La Mobiliere

What La Mobiliere does

La Mobiliere is a Swiss cooperative insurance group headquartered in Bern, founded in 1826 and operating under the legal entity Mobiliere Suisse Societe d'assurances SA within the parent cooperative Mobiliere Suisse Societe Cooperative. The group offers a comprehensive retail insurance portfolio — non-life (home, property, vehicle, liability, accident, health, travel, cyber), life insurance through Mobiliere Suisse Societe d'assurances sur la vie SA, legal protection through Protekta, and asset management through Mobiliere Suisse Asset Management SA — and serves more than 2.4 million customers across Switzerland and the Principality of Liechtenstein.

Distribution is hybrid: 80 general agencies operate across 160 physical sites for face-to-face advisory, complemented by the Ma Mobiliere mobile application, the MyMobiliar customer portal (with SwissID single sign-on), a 24/7 emergency hotline (00800 16 16 16 16), and secure communications via SEPPmail and HIN encryption. Technical differentiators include CleverDrive telematics-based vehicle insurance for drivers up to 30 years old, a Bug Bounty vulnerability disclosure program, and the Mobiliere Natural Hazard Research Laboratory partnership with the University of Bern that informs climate and risk modeling.

The cooperative model means profits are redistributed to members, employees, and society rather than external shareholders; FY2025 reported profit was CHF 825 million, significantly above the prior year, on premium growth of 4.7% (5.4% in non-life). Revenue streams are predominantly subscription/recurring insurance premiums, with ancillary income from sponsorship and cultural partnerships and from a real estate platform following the April 2021 acquisition of Flatfox AG.

Name

La Mobiliere

Legal name

Mobilière Suisse Société d'assurances SA

Website

https://mobiliere.ch

Company type

Private

Founded year

1826

Operating status

Operating

Headcount range

1–10 employees

Short description

La Mobiliere is a 200-year-old Swiss insurance cooperative serving over 2.4 million customers in Switzerland and Liechtenstein with non-life, life, legal protection, and asset management products distributed through 80 general agencies across 160 sites plus digital channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Bern

HQ country

Switzerland

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Non-Life Insurance (Affaires non-vie): Property, liability, vehicle, accident, and other non-life insurance premiums. Premium growth of 5.4% recorded. Includes home insurance (No. 1 in Switzerland), legal protection, business insurance, and rent guarantee.
2. Life Insurance: Life insurance products through Mobilière Suisse Société d'assurances sur la vie SA
3. Legal Protection Insurance: Legal protection insurance through Protekta Assurance de protection juridique SA
4. Asset Management: Investment fund management through Mobilière Suisse Asset Management SA
5. Sponsorship and Cultural Partnerships: Strategic sponsorship partnerships in sports, culture, and society that support brand visibility and community engagement

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

La Mobiliere is a Swiss cooperative insurance company that sells a comprehensive range of non-life and life insurance products, including home/property, vehicle, liability, legal protection, accident and health, and savings/pension coverage. Distribution is conducted primarily through a network of 80 general agencies across 160 sites in Switzerland, complemented by digital self-service via the Ma Mobilière mobile app and MyMobiliar customer portal, with a 24/7 emergency hotline. The company is the Swiss market leader in home insurance, legal protection, business insurance, and rent guarantee, serving over 2.4 million customers.

Product overview

La Mobilière is a Swiss insurance company operating as a cooperative (Mobilière Suisse Société Coopérative) offering a comprehensive portfolio of insurance and financial services. The company provides a multi-channel platform including the MyMobiliar mobile application, the customer portal (Portail Clients), and approximately 160 physical branch locations across Switzerland. The core insurance products include household/property insurance (No. 1 in Switzerland), vehicle and travel insurance, liability and legal protection (including cyber insurance), accident and health coverage, and savings/pension products. Key digital add-ons include the CleverDrive telematics-based vehicle insurance for young drivers, the Ticketshop Mobilière discount platform, and HomeAssistance emergency services. The company serves over 2.4 million customers in Switzerland and Liechtenstein.

Differentiator

Problem solved

Functional benefit

Brands

• MyMobiliar: Customer portal for managing insurance policies and claims
• Ma Mobilière
• CleverDrive

Products and services

• Home and Property Insurance (Assurance Habitat et Propriété) Homeowners and property insurance covering buildings, contents, and related risks for individuals and households in Switzerland and Liechtenstein. Includes HomeAssistance 24-hour emergency service. La Mobiliere is the market leader in home insurance in Switzerland.
• Vehicle and Travel Insurance (Assurance Véhicules et Voyages)

Quantifiable outcome

• Market leader in home insurance, legal protection, business insurance, and rent guarantee insurance in Switzerland
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

13 partnerships are on record, tiered major, core and minor.

