Öffentliche Oldenburg

What Öffentliche Oldenburg does

Öffentliche Oldenburg, legally Öffentliche Versicherungen Oldenburg, is a German public-law insurance institution (Anstalt des öffentlichen Rechts) headquartered in Oldenburg, Lower Saxony, with a stated founding heritage dating to 1764. It operates as a consortium of two supervised public-law entities — the Oldenburgische Landesbrandkasse (property and casualty) and the Öffentliche Lebensversicherungsanstalt Oldenburg (life) — both registered at Staugraben 11, 26122 Oldenburg and overseen by the Lower Saxony Ministries of Economics and Finance. The group serves three customer segments: private customers (Privatkunden), business customers (Firmenkunden), and farmers (Landwirte), with a portfolio spanning motor, household and building, liability and legal protection, accident and income protection, supplementary and private health, life and pension, travel, pet, and agricultural products.

The underlying technology stack is described as a standard insurance platform with a digital self-service layer (Meine Öffentliche customer portal, mobile apps, messenger service), a knowledge base, online magazine, weather-alert service (Wetterdienste), and an interactive safety-education tool (Interaktives Sicheres Haus). No APIs, SDKs, or proprietary AI/ML components are disclosed. Distribution is multi-channel and anchored by a regional field-advisor network, Sparkassen savings-bank branches (notably the Landessparkasse zu Oldenburg), approved partner workshops for motor claims, and the digital self-service channels; the Hof-Check free on-site farm safety consultation supports the agricultural vertical.

The business model is recurring premium income across P&C and life/health lines, with revenue generated from individual and corporate policyholders. Pricing is quote-based and not publicly disclosed, with named reference points including a €15.99/year motor Schutzbrief, age-banded accident tariffs (Kinder up to 18, young adult up to 25), and family packages with specified capital and income-replacement amounts. Health products are underwritten in cooperation with ALTE OLDENBURGER Krankenversicherung AG (Vechta), and the InvestRente 2.0 unit-linked pension is offered with Deka investment funds, indicating a partnership-mediated rather than fully in-house product architecture.

Name

Öffentliche Oldenburg

Legal name

Öffentliche Versicherungen Oldenburg

Website

https://oeffentlicheoldenburg.de

Company type

Private

Founded year

1764

Operating status

Operating

Headcount range

101–250 employees

Short description

Öffentliche Oldenburg is a German public-law insurance institution serving private, business, and agricultural customers in Lower Saxony with P&C, life, health, and pension products, distributed via a regional advisor network, Sparkassen branches, and digital self-service channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Oldenburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Property & Casualty Insurance (Sachversicherungen): Core property and casualty insurance products including vehicle, home, liability, legal protection, and accident insurance. Revenue is generated through recurring premiums paid by individual and business customers.
2. Life & Health Insurance (Personenversicherungen): Life insurance, pension/rente products, health insurance, and supplementary health coverage. Revenue is generated through recurring premiums and single payments.
3. Agricultural Business Insurance: Specialized insurance products for farmers including crop, livestock, machinery, and farm operations coverage.
4. Corporate Employee Benefits: Company pension schemes (betriebliche Altersversorgung), group accident insurance, and corporate health insurance plans sold to businesses.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

Öffentliche Oldenburg is a German public-law insurance institution providing a comprehensive range of personal, commercial, and agricultural insurance products. Its portfolio covers motor, household, building, liability, legal protection, accident, health, life/pension, travel, pet, and farm insurance. The company operates as a consortium of two public-law entities, supervised by the Lower Saxony state government.

Product overview

Öffentliche Oldenburg is a German public insurance company (Öffentliche Versicherungen Oldenburg) offering a comprehensive portfolio of insurance products and financial services. The company operates as a unified insurance group comprising the Oldenburgische Landesbrandkasse (property and casualty insurance) and Öffentliche Lebensversicherungsanstalt Oldenburg (life and health insurance). The product portfolio spans personal lines (vehicle, liability, household, building, legal protection, health, pension), commercial lines (commercial property, D&O, employee benefits), and agricultural insurance. Key products include Kfz-Versicherung for vehicles, Privathaftpflichtversicherung for liability, Unfallversicherung for accident coverage, Private Krankenversicherung for health, InvestRente 2.0 for investment-linked pensions, GewerbeSchutz for commercial coverage, and specialized agricultural products like Photovoltaikversicherung and Tier-Ertragsschadenversicherung. The company also provides digital services including Meine Öffentliche customer portal, mobile apps, and messenger services.

