Assekuranz AR Kantonale Gebäudeversicherung

What Assekuranz AR Kantonale Gebäudeversicherung does

Assekuranz AR (Kantonale Gebäudeversicherung Appenzell Ausserrhoden) is the statutory building insurance provider for the Canton of Appenzell Ausserrhoden in Switzerland. The organization is owned and operated by the cantonal government, headquartered at Poststrasse 10 in Herisau, with 13 employees. Its primary mandate is mandatory fire and natural-hazard insurance for all buildings in the canton, supplemented by property (Grundstück) insurance and construction-period (Bauzeit) insurance. Assekuranz AR also operates the cantonal fire-protection office and coordinates intervention services with municipal fire departments across both Appenzell Ausserrhoden and Appenzell Innerrhoden (426 operations in 2023).

The organization's product portfolio combines three core insurance lines with a digital self-service layer. The customer portal (Kundenportal) provides online damage reporting, premium calculation (Prämienrechner), assessment requests (Schätzgesuch), and construction-insurance requests. Prevention and intervention services include Wetter-Alarm (regional weather hazard alerts), Notalarm (emergency notification), and building-protection inspections (727 inspections in 2023). Operational scale includes CHF 7.55 billion of insurance capital under management as of December 31, 2022, 163 building applications reviewed in 2023, and reinsurance participation in the IRV, IRG, and Swiss Earthquake Pool.

The business model is statutory and subscription-based: recurring annual premiums on cantonal property holdings form the core revenue stream, supplemented by firefighting contributions collected from private insurers operating in the canton (CHF 377,480 in 2023 from carriers including Mobiliar, Helvetia, AXA, Allianz Suisse, Zürich, and Baloise). Distribution is fully direct-to-customer through the portal, phone (071 353 00 53), and in-person consultations, with no agents or brokers. Strategic reinsurance obligations (CHF 17.3M aggregate across IRV, IRG, and Swiss Earthquake Pool) provide risk diversification. The organization reports annually to the Cantonal Council through the Government Council and is not publicly traded.

Name

Assekuranz AR Kantonale Gebäudeversicherung

Legal name

Assekuranz Appenzell Ausserrhoden

Website

https://assekuranz.ch

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Assekuranz AR is the statutory cantonal building insurance provider for the Canton of Appenzell Ausserrhoden, Switzerland, offering mandatory fire and natural-hazard building insurance, property and construction-period coverage, and fire-prevention and intervention services to all property owners in the canton.

Ownership category

akta.pro rank

Product category

Property and Building Insurance

NAICS

Insurance Carriers (5241), Insurance Carriers and Related Activities (524)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)

akta.pro primary industry

Fire & Life Safety Code Compliance Inspections & Consulting (AHJ Support) (BPABAHAJ)

akta.pro secondary industries

Emergency Response Team (ERT) Staffing & Incident Management Support (BPABANAD), EHS Auditing, Inspections & Assurance (BPAHAJAG), Environmental Compliance, Monitoring & Field Services (Sampling/IAQ/Inspections) (IMAIAGAF)

Keywords

• Cantonal building insurance
• Property insurance
• Fire protection services
• Natural hazard coverage
• Emergency response coordination

Headquarters

HQ city

Herisau

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Others

Revenue model

1. Building Insurance Premiums: Cantonal building insurance for properties in Appenzell Ausserrhoden, including fire insurance and natural hazard coverage. Premiums are calculated based on property value and risk factors.
2. Property Insurance: Insurance coverage for properties including buildings and land
3. Construction Period Insurance: Insurance coverage during construction phases

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Assekuranz AR is the statutory cantonal building insurance organization for the Canton of Appenzell Ausserrhoden, providing mandatory building and property insurance against fire and natural hazards. The company also delivers prevention services (weather alerts, fire safety), emergency response coordination through the cantonal fire protection office, and operates a customer portal for policy management, damage reporting, and premium calculations.

Product overview

Assekuranz AR is a cantonal building insurance provider for Appenzell Ausserrhoden offering mandatory building insurance (Gebäudeversicherung), property insurance (Grundstückversicherung), and construction period insurance (Bauzeitversicherung). The company operates a digital platform including a customer portal (Kundenportal) for policy management, claims reporting, and premium calculations, complemented by preventive services such as weather alerts (Wetter-Alarm) and emergency alerts (Notalarm). The portfolio consists of core insurance products supplemented with digital self-service tools for customer convenience.

Differentiator

Problem solved

Functional benefit

Products and services

• Gebäudeversicherung (Building Insurance)

Quantifiable outcome

• 426 fire department operations coordinated in 2023
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Nine partnerships are on record, tiered core and minor.

