VHV Gruppe is a German insurance and reinsurance company specializing in non-life and life insurance. They offer services like property, liability, motor vehicle, and construction insurance, with a strong presence in Germany and international markets such as France, Italy, Austria, and Turkey[1][4]. Their target audience includes individuals and businesses, particularly in the construction sector. The unique selling proposition is their market leadership in construction insurance and term life insurance, along with a strong focus on customer-oriented services and digital innovations[1][4].