What Bornholms Brandforsikring does

Bornholms Brandforsikring A/S is a Danish regional non-life insurance company founded in 1855, headquartered in Rønne on the island of Bornholm in the Baltic Sea. The company explicitly restricts its underwriting to Bornholm ('Vi tegner kun forsikringer på Bornholm'), serving the island's roughly 40,000 residents plus vacation-home owners and local businesses through a portfolio of approximately 23 personal and commercial insurance products. Personal lines include house, household contents, family, annual travel, accident, children's accident, dog liability, holiday home, motorcycle, moped, and camper/trailer coverage; commercial lines cover buildings, contents, commercial vehicles, liability, all-risk IT, machine breakdown, refrigeration, pest damage, and agricultural insurance. Governance sits under a parent cooperative, Bornholms Brand A.m.b.a, with the operating entity structured as a public limited company (A/S); the company is regulated by Finanstilsynet and is a member of the Danish Guarantee Fund for Non-Life Insurance Companies.

The company operates a digital insurance platform consisting of an online price calculator (beregner.bornbrand.dk), a self-service policy management portal ('Mine sider'), and a damage-reporting gateway. This digital layer is paired with a physical distribution network of two branch offices (Rønne headquarters and Nexø), phone-based customer service, and a curated ecosystem of service partners covering emergency building restoration (BELFOR Denmark, Boskovs Skadeservice), local and national roadside assistance (Viking Bornholm, SOS Dansk Autohjælp), and international travel emergency support (SOS International). The revenue model is subscription-based recurring insurance premiums billed annually, with risk-based individual underwriting and transparent statutory pass-through fees (Miljøbidrag 84 DKK on car liability, Naturskadeafgift 40 DKK on building and contents, Garantifonden contribution 40 DKK per policy). Marketing runs through the website calculator, Facebook, Trustpilot, and direct phone/office contact. Headcount is 11-50, revenue is undisclosed, and no funding, M&A, or leadership changes are recorded.

Name

Bornholms Brandforsikring

Legal name

Bornholms Brandforsikring A/S

Website

https://bornbrand.dk

Company type

Private

Founded year

1855

Operating status

Operating

Headcount range

11–50 employees

Short description

Bornholms Brandforsikring A/S is a 1855-founded Danish regional non-life insurer that exclusively underwrites personal and commercial policies for residents and businesses on the island of Bornholm via online, phone, and branch channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Rønne

HQ country

Denmark

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Bornholms Brandforsikring generates revenue through collecting insurance premiums from policyholders across their range of personal and commercial insurance products including home, contents, vehicle, travel, accident, and business insurance.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Bornholms Brandforsikring A/S is a regional insurance company founded in 1855, exclusively writing insurance policies for private individuals and commercial customers on the Danish island of Bornholm. It offers a comprehensive suite of products covering homes, vehicles, travel, accidents, liability, children, pets, holiday homes, and various commercial risks including buildings, contents, vehicles, IT, machinery, refrigeration, pests, and agriculture, with optional add-ons and 24/7 partner-assisted roadside and health support services.

Product overview

Bornholms Brandforsikring is a Danish non-life insurance company offering a comprehensive portfolio of insurance products for both private individuals and businesses. The product portfolio includes core personal insurance products (house, car, family/household contents, travel, accident, children's accident, dog liability, holiday home, holiday home contents, motorcycle, moped, camper/trailer, and contractor insurance) and commercial/business insurance products (commercial building, business contents, commercial vehicle, commercial and product liability, all-risk IT, machine, refrigeration, pest control, and agricultural insurance). The company also offers a health assistance add-on service with family insurance that provides access to Danish doctors via mobile phone. Bornholms Brandforsikring primarily serves customers on Bornholm island and is a member of the Guarantee Fund for Non-Life Insurance Companies (Garantifonden for Skadeforsikringsselskaber).

