Ostangler Versicherungen
Ostangler Brandgilde VVaG (Ostangler Versicherungen) is a German mutual property and casualty insurer founded in 1788, serving private, commercial, agricultural, and technical insurance customers in Germany and Austria through broker channels and direct digital self-service.
- Company typePrivate
- Founded1788
- HeadquartersKappeln, Germany
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Ostangler Versicherungen does
Ostangler Brandgilde VVaG (operating as Ostangler Versicherungen) is one of Germany's oldest independent property and casualty insurers, founded in 1788 and headquartered in Kappeln, Schleswig-Holstein. The company is structured as a Versicherungsverein auf Gegenseitigkeit (VVaG), a mutual insurance association in which policyholders are simultaneously members and owners. It serves private individuals, small and medium businesses, agricultural operations, and technical-asset owners across four segments: private composite (residential building, household, personal liability, accident), commercial composite (business property, contents, commercial liability), agricultural (property, yield loss, liability), and technical insurance (machinery breakdown, biogas, electronics, photovoltaic). A cyber insurance product and bicycle, mobile home, construction performance, and agricultural legal protection lines round out the catalog.
The technology stack combines a BiPro-standardized broker integration, online self-service tariff calculators on the company website, and a customer portal at portal.oab.de that enables paperless contract management with a 3% environmental discount. Distribution is multi-channel: insurance brokers and intermediaries access a dedicated Vermittlerportal supported by Maklerbetreuer (broker managers) across regional offices in Kappeln, Quickborn, Angeln, Eckernförde, and Plön, while direct customers can transact online. Revenue is generated primarily from recurring insurance premiums, with incentives including the 3% paperless discount and a 5% discount on 3-year contracts. Geographic operations are concentrated in Germany with a cross-border Austrian extension established in 2021 via an Assekuradeur under the vereint.versicherung brand. The company is pursuing consolidation, announcing a strategic fusion with Landesschadenhilfe VaG in October 2024, scheduled to close in mid-2025, under which Ostangler Brandgilde will lead the combined entity and Landesschadenhilfe AG will operate as an underwriting office in Bad Fallingbostel.
Ostangler Versicherungen firmographics
Firmographics- Name
- Ostangler Versicherungen
- Legal name
- Ostangler Brandgilde VVaG
- Website
- https://ostangler.de
- Company type
- Private
- Founded year
- 1788
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Ostangler Brandgilde VVaG (Ostangler Versicherungen) is a German mutual property and casualty insurer founded in 1788, serving private, commercial, agricultural, and technical insurance customers in Germany and Austria through broker channels and direct digital self-service.
- Ownership category
- akta.pro rank
Ostangler Versicherungen industry classification
Industry- Product category
- Property and Casualty Insurance
- NAICS
- Direct Insurance (except Life, Health, and Medical) Carriers (52412)
- SIC
- Insurance Carriers, Nec (6399), Accident & Health Insurance (6321)
- akta.pro primary industry
- Commercial General Liability (CGL) (FSAJADAA)
Keywords
Where Ostangler Versicherungen is headquartered
LocationHeadquarters
- HQ city
- Kappeln
- HQ country
- Germany
- HQ region
- Europe
Offices7 records
Markets served
Ostangler Versicherungen business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Insurance Premiums: Revenue generated from insurance premiums across multiple product lines including private composite (residential building, household, personal liability, accident), commercial composite, agricultural, and technical insurance products.
- 3% Environmental Discount: Paperless customers receive 3% environmental discount on private contracts through the customer portal, demonstrating sustainable business model incentives.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | 3-Year Contract Discount |
| Subscription | Annual | Environmental Discount |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Ostangler Versicherungen product offering
Product offeringCore offering
Ostangler Versicherungen (operating as Ostangler Brandgilde VVaG) is a regional mutual insurance association that underwrites and distributes property and casualty insurance products. It offers private lines (residential building, household contents, private liability, accident), commercial lines (commercial property, commercial liability, machinery, electronics, glass, construction performance), and agricultural lines (farm property, biogas plant, photovoltaic, agricultural legal protection). A digital customer portal (Kundenportal) provides paperless policy administration and access to documents.
