Lippe state fire insurance
| Lippische Landesbrandversicherung AG
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| legal form | Corporation |
| founding | 1752 |
| Seat | Detmold |
| management | Dirk Dankelmann (board member), Dr. Carsten Lüthgens (board member) and Dr. Winfried Stienen (deputy member) |
| Number of employees | 400 (2020) |
| Website | www.lippische.de |
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The Lippe fire insurance AG is a regionally operating insurance company with headquarters in Detmold , Lippe , whose operating business area is limited to the district area. The guarantee was transferred in 2009 for a purchase price of 76 million euros from the previous owner Landesverband Lippe to Provinzial Rheinland . In 2020 the name was changed to an AG.
Company structure and sales
A total of around 400 people work for the company in the back office at the headquarters in Detmold and in the field.
The overall management of the company has been with Provinzial Rheinland Holding since March 25, 2009. The direct management of the operative business is incumbent on the respective board of directors of the company. There is also a supervisory board and an advisory board. The distribution of insurance products and the customer service is provided by an insurance agent (according to HGB § 84) that are subject to exclusivity and a network of local agencies settled, so-called. "Service Center". In addition, there is the distribution channel via the Lippe savings banks .
The core business is property / liability - accident - comprehensive insurance for the private as well as commercial sector, which is advertised and sold with products developed in-house. " Lippische Pensionsfonds AG ", which is a wholly owned subsidiary , was founded in order to serve the company pension market . Insurance lines that the company does not operate itself (e.g. life and health insurance ) are supplemented by cooperation with other public insurers .
- ÖRAG-Rechtsschutz-Versicherungs-AG
- Union Health Insurance AG
- Union-Reiseversicherung AG
- Provinzial-Lebensversicherung AG
Lippische Landesbrandversicherung AG is subject to insurance supervision by the federal government ( Federal Financial Supervisory Authority ).
history
On February 11, 1752 , the founding law of Lippische Landesbrandversicherung AG, the "Allgemeine Brand-Assecuranz-Societät", was enacted by the ruling Count and Noble Lord of Lippe Simon August . The establishment of a fire fund , which insured against the risks of fire, was primarily intended to counteract the impoverishment of the population in such emergencies and to secure economic assets. Even then, there were always people who wanted to take advantage of the insurance and set their houses on fire themselves. As early as 1756, Count Simon August tried to prevent such fraud and improve fire safety. Rules of conduct were issued to the subjects, and the construction of the houses and their maintenance had to be subject to fire protection requirements. Efforts were also made to improve fire fighting. In Lippe, however, there have always been major fire disasters despite all the precautionary rules and behavioral measures. In Alverdissen , Barntrup , Lemgo and Horn z. B. burned almost 200 houses in the years from 1855 to 1898. As a result of the compulsory insurance for all houses, the fire fund was able to counteract the impoverishment of a large number of Lippe families.
The year 1924 is considered to be an important turning point in the development of the fire insurance fund, when the Lippe state parliament passed the "Law on the Lippische Landes-Brandversicherungsanstalt". After the company had previously acted exclusively as a specialist insurer against fire damage to buildings with monopoly rights, other branches of insurance, the so-called content insurances, became the field of activity of the Lippische Brandkasse . According to the will of the legislature, the establishment should only operate for the common benefit with the exclusion of commercial purposes for this new field of activity.
With the incorporation of the state of Lippe into the state of North Rhine-Westphalia and the establishment of the state association of Lippe in November 1948, the Lippische Landesbrandversicherung AG was incorporated into the state association of Lippe, which now had all the rights and obligations that the state of Lippe had previously had or were borne by it .
With the implementation of the guidelines of the European Community on June 18, 1992, the position of Lippische Landesbrandversicherung AG changed fundamentally, as all existing compulsory and monopoly insurance was abolished. This raised the question of the meaning of the company's public mandate in general. The public-law competition insurers should promote competition and thus contribute to the implementation and maintenance of the economic system in the field of insurance. The presence of public insurers would have a regulating effect on the competitive behavior of the other insurers. If there were no public insurers, the insurance industry would look less pluralistic, less concentrated and less decentralized. The public insurers would thus represent a market regulator.
But not only the area of monopoly was subject to significant changes. In 1994, the law on Lippische Landesbrandversicherung AG, issued in 1924, was changed in major points. The entire underwriting part, which concerns the old compulsory and monopoly insurance, was deleted without replacement, which meant that the building - fire insurance like all other lines of business are operated according to general insurance conditions. In addition, the law reorganized the entire corporate constitution, so that the organs were also adapted to modern corporate constitutional law.
Web links
Individual evidence
- ↑ Page no longer available , search in web archives: Landbrand sale is delayed
- ↑ Purchase price higher than company value. ( Memento from February 11, 2013 in the web archive archive.today )
- ↑ Lippische Brandkasse slips under the roof of the Provinzial . In: Handelsblatt . August 9, 2007 ( Handelsblatt.com ).
Coordinates: 51 ° 55 '53.8 " N , 8 ° 53' 27.9" E