Schleswiger Versicherungsverein Auf Gegenseitigkeit

What Schleswiger Versicherungsverein Auf Gegenseitigkeit does

Schleswiger Versicherungsverein Auf Gegenseitigkeit (Schleswiger VVaG) is a mutual insurance association (Versicherungsverein auf Gegenseitigkeit) founded in 1847 and headquartered in Emmelsbüll-Horsbüll, Schleswig-Holstein, in northern Germany. The company markets itself as "Dein Versicherer im Norden" (Your Insurer in the North) and operates on a solidarity-based mutual model in which policyholders are members and beneficiaries rather than external shareholders. Leadership consists of a two-person Vorstand (Thomas Chrismann as Chairman and Peter A. Petersen as Board Member) plus an Aufsichtsrat chaired by Ludolph Ernst Melfsen-Jessen, supported by 11-50 employees.

The company's core offering is a portfolio of property and casualty insurance products organized in a modular, platform-plus-modules architecture. Personal lines include household contents (Hausratversicherung), bicycle/e-bike, glass breakage, electronics (with explicit focus on photovoltaic, balcony power plant, battery storage, and geothermal systems), and residential building insurance. Commercial lines target SMEs and agricultural operations with commercial building, contents, livestock theft, agricultural building, agricultural inventory, agricultural additional-cost/loss-of-earnings, and commercial rent loss coverage. Each product is offered in tiered structures (Basis, Top, Top Plus) with optional add-on modules; pricing is structured as recurring quarterly subscriptions starting from approximately €10.50 to €15 per quarter per policy. The technology stack is described as standard insurance policy administration and claims management systems, with website hosting outsourced to Medialine EuroTrade AG.

Distribution is hybrid and a key operating feature for a company of this size: direct digital self-serve sales via the company website and online quote calculators (econ.schleswiger.de), a telephone and callback service for personal consultation, and an intermediated broker channel operated through a wholly-owned subsidiary, Schleswiger Versicherungsdienst GmbH, registered under §34d GewO. Marketing is conducted through content (Wissens-Ratgeber), LinkedIn, and Instagram under a "nordisch nah" regional positioning. There is no disclosed venture, private equity, or institutional ownership, consistent with the VVaG legal form, and no public revenue or premium-volume figures are available.

Name

Schleswiger Versicherungsverein Auf Gegenseitigkeit

Legal name

Schleswiger Versicherungsverein Auf Gegenseitigkeit

Website

https://schleswiger.de

Company type

Private

Founded year

1847

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Emmelsbüll-horsbüll

HQ country

Germany

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

Revenue model

1. Property and Casualty Insurance Premiums: The company collects recurring quarterly premiums from policyholders for various insurance products including household, bicycle, glass, electronics, and building insurance. Pricing is tiered based on coverage levels (Basis, Top, Top Plus).
2. Commercial Insurance Products: Revenue from commercial insurance offerings including building insurance, contents insurance, livestock theft insurance, agricultural insurance, and commercial rental loss insurance for businesses.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Schleswiger Versicherungsverein Auf Gegenseitigkeit is a mutual insurance association (VVaG) that underwrites and distributes property and casualty insurance products in northern Germany. Its product portfolio spans personal lines (household contents, residential building, bicycle, glass breakage, and electronics/sustainable-energy insurance) and commercial/agricultural lines (commercial building and contents insurance, livestock theft, agricultural building, agricultural inventory, additional-cost/loss-of-earnings, and commercial rent-loss insurance). Policies are offered in modular tariff tiers (Basis, Top, Top Plus) with optional add-on modules and sold directly online, by phone, and through brokers via its subsidiary.

Product overview

Schleswiger Versicherungsverein Auf Gegenseitigkeit is a mutual insurance association (VVaG) based in northern Germany offering a portfolio of property and casualty insurance products. The product portfolio includes core personal insurance products (Hausratversicherung for household contents, Fahrradversicherung for bicycles/e-bikes, Glasversicherung for glass breakage, Elektronikversicherung for electronics and sustainable energy systems, Wohngebäudeversicherung for residential buildings) and a commercial/business insurance line covering commercial buildings, contents, livestock theft, agricultural operations, and rent loss insurance. Products are offered in modular tariff structures (Basis, Top, Top Plus) with optional add-on coverage modules, reflecting a platform-plus-modules architecture with customizable protection levels.

