Wurzburger Versicherungs

What Wurzburger Versicherungs does

Würzburger Versicherungs-AG is a BaFin-regulated German niche insurer (Nischenversicherer) founded in 1989 and headquartered in Würzburg, operating for over 30 years with a workforce in the 11-50 range. The company focuses on selected private-customer risk areas rather than mass-market coverage, with a modular product architecture spanning travel insurance (TravelSecure — trip cancellation, foreign travel health, baggage, plus activity-specific variants including ski/snowboard, hiking/mountain sport, bus, group, seminar, and young-traveler coverage), private liability (standard, Exklusiv, homeowner/landlord, pet owner), accident insurance (best4you, bestAgeCare, SB-Unfall deductible protection), home contents, dental supplementary insurance (DentSecure Exklusiv for GKV, DentOptimal for PKV, Zahn-Schutzbrief), household goods and audio/visual protection, hearing-aid cover, agrar seasonal-worker insurance (AgrarOptimal Erntehelferversicherung), and an advance-care product (Diagnose Leben! Vorsorgeschutzbrief). Sub-brands TravelSecure, AgrarOptimal, Handysecure, and Diagnose Leben! support targeted go-to-market. Underlying technology is built on BiPRO (Branchennorm für Prozesse und Objekte) standardized SOAP web services — including ExtranetService, SecurityTokenService, KompositService, TransferService, ListenService, PartnerService, and VertragService across Norm versions 430, 440, and current releases — with a dedicated Vermittlerportal (intermediary portal) sharing the same credentials for broker self-service.

The revenue model is recurring insurance premiums across these product lines, distributed via two channels: a broker/intermediary network anchored by a VEMA partnership (with BiPRO integration into broker client software) and direct online sales through wuerzburger.com with self-service policy management and claims forms. Insurance intermediaries onboard via partner-data-sheet submission and receive login credentials to the portal. Customer concentration is oriented to private individuals (Privatkunden) as the primary segment, with secondary exposure to agricultural businesses employing foreign seasonal workers and to the brokers themselves as distribution partners. There is no parent company, no equity funding, no subsidiaries, and no public listing; ownership is independent with no controlling external entity.

Name

Wurzburger Versicherungs

Legal name

Würzburger Versicherungs-AG

Website

https://wuerzburger.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

11–50 employees

Short description

Würzburger Versicherungs-AG is a BaFin-regulated German niche insurer (since 1989, Würzburg) selling travel, liability, accident, dental, home contents, hearing-aid, and agricultural seasonal-worker insurance to private individuals, distributed via insurance brokers (VEMA) and direct online channels.

Ownership category

akta.pro rank

Product category

Specialty Insurance

akta.pro primary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

akta.pro secondary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Niche insurance products
• Travel health insurance
• Private liability coverage
• Accident insurance policies
• Dental supplementary insurance

Headquarters

HQ city

Würzburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Core revenue from insurance premiums across multiple product lines including travel, liability, accident, dental, home contents, and specialized niche insurance products

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Würzburger Versicherungs-AG sells specialty insurance policies to German private customers and selected business clients, anchored by the TravelSecure travel insurance brand, AgrarOptimal harvest-worker health insurance, Handysecure mobile device protection, and private liability, accident, dental supplementary, home contents, and advance-care products. Distribution combines a direct online channel with a broker network integrated via BiPRO web services and the Vermittlerportal.

Product overview

Würzburger Versicherungs-AG is a specialized German niche insurer with over 30 years of market experience, offering a portfolio of targeted insurance products through multiple brands. The company operates primarily via three main brands: TravelSecure (award-winning travel insurance including trip cancellation, foreign health, baggage, and activity-specific coverage), AgrarOptimal (specialized harvest worker insurance for agricultural seasonal workers), and Handysecure (mobile device protection). Core insurance products include private liability insurance (standard and premium tiers, plus property owner and pet owner variants), accident insurance (covering invalidity, pension, death benefit, and self-deductible protection for private health insurance), dental supplementary insurance (for both statutory and private health insurance holders with various coverage levels), home contents insurance, vision and hearing aid protection, and advance care/diagnosis protection. The product architecture follows a modular approach with base products and premium/tiered variants (e.g., Privathaftpflicht Exklusiv, DentSecure/DentOptimal). The company positions itself as a specialized insurer focused on selected private customer risk areas rather than broad mass-market products.

