Ostfriesische Landschaftliche Brandkasse

What Ostfriesische Landschaftliche Brandkasse does

Ostfriesische Landschaftliche Brandkasse is a regional public-law insurance institution (Anstalt des öffentlichen Rechts) headquartered in Aurich, Germany, operating continuously since 1754 and currently in its 271st business year. The company serves exclusively residents and businesses of Ostfriesland (East Frisia) under a statutory regional mandate, making it a regional monopoly-by-charter rather than a market-share competitor. Its parent organization is Ostfriesische Landschaft, whose president chairs the supervisory board, embedding the insurer in a public-trustee governance structure rather than private or investor ownership.

The product portfolio spans the full insurance needs of three customer segments (Private Customers, Business Customers, and Farmers), including residential building insurance, household contents, private and commercial liability, motor vehicle, legal protection, cyber protection, accident, occupational disability, life and pension, private health supplementary coverage, and natural hazard (Elementarschaden) insurance. Products are offered individually or bundled into eight 'Best' value packages (Best Beginner, Best Oostfreesland, Best Oller, Best Vermieter, Best Ferienhaus, Best Gewerbe, Best Hausverwaltungen, Best Landwirtschaft). Adjacent services include smoke detector programs, KATWARN and MehrWetter-App warning services, and an independent sworn appraiser network (Schätzerwesen) that handles on-site property assessment and claims valuation.

Revenue is generated through annual subscription premiums under a quote-based, risk-assessed pricing model. Distribution combines over 40 owned branch offices across Ostfriesland, a mobile field sales force, and channel partnerships with the three regional Sparkassen savings banks plus specialist partners (VGH, ÖRAG, UKV, URV, LBS, Uelzener) for non-core lines. The underlying technology stack is described as standard insurance administration IT with no proprietary platforms or AI capabilities disclosed.

Name

Ostfriesische Landschaftliche Brandkasse

Legal name

Ostfriesische Landschaftliche Brandkasse

Website

https://ostfriesische-brandkasse.de

Company type

Private

Founded year

1754

Operating status

Operating

Headcount range

1–10 employees

Short description

Ostfriesische Landschaftliche Brandkasse is a regional public-law insurance institution headquartered in Aurich, Germany, serving exclusively residents, businesses, and farmers of Ostfriesland since 1754 with property, liability, vehicle, health, life, and legal protection coverage distributed through 40+ branches and Sparkassen partnerships.

Ownership category

akta.pro rank

Product category

Regional Insurance

NAICS

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

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

akta.pro secondary industry

Appliance & Major Home Equipment Protection Plans (FSAJALAI)

Keywords

• Regional insurance
• Property insurance
• Liability insurance
• Vehicle insurance
• Public law insurer

Headquarters

HQ city

Aurich

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Property Insurance: Core business including building fire insurance, residential building insurance, household contents insurance, glass insurance, and elemental damage coverage.
2. Liability Insurance: Private liability, business liability, dog liability, horse liability, hunting liability, boat liability, and cyber protection policies.
3. Vehicle Insurance: Motor vehicle insurance including coverage for electric vehicles, moped insurance, extended bicycle protection, and e-scooter insurance.
4. Legal Protection Insurance: Legal protection coverage for private customers, business customers, and farmers.
5. Health Insurance: Private health insurance, dental supplementary insurance, daily hospital allowance, and care insurance offerings through UKV partnership.
6. Income Protection & Life: Occupational disability protection, accident insurance, pension insurance, life insurance, and rental loss insurance.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Ostfriesische Landschaftliche Brandkasse is a regional public-law insurance provider selling a comprehensive range of insurance products exclusively to residents of Ostfriesland, Germany. Core offerings include residential building insurance, household contents insurance, private and commercial liability, motor vehicle insurance, legal protection, health, life and pension insurance, accident and occupational disability coverage, cyber protection, and specialized agricultural insurance, supplemented by prevention services and an in-house sworn appraiser network for claims handling.

Product overview

Ostfriesische Landschaftliche Brandkasse is a regional public-law insurance provider (Anstalt des öffentlichen Rechts) headquartered in Aurich, serving exclusively residents of Ostfriesland since 1754. The company operates a multi-product portfolio organized into three customer segments: Private Customers (Privatkunden), Business Customers (Firmenkunden), and Farmers (Landwirte). The core offerings include building insurance (Wohngebäudeversicherung), household contents, liability, vehicle, health, life, legal expenses, and cyber protection. These are available as individual products or bundled into value packages called 'Best' packages (Best Beginner, Best Oostfreesland, Best Oller, Best Vermieter, Best Ferienhaus, Best Gewerbe, Best Hausverwaltungen, Best Landwirtschaft). The company also provides prevention services including smoke detectors, weather warning systems (KATWARN, MehrWetter-App), and operates an independent appraiser network (Schätzerwesen) with sworn experts who assess properties on-site for insurance purposes.

