Nuernberger Versicherung

What Nuernberger Versicherung does

NÜRNBERGER Versicherung is a privately held German insurance company headquartered in Nuremberg, founded in 1884 and operating exclusively in the German market across both private customers (Privatkunden) and business customers (Geschäftskunden). The company offers a broad portfolio spanning life and pension insurance (term life, classic/fund-linked/DAX/Rürup pensions), health insurance (supplementary, private, company health via bKV, long-term care), property and casualty insurance (residential/commercial building, household contents, motor), liability products (personal, commercial up to €10M, professional indemnity, D&O, IT liability), legal expense insurance, and specialized commercial lines including cyber insurance, photovoltaic insurance, and fleet coverage for the automotive trade via the GARANTA partnership.

The company's core technology consists of a digital insurance platform combining self-service capabilities with traditional advisory distribution: a Self-Service Portal and Kundenportal for policy management, claims reporting, and document handling; mobile applications (Fahrer Plus App for drivers, EasyScan App for document scanning); and a CRS/FATCA compliance system for international tax reporting. These digital channels complement rather than replace a nationwide network of field advisors (Außendienst) locatable through an advisor finder tool. No proprietary AI/ML capabilities are disclosed in the available data.

NÜRNBERGER generates revenue primarily through recurring insurance premiums (subscription model) paid by individual and commercial policyholders, with billing on annual, quarterly, or monthly cadences. Go-to-market is multi-channel: sales-led through the advisor network, direct-to-consumer through digital self-service portals, and inside-sales via online quote request forms. The company extends its offering through strategic partnerships — HUMANOO for corporate digital health management (3,000+ courses, employee rewards up to €100/year), Wüstenrot for building society and home financing products, and GARANTA for automotive trade specialist insurance — creating an ecosystem that increases wallet share per customer relationship.

Name

Nuernberger Versicherung

Legal name

NÜRNBERGER Versicherung

Website

https://nuernberger.de

Company type

Private

Founded year

1884

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

NÜRNBERGER Versicherung is a privately held German insurer founded in 1884, headquartered in Nuremberg, offering comprehensive personal and commercial insurance (life, health, property, motor, liability, legal protection) to private and business customers across Germany through field advisors, digital self-service portals, and mobile apps, supplemented by strategic partnerships with Wüstenrot, HUMANOO, and GARANTA.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Small Group Health Insurance (2–50/100) (FSAIAFAD)

akta.pro secondary industries

Commercial General Liability (CGL) (FSAJADAA), Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Key Person Disability Insurance (FSAIAIAK)

Keywords

• Property insurance
• Casualty insurance
• Life insurance
• Health insurance
• Commercial insurance

Headquarters

HQ city

Nürnberg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D

Revenue model

1. Insurance Premiums - Private Customers: Recurring premium payments from private individuals covering property, casualty, life, health, and accident insurance products. Premiums are typically paid monthly, quarterly, or annually.
2. Insurance Premiums - Business Customers: Recurring premium payments from commercial clients for business insurance products including liability, property, fleet, and employee benefits coverage.
3. Corporate Health Management Services: Revenue from corporate health management platform HUMANOO, a digital wellness service for businesses.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Nuernberger Versicherung is a Nuremberg-based German insurance company that provides a broad portfolio of insurance and financial services to private individuals and commercial customers. Offerings span property, casualty, motor, liability, health, life, pension, disability, legal expense, and long-term care insurance, complemented by digital self-service portals and a corporate health management platform (HUMANOO). The company distributes products through a nationwide field advisor network and online channels across Germany.

Product overview

NÜRNBERGER Versicherung is a German insurance company based in Nuremberg offering a comprehensive portfolio of insurance products and financial services for both private customers (Privatkunden) and business customers (Geschäftskunden). The product portfolio is organized into distinct categories: Buildings & Transport (Gebäude & Transport) covering commercial property, contents, vehicles, and technical insurance including cyber coverage; Health & Provision (Gesundheit & Vorsorge) including company health insurance (bKV), occupational pensions, and income protection; Law & Liability (Recht & Haftung) offering various liability and legal protection products; and Beruf & Vorsorge covering personal insurance such as occupational disability, life, and pension products. Digital services include customer portals, self-service platforms, mobile apps (Fahrer Plus, EasyScan), and the HUMANOO corporate health management platform. The company also partners with Wüstenrot for building society products. For private customers, offerings span motor insurance, home insurance (building and contents), health insurance (supplementary and private), personal liability, legal protection, and comprehensive retirement planning including classic and fund-linked pensions. The multi-channel distribution includes physical advisor network and digital self-service options.

