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
Overview
The BGV Badische Versicherungen insurance group, headquartered in Karlsruhe, is an insurance association founded in 1923. 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. 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.
Source46
Products in this market
3
Offer pages
Company details
- Regulator
- Federal Financial Supervisory Authority (BaFin), Graurheindorfer Straße 108, 53117 Bonn
- Phone
- +49 721 6600
- [email protected]
Products from BGV Badische Versicherungen (Badischer Gemeinde-Versicherungs-Verband, a public-law corporation, together with its subsidiary BGV-Versicherung Aktiengesellschaft)
Motor5
Motor Third-Party Liability Insurance
Protects private individuals and families against the financial consequences of accidents, theft and vehicle damage; motor liability insurance is compulsory.
Comprehensive/Partial Casco Insurance
Offers liability, partial and comprehensive casco cover in three tariffs with sums insured up to EUR 100 million.
Commercial Motor Insurance
Covers company vehicles against liability claims, and can be extended with partial or comprehensive casco cover against theft, hail, storm, vandalism or accidents.
Jung und Mobil (Young Driver Add-on)
Lets novice (newly licensed) drivers drive all vehicles insured with BGV without a risk surcharge.
Auto Assistance Cover (Schutzbrief)
Reimburses towing, recovery or overnight accommodation costs in the event of a breakdown or accident.
Property7
Home Contents Insurance
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.
Buildings Insurance
Provides comprehensive protection for a home against fire, lightning strike, explosion, hail, storm or leaking water damage.
Natural Hazards (Elementary) Add-on Cover
An add-on covering costs from flooding, backwater, landslides, avalanches or snow pressure damage to buildings and contents.
Construction Insurance Package (Baupolice)
A construction insurance package including builder's liability, construction works, fire shell insurance and construction-helper accident cover.
Industrial/Commercial Property & Engineering Insurance
Commercial and industrial property insurance including technical/engineering insurance offered by BGV-Versicherung AG.
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.
Health4
Long-Term Care Daily Allowance Insurance
Provides cover across all care levels with possible state subsidy and individually adjustable daily allowance.
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.
Liability13
Traffic Legal Protection Insurance
Provides legal support for disputes relating to cars and road traffic.
Legal Protection Insurance – Private, Professional & Traffic
Covers private, professional and traffic law disputes from EUR 198.87 per year with unlimited sum insured and free telephone legal advice.
Commercial Legal Protection Insurance
Legal protection for the self-employed, freelancers and tradespeople, with the owner's private area also comprehensively insured.
Private Liability Insurance
Covers personal, property and resulting financial damages caused unintentionally to third parties, from EUR 29.75 per year.
Property Owner's Liability Insurance
Protects property owners against the financial consequences of incidents such as a falling roof tile or an icy pavement.
Animal Owner's Liability Insurance
Covers personal and property damage caused by dogs or horses up to EUR 10 million, from EUR 54.39 per year.
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
Commercial and professional liability cover offered by BGV-Versicherung AG for businesses and professionals.
D&O Insurance
Directors and officers liability insurance offered by BGV-Versicherung AG.
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.
Travel2
Life2
Occupational Disability Insurance
Provides benefits when someone is at least 50 percent unable to work in their occupation for a projected six months or more.
Term Life Insurance
Pays out only in the event of death during the contract term, providing financial security for surviving dependents.
Financial5
Private Pension/Annuity Insurance
A classic or unit-linked annuity offering either a lifelong monthly pension or a lump-sum payout at retirement.
Rürup Pension
Offers attractive tax advantages, with the pension transferable to a spouse, from EUR 15 per month.
Riester Pension
A state-subsidised private retirement savings product offered as part of BGV's provision (Vorsorge) range.
Occupational Pension Provision
A tax-advantaged retirement provision that can easily be transferred if the employee changes employer.
Credit and Surety Insurance
Credit and surety/bond insurance offered by BGV-Versicherung AG.
Pet1
Animal (Pet) Insurance
Animal insurance offered by BGV-Versicherung AG.
Cyber3
Commercial Cyber Insurance (BGVFIRM Cyber)
Provides protection against financial losses from additional costs or loss of earnings resulting from cyber incidents.
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.
Accident3
Personal Accident Insurance
Protects worldwide against accidents in leisure time, at home and at work, going beyond the limited statutory accident cover.
Commercial Group Accident Insurance
Provides lump-sum invalidity payments or an accident pension for permanent impairments, plus recovery and cosmetic-surgery costs.
Golden IV Functional Invalidity Insurance
A functional disability product often used as an alternative to occupational disability insurance for people with pre-existing conditions.
Other1
Transport and Aviation Insurance
Transport and aviation insurance cover offered by BGV-Versicherung AG.
Regulatory updates
BaFin supervises BGV under the German Insurance Supervision Act (VAG). BGV Badische Versicherungen recorded higher premium income in the 2024 financial year but a lower profit than the previous year due to increased claims expenses. BGV also founded a new subsidiary to strengthen its exclusive-agent sales organisation and support intermediaries, and the sales board member left the company in a leadership change.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from BGV for the Germany market, with online purchase and 24/7 assistance.
Last verified Aug 28, 2026
Motor third-party liability
motor third-party liability insurance from BGV for the Germany market, with online purchase and 24/7 assistance.
Last verified Aug 28, 2026
Travel insurance
travel insurance from BGV for the Germany market, with online purchase and 24/7 assistance.
Last verified Aug 28, 2026