Lippische Landesbrandversicherung

What Lippische Landesbrandversicherung does

Lippische Landesbrandversicherung AG is a privately held German regional insurance company headquartered in Detmold in the Lippe region of North Rhine-Westphalia. Operating as an Aktiengesellschaft, the company provides a comprehensive multi-line insurance portfolio to private households and, to a lesser extent, business customers, including property insurance (building, contents, natural hazard, glass), private and commercial liability coverages, motor insurance (car, motorcycle, scooter, e-scooter, classic car), legal protection insurance, animal insurance, life and retirement products (disability, unit-linked pensions, government-subsidized pensions, estate planning), supplemental health coverage (accident, dental, hospital, alternative medicine, preventive care), and travel insurance.

The business operates on a recurring insurance premium revenue model with individualized risk-based pricing set through consultation rather than published rates. Distribution is built around a local field advisor network (Berater vor Ort) that provides face-to-face advisory, supplemented by a recently introduced digital Agentur-WalletCard that stores agency contact details in customers' smartphone wallet apps. The company follows a modular Bausteinprinzip, allowing advisors to assemble customized coverage packages across the product portfolio. An affiliated subsidiary, Lippische Pensionsfonds AG, provides adjacent pension fund services within the same corporate group.

No core technology stack, proprietary systems, APIs, or AI/ML capabilities are disclosed in available data. A new digital product, the Altersvorsorgedepot, is scheduled for 2027, marking a move into state-subsidized capital-market-linked retirement savings. Ownership structure, headcount, financial scale, founding date, and management team are not disclosed in the source data, representing meaningful information gaps for a rigorous investment assessment.

Name

Lippische Landesbrandversicherung

Legal name

Lippische Landesbrandversicherung AG

Website

https://lippische.de

Company type

Private

Founded year

1752

Operating status

Operating

Headcount range

11–50 employees

Short description

Lippische Landesbrandversicherung AG is a privately held German regional insurer headquartered in Detmold, serving private and business customers in the Lippe region with a broad multi-line insurance portfolio distributed through local advisors and a digital wallet card.

Ownership category

akta.pro rank

Headquarters

HQ city

Detmold

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

Revenue model

1. Insurance Premiums: The company generates revenue through insurance premiums collected from policyholders across multiple insurance categories including property, liability, motor, legal protection, life/health, and travel insurance products.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Lippische Landesbrandversicherung AG is a German regional insurance company that provides a comprehensive, modular portfolio of insurance products to private and business customers. Offerings span property insurance (building, contents, natural disaster, glass), personal and specialized liability insurance, motor vehicle insurance (auto, motorcycle, scooter, e-scooter, classic car), legal protection insurance, animal insurance, life and retirement products, supplemental health insurance, and travel insurance. A digital retirement savings platform (Altersvorsorgedepot) is set to launch in 2027.