Differentiator

Problem solved

Functional benefit

Products and services

• Wohngebäudeversicherung (Residential Building Insurance) Residential building insurance covering damage to residential buildings from fire, water, storm, and other perils. Regional market leader in Ostfriesland for private homeowners.
• Hausratversicherung (Household Contents Insurance) Household contents insurance covering personal belongings within the home for private customers.
• Privathaftpflicht (Private Liability Insurance) Private liability insurance covering personal liability claims from third parties for individuals.
• Kfz-Versicherung (Motor Vehicle Insurance) Motor vehicle insurance covering liability, comprehensive, and partial coverage for vehicles including electric cars, mopeds, e-scooters, and bicycles.
• Rechtsschutz (Legal Expenses Insurance) Legal expenses insurance covering legal costs for various disputes, available for private customers, business customers, and farmers.
• Cyber Schutz (Cyber Protection Insurance) Cyber insurance protection covering digital risks and cyber incidents for private customers and businesses.
• Unfallversicherung (Accident Insurance) Accident insurance providing financial protection in case of accidents for private customers.
• Berufsunfähigkeitsschutz (Occupational Disability Insurance) Occupational disability insurance providing income protection if unable to work.
• Private Krankenversicherung (Private Health Insurance) Private health insurance providing comprehensive medical coverage, including dental supplementary insurance, daily hospital allowance, and care insurance.
• Lebensversicherung (Life Insurance) Life insurance providing financial protection for beneficiaries upon death.
• Rentenversicherung (Pension Insurance) Pension insurance providing retirement income benefits for private customers.
• Elementarschadenversicherung (Natural Hazard Insurance) Natural hazard insurance covering damage from floods, landslides, and other natural disasters for private customers and businesses.
• Gebäudeversicherung Gewerbe (Commercial Building Insurance) Commercial building insurance for businesses covering property damage from fire, water, storm, and other perils.
• Betriebshaftpflicht (Business Liability Insurance) Business liability insurance covering commercial liability claims for businesses, property managers, and farms.
• Betriebsunterbrechungsversicherung (Business Interruption Insurance) Business interruption insurance covering lost income during operational disruptions for commercial businesses and agricultural operations.
• Elektronikversicherung (Electronics Insurance) Electronics insurance covering damage to electronic equipment for businesses and agriculture.
• Inventarversicherung (Business Inventory Insurance) Business inventory insurance covering equipment and stock for businesses and farms.
• Auslandsreise-Krankenversicherung (Foreign Travel Health Insurance) Foreign travel health insurance for medical expenses abroad for private customers.
• Reiserücktrittsversicherung (Trip Cancellation Insurance) Trip cancellation insurance covering costs if travel is cancelled for private customers.
• Rauchmelder (Smoke Detector Service) Smoke detector service and distribution program for fire prevention in private households in Ostfriesland.
• KATWARN (Communal Warning System) Communal warning system providing emergency alerts and disaster warnings for residents and businesses in Ostfriesland.
• MehrWetter-App (Mobile Weather Application) Mobile weather application providing local weather forecasts and warnings for the Ostfriesland region.
• Schätzerwesen (Independent Appraiser Network) Independent appraiser system with sworn experts who assess properties and damages on-site to support accurate insurance underwriting and claims valuation.

Quantifiable outcome

• Annual fire department support of 55,000-60,000 EUR for approximately 11,000 volunteer firefighters in Ostfriesland
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core and supporting.

