Insurer profile
Carinthian State Insurance, Mutual Association (Kärntner Landesversicherung auf Gegenseitigkeit)
The Kärntner Landesversicherung (KLV) is an Austrian regional insurer with its registered office in Klagenfurt am Wörthersee, operating as a mutual insurance association (Versicherungsverein auf Gegenseitigkeit) primarily in the state of Carinthia, offering property, motor, accident, life, health and liability products for private and commercial customers through 14 local customer offices.
Source- Legal entity
- Carinthian State Insurance, Mutual Association (Kärntner Landesversicherung auf Gegenseitigkeit)
- Headquarters
- Klagenfurt am Wörthersee, Austria
- Regulator
- Austrian Financial Market Authority (FMA)
- Phone
- +43 463 5818
- anfragen@klv.at
- Founded
- 1899
- Last verified
- Aug 25, 2026
Products from Carinthian State Insurance, Mutual Association (Kärntner Landesversicherung auf Gegenseitigkeit)
property
Agricultural Insurance
Property insurance package for farms covering buildings, machinery and stock against fire, storm and other agricultural risks.
liability
Liability Insurance for Green Care Providers
Liability cover for farms offering Green Care social and therapeutic services to third parties.
motor
Agricultural Motor Vehicle Insurance
Motor insurance tailored to tractors and other agricultural vehicles.
liability
Agricultural Legal Protection Insurance
Legal expenses cover for disputes arising from farming and forestry activities.
health
Agricultural and Forestry Accident Provision
Private accident insurance designed for farmers and forestry workers.
life
Agricultural and Forestry Life Provision
Life insurance provision products designed for farming and forestry families.
property
Hail Insurance
Crop insurance protecting agricultural production against hail damage.
property
Household Insurance
Home contents insurance covering fire, natural hazards, water damage and burglary, including private liability cover.
property
Home Building Insurance
Building insurance protecting owner-occupied homes against fire, storm, water and other structural risks.
property
Shell Construction Insurance
Insurance covering buildings under construction against fire, storm and other risks during the building phase.
property
KLV SofortHelfer Home
Digital assistance add-on service supporting customers with home-related claims and emergencies.
life
Term Life Insurance
Term life insurance protecting family, partner or a loan in case of death.
life
Loan Protection Insurance
Life insurance that covers the outstanding balance of a loan in the event of the borrower's death.
life
Funeral Provision Insurance
Life insurance product that provides financial provision to cover funeral costs.
life
Zukunftspolster - Fonds (Unit-Linked Provision)
Fund-linked life insurance savings and provision product, including salary conversion, term life, loan protection and funeral cover options.
life
Zukunftspolster - Klassik (Classic Provision)
Classic endowment life insurance savings product including single-premium and survival/death benefit options for retirement provision.
life
Endowment Insurance (Erlebensversicherung)
Endowment life insurance paying out a lump sum at the end of the policy term.
life
Single Premium Life Insurance (Einmalerlag)
Single-premium classic life insurance savings product.
life
Prize Savings Bond (Gewinnsparbrief)
Savings-oriented life insurance product combined with prize draw participation.
life
Endowment / Term Life Insurance (Er- und Ablebensversicherung)
Combined survival and death benefit life insurance for retirement and family provision.
motor
Motor Third-Party Liability Insurance
Mandatory motor liability insurance covering damage caused to third parties.
motor
Motor Comprehensive Insurance (Kasko)
Vehicle own-damage insurance offered as partial (Teilkasko) or fully comprehensive (Vollkasko) cover.
motor
Motor Comprehensive Insurance (Vollkasko)
Fully comprehensive vehicle insurance covering own damage regardless of fault.
motor
Motor Partial Comprehensive Insurance (Teilkasko)
Partial comprehensive vehicle insurance covering theft, glass, fire and natural hazard damage.
liability
Vehicle Legal Protection Insurance
Legal expenses cover for disputes related to vehicle use and traffic incidents.
health
Vehicle Occupant Accident Insurance
Accident insurance covering the driver and passengers of a vehicle in the event of a traffic accident.
motor
Motorcycle/Moped Insurance
Motor insurance for motorcycles and mopeds including liability and optional casco cover.
motor
Classic Car Insurance
Motor insurance tailored to the special needs of classic and vintage vehicles.
motor
KLV SofortHelfer for Motor Insurance
Digital assistance add-on service supporting customers with vehicle-related claims.
motor
Occupant Accident Cover with KLV SofortHelfer
Occupant accident insurance combined with the KLV SofortHelfer digital assistance service.
health
Accident Insurance
Private accident insurance providing financial protection in case of accidental injury or death.
health
Senior Accident Insurance
Accident insurance specifically designed for the needs of senior citizens.
health
KLV SofortHelfer Accident, Care & Rehabilitation
Digital assistance add-on service supporting customers after accidents and with care or rehabilitation needs.
other
Youth Insurance
Bundled insurance package designed for the needs of children and young people.
other
Student Insurance
Insurance package tailored to the needs of students.
liability
Private Liability Insurance
Private liability insurance covering damages caused to third parties in everyday life.
health
Health Insurance
Private health insurance offered in cooperation with Merkur Versicherung, complementing statutory health cover.
cyber
KLV SofortHelfer Cyber & IT
Digital assistance add-on service providing support in cases of cyber and IT-related incidents.
financial
KLV SofortHelfer Purchase and Account Protection
Digital assistance add-on service protecting customers in connection with purchases and bank account misuse.
property
Commercial Insurance
Property and liability insurance package designed for the needs of businesses and self-employed people.
other
Kärntner Unternehmerin
Insurance package specifically designed for female entrepreneurs in Carinthia.
liability
Commercial Liability Insurance
Liability insurance protecting businesses against claims for damages caused to third parties.
liability
Commercial Legal Protection Insurance
Legal expenses insurance covering disputes arising from business operations.
property
Transport Insurance
Insurance covering goods and cargo against loss or damage during transport.
property
Commercial Real Estate Insurance
Property insurance for businesses that own or professionally manage real estate.
motor
Commercial Motor Vehicle Insurance
Motor insurance for company vehicle fleets, covering liability and own damage.
health
Corporate Group Accident Insurance
Collective accident insurance for a company's employees.
other
Municipality Insurance
Insurance package designed for the specific risks of municipalities in Carinthia.
Regulatory updates
KLV is supervised by the Austrian Financial Market Authority (FMA), based in Vienna, which oversees its licensed insurance operations. No public FMA sanctions or enforcement actions specifically against KLV were found. In 2024 the company celebrated its 125th anniversary and received an award of recognition from the city of Klagenfurt, and in early 2025 kununu named KLV a 'Top Company 2025' based on employee satisfaction ratings.
Reputation and reviews
Offer pages
Motor casco
KLV is a motor casco insurance for the Austria market with no online purchase and limited assistance availability.
Last verified Aug 26, 2026
Motor third-party liability
KLV is a motor third-party liability insurance for the Austria market with no online purchase and limited assistance availability.
Last verified Aug 26, 2026