Paardekooper

What Paardekooper does

Paardekooper Private Insurance is a family-owned Dutch insurance brokerage headquartered in Bilthoven, Netherlands, founded in 1991 by Eduard Paardekooper and now led in its second generation by his son Thomas Paardekooper, who acquired a majority stake around 2022. The firm specializes exclusively in niche insurance for high-net-worth private clients, families, and entrepreneurs, with nine product lines covering high-value homes (thatched-roof villas, monumental properties, premium contents), art and valuables, classic and exclusive vehicles, yachts and motorboats, DGA/director financial planning, business insurance, real estate portfolios (rebuilding values from €10M), and family/health coverage. Underwriting access is delivered through the firm's co-initiated Private Insurance Network (five specialized offices in the Netherlands and Belgium) and its jointly controlled underwriting entity Private Insurance Assuradeuren (PIA), which holds gevolmachtigde authority from Hiscox, AXA XL, Liberty Specialty Markets, Baloise, Nationale-Nederlanden, Europeesche, and ARAG.

The business model is brokerage commission-based, with revenue earned on placed premiums rather than disclosed fees. Distribution is sales-led and consultative: a 30+ person specialist team is organized by department (Homes, Cars & Boats, Life, Business, Claims) with dedicated phone lines and email channels, supported by a 'Partners in Business' referral network of tax advisors, family offices, and appraisers, and a digital 'Shoebox Service' platform that consolidates client policy documentation. Marketing is concentrated in luxury-lifestyle channels, most notably a nine-year sponsorship of the PAN Amsterdam art fair and a feature in Sotheby's International Realty Magazine. The firm holds AFM license 12006075, Kifid registration 300.003277, and KvK registration 30205330, and serves approximately 850 full-portfolio relationships with a reported 9.5/10 customer satisfaction score in 2025 (110 respondents).

Name

Paardekooper

Legal name

Paardekooper Private Insurance

Website

https://paardekooper.net

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

11–50 employees

Short description

Paardekooper Private Insurance is a family-owned Dutch brokerage specializing in niche insurance for high-net-worth individuals, families, and entrepreneurs, covering high-value homes, art, classic cars, yachts, and business portfolios via a 30-person specialist team.

Ownership category

akta.pro rank

Product category

Specialty Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Specialty insurance brokerage
• High net worth insurance
• Niche private insurance
• Luxury asset insurance
• Affluent client advisory

Headquarters

HQ city

Bilthoven

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Advisory and Intermediation: Paardekooper acts as an insurance broker/advisor earning commissions from insurance providers. They offer tailored insurance solutions for high-value properties, art, classic cars, yachts, and comprehensive private portfolios. Revenue comes from commissions paid by partner insurers.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Paardekooper Private Insurance is a specialty insurance broker that arranges and manages niche insurance coverage for affluent private individuals, families, and entrepreneurs. Its core offering is a "Totaalconcept" (Total Concept) in which one dedicated advisor handles the entire insurance portfolio - personal and business - covering high-value homes, art and collectibles, classic and exotic cars, yachts, real estate portfolios, and DGA/entrepreneur risk. Revenue is earned via commissions from partner insurers, and the firm accesses specialized capacity through its jointly controlled underwriting authority Private Insurance Assuradeuren (PIA).

Product overview

Paardekooper Private Insurance operates as a niche insurance broker offering a comprehensive portfolio of specialized insurance products and services for wealthy individuals, families, and entrepreneurs. The core offering consists of nine specialized insurance product categories (Home, Art & Valuables, Cars, Boats, Directors/Entrepreneurs, Business, Real Estate, Family & Health) complemented by service offerings including the Shoebox Service for documentation management and the Totaalconcept for integrated portfolio management. The company positions itself as a specialist providing customized solutions that standard insurers cannot offer, with one contact point for the entire insurance portfolio.

Differentiator

Problem solved

Functional benefit

Brands

• Shoebox Service: Digital service platform for collecting and managing insurance documentation, offering a complete overview of all insurance policies.

