Allgemeine Unfallversicherungsanstalt - AUVA

What Allgemeine Unfallversicherungsanstalt - AUVA does

R+V Österreich operates as the Austrian branch (Niederlassung) of R+V Allgemeine Versicherung AG, headquartered in Wiesbaden, Germany, and is part of the R+V Group and the broader cooperative financial group (genossenschaftliche Finanzgruppe) anchored by Raiffeisen. Established in Austria in 1922, the company delivers specialty insurance products to Austrian businesses and individuals through three primary distribution channels: a network of domestic insurance brokers and agents, a direct corporate sales team, and a digital partner portal with tariff calculators for intermediaries. Its product portfolio spans CyberRisk insurance; liability lines including personal and corporate D&O, professional liability, construction business liability, IT-business liability, and property-developer liability; credit insurance covering guarantees, fidelity/trust loss, and trade receivables; technical insurance for electronics, mobile machinery, and stationary machinery; transport insurance (delivered via partnership with KRAVAG Spezialversicherungen) covering cargo, freight liability, vehicle, aviation hull, and exhibition risks; animal insurance for livestock, horse surgery, and horse life; and drone insurance for both private and commercial operators.

The core technology stack is a conventional insurance product and risk management platform, with the proprietary differentiator being an "all-risk coverage" (Allgefahrendeckung) construct that bundles protection against operator error, natural disasters, theft, and technical failure for machinery and electronic equipment. Pricing is quote-based, determined per individual risk assessment and not publicly disclosed, which is standard for specialty commercial lines. The business model relies on broker-led distribution for SME and mid-market segments, with content marketing (expert articles on D&O, cyber, credit risk), LinkedIn corporate communications, and partner webinars as supporting top- and mid-funnel engagement. The primary customer segments are Austrian small and medium-sized enterprises (SMEs), with secondary focus on transport/logistics and agricultural businesses, and a smaller consumer line for drones and equine insurance. Revenue figures are not publicly disclosed.

Name

Allgemeine Unfallversicherungsanstalt - AUVA

Legal name

R+V Allgemeine Versicherung AG, Niederlassung Österreich

Website

https://ruv.at

Company type

Private

Founded year

1922

Operating status

Operating

Headcount range

11–50 employees

Short description

R+V Österreich is the Austrian branch of R+V Allgemeine Versicherung AG, providing specialty insurance including cyber, liability, D&O, credit, technical machinery, transport, and animal coverage to Austrian small and medium-sized enterprises and select consumer segments through brokers and direct corporate sales.

Ownership category

akta.pro rank

Product category

Commercial Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Finance and Insurance (52)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Professional Liability (E&O) (FSAJAGAC)

akta.pro secondary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

Keywords

• Commercial insurance products
• Liability insurance coverage
• Technical equipment insurance
• Trade credit insurance
• D&O insurance protection

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Distribution channels3 records

Marketing channels3 records

Core offering

R+V Österreich is the Austrian branch of R+V Allgemeine Versicherung AG, offering specialty insurance products to Austrian businesses and individuals. The portfolio includes technical insurance (electronics, mobile and stationary machinery), liability insurance (D&O, professional, construction, IT), credit insurance (guarantee, fidelity, trade credit), CyberRisk insurance, transport insurance via KRAVAG, and animal/livestock insurance.

Product overview

R+V Österreich offers a comprehensive portfolio of insurance products for businesses and individuals in Austria. The product lineup includes CyberRisk insurance for digital threats, liability insurance products (D&O, professional liability, business liability for construction and IT sectors), credit insurance (guarantee, fidelity, and trade credit), technical insurance (electronics, mobile machinery, stationary machinery, and transport via KRAVAG partnership), and animal insurance (livestock, horse surgery, and horse life insurance). The company operates as an Austrian branch of the German R+V-Konzern, one of the largest German insurance groups, with a focus on serving small and medium-sized enterprises as well as corporate clients.

