ARAG SE

ARAG SE is a European insurance group. ARAG stands for Allgemeine Rechtsschutzversicherungs Aktiengesellschaft. "SE" stands for "Societas Europaea". Its headquarters are located in the ARAG-Tower in Düsseldorf-Mörsenbroich. The ARAG Group employs nearly 4,300 people worldwide. The Group reported premium income and revenues of over 1.469 billion Euro in 2011. ARAG is the largest family-owned German insurance group, with a portfolio of 5.8 million policies in the 2009 business year. The Group's international legal insurance business accounts for 2.3 million policies alone, making it the second-largest legal insurer in the world. The Group's total insurance business was 8 million policies in 2019, 4.4 million of which were outside Germany.

The ARAG Group was founded in 1935 as legal insurance company under the name of Deutsche Auto-Rechtsschutz-AG by the Düsseldorf entrepreneur and attorney Heinrich Fassbender. With that venture, Faßbender opened the door to a lucrative field of business. His founding principle: "All citizens should be able to assert their rights, not only those who can afford to do so.” Following the expansion of legal insurance beyond the boundaries of straight automotive legal insurance , the company branched out into other segments of the insurance industry in 1962 and began marketing the business concept of legal insurance. The ARAG Group entered the life assurance business in 1965 and issued its first health insurance policies in 1985, having acquired other insurance companies in that segment. These firms are based in Munich, the second German location of the ARAG Group. Other international legal insurance companies have been acquired over the years. The ARAG Group now has subsidiaries in 14 countries.

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