Differentiator

Problem solved

Functional benefit

Brands

• HUMANOO: Digital health management platform offered in partnership with NÜRNBERGER for corporate customers to provide employee wellness services.

Products and services

• Commercial Property and Building Insurance
• Commercial Transport and Vehicle Insurance
• Commercial Technical Insurance
• Commercial Health and Pension Products
• Commercial Liability Insurance
• Commercial Legal Protection Insurance
• Multi-Risk Insurance (GARANTA Spezial-Schutz)
• Private Motor Insurance
• Private Home Insurance
• Private Health Insurance
• Private Personal Liability Insurance
• Life, Pension, and Disability Insurance
• Private Legal Protection Insurance
• Long-Term Care Insurance
• HUMANOO Corporate Health Management Platform
• Wüstenrot Building Society Products

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• WüstenrotcoreStrategic or Co-development PartnerKooperationspartner (cooperation partner) for building society and home financing products. Wüstenrot has been realizing housing dreams for almost 100 years. The partnership offers home savings products, state subsidies (Wohnungsbauprämie, Wohn-Riester), and favorable interest rates for home financing. Special youth bonus of up to 200 euros available for those under 25.
• HUMANOOcoreStrategic or Co-development PartnerExclusive digital health management platform partner offering Europe's largest coaching platform with over 3,000 health courses. Provides corporate health management solutions including fitness, nutrition, mindfulness, and physiotherapy programs. Employees can receive up to 100 EUR annually as rewards for completing certified health courses.
• GARANTA (NÜRNBERGER/GARANTA)coreStrategic or Co-development PartnerGARANTA is the professional insurer of the German automotive trade (Zentralverband deutsches Kraftfahrzeuggewerbe e.V.). NÜRNBERGER/GARANTA provides branch-specific insurance solutions including Multi-Risk insurance (GARANTA Spezial-Schutz) for automotive businesses.
• mentalisminorStrategic or Co-development PartnerIndependent partner for professional immediate assistance for employees with psychological issues during sick leave exceeding 6 weeks and loss of continued payment of wages.
• CodeCamp:NminorOthersExample customer organization using HUMANOO digital health platform. Featured as a success story demonstrating how companies can use HUMANOO to sustainably promote employee engagement.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• R+V Versicherung: Cooperative German insurer (part of the Volksbanken Raiffeisenbanken group) offering a comparable multi-line portfolio including life, health, motor, property, and liability. Comparable on distribution structure and product breadth.
• LVM Versicherung: German mutual insurer focused on private and SME customers with comparable motor, household, liability, life, and pension products. Closely comparable on mutual governance, regional German footprint, and advisor-led distribution.
• HUK-COBURG: Large German mutual insurer offering comparable multi-line coverage across motor, household, liability, life, and health to private and commercial customers. Closely comparable in product breadth, German-only footprint, and mutual/cooperative-style distribution.
• Concordia Versicherungen: German mutual insurer with comparable multi-line coverage for private and commercial customers, with strong presence in the SME segment. Directly comparable on product mix and mutual/cooperative model.
• DEBEKA: One of Germany's largest private health insurers with extensive life, property, and casualty lines serving private and public-sector customers. Comparable on multi-line breadth and German-only operations, though materially larger.
• Gothaer Versicherung: Mid-sized German mutual insurer with comparable multi-line offerings in property, casualty, life, and health for private and commercial clients. Highly comparable on scale, mutual structure, and advisor-driven distribution.

Broad incumbents

• Zurich Insurance Germany: Global insurer's German subsidiary offering comparable motor, household, liability, and life products. Comparable on portfolio composition but materially larger and part of an international group.
• Munich Re Group: Global reinsurance leader with primary insurance through ERGO. Overlaps with NÜRNBERGER in P&C and life lines but is structurally a global reinsurer at fundamentally different scale and capital base.
• Allianz (Germany): Germany's largest insurance group with materially broader scale and product portfolio. Overlaps with NÜRNBERGER across virtually every line but operates as a global incumbent rather than a focused multi-line specialist.
• AXA Germany: Major international insurer's German operations offering multi-line property, casualty, life, and health coverage. Overlaps with NÜRNBERGER's portfolio but at materially larger scale and with broader geographic diversification.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/nuernberger

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Nuernberger Versicherung