Depending on the dataset, they may use regression analysis, multivariate analysis, time-series analysis or exponential smoothing techniques to project future data for the industry or driver. Additionally, analysts will leverage their local knowledge of industry operating and regulatory conditions to impart their best judgment on the forecast model.

IBISWorld prides itself on being a trusted, independent source of data, with over 50 years of experience building and maintaining rich datasets and forecasting tools. We are proud to be the keystone source of industry information for thousands of companies across the world.

Learn more about our methodology and data sourcing on the Help Center.

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