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Arbeitgeberverband der Versicherungsunternehmen in Deutschland e.V.

The German employers' association for the private insurance industry, representing nearly all insurance companies operating in Germany in collective bargaining.

Last updated September 26, 2026

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Overview

The Arbeitgeberverband der Versicherungsunternehmen in Deutschland e.V. (AGV) is the employers' association for the private insurance industry in Germany. It is a registered voluntary association (eingetragener Verein) headquartered in Munich. Its membership covers nearly 99 percent of all insurance companies based in Germany, meaning that the association represents around 215,000 employees in the sector. The AGV's core function is to act as a collective bargaining party. It negotiates and concludes collective agreements (Tarifverträge) with the trade unions ver.di (Vereinte Dienstleistungsgewerkschaft) and the Deutscher Bankangestellten-Verband (DBV). Beyond wage and framework agreements, the association also proposes individuals for appointment as honorary judges at labour and social courts. The association traces its roots to the late 19th and early 20th centuries, when German insurance companies began organising employer interests during the Wilhelmine Empire and the Weimar Republic. After the Second World War, insurance companies in the western occupation zones formed regional employers' associations from 1947 onwards. On 5 October 1950, these regional associations merged at a meeting in Bad Kissingen to found the Arbeitgeberverband der Versicherungsunternehmen. The name was extended with "in Deutschland" in 1962, and the logo was changed from "agv" to "AGV" in 1984. Over the decades, the AGV has negotiated a wide range of collective agreements covering pay, working time, rationalisation protection, early retirement, partial retirement, training, mobile working, and crisis measures such as short-time work during the COVID-19 pandemic. The association also engages in broader social dialogue, publishes reports and guides, and runs events and projects on topics such as diversity, inclusion, health management, and recruiting.

History

The Arbeitgeberverband der Versicherungsunternehmen in Deutschland (AGV) is the employers' association for the private insurance industry in Germany, organised as a registered voluntary association (eingetragener Verein) with its seat in Munich. Its membership comprises nearly 99 percent of all insurance companies based in Germany, representing approximately 215,000 employees in the sector. The association's origins reach back to the Wilhelmine Empire and the Weimar Republic. Between 1895 and 1914, the German Empire experienced a period of sustained economic boom, and workers across Europe, including Germany, increasingly went on strike to improve their working and living conditions. This led to social policy reforms such as bans on child labour in industry, night work for women, and Sunday work. The conservative imperial government's efforts to advance social legislation were viewed by some as an attempt to court employees as voters. After the Second World War, from 1947 onwards, insurance companies in the western occupation zones joined together to form regional employers' associations in the insurance sector. On 5 October 1950, at a members' meeting of the Gesamtverband der Versicherungswirtschaft in Bad Kissingen, Werner Plath, chairman of the board of National Allgemeine Versicherungs-AG, initiated the founding of a unified employers' association for the German insurance industry. Representatives of 89 insurance companies submitted declarations of accession. The organisation was initially called Arbeitgeberverband der Versicherungsunternehmen; in 1962 the name was extended with "in Deutschland", and in 1984 the logo was changed from "agv" to "AGV". Roman Simon (1888–1951), chairman of the Münchener Vereinigung, became the first chairman of the AGV, followed by Horst Schiemann. Edgar Mussil (1912–2008) served as managing director for many years. The AGV's core task is to act as a collective bargaining party, negotiating and concluding agreements with trade unions. It also proposes individuals for appointment as honorary judges at labour and social courts. The AGV concludes collective agreements for the private insurance industry with the Vereinte Dienstleistungsgewerkschaft (ver.di) and the Deutscher Bankangestellten-Verband (DBV). Collective bargaining in the private insurance industry was initially characterised by the further development of existing agreements. The starting point was the first post-war collective agreement of 1 July 1949, which initially applied to the French occupation zone and was extended from 1 January 1951 to all insurance companies based in the United Economic Area. Early changes included the introduction of collectively agreed sick pay for field staff (1953), the conciliation agreement (1955), the gradual reduction of working time from 1957, the introduction of the five-day week (1960), additional holiday regulations, special payments such as holiday and Christmas bonuses, and several reforms of the salary group system. From the 1970s onwards, further collective agreements and arrangements were added. These included the rationalisation protection agreement for office staff (1970), the collective agreement on capital-forming benefits (1971), and the collective agreement on medical eye examinations at display screens (1979). In the 1980s, early retirement regulations for office and organising field staff followed. German reunification brought further collective regulations. From 1 January 1991, a separate salary collective agreement came into force for office staff in the new federal states; the framework collective agreement and the rationalisation protection agreement were also extended to the accession area with restrictions. In the following years, agreements included the collective agreement on training as an insurance specialist (BWV) of 1993, the collective agreement on a working time corridor effective 1 January 1996, the agreement on the gradual alignment of salaries in the new federal states of 1996, and the partial retirement agreements of 1997 and 1998. On 1 July 1996, the framework collective agreement was newly drafted with numerous editorial and some substantive changes. Since the 2000s, more topic-specific collective agreements have been added. These include in particular the collective agreement on salary conversion (2001), the collective agreement on qualification (2007), which was reintroduced in modified form in 2017, the collective agreement on mobile working (2019), the collective agreements on extending the maximum temporary agency work duration (2019/2020), the collective agreement on taking on trainees with good performance (2020), and the collective agreement on short-time work to cope with the COVID-19 crisis (2020). There were also the collective agreement on converting parts of special payments into additional days off (2021) and the collective agreement on increasing working time for certain part-time employees (2024).

  • 2024

    Collective agreement on increasing working time for certain part-time employees.

  • 2021

    Collective agreement on converting parts of special payments into additional days off.

  • 2020

    Collective agreement on taking on trainees with good performance; collective agreement on short-time work to cope with the COVID-19 crisis.

  • 2019

    Collective agreement on mobile working; collective agreements on extending the maximum temporary agency work duration.

  • 2017

    The qualification collective agreement is reintroduced in modified form.

  • 2007

    Collective agreement on qualification.

  • 2001

    Collective agreement on salary conversion.

  • 1998

    Further partial retirement agreement.

  • 1997

    Partial retirement agreement.

  • 1996

    Collective agreement on a working time corridor effective 1 January; agreement on gradual salary alignment in the new federal states; framework collective agreement newly drafted on 1 July.

Products and positioning

The central employers' association and collective bargaining party for the German private insurance industry, representing nearly all companies in the sector.

  • Collective bargaining agreements (Tarifverträge)

    The AGV negotiates and concludes collective agreements for the private insurance industry with ver.di and DBV.

  • Industry statistics and salary indices

    The association provides statistics on the industry, consumer prices, and salary indices.

  • Publications (Geschäftsbericht, Festschrift 75 Jahre AGV, vis a vis, Branchensozialreport, AGV on air, Rundschreiben, Leitfäden, Broschüren)

    The AGV publishes annual reports, a 75th anniversary commemorative publication, the vis a vis magazine, industry social reports, newsletters, guidelines, and brochures.

  • Events and training

    The association organises events, event programmes, and projects on topics such as Women in Leadership & Culture, demography, diversity, inclusion, health management, and recruiting.

  • BV database and job market

    The AGV operates a BV database and an industry job market (Forum Stellenmarkt der Branche).

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