Insurer profile
BGV Badische Versicherungen (Badischer Gemeinde-Versicherungs-Verband, a public-law corporation, together with its subsidiary BGV-Versicherung Aktiengesellschaft)
<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- Legal entity
- BGV Badische Versicherungen (Badischer Gemeinde-Versicherungs-Verband, a public-law corporation, together with its subsidiary BGV-Versicherung Aktiengesellschaft)
- Headquarters
- Karlsruhe, Germany
- Regulator
- Federal Financial Supervisory Authority (BaFin), Graurheindorfer Straße 108, 53117 Bonn
- Phone
- +49 721 6600
- service@bgv.de
- Founded
- 1923
- Last verified
- Aug 27, 2026
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>
motor
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>
motor
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>
motor
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>
motor
Auto Assistance Cover (Schutzbrief)
<cite index="58-13">Reimburses towing, recovery or overnight accommodation costs in the event of a breakdown or accident.</cite>
liability
Traffic Legal Protection Insurance
<cite index="114-9">Provides legal support for disputes relating to cars and road traffic.</cite>
liability
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>
liability
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>
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>
property
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>
property
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>
property
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>
liability
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>
liability
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>
liability
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>
liability
Water Pollution Liability Insurance
Liability cover for damage caused to water bodies, part of the private liability product range.
liability
Hunting Liability Insurance
Liability insurance for hunters, part of BGV's hobby/leisure liability range.
liability
Boat Liability Insurance
Liability cover for boat owners, part of BGV's leisure/hobby liability range.
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>
accident
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>
accident
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>
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>
life
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>
financial
Rürup Pension
<cite index="135-1">Offers attractive tax advantages, with the pension transferable to a spouse, from EUR 15 per month.</cite>
financial
Riester Pension
A state-subsidised private retirement savings product offered as part of BGV's provision (Vorsorge) range.
financial
Occupational Pension Provision
<cite index="135-1">A tax-advantaged retirement provision that can easily be transferred if the employee changes employer.</cite>
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>
health
Private Health Insurance
Full private health insurance offered together with cooperation partners for customers seeking cover beyond statutory health insurance.
health
Supplementary Health Insurance
Supplementary health cover complementing statutory health insurance, offered with cooperation partners.
health
Health Insurance for Civil Servants
Private health cover tailored to civil servants, offered via cooperation partners.
travel
Overseas Travel Health Insurance
Covers medical costs incurred while travelling abroad, offered via BGV's travel insurance range.
travel
Trip Cancellation Insurance
<cite index="74-10">Covers cancellation or rebooking costs when a trip cannot be taken for an insured reason.</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>
cyber
Online Protection Insurance (Onlineschutz)
Private cyber/online protection cover against risks such as identity theft and online fraud.
cyber
4starters (Children's Online Safety Cover)
A cover for children helping families stay protected while using apps and the internet.
liability
Business & Professional Liability Insurance
<cite index="1-1">Commercial and professional liability cover offered by BGV-Versicherung AG for businesses and professionals.</cite>
liability
D&O Insurance
<cite index="1-1">Directors and officers liability insurance offered by BGV-Versicherung AG.</cite>
financial
Credit and Surety Insurance
<cite index="1-1">Credit and surety/bond insurance offered by BGV-Versicherung AG.</cite>
property
Industrial/Commercial Property & Engineering Insurance
<cite index="1-1">Commercial and industrial property insurance including technical/engineering insurance offered by BGV-Versicherung AG.</cite>
other
Transport and Aviation Insurance
<cite index="1-1">Transport and aviation insurance cover offered by BGV-Versicherung AG.</cite>
pet
Animal (Pet) Insurance
<cite index="1-1">Animal insurance offered by BGV-Versicherung AG.</cite>
other
Reinsurance Services
<cite index="1-1">Reinsurance services provided by BGV-Versicherung AG.</cite>
property
Musical Instrument Insurance
Covers loss of or damage to musical instruments, part of BGV's hobby/leisure product range.
property
Watersports Hull Insurance
Hull insurance cover for watersports equipment such as boats, part of BGV's leisure product range.
liability
Civil Servant Liability Insurance
Liability insurance for civil servants covering professional duties, part of BGV's occupational liability range.
liability
Club Liability Insurance
Liability cover for clubs/associations against claims arising from club activities.
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.
Reputation and reviews
Offer pages
Motor casco
BGV is a motor casco insurance for the Germany market with online purchase and 24/7 assistance.
Last verified Aug 28, 2026
Motor third-party liability
BGV is a motor third-party liability insurance for the Germany market with online purchase and 24/7 assistance.
Last verified Aug 28, 2026
Travel insurance
BGV is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Last verified Aug 28, 2026