Emmental Versicherung

What Emmental Versicherung does

Emmental Versicherung (legal name: emmental versicherung Genossenschaft) is a Swiss customer cooperative founded in 1874 in the parish of Lützelflüh and headquartered in Konolfingen, Switzerland. The cooperative underwrites property and casualty insurance for three core segments — private customers (Privatkunden), small and medium enterprises (KMU), and agriculture & viticulture (Landwirtschaft & Rebbau) — with a product range spanning household, private and business liability, building, vehicle, technical-equipment (Teca), solar/PV (Volta), agricultural-animal, and leisure-object coverage, plus bundled package offers. Distribution is anchored by approximately 200 local agencies providing face-to-face consultation, complemented by a dedicated brokerage division in Adliswil, an online premium calculator (launched 2021) for household and liability products, a customer self-service portal (my.emmental-versicherung.ch), and digital claims management. Strategic partnerships extend the offering with third-party underwriters for legal protection (Orion), travel and pet insurance (Europäische Reiseversicherung), pensions (Pax, ASGA Pensionskasse), daily sickness/UVG (Branchenversicherung), and transport/event coverage (TSM).

The cooperative operates on a premium-based recurring revenue model with approximately 76,000 member-customers who share in profits via three-yearly distributions; in 2024 premium volume reached slightly over CHF 120 million (up more than CHF 12 million from 2023's CHF 108 million), driven primarily by the in-house vehicle insurance product launched in 2022. The company employs approximately 300 people, carries naming rights to the emmental versicherung arena in Langnau i.E. through a 20+ year SCL Tigers sponsorship, and in September 2025 signed Schwingerkönig Matthias Sempach as brand ambassador to push national reach. Governance is exercised through a Board of Directors reconstituted on 21 March 2026, with Gerhard Wittwer assuming the presidency.

Underlying technology is conventional for the Swiss P&C segment: a customer portal, an online premium calculator, and digital claims workflows, with no disclosed AI/ML, proprietary underwriting models, mobile applications, or third-party API integrations. Revenue mechanics are dominated by annual and multi-year premium contracts, with sales-agent compensation carrying commission-based performance elements.

Name

Emmental Versicherung

Legal name

emmental versicherung Genossenschaft

Website

https://emmental-versicherung.ch

Company type

Private

Founded year

1874

Operating status

Operating

Headcount range

101–250 employees

Short description

Emmental Versicherung is a Swiss customer cooperative offering property and casualty insurance to private households, SMEs, and agricultural clients through approximately 200 local agencies, an online premium calculator, and a broker division across Switzerland.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance

akta.pro primary industry

Casualty Facultative Reinsurance (FSAOAFAB)

akta.pro secondary industry

Property Facultative Reinsurance (FSAOAFAA)

Keywords

• Property casualty insurance
• Household insurance
• Private liability insurance
• Agricultural insurance
• SME commercial insurance

Headquarters

HQ city

Konolfingen

HQ country

Switzerland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Property and Casualty Insurance Premiums: Core revenue from property and casualty insurance products including household insurance, private liability insurance, building insurance, vehicle insurance, and commercial insurance for SMEs and agricultural operations. Premiums are collected on annual or multi-year contract basis with profit-sharing elements for cooperative members.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Emmental Versicherung is a Swiss customer cooperative (Genossenschaft) providing property and casualty insurance products across three customer segments: private customers (Privatkunden), small and medium enterprises (KMU), and agriculture & viticulture (Landwirtschaft & Rebbau). The portfolio covers household, building, vehicle, and liability insurance, plus specialized products such as solar/PV insurance, technical equipment insurance, animal insurance, and bundled package offers.

Product overview

Emmental Versicherung is a Swiss customer cooperative (Genossenschaft) offering property and casualty insurance products across three customer segments: Private Customers (Privatkunden), Agriculture & Viticulture (Landwirtschaft & Rebbau), and Small & Medium Enterprises (KMU). The product portfolio centers on core insurance offerings including household insurance, private and business liability insurance, building insurance, and vehicle insurance (launched in-house in 2022). Specialized products include solar/photovoltaic insurance (Volta), technical equipment insurance (Teca), and animal insurance for agricultural clients. The company also distributes partner products through strategic partnerships including legal insurance, travel insurance, and occupational pension solutions. Insurance products are available as individual policies or bundled into package offers (Paket-Angebot), and can be purchased through the company's approximately 200 local agencies across Switzerland or via the online premium calculator. Core products connect through the company's customer-first cooperative model, with profits shared with member-customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Hausratversicherung (Household Insurance)