Product overview
Ostangler Brandgilde VVaG is a mutual insurance association (Versicherungsverein auf Gegenseitigkeit) offering a comprehensive portfolio of property and casualty insurance products. The company operates as a single unified insurance provider organized into three main business segments: Private Composite Insurance (Wohngebäude, Hausrat, Private Haftpflicht, Unfallversicherung), Commercial Composite Insurance (Geschäftsgebäude, Inhalt, Gewerbliche Haftpflicht), and Agricultural Insurance (Landwirtschaftliche Sach-, Ertragsausfall- und Haftpflichtversicherung). Additionally, the company offers Technical Insurance products including Maschinenbruch, Biogas, Elektronik, and Photovoltaik coverage. The product portfolio is accessible through a digital customer portal and tariff calculators, with digital processes based on BiPro standards. Customers can manage policies online, file claims digitally, and access various calculators for different insurance types.
Differentiator
Problem solved
Functional benefit
Products and services
- Wohngebäudeversicherung (Residential Building Insurance) Insurance product covering residential buildings against risks such as fire, water, storm, and other property damage for private homeowners.
- Hausratversicherung (Household Contents Insurance) Insurance product covering the contents of a private household against risks such as fire, water, storm, theft, and other damage for tenants and homeowners.
- Privathaftpflichtversicherung (Private Liability Insurance) Insurance product covering personal liability exposure for private individuals and families, protecting against third-party claims for damages.
- Unfallversicherung (Accident Insurance) Insurance product providing financial protection for private individuals in the event of accidents, covering injury, disability, and related consequences.
- Betriebshaftpflichtversicherung (Commercial Liability Insurance) Insurance product covering liability risks arising from the operations of small and mid-sized commercial businesses, including third-party damage and injury claims.
- Gewerbesachversicherung (Commercial Property Insurance) Insurance product covering commercial buildings, business contents, and equipment against property risks such as fire, water, storm, and theft.
- Landwirtschaftliche Sachversicherung (Agricultural Property Insurance) Insurance product covering agricultural buildings, equipment, and farm property against operational and natural risks for farming operations.
- Biogasanlagenversicherung (Biogas Plant Insurance) Specialized insurance product covering biogas plants and their associated equipment and operational risks for agricultural and renewable-energy operators.
- Photovoltaikversicherung (Photovoltaic Insurance) Insurance product covering photovoltaic installations and their operational risks for agricultural operators, businesses, and private owners of solar systems.
- Rechtsschutzversicherung Agrar (Agricultural Legal Protection Insurance) Legal protection insurance tailored to agricultural operations, covering legal disputes and defense costs for farm owners and operators.
- Maschinenversicherung (Machinery Insurance) Insurance product covering machinery and technical equipment against breakdown, damage, and operational risks for commercial and agricultural users.
- Elektronikversicherung (Electronics Insurance) Insurance product covering electronic equipment and systems for commercial customers against damage, breakdown, and operational risks.
- Glasversicherung (Glass Insurance) Insurance product covering glass surfaces and installations for commercial and private customers against breakage and damage.
- Bauleistungsversicherung (Construction Performance Insurance) Insurance product covering construction projects against damage and performance risks during the build phase for commercial and private builders.
- Cyberversicherung (Cyber Insurance) Insurance product covering cyber risks such as data breaches, business interruption, and liability for small and mid-sized commercial customers.
- Fahrradversicherung (Bicycle Insurance) Insurance product covering bicycles against theft, damage, and related risks for private consumers.
- Kundenportal (Customer Portal) Digital self-service portal for policyholders to access policy documents, manage their insurance, and qualify for a 3% environmental discount through paperless administration.
Quantifiable outcome
- 11% revenue growth in 2023
- +2 more outcomes
Companies that use Ostangler Versicherungen
Customer profileSegments4 records
Ideal customer profiles3 records
Ostangler Versicherungen technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Ostangler Versicherungen partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Landesschadenhilfe VaGcoreStrategic fusion between Ostangler Brandgilde VVaG and Landesschadenhilfe VaG to mid-2025. Ostangler Brandgilde will be the leading entity with headquarters in Kappeln. Landesschadenhilfe AG will be established in Bad Fallingbostel as an underwriting office with comprehensive authority. Benefits include portfolio expansion, increased reach, resources and cost advantages. LSH brings products like electronic and machine insurance that will be available to LSH customers.
Scale indicators8 records
Recent moves7 records
Expansion highlights5 records
Ostangler Versicherungen competitors and assessment
Company assessmentDirect peers
- Concordia Versicherungen: Hannover-based mutual insurer offering private, commercial, and agricultural P&C products. Comparable mutual (VVaG) structure, focus on regional German markets, and overlap in agricultural and household insurance products.
