What Vaudoise Assurances does

Vaudoise Assurances is a Swiss cooperative-founded (1895) insurance group headquartered in Lausanne that underwrites life and non-life cover for individuals and businesses throughout Switzerland. Its core offering spans motor and household P&C (Avenue, Home in One), occupational and personal lines (LAA, LPP, life, disability, private accident), commercial lines for SMEs (Business One, Tech in One), specialty products such as pet insurance (Animalia), legal protection, and assistance/travel cover, plus mortgage lending and the TrendValor single-premium investment product. Distribution is multi-channel: 118 owned agencies covering every Swiss canton in French, German and Italian, a broker (courtier) channel with a dedicated broker portal, and digital self-service via the connect.vaudoise.ch customer portal and online claims declaration. Underwriting and policy administration run on the Guidewire Cloud Platform, on which Vaudoise was the first Swiss insurer to go live (January 2026), implementing ClaimCenter for motor claims and integrating PolicyCenter.

The group is led by CEO Jean-Daniel Laffely and operates a multi-brand architecture (Vaudoise Générale, Vaudoise Vie, Animalia, Orion Private/Orion PRO, Avenue, Mutuelle Vaudoise) under the listed holding Vaudoise Assurances Holding SA (SIX: VAHN). Revenue is generated on a recurring subscription/premium model billed annually, with premiums individually risk-priced via advisors, brokers, or online quotes; pricing tiers are not publicly disclosed. In 2025 the group reported a record net result of CHF 156.3 million (+16.7% YoY on a restated 2024 base), with non-life contributing CHF 126.2M and life CHF 21.9M, and equity exceeding CHF 2.6 billion for the first time. Strategic scale has been augmented by two acquisitions: 100% of Prevanto AG/SA (April 2024), giving Vaudoise market leadership in actuarial advice for Swiss pension funds, and a majority stake of 92.27% in real-estate asset manager Procimmo (March 2026) at CHF 9.50/share, bringing over CHF 9 billion in assets under management and paving the way for a planned squeeze-out merger.

Name

Vaudoise Assurances

Legal name

Vaudoise Assurances

Website

https://vaudoise.ch

Company type

Private

Founded year

1895

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Vaudoise Assurances is a Swiss cooperative-founded (1895) insurance group headquartered in Lausanne, underwriting life and non-life insurance for individuals and businesses through 118 agencies across Switzerland, supported by brokers, digital channels, and the Guidewire Cloud Platform.

Ownership category

akta.pro rank

Product category

Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Life Insurance Carriers (524113), Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Commercial Property Insurance (FSAJACAE)

akta.pro secondary industries

Whole Life Insurance (FSAIABAA), Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD), Disability Income Reinsurance (Life & Health) (FSAIAIAM)

Keywords

• Non-life insurance
• Life insurance
• Commercial insurance
• Pension and savings
• Mortgage lending

Headquarters

HQ city

Lausanne

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Non-Life Insurance (Property & Casualty): Core non-life insurance products including motor vehicle insurance (car, motorcycle, camper, boat, e-bike), household and residential building insurance, legal protection, travel and assistance insurance, and animal insurance (Animalia brand). Contributed CHF 126.2 million to 2025 annual result.
2. Life Insurance (Prévoyance & Savings): Life and pension insurance products including death benefit insurance, disability income (rente d'incapacité de gain), private accident insurance, retirement savings (épargne/pension), and investment products. Contributed CHF 21.9 million to 2025 annual result.
3. Business/Commercial Insurance: Comprehensive business insurance offerings including accident insurance (LAA/UVG), supplementary accident insurance, sick pay insurance (perte de gain maladie), occupational pension (LPP/BVG), business inventory and equipment insurance, construction insurance, commercial vehicle fleet insurance, building insurance, general liability, business interruption, legal protection, and transport insurance.
4. Mortgage Lending: Mortgage loans (prêts hypothécaires) for residential property purchases, offered as part of the company's financial services portfolio to complement its insurance and pension solutions.
5. Asset Management (Procimmo): Following acquisition of a majority stake (92.27% voting rights) in Procimmo SA, a Swiss real estate asset manager with over CHF 9 billion in assets under management, Vaudoise expanded into real estate asset management as an additional revenue stream.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Vaudoise Assurances underwrites and distributes non-life and life insurance products for Swiss individuals and businesses, covering motor vehicles, household and buildings, legal protection, travel and assistance, pet insurance (Animalia), life and disability, and occupational pension (LPP/BVG), supplemented by mortgage lending and real estate asset management through Procimmo. Distribution occurs through 118 owned agencies, independent brokers, and digital self-service channels. The Group also offers corporate health management and actuarial advisory for pension funds via its subsidiary Prevanto.