• Paléo Festival NyonmajorStrategic or Co-development Partner · 1 January 2011Main sponsor of Paléo Festival Nyon since 2011 (eleven consecutive years). Major cultural sponsorship in the Lake Geneva region.
• Municipalities and Cantons (Natural Disaster Prevention)coreStrategic or Co-development Partner · 1 January 2006Collaborated on 181 natural disaster prevention projects since 2006, investing approximately CHF 50 million. Projects include flood protection in Delémont and Rhine Valley canal improvements in Rüthi SG.
• Swiss Indoor Sports FederationsmajorStrategic or Co-development PartnerMain sponsor of four indoor sports: basketball, unihockey, handball, and volleyball in Switzerland. Also sponsors Swiss wrestling (lutte suisse) and the Mobilière Arena in Gümligen.
• Mobilière ArenamajorStrategic or Co-development PartnerMulti-purpose arena in Gümligen, Bern, used for sports events and concerts. Named sponsor providing venue for indoor sports events.
• Zurich ZoomajorStrategic or Co-development PartnerMain sponsor (Hauptsponsor) of Zurich Zoo. Customers receive 20% discount on entrance tickets and annual passes.
• Locarno Film FestivalcoreStrategic or Co-development PartnerMain partner (partner principal) of the Locarno Film Festival, supporting this major cultural event in Ticino.
• Bear Park Bern (Parc aux ours)majorStrategic or Co-development PartnerPresenting partner supporting Bear Park Bern with CHF 2.5 million commitment. The park represents Bernese tradition dating back to 1315.
• Suisse RandocoreStrategic or Co-development PartnerMain partner (partner principal) of Suisse Rando, supporting Swiss hiking trails and nature activities.
• Bundesplatz (Federal Square) EventsminorStrategic or Co-development PartnerSponsor of events and activities at the Bundesplatz (Federal Square) in Bern, in partnership with the city and federal government.
• University of Bern - Natural Hazard Research LaboratorycoreStrategic or Co-development PartnerMobilière Laboratory for Natural Hazard Research at University of Bern conducts research on climate consequences and natural risks, contributing to prevention knowledge and product development.
• Jubilee Foundation (Fondation du Jubilé)minorStrategic or Co-development PartnerCreated in 1976 for the company's 150th anniversary. Now renamed 'New Perspectives' program, supporting arts, culture, and science projects.
• Energy EventsminorStrategic or Co-development PartnerSponsor of Energy Events, supporting sustainable energy awareness and activities.
• SwissminiaturminorStrategic or Co-development PartnerPartnership with Swissminiatur museum, providing support after hail damage event.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Others

• HUK-Coburg: Large German mutual-style motor and property insurer. Comparable as a member-owned / cooperative-style insurer operating without external shareholders in a mature European market.

Broad incumbents

• Zurich Insurance Group: Swiss-headquartered global insurance giant with a strong home Swiss presence and broad P&C and life offerings. Competes head-to-head with La Mobilière for Swiss retail customers and overlaps significantly in the home market.
• Generali Switzerland: Swiss subsidiary of Generali Group providing P&C, life, and pension products in Switzerland through agency and broker distribution channels. Overlaps directly with La Mobilière on multi-line retail insurance.
• AXA Switzerland: Swiss subsidiary of AXA Group offering P&C, life, and health insurance in Switzerland. Competes directly for individual and SME customers across the same Swiss market segments as La Mobilière.
• Allianz Suisse: Swiss arm of Allianz Group offering multi-line insurance (property, liability, vehicle, life) in Switzerland through agency and broker channels. A competing incumbent in La Mobilière's core Swiss market.

Regional players

• Vaudoise Insurance: Mutual/cooperative-style Swiss insurer focused on French-speaking Switzerland. Offers comparable P&C and life products to a similar SME and individual customer base, with similar cooperative-style governance.
• CSS Insurance: Swiss health insurance leader operating as a cooperative-style insurer. Comparable on cooperative governance and Swiss-only footprint, though concentrated in health rather than multi-line P&C.

Direct peers

• Swiss Life: Swiss life insurance, pensions, and financial services provider serving private and corporate customers in Switzerland. Directly comparable on life, savings, and pension product lines.
• Baloise Group: Swiss-listed insurance and banking group offering P&C, life, and pension products with a hybrid agency and direct distribution model. Closely comparable mid-sized multi-line franchise with similar product breadth to La Mobilière.
• Helvetia Insurance: Swiss multi-line insurer offering P&C, life, and pension products with operations across Switzerland, Germany, Italy, and Austria. Directly comparable in scale and multi-line product mix.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/lamobiliere
• Facebookfacebook.com/lamobiliere

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about La Mobiliere