Product overview

Lippische Landesbrandversicherung AG is a German insurance company offering a comprehensive portfolio of insurance products organized by customer segment (private and business clients). The product range includes property insurance (building, home contents, elemental, glass), liability insurance (private, property owner, oil tank, builder's, dog owner, horse owner, hunting, water sports), motor insurance (car, motorcycle, scooter, e-scooter, classic cars), legal protection insurance (private, traffic, home, professional, builder's), animal insurance (dogs, cats, horses), life and retirement planning (disability, unit-linked pension, subsidized pension, estate planning, risk protection), health insurance (accident, dental supplemental, hospital supplemental, alternative medicine, preventive care), and travel insurance (long-term abroad, travel health, trip cancellation, annual packages). The company follows a modular building-block principle allowing advisors to customize insurance packages for individual customers. A notable new digital offering is the Altersvorsorgedepot (retirement savings depot) launching in 2027 for modern retirement planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Wohngebäudeversicherung (Building Insurance) Building insurance that protects homeowners against wind and weather damage, ensuring financial security during storms and adverse weather conditions. Target audience: homeowners.
• Hausratversicherung (Home Contents Insurance) Home contents insurance that protects household furnishings and belongings located within the home. Target audience: homeowners and tenants.
• Elementarversicherung (Natural Disaster Insurance) Natural disaster insurance covering damage from elemental events such as floods, earthquakes, and other natural phenomena. Target audience: property owners in exposed regions.
• Privat-Haftpflichtversicherung (Private Liability Insurance) Private liability insurance providing comprehensive protection that adapts to the policyholder's life and family situation. Target audience: individuals and families.
• Autoversicherung (Motor / Car Insurance) Comprehensive car insurance with extensive coverage ensuring optimal protection while driving, with optional automatic emergency call feature. Target audience: vehicle owners.
• Privat-Rechtsschutz (Private Legal Protection Insurance) Private legal protection insurance covering personal legal matters. Target audience: individuals and families.
• Berufsunfähigkeitsversicherung (Occupational Disability Insurance) Occupational disability insurance providing income protection if unable to work due to illness or accident. Target audience: working professionals.
• Fondsgebundene und geförderte Rentenversicherungen (Unit-Linked and Subsidized Pension Insurance) Pension insurance products combining insurance protection with investment fund options (unit-linked) or eligible for state-subsidized retirement contributions. Target audience: individuals planning private retirement.
• Unfallversicherung (Accident Insurance) and Supplemental Health Insurance Accident insurance providing coverage for accident-related injuries, plus supplemental health insurance products covering dental, hospital, alternative medicine, vaccinations, and optical expenses. Target audience: individuals and families seeking supplemental health coverage.
• Reiseversicherungen (Travel Insurance) Travel insurance products covering foreign travel health, trip cancellation (single and annual), and combined travel packages for short- and long-term international trips. Target audience: individual travelers.
• Tierversicherungen (Animal Insurance) Animal insurance products for dogs, cats, and horses including liability and health coverage. Target audience: pet and animal owners.
• Altersvorsorgedepot (Digital Retirement Savings Depot) Digital retirement savings platform that enables customers to utilize state subsidies and capital market investments for private retirement planning. Target audience: individuals planning private retirement.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Lippische Pensionsfonds AGcoreOthersRelated entity within the corporate group providing pension fund services. This is an affiliated company under the same corporate umbrella rather than an external partnership.

Recent moves3 records

Expansion highlights3 records

Direct peers

• DEVK Versicherungen: German mutual multi-line insurer offering property, motor, liability, legal protection, life, and health insurance primarily through a direct/field advisor model. Closest comparable to Lippische given its German mutual structure, multi-line product breadth, and advisor-led distribution.
• SV SparkassenVersicherung: Württemberg-based German insurance group within the Sparkassen financial group, offering property, motor, liability, life, and health insurance. Most directly comparable as a sister entity in the Sparkassen insurance ecosystem, sharing distribution, governance, and product architecture.
• R+V Versicherung: Major German cooperative insurer (Volksbanken/Raiffeisenbanken group) offering property, motor, life, and health insurance. Comparable due to its comprehensive multi-line portfolio and group-banking distribution model paralleling the Sparkassen ecosystem in which Lippische sits.
• VHV Versicherungen: German insurer group with strong positions in motor, liability, property, and accident insurance, distributed through tied agents and brokers. Comparable to Lippische on core P&C product lines and German mid-market positioning.
• ARAG SE: German insurance group specializing in legal protection insurance with an extended portfolio in property, liability, accident, and health. Directly comparable to Lippische on the legal protection and broader P&C lines, and shares the German mid-market advisor and broker distribution.
• HUK-Coburg: One of Germany's largest mutual insurance groups with property, motor, liability, and life products distributed via a large advisor network. Comparable on multi-line product breadth and German field-sales model, though materially larger in scale.
• LVM Versicherung: German regional mutual insurer headquartered in Münster, offering property, motor, liability, life, and health insurance with a strong field-advisor model in NRW. Highly comparable to Lippische due to regional German focus, mutual governance, and similar product mix.
• Versicherungskammer Bayern: Bavarian public-law insurance group offering property, motor, liability, and life insurance regionally through tied agents. Comparable due to its regional German focus, public/mutual governance, and advisor-led distribution.

Broad incumbents

• Generali Deutschland AG: German arm of the Italian Generali Group, offering property, motor, life, and health insurance through a multi-channel model. Comparable on multi-line product portfolio, but functions as a broad incumbent with global backing rather than a regional player.
• Allianz Versicherungs-AG: German subsidiary of global insurance giant Allianz SE, offering property, motor, liability, life, and health insurance at national scale. Overlaps with Lippische across all major product lines but operates at vastly greater scale and as a broad incumbent rather than a regional specialist.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks4 records

Key highlights5 records

Customer concentration

• Xx.com/lippische_
• Facebookfacebook.com/lippischelandesbrand
• LinkedInlinkedin.com/company/lippische-landes-brandversicherungsanstalt

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

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 Lippische Landesbrandversicherung