Quintes

What Quintes does

Quintes is a Netherlands-based independent insurance advisory and risk management firm headquartered in Waardenburg, operating a network of 20+ physical branch offices and serving approximately 200,000 customers across both the small and medium-sized business (MKB) and private individual segments. The company provides tailored insurance solutions by placing coverage with a panel of 23 insurer partners, complemented by Quintes Underwriting B.V., a wholly-owned underwriting agency that operates as a Lloyd's coverholder and authorized agent (gevolmachtigde) handling policy quoting, acceptance, administration, premium collection, and claims processing for multiple carriers.

The product portfolio spans business lines (building, cyber, business interruption, environmental damage, fleet/cargo, employee benefits, disability, and pension advisory) and personal lines (home, contents, valuables, recreational home, travel, bicycle, caravan, boat, liability, health, legal expense, pension, and funeral). The core technology is a traditional advisory model with no significant proprietary technology products; value delivery is grounded in personal advisor consultations, risk analysis, and ongoing portfolio monitoring rather than digital self-service. The stated business customer satisfaction score is 9.2 out of 10.

Quintes earns revenue primarily through commissions from placed insurance products with its 23-insurer network, supplemented by underwriting agency income from Quintes Underwriting. Pricing is quote-based and not publicly disclosed, with services delivered through personal consultations. The company has been part of Brown & Brown, Inc. (a U.S.-listed insurance intermediary founded in 1939) since 2024, operating as a wholly-owned subsidiary while retaining its Dutch brand and operational independence. The Gendt office traces its roots to a family business established in 1975.

Name

Quintes

Legal name

Quintes Holding B.V.

Website

https://www.quintes.nl/

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Quintes is a Netherlands-based independent insurance broker and advisor operating 20+ branch offices, serving approximately 200,000 SMB and private customers with insurance products placed across 23 insurer partners and a Lloyd's coverholder underwriting subsidiary.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Advisory

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Small Business BOP (Main Street) (FSAJAFAA)

Keywords

• Insurance brokerage services
• Commercial insurance advisory
• Personal insurance advisory
• Risk management consulting
• Underwriting agency services

Headquarters

HQ city

Waardenburg

HQ country

Netherlands

HQ region

Europe

Offices17 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D

Revenue model

1. Insurance Advisory and Commission: Quintes earns revenue through commissions from insurance products placed with their network of 23 insurers. The company acts as an independent insurance broker and advisor, providing risk analysis, policy selection, and ongoing management services to clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Quintes is an independent insurance advisor and broker delivering risk analysis, policy selection, and ongoing portfolio management to Dutch SMBs (MKB) and private individuals. It places business across a panel of 23 partner insurers, covering business assets, employee benefits, transport/fleet, home, family, and pension/funeral risks. Through its subsidiary Quintes Underwriting B.V., it additionally operates as a Lloyd's coverholder and authorized agent handling policy lifecycle and claims on behalf of multiple insurers.

Product overview

Quintes is a Dutch insurance advisory firm providing a comprehensive range of insurance products and services for both businesses (zakelijk) and individuals (particulier). The company operates through two main divisions: Quintes Verzekeren en Risicobeheer (insurance and risk management advisory) and Quintes Underwriting (underwriting services as a Lloyd's coverholder). Business products include Mijn Onderneming (building, cyber, business damage, environmental damage insurance), Mijn Medewerkers (collective accident, employee pension, sick leave insurance), Ondernemer (accident, disability, entrepreneur pension, death risk insurance), and Onderweg (transport, cargo, fleet, company car insurance). Personal products include Wonen (home, contents, valuables, recreational home insurance), Particulier Onderweg (travel, bicycle, caravan, boat insurance), Jij en Je Gezin (liability, health, legal expense insurance), and Later (pension, funeral insurance). The company serves approximately 200,000 customers across 20+ locations in the Netherlands.

Differentiator

Problem solved

Functional benefit

Brands

• Quintes Underwriting: The underwriting agency of Quintes, operating as an authorized agent for multiple insurers (gevolmachtigde agent) with authority to quote, accept, mutate, administer policies, collect premiums, and handle claims.

Products and services

• Mijn Onderneming (Business Insurance for Companies)

Quantifiable outcome

• Customer satisfaction score of 9.2 out of 10 from business customers

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators5 records

Recent moves3 records

Expansion highlights5 records

Direct peers

• Voogd & Voogd Verzekeringen: Dutch independent insurance broker and risk advisor with a multi-branch network serving SMBs and individuals across the Netherlands — directly comparable to Quintes in customer segments, distribution model, and product breadth.
• MeesRisicobeheer: Netherlands-based independent risk management and insurance broker focused on corporate and SMB clients. Closely comparable to Quintes' commercial insurance advisory business and underwriting-adjacent capabilities.
• Van Bruggen Adviesgroep: Dutch financial advisory group offering insurance, mortgage, and pension products through a branch network. Comparable to Quintes in its hybrid personal/business advisory model and physical distribution footprint.
• Klap Verzekeringen: Dutch insurance broker and risk advisor serving SMB and private clients through a regional branch network. Directly comparable to Quintes in target segments and advisory-led distribution.
• Dazure: Independent Dutch insurance and risk advisor focused on medium-sized businesses and (semi-)public sector clients. Closely comparable to Quintes' MKB advisory focus and multi-insurer independent model.

Broad incumbents

• Aon Netherlands: Dutch arm of global insurance broker Aon plc, serving large corporates, mid-market, and specialty risks. Overlaps with Quintes' commercial advisory but operates at much greater scale with broader international capabilities.
• Marsh Netherlands: Dutch operations of Marsh McLennan, a global insurance broker and risk advisor. Comparable to Quintes in commercial lines broking, with significantly broader product, risk consulting, and reinsurance capabilities.
• Willis Towers Watson Netherlands: Dutch operations of WTW, a global advisory, broking, and solutions firm. Comparable to Quintes in commercial insurance and risk advisory, with deeper international reach and pension/benefits capabilities.
• Nationale-Nederlanden: Major Dutch insurer (part of NN Group) selling life, non-life, and pension products direct and via intermediaries. Comparable to Quintes in product categories but competes as a carrier rather than an independent broker.
• Centraal Beheer (Achmea): One of the largest Dutch insurance brands (part of Achmea), offering property, casualty, health, and pension products direct to consumers and businesses. Competes with Quintes in the Dutch SMB and individual markets through direct channels.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/quintes-verzekeren-en-risicobeheer

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Quintes