Product overview

Vaudoise Assurances is a Swiss insurance company offering a comprehensive portfolio of insurance and financial products through a multi-brand, multi-module architecture. The core offering includes motor vehicle insurance (Avenue line with variants for cars, motorcycles, oldtimers, and motorhomes), household and property insurance (Home in One), marine insurance (Marina), and health/life insurance (death, disability, accident coverage). For businesses, the company provides employee protection (LAA accidents, LPP pension, sick pay), asset protection (Business One, Tech in One), liability coverage, and corporate health management services. Investment products include TrendValor (single-premium investment) and mortgage loans. Specialized offerings include pet insurance through Animalia, legal protection add-ons, and travel/assistance services. The company recently implemented Guidewire Cloud Platform for claims and policy management, becoming the first Swiss insurer on this platform. Vaudoise operates 118 agencies across Switzerland and serves both individual and corporate clients through its cooperative structure.

Differentiator

Problem solved

Functional benefit

Brands

• Vaudoise Générale: Primary non-life insurance brand redistributing CHF 40 million to policyholders for the 2026-2027 period.
• Vaudoise Vie
• Animalia
• Mutuelle Vaudoise
• Avenue (car/moto insurance sub-brand)
• Home in One
• Business One
• Tech in One
• Orion Private & Orion PRO

Products and services

• Car Insurance (Avenue) Comprehensive car insurance coverage protecting vehicle owners against accidents, damage, theft, and related risks, with digital claims processing on Guidewire Cloud. Available to Swiss individual consumers via Vaudoise agencies, brokers, and digital channels.
• Motorcycle and Scooter Insurance (Avenue) Insurance coverage for motorcycles, scooters, and two-wheeled vehicles against accidents, damage, and related risks, available to Swiss individual consumers.
• Classic Vehicle Insurance (Avenue Oldtimer) Specialized insurance for classic and vintage vehicles, available to Swiss individual owners of collector cars.
• Motorhome Insurance (Camping-Car) Insurance coverage for motorhomes and recreational vehicles, available to Swiss individual consumers.
• Boat Insurance (Marina) Boat and watercraft insurance covering marine risks for Swiss individual boat owners.
• E-Bike and Cycle Insurance Insurance coverage for electric bicycles and bicycles against theft, damage, and related risks, available to Swiss individual consumers.
• Household and Private Liability Insurance (Home in One) Combined household contents and private liability insurance protecting Swiss individuals against damage to home contents and personal liability claims.
• Private Building Insurance Insurance protecting Swiss homeowners' residential building structures against damage.
• Construction Insurance Insurance coverage for residential and building construction projects, available to Swiss property owners and developers.
• Life Insurance (Death Benefit) Life insurance providing financial protection for families and business partners in the event of death, available to Swiss individual customers.
• Disability Income Insurance Disability income insurance providing income replacement benefits when the insured is unable to work, available to Swiss individuals.
• Private Accident Insurance Private accident insurance covering accident-related medical expenses and income loss for Swiss individuals.
• TrendValor Investment Product Single-premium investment solution with limited duration that combines security and yield, targeted at Swiss individual savers seeking life-insurance-wrapped investment exposure. Available from April 2026.
• Savings Products (Epargner) Savings and investment products for retirement preparation and future financial security, available to Swiss individual customers through Vaudoise Vie.
• Retirement Planning Solutions Retirement planning solutions and analysis tools helping Swiss individuals prepare for retirement through pension and savings advice.
• Mortgage Loans (Prêts hypothécaires) Mortgage loans for residential property purchases, offered to Swiss individuals as part of Vaudoise's financial services portfolio alongside insurance and pension solutions.
• Travel and Cancellation Insurance Travel insurance covering trip cancellation, interruption, delays, and medical emergencies abroad for Swiss travelers.
• Medical Repatriation Insurance Medical repatriation and healthcare coverage for emergencies while traveling abroad, available to Swiss individual customers.
• Pet Insurance (Animalia) Pet insurance covering dogs and cats for veterinary costs related to accidents, illnesses, routine care, and vaccinations. Tiered plans with deductibles and reimbursement rates, distributed via dedicated Animalia platform and Vaudoise advisors.
• Large Animal Insurance Insurance coverage for large animals such as horses and livestock, available to Swiss owners.
• Mandatory Accident Insurance (LAA) Mandatory Swiss occupational accident insurance (Loi sur l'Assurance Accidents) covering employees for occupational and non-occupational accidents and occupational diseases. Sold to Swiss employers for statutory compliance.
• Sick Pay Insurance (Perte de gain maladie) Daily sickness benefit insurance protecting Swiss employers against financial loss from employee illness-related work absence.
• Occupational Pension Insurance (LPP/BVG) Occupational pension insurance (BVG/LPP) providing retirement, disability, and death benefits for employees. Sold to Swiss employers for mandatory pension coverage.
• Business Inventory Insurance (Business One) Business inventory insurance covering equipment, machinery, and business assets against damage or theft. Packaged solution tailored for Swiss SMEs.
• Technical Equipment Insurance (Tech in One) Insurance for business technical equipment and machinery, with tailored coverage for Swiss companies operating technology-dependent operations.
• Commercial Vehicle Insurance Insurance for commercial fleets and utility vehicles, available to Swiss businesses with vehicle fleets.
• Commercial Building Insurance Commercial building insurance protecting Swiss business premises against property damage.
• Business Liability Insurance Business liability insurance protecting Swiss companies against third-party claims for bodily injury or property damage.
• Business Interruption Insurance