Quantifiable outcome

• Ranked 1st place in Handelszeitung for household insurance and private liability insurance in February 2025
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Matthias SempachcoreGTM or Marketing Partner · 22 September 2025Brand ambassador partnership with 2013 Schwingerkönig (Swiss wrestling champion) Matthias Sempach. Farmer from Entlebuch (LU) representing cooperative values authentically. Partnership includes communication activities and joint appearances. Designed to strengthen national presence and emphasize regional roots in rural Swiss communities.
• Orion RechtsschutzversicherungminorStrategic or Co-development PartnerTraditional company for private and business legal protection insurance. Orion complements emmental versicherung's own coverage with specialized legal insurance products. Customers are referred to Orion for legal protection needs.
• Europäische Reiseversicherung (ERV)minorStrategic or Co-development PartnerMarket leader in Switzerland for travel insurance; also offers vehicle breakdown assistance, guest medical cost insurance, and pet insurance (dogs and cats). Extended product portfolio for travel-related coverage.
• PaxminorStrategic or Co-development PartnerPartnership for private pension solutions; for SMEs, Pax provides occupational pension solutions when full insurance is desired. Complementary retirement and pension products.
• ASGA Pensionskasse GenossenschaftminorStrategic or Co-development PartnerPartner for SMEs seeking semi-autonomous occupational pension (BVG) solutions with advantageous models. ASGA provides pension fund management for business customers.
• BranchenversicherungminorChannel Partner/ Reseller/ DistributorThrough the industry insurance association, offers collective daily sickness allowance insurance, UVG (accident insurance) and UVG supplement coverage for businesses. Industry-specific group insurance solutions.
• TSM (Transport- und Eventversicherung)minorStrategic or Co-development PartnerCollaboration partner for transport and event insurance solutions. TSM provides specialized coverage for transportation risks and event cancellations or liability.
• SCL TigerscoreGTM or Marketing PartnerIce hockey club sponsorship for over 20 years; naming rights to emmental versicherung arena since 2023 in Langnau i.E. Club embodies similar values: modest resources but competitive, well-organized, pragmatic, dynamic community connection. National visibility through Swiss hockey league presence.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Zurich Insurance (Switzerland): Swiss operations of global Zurich Insurance Group, one of the largest insurers in Switzerland. Competes in P&C for retail, SME, and agricultural customers with a much broader product portfolio and significantly larger capital base.
• Allianz Suisse: Swiss subsidiary of Allianz Group and one of the largest insurers in Switzerland, offering P&C, life, and health. Competes in retail, SME, and increasingly agricultural insurance markets with greater scale and brand recognition.
• Generali Switzerland: Swiss subsidiary of Generali Group offering P&C and life insurance. A broader incumbent competing in the Swiss retail and SME P&C market, though with less Swiss cooperative heritage.
• AXA Switzerland: Swiss subsidiary of global AXA Group offering P&C, life, and health insurance to retail and SME customers across Switzerland. A major direct competitor for retail and SME insurance products with significantly greater scale.
• Bâloise Group: Swiss insurance group offering P&C, life, and pensions with strong Swiss retail and SME presence. Competes directly with Emmental for Swiss household, building, and SME insurance customers but with a much broader product portfolio.
• Helvetia Insurance: Major Swiss insurance group offering P&C, life, and other insurance products across Switzerland and Europe. Larger and more diversified but directly competes in the same Swiss retail, SME, and agricultural P&C segments.

Direct peers

• Die Mobiliar: Switzerland's largest customer-owned mutual insurance company, with the same cooperative (Genossenschaft) ownership structure and a P&C focus across retail, SME, and agricultural customers. Closest peer by mutual model, product mix, and regional agency-led distribution.
• Vaudoise Insurance: Swiss cooperative-style insurer with similar mutual roots, focused on retail and SME P&C insurance across Switzerland's French-speaking regions. Comparable in cooperative governance, customer segments, and regional agency distribution.

Others

• Assura: Swiss health insurance cooperative sharing the cooperative ownership structure and Swiss market focus with Emmental. Operates in health rather than P&C insurance, making the connection thematically related via governance model rather than direct product overlap.
• Sympany: Swiss health insurance cooperative with shared cooperative (Genossenschaft) ownership structure and similar regional Swiss roots, but operating primarily in mandatory and supplementary health insurance rather than P&C. Thematically related via mutual governance model.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/emmentalVersicherungPfannenstiel
• LinkedInlinkedin.com/company/emmental-versicherung

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Emmental Versicherung