Wälder Versicherung Verein auf Gegenseitigkeit (VaG)

What Wälder Versicherung Verein auf Gegenseitigkeit (VaG) does

Wälder Versicherung Verein auf Gegenseitigkeit (VaG), trading as d'waelder Versicherung, is a mutual insurance association founded in 1798 and headquartered in Andelsbuch, Vorarlberg, Austria. It is the oldest insurance company in Vorarlberg, structured as a Versicherungsverein auf Gegenseitigkeit (VaG) under Austrian law and registered as a Kleiner Versicherungsverein a.G. regulated by the Finanzmarktaufsicht (FMA). The firm is owned by its policyholder-members, with each municipality in the Bregenzerwald sending a representative to the governing bodies.

The company's core competency is property insurance (Sachversicherung) — covering residential buildings, households, businesses, agricultural operations, municipalities, and religious institutions against fire, storm, water damage, burglary, and glass breakage. Approximately 7,000 customers are served, and the firm processes up to 2,000 damage claims annually. Beyond direct underwriting of property risks, Wälder Versicherung operates as a multi-agent (Mehrfachagent), curating supplementary products from selected Austrian insurance partners for motor vehicle, legal expense, accident, health, life, and disability coverage. Service-layer offerings include the viafix Betreuungspaket (ongoing policy review), a digital customer portal, online calculators for bicycle and photovoltaic insurance, and the Wälderdoc mobile app for locating on-call doctors in the region. Distribution is built on employed field advisors providing single-source insurance advice, supplemented by digital self-service channels.

The business model is subscription/recurring premium-based with quote-based pricing determined by advisors rather than public disclosure. The firm maintains a wholly-owned subsidiary, VIA Versicherungsmakler GmbH, for insurance brokerage activities, and references a related entity, Vereint VaG Assekuradeur GmbH, for serving customers outside the Vorarlberg core market. Premium income reached 5 million EUR by 2019, with a workforce in the mid-20s. Marketing is conducted through the company website, Facebook, Instagram, content articles, and local community event sponsorships. Awards include the Gütesiegel Familienfreundlicher Betrieb (family-friendly employer seal, 2018, 2019, and 2024) and the Salvus Gesundheitspreis for workplace health (2011, 2015, 2017, 2019).

Name

Wälder Versicherung Verein auf Gegenseitigkeit (VaG)

Legal name

Wälder Versicherung Verein auf Gegenseitigkeit (VaG)

Website

https://waelderversicherung.at

Company type

Private

Founded year

1798

Operating status

Operating

Headcount range

11–50 employees

Short description

Wälder Versicherung is a 228-year-old Austrian regional mutual insurance association (VaG) headquartered in Andelsbuch, Vorarlberg, specializing in property insurance (Sachversicherung) for households, farmers, municipalities, and small businesses across the Bregenzerwald region.

Ownership category

akta.pro rank

Product category

Property Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Property Insurance (Homeowners, Renters & Commercial Property) (FSAJAMAD)

akta.pro secondary industries

Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Habitational / Residential Property Managers BOP (FSAJAFAN)

Keywords

• Property insurance
• Mutual insurance association
• Household insurance
• Agricultural insurance
• Fire insurance coverage

Headquarters

HQ city

Andelsbuch

HQ country

Austria

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Core revenue from property insurance (Sachversicherung) including building and household insurance. Additional revenue from supplementary insurance products as multi-agent selecting from partner insurance companies.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Wälder Versicherung VaG is a regional mutual insurance association specializing in Sachversicherung (property insurance) for the Bregenzerwald/Vorarlberg area, underwriting fire, storm, water damage, burglary, and glass breakage cover directly for residential, agricultural, municipal, religious, and small business properties. As a Mehrfachagent (multi-agent), it also places supplementary lines - including motor, legal protection, accident, health, life, disability, and pension insurance - with selected Austrian partner carriers, supported by the viafix Betreuungspaket recurring policy review service and a customer portal.

Product overview

Wälder Versicherung VaG operates as a regional insurance mutual (Versicherungsverein auf Gegenseitigkeit) offering a unified product portfolio centered on property insurance. The core offering is the Wälder Sachversicherung product line (also branded as Dahôam & Seachar), providing comprehensive coverage for residential buildings, households, businesses, agriculture, municipalities, and churches through a multi-agent model. As a specialist in Sachversicherung (property insurance), the company directly underwrites fire, storm, water damage, burglary, and glass coverage while partnering with selected Austrian insurers to offer supplementary products including disability insurance, motor vehicle insurance, legal protection, accident coverage, health insurance, life insurance, and pension planning. The portfolio is supported by service offerings such as the viafix ongoing policy review service, the Wälderdoc_App for locating on-call medical services, and digital calculator tools for bicycle and photovoltaic insurance.

