Waldenburg insurance

What Waldenburg insurance does

Waldenburger Versicherung AG is a German property and casualty insurance company headquartered in Waldenburg, Baden-Württemberg, with a secondary operational office in Mannheim. It is a wholly-owned subsidiary of the Würth-Gruppe, a global diversified conglomerate based in Künzelsau, and operates as an independent AG under BaFin supervision. The company targets two primary customer segments: private individuals and families (12 personal lines including household contents, personal liability, pet liability, accident, children's accident, bicycle, residential building, glass, wedding, and a renewable-energy cluster of photovoltaic, balcony PV, and heat pump insurance) and small and medium-sized German businesses (Betriebshaftpflicht-Bau, Betriebshaftpflicht-Gewerbe, Elektronik-Pauschal-Police, Gewerbe-Sach-Police, Multi-Risk-Police, plus commercial renewable-energy products).

The company generates revenue through recurring insurance premiums paid annually, semi-annually, or monthly via SEPA direct debit or invoice across its 17 products. Its go-to-market combines three coordinated channels: direct online sales via public tariff calculators (tarifrechner.waldenburger.com) and online application forms, a BiPRO-compliant broker and multi-agent portal (portal.waldenburger.com) for intermediary distribution, and a phone-based inside sales and service organization. It also distributes its photovoltaic insurance through the Covomo online comparison platform. Pricing is publicly disclosed for most private products and ranges from €39 per year for balcony PV coverage to tiered monthly rates for children's accident insurance (€2.70–€9.19 per month depending on tier).

The underlying technology stack is conventional insurance infrastructure: Oracle database systems (ICIS), BiPRO standard interfaces for broker document exchange, web-based tariff calculators, and online policy issuance flows. The company has invested in product branding around sustainability via the greensFAIR® ESG add-on conditions and the Waldenburger Zukunftshelden community program, and has won consecutive 'Deutschlands Spar-Champion' awards for household contents insurance (2024, 2025) and the 2023 Deutscher Versicherungs-Award sustainability special prize. Headcount is not disclosed but is implied to be in the low hundreds across two locations; the company describes itself as a 'young and fast-growing' insurer with flat hierarchies and an active apprenticeship pipeline for both insurance clerks and IT specialists.

Name

Waldenburg insurance

Legal name

Waldenburger Versicherung AG

Website

https://waldenburger.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Waldenburger Versicherung AG is a German P&C insurer and Würth-Gruppe subsidiary offering 17 personal and commercial products, including household, liability, accident, and renewable-energy coverage, distributed through direct online, broker, and inside-sales channels across Germany.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance

NAICS

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

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

akta.pro secondary industry

General Liability Insurance (FSAJAMAE)

Keywords

• Property and casualty insurance
• Personal liability insurance
• Household contents insurance
• Commercial liability insurance
• Renewable energy insurance

Headquarters

HQ city

Waldenburg

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Traditional insurance company generating revenue through收取保险费 (premium collection) across property and casualty lines for private and commercial customers. Premiums are collected annually, semi-annually, or monthly via SEPA direct debit or invoice.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Waldenburger Versicherung AG is a German property and casualty insurer that sells 17 distinct insurance products across three segments: private customers (e.g., household contents, personal liability, accident, bicycle, wedding, glass, residential building, pet liability), commercial/SME customers (operating liability, construction liability, electronics, commercial property, multi-risk), and renewable energy systems (photovoltaic, balcony PV, heat pump). Products are distributed via online tariff calculators, a BiPRO-compliant broker portal, and direct intermediary relationships, with annual/semi-annual/monthly premium billing.

Product overview

The Waldenburger Versicherung AG offers a diversified insurance product portfolio consisting of 17 distinct insurance products across three main segments: private customers (12 products), commercial/business customers (5 products), and renewable energy products. Private customer offerings include Hochzeitsversicherung (wedding insurance), Hausratversicherung (home contents insurance), Glasversicherung (glass insurance), Privathaftpflichtversicherung (personal liability), Tierhalterhaftpflichtversicherung (pet owner liability), Unfallversicherung (accident insurance), Kinderunfallversicherung (children's accident insurance), Fahrradversicherung (bicycle insurance), and Wohngebäudeversicherung (building insurance). Sustainable energy products include Photovoltaikversicherung (photovoltaic insurance), Balkonkraftwerkversicherung (balcony power plant insurance), and Wärmepumpenversicherung (heat pump insurance) - the latter available for both private and commercial customers. Commercial offerings include Betriebshaftpflicht-Bau (construction liability), Betriebshaftpflicht-Gewerbe (commercial liability), Elektronik-Pauschal-Police (electronics blanket policy), Gewerbe-Sach-Police (commercial property), and Multi-Risk-Police (multi-risk package). The company operates primarily through direct online channels including tariff calculators, online application forms, and a broker portal, with no API for external integrations.

