GRAWE

What GRAWE does

GRAWE (Grazer Wechselseitige Versicherung Aktiengesellschaft) is one of Austria's oldest insurers, founded in 1828 by Archduke Johann as a mutual fire insurance company in Graz. Today it operates as a multi-line Austrian insurer offering private, business, and agricultural insurance under sub-brands GRAWE PRIVAT (household/property), GRAWE AUTOMOBIL (motor liability and casco), GRAWE BETRIEB (SME bundle), GRAWE VORSORGE (life and pension including FONDSFLEX PENSION), GRAWE MyMED (private supplementary health), GRAWE TRAVELSTAR (travel), GRAWE sidebyside (youth up to 25), and niche lines such as Jagdversicherung, Musikinstrumentenversicherung, and Veranstalter-Haftpflichtversicherung für Maturabälle. It also acts as an insurance broker and intermediates mortgage, personal loans and securities in connection with insurance contracts. The company sits inside the broader GRAWE Group, which the company and recent press describe as operating across 14 European countries through 20 insurance companies (including GRAWE Cyprus and GRAWE România) with approximately 7.6 million contracts in force and over 5,300 employees, reporting EGT of €202.4M for 2025.

GRAWE's technology stack centres on an in-house policy administration and customer portal (portal.grawe.at) backed by an ISO 27001- and TÜV Trusted Data Center-certified data centre in Graz. The company is a joint controller of the Audatex-operated GDH vehicle damage database (queried by VIN to surface prior damage history in motor claims) and a delegated authority for Kfz-Zulassung (vehicle registration), giving it regulatory-grade integration into Austria's motor-insurance data backbone. It also participates in VVO-operated industry services covering co-insurance settlement, Bonus-Malus class transfer, the life-insurance information-verbund, the LET-Tilgungsträgerdatenbank, and the Schlichtungsstelle Krankenversicherung. Treasury operations at the Romanian subsidiary were automated with Finqware's FinqTreasury cloud platform in February 2026. Customer-facing product differentiators include a multi-tier Bonus-Malus system with a Superbonus feature (up to six super-bonus classes, with a "Freischaden" tier where one claim does not raise the premium), a 24/7 home-assistance hotline (GRAWE HELP COMPLETE) for premium-tier household policies, and modular online-concludable travel and bicycle-theft products. No public developer API is offered.

Revenue is generated primarily through recurring insurance premiums (typically annual in advance) across personal, commercial and agricultural lines, supplemented by reinsurance, intra-group administrative and IT services, real-estate rental and management via subsidiaries GRAWE IMMO AG (Graz) and ImmoPro Immobilien GmbH (Salzburg, Innsbruck), and insurance-intermediation commissions. Distribution is sales-led through an Austria-wide network of Kundenberater, regional Landesdirektionen, Kundencenter, a dedicated broker/agent channel with a Maklerbetreuer in Upper Austria, and Kfz-Zulassungsstellen; selected simple products are sold via online self-service. Customer segments span Privatkunden, Firmenkunden, agricultural operators, youth under 25, and micro-business / event organisers.

Name

GRAWE

Legal name

Grazer Wechselseitige Versicherung Aktiengesellschaft

Website

https://grawe.at

Company type

Private

Founded year

1828

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

GRAWE is one of Austria's oldest insurers (founded 1828), providing private, business and agricultural insurance across Austria and 13 other European countries through the GRAWE Group's 20 insurance companies, anchored by an in-person Kundenberater network and serving roughly 7.6 million contracts.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Insurance Agencies and Brokerages (52421)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Specialty & Excess/Surplus Lines (E&S) (FSAJAMAH)

Keywords

• Personal insurance products
• Commercial insurance coverage
• Agricultural insurance lines
• Motor liability insurance
• Life and pension insurance