Differentiator

Problem solved

Functional benefit

Products and services

• Hausratversicherung (Household Contents Insurance) Modular household contents insurance for private individuals protecting furniture, electronics, valuables, and personal belongings against fire, theft, water damage, and storms. Offered in three tariff tiers (Basis, Top, Top Plus) starting from 11 EUR/Quartal, with optional add-on modules such as elemental coverage, bicycle theft, and cyber protection.
• Fahrradversicherung (Bicycle Insurance) Bicycle and e-bike insurance for private owners covering theft, vandalism, accidents, and natural disasters. Available in Top and Top Plus tiers starting from 15 EUR/Quartal, with worldwide coverage, an optional emergency cost package, a theft-protection and Kasko (damage and wear) module, and max insurable value up to 15,000 EUR (Top Plus).
• Glasversicherung (Glass Insurance) Glass breakage insurance covering windows, doors, mirrors, glass plates, and ceramic glass cooktops for private customers. Offered in Top and Top Plus tiers starting from 10.50 EUR/Quartal, with optional emergency glazing and a sustainability clause for eco-friendly repairs, and deductibles of 150 EUR (Top) and 250 EUR (Top Plus).
• Elektronikversicherung (Electronics Insurance) Insurance for sustainable energy and electronic systems including photovoltaic installations, balcony power stations, battery storage, and geothermal systems. Protects against theft and lightning damage, includes revenue-loss compensation up to 12 months, and is offered in two tiers starting from 14 EUR/Quartal with different deductibles (500 EUR vs 250 EUR).
• Wohngebäudeversicherung (Residential Building Insurance) Sustainable residential building insurance for property owners covering damage from fire, water, storms, and elemental events. Premiums and coverage scale with the home's sustainability profile ("Je nachhaltiger dein Haus, desto besser die Prämie und der Leistungsumfang").
• Bauleistungsversicherung (Construction Performance Insurance) Insurance coverage for construction projects protecting against damage to building work during the construction phase, for owners and builders undertaking residential construction or renovation.
• Gewerbliche Gebäudeversicherung (Commercial Building Insurance) Commercial building insurance for business premises, protecting against structural damage from fire, water, storms, and other covered perils, targeted at small and medium businesses.
• Gewerbliche Inhaltsversicherung (Commercial Contents Insurance) Insurance for business equipment including technical and commercial inventory, protecting against damage, theft, and other covered events for small and medium commercial customers.
• Weidetierdiebstahlversicherung (Livestock Theft Insurance) Specialized commercial insurance for livestock owners protecting against theft of animals from pastures, targeted at farms and agricultural operations in northern Germany.
• Landwirtschaftliche Gebäudeversicherung (Agricultural Building Insurance) Commercial insurance for agricultural buildings including farmhouses, barns, and storage facilities on farming operations.
• Landwirtschaftliche Mehrkosten- und Ertragsausfallversicherung (Agricultural Additional Costs and Loss of Earnings Insurance) Commercial insurance covering additional operational costs and loss of income when farming operations are interrupted by insured events, for agricultural businesses.
• Landwirtschaftliche Inventarversicherung (Agricultural Inventory Insurance) Commercial insurance for agricultural inventory including harvest, machinery, and livestock, targeted at farming operations.
• Gewerbliche Mietverlustversicherung (Commercial Rent Loss Insurance) Commercial insurance protecting commercial landlords against loss of rental income when property damage prevents tenants from occupying the premises.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• HUK-COBURG: Large German mutual insurer with broad personal P&C and motor offerings. Overlaps with Schleswiger's product set and mutual structure but operates at national scale across all of Germany.
• Gothaer Versicherung: German mutual insurer offering broad P&C and life products nationally, including commercial lines. Comparable mutual ownership and building/contents product overlap; significantly larger scale.
• R+V Versicherung: Cooperative-style German insurer (Genossenschaft) affiliated with the cooperative banking sector. Overlaps on personal and commercial P&C, building, and agricultural products distributed via partner channels.
• Barmenia Versicherungen: German mutual insurer with health, P&C, and life products. Mutuality structure and personal lines focus comparable; broader product portfolio and national reach.
• Württembergische Versicherung: Mutual P&C and life insurer within the W&W Group. Comparable mutual structure and product mix in personal and commercial lines; substantially larger national franchise.

Direct peers

• VGH Versicherungen Hannover: Regional mutual insurer (Öffentliche Versicherung) in Lower Saxony offering personal P&C, building, and agricultural lines. Closely comparable regional mutual profile to Schleswiger.
• VHV Versicherungen: Mutual P&C insurer (VHV a.G.) with personal and commercial property lines. Similar VVaG governance model and focus on building, contents, and commercial insurance for SMEs.
• Concordia Versicherungen: German mutual insurer offering personal and commercial P&C plus life/health. Comparable mutual ownership structure, multi-line product portfolio, and regional distribution approach.
• Mecklenburgische Versicherungsgruppe: Regional German mutual insurer with personal and commercial P&C focus, headquartered in northern Germany. Comparable mutual structure and product mix covering household, building, and agricultural risks across a limited geographic footprint.
• LVM Landwirtschaftlicher Versicherungsverein Münster: Mutual Versicherungsverein auf Gegenseitigkeit focused on agricultural, personal P&C, and motor lines for private and SME customers in Germany. Closely comparable mutual structure, agricultural weighting, and modular product architecture to Schleswiger.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/schleswiger-versicherungsverein-a-g-
• Instagraminstagram.com/schleswiger_versicherung

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Schleswiger Versicherungsverein Auf Gegenseitigkeit