Insurer profile

BGV Badische Versicherungen (Badischer Gemeinde-Versicherungs-Verband, a public-law corporation, together with its subsidiary BGV-Versicherung Aktiengesellschaft)

BGV Badische Versicherungen (Badischer Gemeinde-Versicherungs-Verband, a public-law corporation, together with its subsidiary BGV-Versicherung Aktiengesellschaft) · Germany

Founded 1923Karlsruhe, GermanyLast verified Aug 27, 2026

Overview

<cite index="3-1">The BGV Badische Versicherungen insurance group, headquartered in Karlsruhe, is an insurance association founded in 1923.</cite> <cite index="2-4">The Badische Gemeinde-Versicherungs-Verband (BGV), founded in 1923, is the specialist insurer for municipalities in Baden and also the market leader in insuring the public sector there.</cite> <cite index="2-5">For private and corporate customers the group offers property, accident, liability, motor and legal protection insurance, as well as, together with strong cooperation partners, individual solutions in retirement provision, financial services and health insurance.</cite>

Source

Products in this market

Offer pages

Company details

Regulator: Federal Financial Supervisory Authority (BaFin), Graurheindorfer Straße 108, 53117 Bonn
Phone: +49 721 6600
Email: [email protected]

Official website

Products from BGV Badische Versicherungen (Badischer Gemeinde-Versicherungs-Verband, a public-law corporation, together with its subsidiary BGV-Versicherung Aktiengesellschaft)

Motor

Motor Third-Party Liability Insurance

<cite index="54-2,54-3">Protects private individuals and families against the financial consequences of accidents, theft and vehicle damage; motor liability insurance is compulsory.</cite>

Comprehensive/Partial Casco Insurance

<cite index="54-5">Offers liability, partial and comprehensive casco cover in three tariffs with sums insured up to EUR 100 million.</cite>

Commercial Motor Insurance

<cite index="55-3,55-4,55-5">Covers company vehicles against liability claims, and can be extended with partial or comprehensive casco cover against theft, hail, storm, vandalism or accidents.</cite>

Jung und Mobil (Young Driver Add-on)

<cite index="59-11">Lets learner drivers use all vehicles insured with BGV without a risk surcharge.</cite>

Auto Assistance Cover (Schutzbrief)

<cite index="58-13">Reimburses towing, recovery or overnight accommodation costs in the event of a breakdown or accident.</cite>

Property

Home Contents Insurance

<cite index="63-4,63-5">Covers home contents from EUR 29 per year against burglary, fire, water damage, storm and hail, with new-value compensation and up to 15 percent premium refund.</cite>

Buildings Insurance

<cite index="118-1,118-2,118-4">Provides comprehensive protection for a home against fire, lightning strike, explosion, hail, storm or leaking water damage.</cite>

Natural Hazards (Elementary) Add-on Cover

<cite index="123-4,123-5">An add-on covering costs from flooding, backwater, landslides, avalanches or snow pressure damage to buildings and contents.</cite>

Construction Insurance Package (Baupolice)

<cite index="66-3">A construction insurance package including builder's liability, construction works, fire shell insurance and construction-helper accident cover.</cite>

Industrial/Commercial Property & Engineering Insurance

<cite index="1-1">Commercial and industrial property insurance including technical/engineering insurance offered by BGV-Versicherung AG.</cite>

Musical Instrument Insurance

Covers loss of or damage to musical instruments, part of BGV's hobby/leisure product range.

Watersports Hull Insurance

Hull insurance cover for watersports equipment such as boats, part of BGV's leisure product range.

Health

Long-Term Care Daily Allowance Insurance

<cite index="135-1">Provides cover across all care levels with possible state subsidy and individually adjustable daily allowance.</cite>

Private Health Insurance

Full private health insurance offered together with cooperation partners for customers seeking cover beyond statutory health insurance.

Supplementary Health Insurance

Supplementary health cover complementing statutory health insurance, offered with cooperation partners.

Health Insurance for Civil Servants

Private health cover tailored to civil servants, offered via cooperation partners.

Liability

Traffic Legal Protection Insurance

<cite index="114-9">Provides legal support for disputes relating to cars and road traffic.</cite>

Legal Protection Insurance – Private, Professional & Traffic

<cite index="108-1">Covers private, professional and traffic law disputes from EUR 198.87 per year with unlimited sum insured and free telephone legal advice.</cite>

Commercial Legal Protection Insurance

<cite index="109-11,109-12">Legal protection for the self-employed, freelancers and tradespeople, with the owner's private area also comprehensively insured.</cite>

Private Liability Insurance

<cite index="65-5,65-7">Covers personal, property and resulting financial damages caused unintentionally to third parties, from EUR 29.75 per year.</cite>

Property Owner's Liability Insurance

<cite index="62-1">Protects property owners against the financial consequences of incidents such as a falling roof tile or an icy pavement.</cite>

Animal Owner's Liability Insurance

<cite index="77-1">Covers personal and property damage caused by dogs or horses up to EUR 10 million, from EUR 54.39 per year.</cite>

Water Pollution Liability Insurance

Liability cover for damage caused to water bodies, part of the private liability product range.