Quantifiable outcome

• Faster motor insurance claims processing through Guidewire cloud platform automation — Vaudoise is the first Swiss insurer on this platform
• +3 more outcomes

Named customers1 record

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

One partnership is on record.

• Guidewire SoftwarecoreTechnology or Integration · 13 January 2026Vaudoise partnered with Guidewire Software to become the first Swiss insurer to go-live on the Guidewire Cloud Platform, implementing ClaimCenter for automated motor claims processing and integrating PolicyCenter for policy management. This cloud transformation enables Vaudoise to offer faster, more transparent, and fully digital insurance processes to its customers.

Scale indicators11 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Zurich Insurance Group: Zurich Insurance is a global incumbent with strong Swiss roots, offering life and non-life insurance to retail and commercial customers. Overlaps with Vaudoise primarily in commercial lines and motor insurance, but operates at vastly larger scale.
• Generali Switzerland: Generali Switzerland offers life and non-life products to individuals and businesses, including LPP/BVG solutions. Direct overlap in life insurance and pension advisory, positioned as a European incumbent.
• AXA Switzerland: AXA Switzerland is a major Swiss subsidiary of AXA Group offering motor, property, liability, life, and health insurance. Broad incumbent competing across nearly all of Vaudoise's product lines but as part of a global group portfolio.
• Allianz Switzerland: Allianz Switzerland offers life, health, property, and motor insurance under the global Allianz brand. Competes directly in personal and commercial lines but with deeper international backing and broader product breadth.

Direct peers

• Baloise Group: Baloise is a Basel-based direct insurer offering life, non-life, and pensions across Switzerland, Germany, and Belgium. Closely comparable to Vaudoise on product mix, multi-channel Swiss distribution, and listed-cooperative heritage, though larger and internationally diversified.
• Swiss Life: Swiss Life is the largest Swiss life and pension insurer, dominant in LPP/BVG and group life. Direct competitor in life, disability, and occupational pension products, with overlapping broker distribution in Switzerland.
• La Mobilière: La Mobilière is Switzerland's largest mutual insurer, with deep personal lines and SME commercial insurance penetration. Direct peer to Vaudoise on cooperative ownership structure, Swiss agency network, and integrated life/non-life offerings.
• Helvetia Insurance: Helvetia is a St. Gallen-based insurer offering life, non-life, and specialty lines with strong Swiss retail presence. Direct competitor in Swiss household, motor, and LPP/BVG segments with a similar multi-channel distribution model.

Emerging players

• PostFinance / Swiss Post Insurance: PostFinance and affiliated insurance products leverage the Swiss Post distribution network to sell simple personal insurance. Competes with Vaudoise in retail household and travel insurance with strong branch reach but narrower product depth.
• Migros Bank / Banking-insurance partnerships: Migros-affiliated financial services (including bancassurance-style insurance distribution) target similar Swiss retail customers as Vaudoise for household and life products, with growing digital capability. Comparable as a Swiss retail-channel competitor in commoditized lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/vaudoise_fr

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 records

Funding overview

Funding rounds1 record

Investors

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

M&A1 record

Investments5 records

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

Frequently asked questions about Vaudoise Assurances