• Ostfriesische Sparkassen (Sparkasse Aurich-Norden, Sparkasse Emden, Sparkasse Leer-Wittmund)coreChannel Partner/ Reseller/ DistributorLong-standing partnership with the three regional savings banks for product distribution. The Sparkassen serve as additional points of contact for customers and refer insurance inquiries to the Brandkasse.
• LBS Norddeutsche Landesbausparkasse Berlin-HannovercoreStrategic or Co-development PartnerPartnership for building savings products complementing the insurance offerings. Provides building finance products to insurance customers.
• VGH Versicherungen (Landschaftliche Brandkasse Hannover)coreStrategic or Co-development PartnerVGH is an association of public law insurance companies including Landschaftliche Brandkasse Hannover, Provincial Life Insurance Hannover, Provincial Health Insurance Hannover AG, and Provincial Pensionskasse Hannover AG. Strategic partnership for comprehensive insurance solutions.
• ÖRAG Rechtsschutzversicherungs AGsupportingStrategic or Co-development PartnerPartnership for legal protection insurance products. ÖRAG provides specialized legal protection coverage integrated into the Brandkasse product portfolio.
• Union Krankenversicherung AG (UKV)supportingStrategic or Co-development PartnerPartnership for private health insurance and supplementary health products. UKV provides health insurance offerings complementing the Brandkasse portfolio.
• Union Reiseversicherung (URV)supportingStrategic or Co-development PartnerPartnership for travel insurance products. URV provides travel insurance coverage integrated into the Brandkasse offerings.
• Uelzener TierversicherungsupportingStrategic or Co-development PartnerPartnership for animal insurance products. Specialized coverage for livestock and animal-related risks for agricultural customers.
• Ostfriesische LandschaftcoreStrategic or Co-development PartnerThe Ostfriesische Landschaft is the parent organization (mother) of the Brandkasse. Founded the Feuersocietät in 1767 and serves as the public law entity overseeing the insurance company. The President of Ostfriesische Landschaft serves as Chairman of the Supervisory Board.

Scale indicators5 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Concordia Versicherungen: Hannover-based mutual insurer with a strong regional focus in northern Germany offering private and commercial P&C, motor, life and health insurance. Comparable mid-sized German multi-line regional insurer with similar field sales and Sparkassen distribution heritage.
• DEURAG Deutsche Rechtsschutz-Versicherung: Germany's leading specialist legal protection insurance carrier, with which Brandkasse partners through ÖRAG for its legal expenses line. Directly comparable as a specialist German Rechtsschutz insurer, though Brandkasse distributes legal protection via partnership rather than direct underwriting.
• Versicherungskammer Bayern: Largest German public-law insurance group, also operating under the regional principle with comprehensive P&C, life, and health products. Comparable as a public-law full-service insurer with regional charter and Sparkassen-style bank distribution partnerships.
• LVM Versicherung: Muenster-based mutual insurer focused on private and commercial P&C, motor, life, and health insurance for a defined German region. Closely comparable in regional anchoring, multi-line portfolio, agent/broker distribution model, and mid-sized German insurer scale.
• VGH Versicherungen (Landschaftliche Brandkasse Hannover): VGH is a Lower Saxony public-law insurance group structurally analogous to Ostfriesische Landschaftliche Brandkasse, also organized as a Landschaftliche Brandkasse under regional public-law charter. It is also an explicit strategic partner of the subject company, making it the closest comparable in product mix, governance form, and regional public-law structure.
• Öffentliche Versicherungen Oldenburg: Neighboring Lower Saxony public-law regional insurer (Oldenburg region) operating a comparable full multi-line insurance portfolio under public-law charter with strong regional Sparkassen integration — directly analogous in business model, target customer, and distribution approach.
• SV SparkassenVersicherung: Stuttgart-based public-law insurer owned by Sparkassen, distributing through savings banks across multiple German regions. Highly comparable in Sparkassen-channel distribution, multi-line portfolio, and public-law governance, though operating across multiple regions rather than a single one.
• Öffentliche Versicherungen Braunschweig: Another Lower Saxony public-law regional insurer offering multi-line P&C, life and health coverage under a regional mandate analogous to Brandkasse. Closely comparable in legal form, regional focus, and full-service insurance portfolio including Sparkassen distribution.
• Uelzener Tierversicherung: Specialist German animal/livestock insurer and explicit Brandkasse partner for animal insurance lines targeting farmers. Highly comparable in serving the East Frisian agricultural segment, with overlapping distribution among the same farming customer base.

Broad incumbents

• HUK-COBURG: Germany's largest motor insurer and a significant multi-line P&C and life provider with nationwide reach. Comparable product set (motor at the core, plus property, liability, legal protection), but vastly larger scale and broader geographic footprint make it a broad incumbent rather than a direct competitor in Ostfriesland.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/OstfriesischeLandschaftlicheBrandkasse
• Instagraminstagram.com/ostfriesische_brandkasse
• LinkedInlinkedin.com/company/ostfriesische-landschaftliche-brandkasse

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 Ostfriesische Landschaftliche Brandkasse