Differentiator

Problem solved

Functional benefit

Products and services

• TravelSecure Multi-award-winning travel insurance brand covering trip cancellation, trip interruption, foreign travel health insurance, travel baggage, and travel accident for families, individuals, students, and specific travel activities.
• AgrarOptimal Erntehelferversicherung Specialized harvest worker health insurance for agricultural businesses employing foreign seasonal workers, with optional personal liability and accident coverage, online enrollment, daily billing, and no minimum term.
• Private Haftpflichtversicherung Standard private liability insurance protecting individuals against financial consequences of personal injury, property damage, and financial loss to third parties, including defense against unjustified claims and legal proceedings.
• Privathaftpflicht Exklusiv Premium tier private liability insurance offering enhanced coverage and benefits for individuals seeking broader protection.
• Haus- und Grundbesitzer-Haftpflichtversicherung Liability insurance for homeowners and property owners covering claims from tenants or passers-by on their property.
• Tierhalterhaftpflichtversicherung Pet owner liability insurance covering damages caused by pets.
• Unfallversicherung best4you Accident insurance for leisure-time accidents with invalidity benefits, pension payments, death benefit, hospital daily allowance, and recovery benefits.
• Unfallversicherung bestAgeCare Accident insurance tailored for older adults with age-appropriate coverage.
• SB-Unfall Versicherung Self-participation deductible protection covering up to 3,000 EUR of private health insurance deductibles in case of accident, independent of professional activity.
• Hausratversicherung Home contents insurance covering damages from fire, water damage, burglary, and theft.
• DentSecure Exklusiv (GKV) Dental supplementary insurance for holders of statutory health insurance (GKV) offering exclusive coverage for dental care.
• DentOptimal (PKV) Dental supplementary insurance for private health insurance (PKV) holders that reimburses the remaining deductible for dental prosthetics according to the agreed tariff.
• Zahn-Schutzbrief (GKV) Dental protection letter for statutory health insurance holders paying up to 100% of bills for tooth preservation and doubling the statutory subsidy for crowns, bridges, dentures, fillings, root/periodontal treatments, and preventive care.
• Diagnose Leben! Vorsorgeschutzbrief Advance care protection for families providing immediate financial assistance upon serious diagnoses such as cancer.
• Brillen- und Hörgeräteschutzbrief Protection letter covering repair and replacement costs for glasses and hearing aids.
• Hörgeräteversicherung Specialized insurance for hearing aids covering damage, loss, and theft.
• Handysecure Mobile device protection briefs covering smartphones and tablets against breakage, water damage, and theft.

Quantifiable outcome

• Multiple SEHR GUT (very good) ratings from Stiftung Warentest/Finanztest for travel insurance products in 2025/2026
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature1 record

Partnerships

One partnership is on record.

• VEMAcoreChannel Partner/ Reseller/ DistributorVEMA is an insurance broker network. Würzburger Versicherungs participates in VEMA broker surveys and has received multiple VEMA quality seals for their TravelSecure products, demonstrating strong broker channel partnerships.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Signal Iduna Gruppe: Signal Iduna is a mutual German insurer offering liability, household, accident and health lines. It overlaps with Würzburger's Privathaftpflicht and Hausrat product categories and competes for the same broker distribution relationships.
• Debeka Versicherungen: Debeka is one of Germany's largest mutual insurers, with strong supplemental health (dental) and accident lines. It overlaps with Würzburger's dental-supplemental and accident-insurance offerings from a much larger scale base.
• HUK-COBURG Versicherungsgruppe: HUK-COBURG is one of Germany's largest broad-market insurers competing across liability, household, accident and travel lines. A relevant incumbent benchmark for Würzburger's household (Hausrat) and liability (Privathaftpflicht) products and overall scale disadvantage.
• Barmenia Versicherungen: Barmenia is a mid-sized German mutual health and liability insurer with a relevant supplemental dental and accident franchise. Larger and broader than Würzburger but overlaps in dental supplemental (Zahnzusatz) and accident product lines.
• Allianz Travel: Allianz Travel is the dedicated travel-insurance arm of Allianz, the largest German insurer. It directly contests the same VEMA broker channel and Finanztest rankings as Würzburger, and represents the dominant scale competitor in TravelSecure's category.

Regional players

• VGH Versicherungen: VGH is a regional German insurer headquartered in Hannover, focused on Lower Saxony, with comparable household, liability, and accident products. Relevant as a regional incumbent with similar product-mix overlap, though it does not directly contest Würzburger's travel-insurance franchise.
• Bayerische Versicherungsanstalt: Die Bayerische is a Munich-based regional German insurer with comparable liability, household, and accident lines. It is a useful comparable for Würzburger's positioning as a regional/regional-stronghold specialist, though it lacks a comparable travel-insurance franchise.

Direct peers

• ADAC Versicherung AG: ADAC Versicherung sells travel, motor, and liability products to a large captive membership base, frequently appearing in the same Stiftung Warentest rankings as Würzburger's TravelSecure. Comparable niche-positioning and German consumer-brand orientation.
• Europäische Reiseversicherung (ERV): ERV is Germany's leading dedicated travel-insurance specialist, part of the Munich Re / ERGO group. It directly competes head-to-head with TravelSecure across trip cancellation, foreign travel health, and annual travel products distributed through travel agencies and brokers.
• HanseMerkur Versicherungsgruppe: HanseMerkur is a Hamburg-based mutual insurer with a strong travel-insurance franchise and supplemental health lines (dental, foreign travel health). It is the most direct German niche-specialist comparable to Würzburger's TravelSecure product family and broker distribution approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/wuerzburger-versicherungs-ag

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Wurzburger Versicherungs