Differentiator

Problem solved

Functional benefit

Products and services

• CyberRisk Insurance Insurance protection for businesses against cyber threats including hacker attacks, ransomware, and viruses targeting companies and their management.
• Personal D&O Insurance Personal D&O insurance for managers protecting individual executives from liability risks arising from their management decisions.
• Corporate D&O Insurance Corporate D&O insurance protecting companies from liability arising from management decisions.
• Trade Credit Insurance (Warenkreditversicherung) Trade credit insurance protecting businesses against buyer insolvency and default, optimizing financing conditions for small and medium businesses.
• Guarantee Insurance (Garantieversicherung) Guarantee insurance providing security for contractual obligations and warranties.
• Fidelity Insurance (Vertrauensschadenversicherung) Fidelity insurance covering losses from employee fraud, embezzlement, or breach of trust.
• Electronics Insurance (Elektronikversicherung) Insurance for electronic equipment and systems covering damages from water, lightning, operating errors, and other risks. Protects computers, telecommunications, medical technology, and office equipment.
• Mobile Machinery Insurance (Fahrbare Maschinen) Machine insurance for mobile equipment used in agriculture, construction, and forestry. Covers excavators, wheel loaders, tower cranes, tractors, combine harvesters, and forklifts with all-risk coverage.
• Stationary Machinery Insurance (Stationäre Maschinen) Insurance for stationary machines covering production equipment in various industries. Includes coverage for partial and total damage, with options up to 750,000 EUR per individual machine and 5,000,000 EUR total contract sum.
• Transport Insurance Transport insurance offered through KRAVAG covering boat hull insurance, freight liability, jeweler's insurance, land hull, aviation hull, exhibition insurance, cargo insurance, and commercial vehicle coverage.
• Business Liability Insurance for Construction (Bauunternehmer und Bauhandwerker) Business liability insurance specifically designed for construction companies and trade businesses covering operational risks.
• Business Liability Insurance for IT Companies (IT-Betriebe) Business liability insurance tailored for IT companies addressing technology sector risks.
• Professional Liability Insurance for Consulting Professions (Beratungsberufe) Professional liability insurance for consulting professions covering advice-related risks.
• Construction Client Liability Insurance (Bauherren Haftpflichtversicherung) Liability insurance for property developers and construction clients covering risks during construction projects.
• Livestock Loss of Income Insurance (Ertragsschadenversicherung) Loss of income insurance for agricultural livestock operations covering farm livestock, horses, and agricultural machinery.
• Horse Surgical Cost Insurance (OP-Kostenversicherung für Pferde) Surgical cost insurance for horses covering veterinary surgery expenses.
• Horse Life Insurance (Tierlebenversicherung für Pferde) Life insurance for horses covering death and theft.
• Drone Insurance (Drohnenversicherung) Insurance coverage for drone operators, both private and commercial use.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Three partnerships are on record, tiered core and major.

• R+V-Konzern (R+V Group)coreStrategic or Co-development PartnerR+V Österreich is a branch (Niederlassung) of R+V Allgemeine Versicherung AG, part of one of Germany's largest insurance groups. The company operates as an integral part of the R+V Group structure, benefiting from its financial strength, product portfolio, and market position.
• Raiffeisen Financial GroupcoreStrategic or Co-development PartnerAs part of the cooperative financial group (genossenschaftliche Finanzgruppe), R+V benefits from the strong distribution network and brand association with the Raiffeisen banking group in Austria, one of the country's largest financial services providers.
• KRAVAG SpezialversicherungenmajorStrategic or Co-development PartnerKRAVAG Spezialversicherungen, part of the R+V Group, is a leading provider of transport insurance solutions in the German-speaking markets. R+V Österreich offers these products through its Austrian operations, providing comprehensive transport insurance including cargo, vehicle, and logistics coverage.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Regional players

• Württembergische Versicherung: German mutual insurer with a comparable cooperative ownership heritage and SME-focused P&C, liability, and technical insurance portfolio; a relevant regional peer given the shared mutual/cooperative DNA and DACH-only operating footprint.
• Donau Versicherung: Austrian P&C and SME insurer owned by Vienna Insurance Group, distributing through tied agents to local businesses — overlaps directly with R+V Österreich's SME commercial portfolio in the Austrian market.
• Helvetia Versicherungen Austria: Austrian operation of Swiss Helvetia Group, focused on P&C and SME commercial insurance distributed mainly through brokers — closely comparable in market position, distribution model, and target customer segment to R+V Österreich.

Others

• KRAVAG Spezialversicherungen: Part of R+V Group and a strategic partner of R+V Österreich for transport/cargo/vehicle insurance; an internal-partner/related party whose product line directly extends R+V Österreich's reach into transport insurance.

Broad incumbents

• Generali Versicherung Austria: Part of Generali Group providing P&C, motor, and commercial liability insurance to Austrian businesses through a multi-channel distribution model; overlaps with R+V Österreich's specialty commercial portfolio but operates at much larger scale.
• Zurich Versicherungsgesellschaft Austria: Austrian arm of Zurich Insurance Group serving SME and corporate clients with liability, motor, and specialty lines; a broad incumbent competitor whose global reinsurance relationships and capital strength contrast with R+V Österreich's regional focus.
• AXA Versicherung Austria: Austrian unit of AXA Group offering commercial and specialty insurance via agents and brokers; comparable in product breadth and Austrian SME target market, with stronger international brand recognition.
• Allianz Insurance Austria: Subsidiary of global Allianz Group offering property, casualty, motor, and specialty insurance to Austrian SMEs and corporates; competes broadly in the same lines as R+V Österreich but with deeper capital and a wider international product set.

Direct peers

• UNIQA Insurance Group: Austria's largest domestic insurer with a similarly broad portfolio of P&C, liability, motor, and specialty lines, serving Austrian SMEs and corporates through brokers and tied agents — the closest head-to-head competitor in the Austrian SME specialty segment.
• Vienna Insurance Group (Wiener Städtische): Austrian-headquartered multi-line insurer with overlapping SME, corporate liability, and technical insurance offerings distributed via agents and brokers across Austria — a direct domestic rival for R+V Österreich's customer base.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/r-v-%C3%B6sterreich

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Allgemeine Unfallversicherungsanstalt - AUVA