Headquarters

HQ city

Graz

HQ country

Austria

HQ region

Europe

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance premiums (recurring and single): Core revenue from insurance premiums across life, health, motor (Kfz-Haftpflicht), household/property (Eigenheim/Haushalt), accident, legal protection, liability, travel and agricultural lines. Premiums are typically paid annually in advance; travel and bicycle theft are one-off per trip/policy year. Group EGT 2025 of €202.4 million.
2. Reinsurance and intra-group services: Per the company Impressum, GRAWE also operates reinsurance across all insurance branches and provides administrative and IT services to group-affiliated companies (e.g., GRAWE IT GmbH, GRAWE IMMO AG, ImmoPro Immobilien GmbH).
3. Real estate and property management (via GRAWE IMMO AG / ImmoPro): Rental and property management of Liegenschaften (real estate) handled through subsidiaries GRAWE IMMO AG (Graz) and ImmoPro Immobilien GmbH (Salzburg, Innsbruck).
4. Insurance intermediation commissions: Per Impressum Unternehmensgegenstand, GRAWE acts as insurance broker ('Versicherungsmakler') and advisor in insurance matters, and intermediates mortgage loans, personal loans and securities in connection with insurance contracts.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels9 records

Core offering

GRAWE is an Austrian insurance company offering a comprehensive range of personal, commercial and agricultural insurance products including motor liability (Kfz-Haftpflicht), household/home (Eigenheim & Haushalt), life and pension (Vorsorge/Lebensversicherung), supplementary health (MyMED), accident, legal protection, liability, travel, business bundle and specialized niche covers. The company also intermediates mortgage and personal loans and provides real estate and IT services through wholly-owned subsidiaries GRAWE IMMO AG, ImmoPro Immobilien GmbH and GRAWE IT GmbH.

Differentiator

Problem solved

Functional benefit

Brands

• GRAWE sidebyside: Youth insurance brand offering products for customers up to 25 years of age (e.g., Haushaltsversicherung with monthly fixed premium €3.50–€7.00, Kfz-Haftpflichtversicherung with SchadenFreude benefit).
• GRAWE MyMED
• GRAWE TRAVELSTAR
• GRAWE PRIVAT
• GRAWE BETRIEB
• GRAWE AUTOMOBIL
• GRAWE HELP COMPLETE