Differentiator

Problem solved

Functional benefit

Brands

• greensFAIR®: ESG (Environmental, Social, Governance) add-on conditions for sustainable insurance products
• Waldenburger Zukunftshelden
• Green's Fair®

Products and services

• Hochzeitsversicherung (Wedding Insurance)

Quantifiable outcome

• Won 'Deutschlands Spar-Champion 2025' in the household contents insurance category

Named customers3 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered minor.

• Covomo Versicherungsvergleich GmbHminorChannel Partner/ Reseller/ DistributorWaldenburger Versicherung entered into a distribution partnership with Covomo Versicherungsvergleich GmbH. The photovoltaic insurance product of Waldenburger is now also available directly through Covomo's insurance comparison platform, extending Waldenburger's reach into the online comparison shopping segment.
• Volfair GmbH (Hamburg)minorOthersVolfair GmbH in Hamburg participated in the 'Managers lend a hand' initiative where Waldenburger Vorstand Antonio Niemer spent time at Volfair to understand the daily challenges of distribution partners.
• Wirtschaftsberatung Janson (Halle/Saale)minorOthersWirtschaftsberatung Janson in Halle/Saale participated in the 'Managers lend a hand' initiative where Waldenburger Vorstand Thomas Gebhardt visited to understand daily challenges of distribution partners.
• Versicherungen Gebauer (Ziegenrück)minorOthersVersicherungen Gebauer in Ziegenrück participated in the 'Managers lend a hand' initiative where Waldenburger Vorstand Thomas Gebhardt visited to understand daily challenges of distribution partners and customers.
• GETService GmbH (Hamburg)minorOthersGETService GmbH in Hamburg participated in the 'Managers lend a hand' initiative where Waldenburger Vorstand Antonio Niemer visited to understand operational challenges and strengthen business relationships.
• Hesse Versicherungsmakler (Halle/Saale)minorOthersHesse Versicherungsmakler in Halle/Saale participated in the 'Managers lend a hand' initiative where Waldenburger Vorstand Thomas Gebhardt visited the brokerage office to understand the daily challenges of insurance brokers and strengthen the partnership.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• R+V Versicherung: One of Germany's largest insurance groups (cooperative/cooperative banking sector affiliated) offering broad P&C, life, and health lines to private and commercial customers. Comparable product breadth but materially larger scale than Waldenburger.
• Allianz Deutschland: German arm of the global Allianz Group, the dominant incumbent in German P&C and life insurance with comprehensive private and commercial product offerings. Comparable as a direct competitor across overlapping product lines, though orders of magnitude larger.
• Gothaer Versicherung: Cologne-based mutual German insurer offering broad P&C, life, and health lines to private and commercial customers via brokers. Comparable as an established German P&C player with overlapping product suite though materially larger.
• Zurich Insurance Germany: German operations of Zurich Insurance Group offering P&C and selected specialty lines to private and SME customers via brokers and direct channels. Comparable product overlap with much larger capital base and brand reach.

Direct peers

• Concordia Versicherung: German mutual insurer offering private P&C, liability, and commercial lines primarily to retail and SME customers via broker and direct channels. Similar regional, mutual-style positioning with comparable product breadth.
• Barmenia Versicherungen: German mutual insurer providing health, P&C, and life coverage with a multi-channel distribution approach including brokers and direct sales. Comparable in serving private and small commercial customers with a diversified product portfolio.
• HUK-Coburg: Large German mutual insurer with a strong direct and broker distribution model offering P&C, motor, and personal lines to private and SME customers. Highly comparable as a German mid-to-large P&C carrier competing across similar private and commercial product segments.
• VHV Versicherungen: Hannover-based German P&C insurer focused on construction trades, SME commercial liability, and selected private lines. Comparable in its Mittelstand/SME orientation and broker-led distribution alongside direct channels.
• Mannheimer Versicherung: Heidelberg-based German insurer offering P&C and specialty lines (including pet/animal liability and selected niche covers) via broker network. Comparable as a mid-sized German carrier with niche product specialization and broker-led distribution.
• InterRisk Versicherungen: Wiesbaden-based German P&C insurer specializing in casualty, property, and specialty lines for SMEs and selected private customers. Comparable as a mid-sized niche-focused German carrier with broker distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/waldenburger-versicherung-ag

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Waldenburg insurance