• Interkantonaler Rückversicherungsverband (IRV)coreStrategic or Co-development PartnerInter-cantonal reinsurance association for Swiss cantonal insurance providers. Assekuranz AR has a conditional statutory additional contribution obligation of CHF 2,469,000.
• Interkantonale Risikogemeinschaft (IRG)coreStrategic or Co-development PartnerInter-cantonal risk community for natural hazard coverage. Assekuranz AR has maximum contribution obligations of CHF 8,964,000.
• Schweizerischer Pool für ErdbebendeckungcoreStrategic or Co-development PartnerSwiss Pool for Earthquake Coverage - solidarity liability within the framework of a Simple Partnership. Assekuranz AR has liability of CHF 5,902,000.
• Schweizerische MobiliarminorChannel Partner/ Reseller/ DistributorPrivate insurance company paying firefighting contributions to Assekuranz AR. Insured capital of CHF 2,633,468,729 with contribution of CHF 131,673.45 in 2023.
• Helvetia VersicherungenminorChannel Partner/ Reseller/ DistributorPrivate insurance company paying firefighting contributions. Insured capital of CHF 2,509,257,000 with contribution of CHF 125,462.85.
• AXA VersicherungenminorChannel Partner/ Reseller/ DistributorPrivate insurance company paying firefighting contributions. Insured capital of CHF 675,667,693 with contribution of CHF 33,783.40.
• Allianz Suisse VersicherungenminorChannel Partner/ Reseller/ DistributorPrivate insurance company paying firefighting contributions. Insured capital of CHF 663,934,133 with contribution of CHF 33,196.70.
• Zürich Versicherungs-GesellschaftminorChannel Partner/ Reseller/ DistributorPrivate insurance company paying firefighting contributions. Insured capital of CHF 319,936,345 with contribution of CHF 15,996.80.
• Baloise Versicherung AGminorChannel Partner/ Reseller/ DistributorPrivate insurance company paying firefighting contributions. Insured capital of CHF 208,580,674 with contribution of CHF 10,429.03.

Scale indicators5 records

Recent moves5 records

Expansion highlights3 records

Others

• Schweizerische Gebäudeversicherung (VVAG): Association of Swiss cantonal building insurers. Assekuranz AR is a member; VVAG provides industry coordination, lobbying, and shared services, serving as the institutional counterpart to the cantonal model.

Direct peers

• Thurgauer Gebäudeversicherung: Cantonal building insurer for Thurgau with the same statutory monopoly and product offerings as Assekuranz AR. Another eastern Swiss neighbor with comparable scale and customer mix.
• Gebäudeversicherung Kanton Zürich (GVZ): The cantonal building insurer for Zurich, the largest Swiss cantonal insurer. Operates the same statutory monopoly model with integrated insurance, fire prevention, and emergency response, making it the closest scaled comparable to Assekuranz AR.
• Aargauische Gebäudeversicherung (AGV): Cantonal building insurer for Aargau, offering statutory building insurance plus fire prevention and intervention services. Closely comparable to Assekuranz AR in business model and customer segments.
• Basellandschaftliche Gebäudeversicherung (BGV): Cantonal building insurer for Baselland providing mandatory building insurance, fire safety, and prevention services. Direct peer under the same Swiss cantonal insurance framework as Assekuranz AR.
• Solothurnische Gebäudeversicherung: Statutory cantonal building insurer for Solothurn. Operates the same integrated insurance/prevention model as Assekuranz AR within the Swiss cantonal insurance framework.
• Luzerner Gebäudeversicherung (LGV): Cantonal building insurer for Lucerne operating under the same statutory model as Assekuranz AR, with combined insurance, prevention, and fire department coordination services.
• Gebäudeversicherung St. Gallen (GVSG): Statutory building insurer for the Canton of St. Gallen. Directly comparable to Assekuranz AR in mandate, product mix, and integrated prevention/intervention model, and a geographic neighbor in eastern Switzerland.
• Gebäudeversicherung Bern (GVB): Statutory building insurer for the Canton of Bern with a fully integrated insurance, prevention, and intervention model. Conceptually identical to Assekuranz AR, serving a larger but structurally similar cantonal territory.

Regional players

• Appenzell Innerrhoden Feuerversicherung: The fire/building insurance entity serving the neighboring half-canton of Appenzell Innerrhoden. Operates the same statutory model in the adjacent canton and coordinates cross-canton fire operations with Assekuranz AR.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Instagraminstagram.com/lucianopau.photography
• LinkedInlinkedin.com/company/assekuranz-ar-kantonale-geb%C3%A4udeversicherung

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Assekuranz AR Kantonale Gebäudeversicherung