Products and services

• GRAWE PRIVAT (Haushalts- und Eigenheimversicherung) Private household and home contents insurance for individuals and families covering fire, storm (including hail), water-pipe damage, glass breakage, burglary/theft, with included private liability cover up to €5 million; optional add-ons for bicycle theft, dog liability and outdoor module; Topschutz Plus tier adds gross-negligence cover and 24/7 GRAWE HELP COMPLETE home assistance hotline.
• GRAWE AUTOMOBIL (Kfz-Haftpflicht & Kfz-Kasko) Statutory motor-vehicle liability insurance plus optional comprehensive cover valid across Europe, featuring the multi-tier Bonus-Malus system with Superbonus (up to 6 super-bonus levels; at the top tier one claim is a Freischaden with no premium impact), Wenigfahrerbonus (12% premium refund for claim-free drivers under 7,000 km/year), family bonus transfer and Lkw-Bonus up to 55% premium savings.
• GRAWE BETRIEB (Betriebs-Bündelversicherung) Bundled commercial insurance package for SMEs combining operational liability, property, legal protection, business provision (betriebliche Vorsorge) and employee protection in a single product, with separate Betriebs-Haftpflicht and Betriebs-Rechtsschutz variants for businesses up to 25 employees.
• GRAWE VORSORGE / Lebensversicherung (incl. GRAWE FONDSFLEX PENSION) Life insurance and pension/provision product family covering risk provision, saving and pension provision, including the unit-linked GRAWE FONDSFLEX PENSION product aimed at younger customers starting from €50/month.
• GRAWE MyMED (Krankenversicherung) Private supplementary health insurance offering direct-billing arrangements with Austrian hospitals and medical chambers under §11b VersVG, including the youth-clinic Sonderklasse-after-accident cover (MyMEDclinic) for ages 18-25.
• GRAWE TRAVELSTAR (Reiseversicherung) Configurable modular travel insurance package composed of six base modules (extra return-trip cost, travel health/accident, baggage, personal liability, delay protection, 24h assistance) plus an optional cancellation/interruption add-on, designed for online self-service conclusion for individuals or families up to 2 adults + 5 children under 18.
• Fahrraddiebstahl-Versicherung (Bicycle theft insurance) Standalone bicycle theft insurance available for online conclusion; premium is 5% of the bicycle's new purchase price per year (e.g., €500 bike = €25/year) with a €200 deductible per claim and replacement-value scaling from 100% in years 1-2 down to 50% from year 6.
• Veranstalter-Haftpflichtversicherung für Maturabälle Organizer liability insurance for Austrian high-school graduation balls (Maturabälle), offering a coverage sum of €2 million, with one-off premium depending on the number of guests.
• Unfallversicherung (Accident insurance) Accident insurance covering both work and leisure accidents occurring in Austria and abroad.
• Rechtsschutzversicherung (Legal protection insurance) Legal protection insurance for the private sphere, covering legal costs and disputes in personal legal matters.
• Haftpflichtversicherung (Private liability insurance) Private liability insurance protecting individuals against unforeseeable everyday liability risks, with cover up to €5 million.
• GRAWE sidebyside (Jugendversicherung up to 25) Dedicated youth sub-brand offering affordable insurance products for customers up to age 25, including household insurance with monthly fixed premium €3.50–€7.00, motor insurance with SchadenFreude benefit, L17-Vorteil under 22, Mengenrabatt, MyMEDclinic health cover and Vorsorge products.
• Agrar-Bündelversicherung (Agricultural bundle insurance) Bundled insurance package tailored to Styrian farmers and agricultural businesses covering farm property, liability, legal protection and hunting-related risks in a single product.
• Jagdversicherung (Hunting insurance) Comprehensive insurance package designed for Styrian hunters covering hunting-related liability, weapons and accessories.
• Transportversicherung (Transport insurance) Insurance covering goods during transportation, intermediate storage and warehousing.
• Musikinstrumentenversicherung (Musical instrument insurance) Specialty insurance providing optimal coverage for musical instruments.
• Hausverwalter-Versicherung (Property manager insurance) Specialty insurance for property managers (Hausverwalter) covering professional liability and risks associated with managing real estate portfolios.
• Berufshaftpflichtversicherung für Ärzte & Zahnärzte Professional liability insurance tailored for physicians and dentists covering malpractice claims.
• Haftpflichtversicherung für Sachverständige & Dolmetscher Specialty liability cover for expert witnesses and interpreters against financial losses arising from their professional activities.
• Betriebliche Vorsorge (Company pension scheme) Company-sponsored pension scheme product enabling employers to provide additional pension benefits to their employees.
• GRAWE HELP COMPLETE (24/7 home assistance hotline) Round-the-clock home assistance hotline service bundled with the Eigenheim/Haushaltsversicherung Topschutz Plus policies, covering household emergencies.
• Haftpflichtversicherung für Green Care Anbieter Specialty liability cover for Styrian farmers offering Green Care services (social agriculture).
• Insurance intermediation & financial services Per Impressum Unternehmensgegenstand, GRAWE acts as insurance broker ('Versicherungsmakler') and advisor in insurance matters, and intermediates mortgage loans, personal loans and securities in connection with insurance contracts via partner companies.
• Real estate and property management (via GRAWE IMMO AG / ImmoPro) Rental and property management of real estate (Liegenschaften) handled through GRAWE Group subsidiaries GRAWE IMMO AG (Graz) and ImmoPro Immobilien GmbH (Salzburg, Innsbruck).