- VHV Versicherungen: Hanover-based mutual P&C insurer focused on liability, motor, property, and commercial lines for trades and SMEs. Comparable VVaG structure and concentration in commercial/liability P&C, though with a larger portfolio.
- HUK-Coburg: Large German mutual insurer (VVaG) providing motor, property, liability, and legal protection insurance with a strong broker and direct distribution mix. Comparable as a fellow VVaG operating in private and commercial P&C with digital self-service and broker channels.
- LVM Versicherung: German mutual insurance association (VVaG) headquartered in Münster offering private, commercial, and agricultural P&C products through a regional branch network. Closely comparable to Ostangler in mutual structure, regional branch model, and property/liability product mix.
- Vereinigte Hagelversicherung VVaG: Specialist German mutual insurer focused on crop, hail, and agricultural weather risks. Comparable mutual structure and direct overlap with Ostangler's agricultural property/liability line of business.
Broad incumbents
- Zurich Insurance Germany: German arm of the global Zurich Insurance Group offering commercial and personal P&C including cyber and renewable-energy cover. Overlaps with Ostangler's commercial and technical insurance lines as a broader international incumbent.
- R+V Versicherung: German cooperative insurer affiliated with the Volksbanken Raiffeisenbanken banking group, offering a full P&C and life portfolio. Comparable as a cooperative/mutual-style German insurer, but significantly larger in scale and product breadth.
- Allianz Versicherung: Germany's largest P&C and composite insurer with broad property, liability, and specialty lines including cyber and renewable-energy products. Broad incumbent overlap with Ostangler's product categories, though at vastly greater scale.
- SV SparkassenVersicherung: Stuttgart-based mutual-style insurer tied to the Sparkassen banking group, offering broad P&C and life products. Comparable German mutual-like P&C carrier, but larger and more diversified.
Regional players
- Öffentliche Versicherung Braunschweig: Regional public-sector German insurer offering property, liability and accident products across northern/central Germany. Comparable regional German P&C focus and branch-based distribution.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Ostangler Versicherungen social profiles
Digital presenceOstangler Versicherungen compliance and trust
Trust signalCompliance2 records
Ostangler Versicherungen financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ostangler Versicherungen leadership team
Management profileNumber of profiles
Profiles5 records
Ostangler Versicherungen subsidiaries and ownership
Company hierarchySubsidiaries1 record
Ostangler Versicherungen funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ostangler Versicherungen M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Ostangler Versicherungen
What does Ostangler Versicherungen do?
Ostangler Versicherungen (operating as Ostangler Brandgilde VVaG) is a regional mutual insurance association that underwrites and distributes property and casualty insurance products. It offers private lines (residential building, household contents, private liability, accident), commercial lines (commercial property, commercial liability, machinery, electronics, glass, construction performance), and agricultural lines (farm property, biogas plant, photovoltaic, agricultural legal protection). A digital customer portal (Kundenportal) provides paperless policy administration and access to documents.
Is Ostangler Versicherungen a public or private company?
Ostangler Versicherungen is a private company. It is classified as management employee owned and is currently operating.
When was Ostangler Versicherungen founded?
Ostangler Versicherungen was founded in 1788. It employs 11 to 50 people.
Where is Ostangler Versicherungen based?
Ostangler Versicherungen is headquartered in Kappeln, Germany, in the Europe region.
How does Ostangler Versicherungen make money?
Two revenue lines are on record. Insurance Premiums are the primary driver. The others are 3% Environmental Discount.
Who are Ostangler Versicherungen's main competitors?
Direct peers on record are Concordia Versicherungen, VHV Versicherungen, HUK-Coburg, LVM Versicherung and Vereinigte Hagelversicherung VVaG. Broad incumbents are Zurich Insurance Germany, R+V Versicherung, Allianz Versicherung and SV SparkassenVersicherung. Öffentliche Versicherung Braunschweig is listed as a regional player.
Does Ostangler Versicherungen have an API?
No public API is recorded for Ostangler Versicherungen.
What industry is Ostangler Versicherungen in?
Ostangler Versicherungen's product category is Property and Casualty Insurance. Its primary akta.pro industry code is FSAJADAA, Commercial General Liability (CGL). Its NAICS code is 52412 and its SIC code is 6399.