BTAG Versicherungsbroker AG

What BTAG Versicherungsbroker AG does

BTAG Versicherungsbroker AG is a privately held, independent insurance brokerage founded in 1990 and headquartered in Bern, Switzerland. The company operates as a regulated insurance intermediary (FINMA registration Nr. 12229) and is a member of SIBA (Swiss Insurance Broker Association), serving approximately 300 small and medium-sized enterprises (KMU) and private clients concentrated in the Bern and Espace Mittelland region. Ownership rests with two co-managing directors, Pascal Heiniger and Yanick Lang, supported by a small team of mandate managers and support staff totaling approximately seven employees, including apprentices in training.

The company's core offering is mandate-based insurance brokerage and advisory, spanning BVG occupational pension consulting, employee benefit insurance (accident, health, daily allowance), property insurance (fire, burglary, water, business interruption), liability coverage, cyber insurance, and comprehensive risk management services. For private clients, BTAG provides retirement, tax, and real estate financing advisory. The firm works with a network of over 40 insurance partners and pension funds (including AXA, Zurich, Allianz, Baloise, Generali, Mobiliar, SwissLife, and Helsana), enabling cross-carrier portfolio comparison and continuous optimization. Service delivery combines in-person consulting with annual portfolio reviews, claims coordination, and an online client portal (built on the bayo.ch platform) for 24/7 document access.

BTAG generates revenue through commissions (Courtage) paid by insurance carriers rather than direct client fees, with the commission structure standardized across providers to preserve broker neutrality. The go-to-market is sales-led and relationship-driven, relying on direct mandate acquisition, association partnerships (MediService VSAO, Bern Trade and Industry Association), and strategic referral alliances with adjacent professional service firms (Tschanz Treuhand AG for accounting and tax; Niederer AG for real estate management). The business model is operationally simple, regulatory-compliant, and tightly scoped to a defined regional SME segment.

Name

BTAG Versicherungsbroker AG

Legal name

BTAG Versicherungsbroker AG

Website

https://btag-bern.ch

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

1–10 employees

Short description

BTAG Versicherungsbroker AG is an independent, FINMA-registered Swiss insurance brokerage founded in 1990, serving approximately 300 SMEs and private clients in the Bern region with mandate-based insurance and pension advisory across 40+ carrier partnerships.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial General Liability (CGL) (FSAJADAA)

Keywords

• Independent insurance brokerage
• SME insurance advisory
• Occupational pension consulting
• Risk management services
• Insurance portfolio optimization

Headquarters

HQ city

Bern

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: BTAG operates as an independent insurance broker compensated through commissions (Courtage) from insurance companies. The commission structure is standardized across all insurance providers, which guarantees the broker's neutrality. The company is not bound to any specific insurance provider and earns commissions for placing and managing insurance policies for clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

BTAG Versicherungsbroker AG is an independent insurance broker based in Bern that represents clients vis-à-vis over 40 insurance companies and pension funds. The firm delivers portfolio analysis, ongoing insurance mandate management, annual portfolio reviews, claims coordination, and continuous market monitoring. Services are split between SME (KMU) insurance brokerage and private client financial/pension advisory, delivered through personal consulting and an online client portal.

Product overview

BTAG Versicherungsbroker AG operates as an independent insurance broker specializing in KMU (small/medium enterprises) in the Bern region since 1990. The company offers a comprehensive suite of insurance and pension advisory services centered around portfolio optimization and risk management. Core offerings include KMU insurance brokerage, BVG occupational pension consulting, employee benefit insurance (persons), property insurance (sach), liability insurance, cyber insurance, and risk management consulting. For private clients, they provide retirement planning, tax planning, and real estate financing advice. The company also maintains a web portal for customer document access. All services are delivered through a network of over 40 insurance partners and pension funds with a focus on neutral, objective advice.

Differentiator

Problem solved

Functional benefit

Products and services

• KMU Insurance Brokerage
• BVG Occupational Pension Consulting
• Private Client Insurance and Pension Advisory
• Risk Management Consulting
• Web-Portal (Online Client Portal)

Quantifiable outcome

• Continuous optimization of insurance portfolios leading to potential premium savings
• +1 more outcomes

Named customers3 records

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

Five partnerships are on record, tiered core and minor.