Quantifiable outcome

• EGT 2025 of €202.4 million across the GRAWE Group
• +3 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Finqware (FinqTreasury)coreTechnology or Integration · 1 February 2026GRAWE România deployed Finqware's FinqTreasury cloud-based treasury management platform in February 2026 to automate its treasury operations and reduce manual workload. The platform provides real-time cash visibility through direct bank connectivity and multi-bank integration. For Finqware, this adds a reference in the insurance segment where it targets insurers with high transaction volumes and strict regulatory traceability requirements.
• Audatex Österreich GmbH (GDH-Datenbank)coreTechnology or IntegrationAudatex operates the GDH-Datenbank (vehicle damage database) in which Austrian Kfz insurers, including GRAWE, act as joint controllers. The database enables VIN-based lookup of prior vehicle damage when producing motor damage expert reports, supporting consistent Kfz-Schadengutachten.
• Verband der Versicherungsunternehmen Österreichs (VVO)coreStrategic or Co-development PartnerGRAWE participates in multiple industry-wide data services operated by VVO as a data processor, including the Kfz-Zulassungsevidenz, Mitversicherungsverrechnung, Bonus-Malus system, the central information system in life insurance, the LET-Tilgungsträgerdatenbank, and the Schlichtungsstelle Krankenversicherung.
• MavieminorGTM or Marketing PartnerMavie provides GRAWE employees with free, anonymous, professional advice in all life situations as part of the company's Mental Health benefit offering. Referenced in GRAWE career benefit listings.
• GRAWE IMMO AGcoreOEM/ Whitelabel/ Licensing PartnerGRAWE IMMO AG (Kaiser-Josefs-Platz 1, A-8010 Graz) is a wholly-owned subsidiary acting as a contracted data processor for GRAWE's real-estate management operations, including Miet- und Bestandsverträge and Immobilienverwaltung.
• ImmoPro Immobilien GmbHcoreOEM/ Whitelabel/ Licensing PartnerImmoPro Immobilien GmbH is a GRAWE Group subsidiary operating property management offices in Salzburg and Innsbruck, with active job openings for Immobilienverwalter and accounting roles.
• GRAWE IT GmbHcoreOEM/ Whitelabel/ Licensing PartnerGRAWE IT GmbH is the in-house IT subsidiary of the GRAWE Group, currently hiring a Backup & Storage Administrator at the Graz office; provides IT services to the group.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Vienna Insurance Group (VIG): VIG is the largest insurance group in Austria and CEE, offering property/casualty, life and health products across 30 countries. Directly comparable to GRAWE on multi-line insurance offering, Austrian home-market presence and CEE expansion thesis.
• UNIQA Insurance Group: UNIQA is a leading Austrian insurer with a multi-line portfolio (motor, health, life, property) and broad CEE footprint (~18 countries). Direct competitor to GRAWE in Austria and across CEE, with comparable product breadth and agency/broker distribution.
• Donau Versicherung: Donau Versicherung is a Vienna-based Austrian insurer offering property, motor, life and health products. Closely overlaps GRAWE's Austrian retail and SME offering, and competes in the same Kundenberater/broker channel.
• Helvetia Insurance: Helvetia is a Swiss-headquartered multi-line insurer with strong presence in Austria, Germany, Italy and Switzerland offering property, motor and life products. Comparable mid-sized European insurance peer with similar product mix and multi-country footprint.
• Baloise Group: Baloise is a Swiss insurance and banking group operating across Switzerland, Germany, Belgium and Luxembourg with property/casualty and life lines. Comparable mid-size multi-line European insurer with a similar heritage-style brand and conservative capital stance.
• Wüstenrot Gruppe: Wüstenrot is an Austrian banking, insurance and real-estate group offering savings, financing and insurance products. Closely comparable to GRAWE's bundled insurance + real estate + financial-services model (GRAWE IMMO AG parallels Wüstenrot's Bausparkasse/real estate operations).

Broad incumbents

• Generali Group: Generali is one of Europe's largest insurance groups with material Austrian and CEE exposure through its local entities. It overlaps GRAWE on motor, property and life insurance but operates at much greater scale across more lines and geographies.
• Allianz SE: Allianz is a global insurance and asset-management giant with significant Austrian operations through Allianz Elementar and Allianz Pensionskasse. Comparable on multi-line insurance offering but vastly larger, with broader product and asset-management portfolio.
• Zurich Insurance Group: Zurich is a global multi-line insurer with Austrian operations across property, motor, life and commercial lines. Overlaps GRAWE on core lines but is several orders of magnitude larger and offers a much broader corporate and specialty portfolio.
• HDI Group (HDI V.a.G.): HDI is a German insurance group operating across Europe in property/casualty and life, with Austrian presence through HDI Versicherung AG. Comparable on multi-line European insurer profile but with broader industrial/commercial specialty emphasis.

Market position

Strengths5 records

Weaknesses1 record

Competitive moat6 records

Key risks7 records

Key highlights9 records

Customer concentration

• Facebookfacebook.com/GRAWE.at
• Instagraminstagram.com/GRAWE.at
• Xx.com/graweag

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries5 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 GRAWE