Differentiator

Problem solved

Functional benefit

Products and services

• Private Home and Building Insurance Property insurance for private homeowners on Bornholm, covering dwellings and buildings against standard property risks with optional add-on coverage.
• Private Car Insurance Vehicle insurance covering private car owners on Bornholm, including optional 24/7 roadside assistance through partner networks (Viking, SOS Dansk Autohjælp).
• Family Insurance Combined personal insurance product designed for families, bundling coverage for multiple household members.
• Travel Insurance Travel insurance for private customers traveling from Bornholm, typically bundled with health assistance services through SOS International.
• Accident Insurance Personal accident insurance covering individuals against injury-related risks.
• Children Insurance Specialized insurance coverage for children as part of the private product line.
• Dog Liability Insurance Liability insurance for dog owners on Bornholm, covering damages caused by their pets.
• Holiday Home Insurance Property insurance specifically for holiday/secondary homes on Bornholm.
• Motorcycle Insurance Personal motorcycle insurance for private owners on Bornholm.
• Moped Insurance Personal moped insurance for private owners on Bornholm.
• Camper and Trailer Insurance Personal insurance covering campers and trailers for private owners on Bornholm.
• Private Contractor Insurance Specialized insurance for private contractors (håndværker) working on Bornholm.
• Commercial Building Insurance Property insurance for commercial buildings operated by businesses on Bornholm.
• Commercial Contents Insurance Insurance covering contents and inventory of commercial premises on Bornholm.
• Commercial Vehicle Insurance Vehicle insurance for commercial vehicles and fleets operated by businesses on Bornholm.
• Commercial Liability Insurance Liability insurance covering businesses against third-party claims and operational risks.
• Commercial IT Insurance Specialty insurance covering IT-related risks for commercial operations on Bornholm.
• Commercial Machine Insurance Insurance covering machinery breakdown and related operational risks for businesses.
• Commercial Refrigeration Insurance Specialty insurance covering refrigeration system failures and related business interruption risks.
• Commercial Pest Insurance Specialty insurance covering pest infestation damages and related business risks.
• Agricultural Insurance Specialized insurance coverage for agricultural operations and farms on Bornholm.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core.

• BELFOR Denmark A/ScoreImplementation/ SI/ Consulting PartnerEmergency building restoration partner providing 24/7 services for acute building damage including fire, water, and storm damage. Contact: 70 20 81 23.
• Boskovs SkadeservicecoreImplementation/ SI/ Consulting PartnerDamage service partner for property damage response and restoration services. Contact: 88 444 112.
• SOS Dansk AutohjælpcoreImplementation/ SI/ Consulting PartnerRoadside assistance partner providing vehicle breakdown services throughout Denmark. Part of the company's vejhjælp (roadside assistance) insurance add-on.
• Viking (Bornholm)coreImplementation/ SI/ Consulting PartnerLocal roadside assistance partner specifically for Bornholm island. Contact: 22 60 75 34. Provides localized vejhjælp coverage for vehicles that never leave Bornholm.
• SOS InternationalcoreImplementation/ SI/ Consulting PartnerInternational alarm center for emergency assistance abroad including medical emergencies and roadside assistance during international travel. Contact for travel emergencies: +45 38 48 80 27, for car breakdown abroad: +45 70 10 50 52.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Codan Denmark: Codan is a long-established Danish non-life insurance brand (part of Intact Financial) offering personal and commercial P&C products through brokers and direct channels. It is comparable as a Danish P&C competitor with overlapping home, motor, family, and commercial coverage.
• Alm. Brand: Alm. Brand is a major Danish insurance and banking group with deep mutual-heritage roots and a broad personal and commercial P&C portfolio across Denmark. It is comparable as a Danish insurer serving overlapping customer segments (home, auto, family) through both digital and physical channels, though at significantly larger scale.
• Tryg: Tryg is a leading Scandinavian non-life insurance group operating across Denmark, Norway, and Sweden with personal and commercial P&C products. It is comparable as a regional P&C carrier offering the same core lines (home, motor, family, travel) and competing for the same Danish consumer wallet.
• Topdanmark: Topdanmark is one of Denmark's largest non-life insurance companies offering personal and commercial P&C products. It is comparable as a Danish direct and broker-distributed P&C carrier with overlapping product lines in home, motor, travel, and accident insurance, but operates nationally at much larger scale.
• If Skadeförsäkring: If is a major Nordic P&C insurance group offering personal and commercial non-life products across the Nordics and Baltics. It is comparable as a broad P&C underwriter with overlapping home, motor, travel, and commercial lines targeting Danish and broader Nordic consumers.
• Gjensidige Forsikring: Gjensidige is a leading Scandinavian mutual insurance company with a strong local-presence distribution model across the Nordics. It is comparable for its mutual ownership heritage and P&C product portfolio (home, motor, travel, accident, commercial), though it operates across multiple Nordic geographies at much greater scale.

Direct peers

• LB Forsikring: LB Forsikring was a Danish mutual insurance company with strong roots in local member ownership and a focus on private customers, similar in heritage and customer-centric cooperative model to Bornholms Brandforsikring. Although now part of Alm. Brand, it represents the closest historical analog of a Danish regional mutual P&C insurer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/bornholmsbrand

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Bornholms Brandforsikring