Hunting Liability Insurance

Liability insurance for hunters, part of BGV's hobby/leisure liability range.

Boat Liability Insurance

Liability cover for boat owners, part of BGV's leisure/hobby liability range.

Business & Professional Liability Insurance

<cite index="1-1">Commercial and professional liability cover offered by BGV-Versicherung AG for businesses and professionals.</cite>

D&O Insurance

<cite index="1-1">Directors and officers liability insurance offered by BGV-Versicherung AG.</cite>

Civil Servant Liability Insurance

Liability insurance for civil servants covering professional duties, part of BGV's occupational liability range.

Club Liability Insurance

Liability cover for clubs/associations against claims arising from club activities.

Travel

Overseas Travel Health Insurance

Covers medical costs incurred while travelling abroad, offered via BGV's travel insurance range.

Trip Cancellation Insurance

<cite index="74-10">Covers cancellation or rebooking costs when a trip cannot be taken for an insured reason.</cite>

Life

Occupational Disability Insurance

<cite index="138-3">Provides benefits when someone is at least 50 percent unable to work in their occupation for a projected six months or more.</cite>

Term Life Insurance

<cite index="136-4">Pays out only in the event of death during the contract term, providing financial security for surviving dependents.</cite>

Financial

Private Pension/Annuity Insurance

<cite index="137-13">A classic or unit-linked annuity offering either a lifelong monthly pension or a lump-sum payout at retirement.</cite>

Rürup Pension

<cite index="135-1">Offers attractive tax advantages, with the pension transferable to a spouse, from EUR 15 per month.</cite>

Riester Pension

A state-subsidised private retirement savings product offered as part of BGV's provision (Vorsorge) range.

Occupational Pension Provision

<cite index="135-1">A tax-advantaged retirement provision that can easily be transferred if the employee changes employer.</cite>

Credit and Surety Insurance

<cite index="1-1">Credit and surety/bond insurance offered by BGV-Versicherung AG.</cite>

Pet

Animal (Pet) Insurance

<cite index="1-1">Animal insurance offered by BGV-Versicherung AG.</cite>

Cyber

Commercial Cyber Insurance (BGVFIRM Cyber)

<cite index="73-2">Provides protection against financial losses from additional costs or loss of earnings resulting from cyber incidents.</cite>

Online Protection Insurance (Onlineschutz)

Private cyber/online protection cover against risks such as identity theft and online fraud.

4starters (Children's Online Safety Cover)

A cover for children helping families stay protected while using apps and the internet.

Accident

Personal Accident Insurance

<cite index="132-4">Protects worldwide against accidents in leisure time, at home and at work, going beyond the limited statutory accident cover.</cite>

Commercial Group Accident Insurance

<cite index="133-5">Provides lump-sum invalidity payments or an accident pension for permanent impairments, plus recovery and cosmetic-surgery costs.</cite>

Golden IV Functional Invalidity Insurance

<cite index="126-5">A functional disability product often used as an alternative to occupational disability insurance for people with pre-existing conditions.</cite>

Other

Transport and Aviation Insurance

<cite index="1-1">Transport and aviation insurance cover offered by BGV-Versicherung AG.</cite>

Reinsurance Services

<cite index="1-1">Reinsurance services provided by BGV-Versicherung AG.</cite>

Regulatory updates

BaFin supervises BGV under the German Insurance Supervision Act (VAG). For 2025, BaFin set sector-wide priorities including IT/cyber risk management, adequate handling of geopolitical and economic uncertainty, and continued conduct-of-business supervision; <cite index="83-15">BaFin assessed the economic situation and risk-bearing capacity of life insurers in 2025 as continuing to be stable</cite>. On the company level, <cite index="15-6,15-7">BGV Badische Versicherungen recorded higher premium income in the 2024 financial year, but achieved a lower profit than the previous year due to increased claims expenses</cite>. <cite index="15-3,15-4">BGV also founded a new subsidiary intended to strengthen its exclusive-agent sales organization and support intermediaries with expanded services</cite>, and <cite index="15-9,15-10">the sales board member separated from the company</cite> during a leadership reshuffle.