• Tschanz Treuhand AGcoreStrategic or Co-development PartnerStrategic partnership with Tschanz Treuhand AG, a trust company providing comprehensive accounting, tax advisory, personnel administration, business consulting, and business succession services. The partnership extends BTAG's service offering to clients requiring holistic business advisory services.
• Niederer AGcoreStrategic or Co-development PartnerStrategic partnership with Niederer AG, a real estate management company specializing in residential and commercial property management. The partnership provides clients with professional property management services complementing BTAG's insurance offerings.
• MediService VSAOcoreStrategic or Co-development PartnerBTAG is the official consulting partner of MediService, the association of Swiss resident and chief physicians (Verband der Schweizer Assistenz- und Oberärzte). This partnership provides specialized insurance consulting services to healthcare professionals.
• Handels- und Industrieverein des Kantons BernminorStrategic or Co-development PartnerLong-term partnership with the Bern Trade and Industry Association, providing insurance advisory services to association members.
• Over 40 Insurance Companies and Pension FundscoreChannel Partner/ Reseller/ DistributorBTAG works with over 40 insurance partners including: Abendrot, AIG, Allianz, AXA, Arag, Asga, Baloise, CAP, Coopera, Coop Rechtsschutz, Dextra, Elite, Emmental, Futura, GBV, Generali, Groupe Mutuel, Helsana, Helvetia, Hotela, Innova, Liberty, Mobiliar, Nest, Noventus, Oekk, Orion, PatBVG, Pax, Previs, Profond, Protekta, Revor, Servisa, Saekk, SHP, Smile, SSO Stiftungen, SUVA, SWICA, SwissLife, Sympany, Tellco, TSM, Vaudoise, Versa, Visana, Vita, Medpension, VSM, Zurich. These partnerships enable BTAG to offer comprehensive market comparisons and optimal solutions to clients.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Die Mobiliar: Major Swiss cooperative insurer offering property, liability, and personal insurance with a strong regional agency network. Listed among BTAG's 40+ carrier partners and competes in the same Bern regional SME segment.
• Zurich Insurance Switzerland: Major Swiss insurance carrier providing property, casualty, and specialty coverage through direct and broker distribution. Both a BTAG partner and a competitor for SME insurance placements.
• Aon Switzerland: Global insurance and reinsurance brokerage with a Swiss presence serving corporate and mid-market clients across all major lines. Operates at vastly greater scale than BTAG but competes for the same SME insurance mandate business in Switzerland.
• Allianz Suisse: Swiss subsidiary of Allianz offering property, liability, and life insurance through direct and broker channels. Listed among BTAG's 40+ carrier partners and competes directly for SME insurance business.
• Swiss Life: Leading Swiss life and pension insurer with adjacent non-life offerings. As a BVG-relevant carrier, Swiss Life is both a BTAG partner and a competitor for SME pension and insurance clients.
• WTW (Willis Towers Watson) Switzerland: Global insurance brokerage and advisory firm with Swiss operations spanning commercial insurance, pension, and risk consulting. Direct competitor for SME and corporate insurance brokerage mandates in Switzerland.
• Baloise: Swiss insurance group offering non-life, life, and pension products via direct and broker channels. Listed as one of BTAG's 40+ carrier partners and competes for SME clients across Switzerland.
• AXA Switzerland: Largest Swiss insurance carrier offering property, liability, life, and pension products through both direct sales and broker channels. As a key BTAG carrier partner that also sells directly, it competes for the same SME customers.
• Marsh Switzerland: Global insurance broker and risk advisor with significant Swiss operations serving commercial clients. Competes for SME and mid-market insurance placements and offers overlapping risk management consulting.
• Helvetia Insurance: Swiss insurance group offering non-life, life, and pension products through direct and broker channels. Carrier partner of BTAG that also competes directly for SME insurance clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/btag-versicherungsbroker-ag

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 BTAG Versicherungsbroker AG