Differentiator

Problem solved

Functional benefit

Products and services

• Kfz-Versicherung (Vehicle Insurance) Vehicle insurance covering car liability, partial comprehensive, and full comprehensive coverage for private car owners in the Oldenburg region, with optional protection letter services.
• Privathaftpflichtversicherung (Private Liability Insurance) Private liability insurance protecting individuals against third-party claims for personal, property, and financial losses, with coverage up to 50 million euros.
• Hausratversicherung (Household Contents Insurance) Household contents insurance covering damage to or loss of personal belongings in the home for private households.
• Wohngebäudeversicherung (Residential Building Insurance) Building insurance protecting residential properties against structural damage for homeowners.
• Rechtsschutzversicherung (Legal Protection Insurance) Legal protection insurance covering legal costs, lawyer fees, and court expenses for covered legal disputes for private individuals.
• Unfallversicherung (Accident Insurance) Accident insurance providing financial protection against accident-related injuries with coverage including progressive models up to 500%.
• Berufsunfähigkeitsversicherung (Occupational Disability Insurance) Occupational disability insurance protecting income when the policyholder is unable to work due to illness or accident.
• Private Krankenversicherung (Private Health Insurance) Private health insurance offering individually tailored coverage with guaranteed lifetime benefits, offered in cooperation with ALTE OLDENBURGER Krankenversicherung AG.
• Krankenhauszusatzversicherung (Hospital Supplementary Insurance) Hospital supplementary insurance enabling private patient status with single or double room accommodation and specialist treatment by senior physicians.
• Zahnzusatzversicherung (Dental Supplementary Insurance) Dental supplementary insurance covering dental treatments such as implants, crowns, and orthodontics beyond standard statutory health insurance.
• Pflegeversicherung (Care Insurance) Care insurance covering nursing care costs with flexible daily allowance options across five care levels for elderly and care-dependent individuals.
• KonzeptRente Privat (Private Pension Plan) Private pension insurance product for retirement savings and income protection for individual customers.
• InvestRente 2.0 (Investment-linked Pension) Investment-linked pension combining capital market returns with private pension insurance benefits, using Deka investment funds.
• KonzeptRente Firmen (Company Pension Scheme) Company pension scheme (betriebliche Altersvorsorge) for employee retirement planning through salary conversion offered to businesses.
• Reiseversicherung (Travel Insurance Package) Travel insurance package including travel health insurance and travel cancellation coverage for private travellers.
• Tierkrankenversicherung (Pet Health Insurance) Pet health and surgery insurance for dogs, cats, and horses covering veterinary costs and operations.
• CyberSchutz (Cyber Insurance) Cyber insurance protection against digital threats, hacking, and cyber incidents for individuals and businesses.
• GewerbeSchutz (Commercial Property Insurance) Commercial property and business assets insurance protecting companies against operational risks for SMEs and businesses.
• D&O Versicherung (Directors and Officers Liability) Directors and Officers liability insurance protecting company management against professional liability claims.
• Betriebliche Krankenversicherung (Company Health Insurance)

Quantifiable outcome

• Kfz-Haftpflichtversicherung Deckungssumme: 100 Mio. EUR, davon 15 Mio. EUR je geschädigte Person bei Personenschäden
• +1 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• ALTE OLDENBURGER Krankenversicherung AGcoreStrategic or Co-development PartnerÖffentliche Oldenburg offers health and care insurance products (private Krankenversicherung, Zahnzusatz, ambulante Zusatz, Krankenhauszusatz, Pflegezusatz) in cooperation with ALTE OLDENBURGER Krankenversicherung AG, Alte-Oldenburger-Platz 1, 49377 Vechta, Registergericht: Amtsgericht Oldenburg HRB 110012, Sitz Vechta.
• Deka (DekaBank Deutsche Girozentrale)coreTechnology or IntegrationThe InvestRente product, which combines investment fund opportunities from capital markets with private pension insurance benefits, is offered with investment funds of Deka (Deutsche Girozentrale).
• Landessparkasse zu Oldenburg (Lzo)coreChannel Partner/ Reseller/ DistributorLandessparkasse zu Oldenburg serves as the primary banking partner for Öffentliche Oldenburg. IBAN: DE93 2805 0100 0000 4093 67 (SLZODE22XXX) and DE47 2805 0100 0092 4238 13.
• valanticminorImplementation/ SI/ Consulting Partnervalantic is credited with the conception, design, and development of the Öffentliche Oldenburg website.
• Hasbro / Peppa Pig (Licensed Brand)minorGTM or Marketing PartnerHasbro's Peppa Pig characters are used under license (Hasbro/Hasbro Consumer Products Licensing Ltd. Peppa Pig © 2003 Astley Baker Davies Ltd. and HCPL Ltd. All Rights Reserved) for the family insurance marketing campaign to make insurance products accessible and engaging for families with children.
• Sparkassen (Regional Savings Banks)coreChannel Partner/ Reseller/ DistributorÖffentliche Oldenburg distributes insurance products through Sparkassen branches in Lower Saxony, providing customers with convenient local access to insurance products alongside banking services. Insurance certificates (VB numbers) can be obtained through Sparkassen.
• Partnerwerkstätten (Partner Workshops)minorChannel Partner/ Reseller/ DistributorNetwork of approved partner workshops (Partnerwerkstätten) providing vehicle repair services for customers with motor insurance claims.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Öffentliche Oldenburg