Differentiator

Problem solved

Functional benefit

Brands

• viafix: Insurance support package that regularly reviews whether insurance contracts still match the customer's life situation
• Wälderdoc_App
• Dahoam & Seachar

Products and services

• Eigenheim (Home/Building Insurance)

Quantifiable outcome

• Up to 2,000 damage claims processed annually, providing financial assistance to customers

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered minor and core.

• Special Olympics Vorarlberg (SOV)minorGTM or Marketing Partner · 12 October 2024Wälder Versicherung is sponsor of Special Olympics Vorarlberg, the team of colleague Desiree. Supporting athletes in swimming competitions including Samina Recovery Cup ski events and national games.
• BOS Technik GmbHminorStrategic or Co-development Partner · 12 October 2024Brandschutz | Objektsicherheit | Sicherheitstechnik company that provided fire safety demonstrations including fire extinguishers and fire blankets at the MITANAND-Weilerfest event.
• VIA Versicherungsmakler GmbHcoreChannel Partner/ Reseller/ Distributor100% subsidiary of Wälder Versicherung VaG, operating as insurance broker. Located in award-winning office building in center of Andelsbuch. Backoffice positions advertised for customer support, broker support, and policy processing.
• Vereint VaG Assekuradeur GmbHcoreTechnology or IntegrationSubsidiary company mentioned in context of serving customers outside Vorarlberg. Bianca works at Vereint VaG Assekuradeur GmbH providing customer support from home office.
• Selected Austrian insurance companiescoreChannel Partner/ Reseller/ DistributorAs multi-agent (Mehrfachagent), Wälder Versicherung works with selected partners on the Austrian insurance market to offer supplementary insurance products including motor, legal protection, accident, health, and life insurance.

Scale indicators5 records

Recent moves10 records

Expansion highlights5 records

Regional players

• Oberösterreichische Versicherung AG: Regional mutual insurer focused on Upper Austria, providing property and household coverages with employed advisors. Same model and product focus as Wälder, but operating in a different Austrian region.
• Kärntner Landesversicherung: Carinthian regional insurer offering property and agricultural insurance in another Austrian federal state. Comparable regional mutual model and product portfolio (including agricultural coverages) but does not compete directly in Bregenzerwald.

Broad incumbents

• UNIQA Insurance Group AG: One of Austria's largest insurance groups offering property, motor, life, and health insurance nationally. Competes with Wälder in Vorarlberg through broader product portfolios, scale advantages, and brand recognition.
• Wiener Städtische Versicherung (Vienna Insurance Group): Major Austrian insurer within the Vienna Insurance Group, offering property and household coverages nationwide at scale. Represents the broader competitive context against which Wälder's niche regional proposition must hold.
• Helvetia Insurance (Austria): Swiss-headquartered multi-line insurer with Austrian operations covering property, motor, and life. Competes in the Vorarlberg market with broader underwriting capacity and cross-border group resources.
• Allianz Insurance Austria: Global insurance group's Austrian subsidiary offering property, motor, and life coverages across Austria. Sets competitive pricing benchmarks and product benchmarks that regional mutuals like Wälder must respond to.

Direct peers

• TIROLER Versicherung: Tyrolean regional mutual insurer offering property and household coverages with strong local brand recognition, paralleling Wälder's positioning in another Austrian Alpine region with comparable product mix and advisory-led distribution.
• Grazer Wechselseitige Versicherung AG: Austrian mutual insurer (Versicherungsverein auf Gegenseitigkeit) operating a similar member-owned model with property insurance as a core line — directly comparable to Wälder in legal form and product focus, but serving the Styria region.
• DONAU Versicherung: Austrian regional insurer with a strong focus on property and household insurance for private customers, employing a comparable advisor-led distribution model in Austrian provinces outside Vorarlberg.
• Vorarlberger Landesversicherung (VLV): The state insurance carrier of Vorarlberg, directly competing with Wälder for property and household insurance in the same Austrian federal state. Closest geographic and product-line peer.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/dwaelder
• Instagraminstagram.com/waelder_versicherung_vag
• LinkedInlinkedin.com/company/w%C3%A4lder-versicherung-verein-auf-gegenseitigkeit-vag-

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 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 Wälder Versicherung Verein auf Gegenseitigkeit (VaG)