Products and services

• Home Insurance (Huis) Specialized home insurance for wealthy individuals covering thatched-roof villas (rietgedekte villa's), country houses, canal houses (herenhuizen en grachtenpanden), monumental buildings, premium contents, exclusive new builds, and vacation homes in the Netherlands and abroad. Includes premium contents coverage and rebuild valuation services.
• Art and Valuables Insurance (Kunst en Kostbaarheden) Specialized insurance for art, antiques, jewelry, watches (including Patek Philippe and Rolex), designer handbags (Hermès, Chanel, Louis Vuitton), and other valuable collectibles. Provides coverage for artworks exhibited at fairs such as TEFAF, Art Basel, and PAN Amsterdam, including transit and worldwide coverage.
• Car Insurance (Auto's) Vehicle insurance covering daily cars, vintage and classic cars (oldtimers en klassiekers), exclusive sports cars including Bugatti and Ferrari, and full car collections. Includes specialized coverage for rally participation and other special-use scenarios that regular insurers typically decline.
• Boat Insurance (Boten) Marine insurance for sloepen (motorboats) and jachten (yachts), with specialized coverage for exclusive yacht brands including Wajer, VanDutch, Zeelander, and MaxiSwan vessels. Includes P&I insurance for crew, international sailing coverage, and access to specialized repair facilities.
• Directors and Entrepreneurs Insurance (DGA's en ondernemers) Insurance and financial planning services for directors-major-shareholders (DGA's) and entrepreneurs, covering disability insurance (arbeidsongeschiktheidsverzekering), financial planning, and pension solutions, with attention to succession planning and financial continuity.
• Business Insurance (Bedrijven) Commercial insurance for businesses covering business liability (bedrijfsaansprakelijkheidsverzekering), cyber insurance, employee benefits, and broader zakelijke verzekering (commercial insurance) needs, with structuring suited to owner-led companies.
• Real Estate Insurance (Vastgoed) Real estate portfolio insurance for property owners and VVE (Vereniging van Eigenaren / owners' associations), with coverage starting from €10,000,000 in rebuilding value. Addresses large-scale Dutch and international property holdings.
• Family and Health Insurance (Familie en Gezondheid) Family and health insurance covering family protection, life risk (overlijdensrisicoverzekering), health insurance (zorgverzekering), personal cyber insurance, travel insurance, legal expenses insurance, liability insurance, and kidnap & ransom coverage for HNW households.
• Shoebox Service Digital service for collecting, uploading, analyzing, and managing all insurance documentation. Clients submit policies, payment proofs, and correspondence through the platform, enabling Paardekooper to produce a consolidated overview of the complete insurance portfolio and identify optimization opportunities.
• Total Concept (Totaalconcept) Comprehensive insurance portfolio management service providing one dedicated point of contact for all personal and business insurance needs, with one invoice and one renewal date across the entire portfolio, helicopter-view oversight, and proactive portfolio optimization.

Quantifiable outcome

• 9.5/10 average customer satisfaction in 2025 based on 110 responses
• +2 more outcomes

Named customers2 records

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

13 partnerships are on record, tiered core, preferred and strategic.

• Private Insurance NetworkcoreStrategic or Co-development PartnerUnique collaboration of five specialized insurance offices in the Netherlands and Belgium. Mede-initiated by Paardekooper, this network enables shared expertise and resources for serving high-net-worth clients across the Benelux region.
• Private Insurance Assuradeuren (PIA)coreStrategic or Co-development PartnerCommon power of attorney company established by the Private Insurance Network members. Acts as authorized agent for multiple specialized insurers including Hiscox, AXA XL, Liberty Specialty Markets, Baloise, Nationale-Nederlanden, Europeesche, and ARAG. Bundles purchasing power to offer more extensive, competitive, and faster insurance solutions.
• HiscoxpreferredTechnology or IntegrationSpecialized insurer for high-value home and contents insurance, working through PIA power of attorney.
• AXA XLpreferredTechnology or IntegrationMajor international insurer providing commercial and specialty insurance solutions through PIA.
• Liberty Specialty MarketspreferredTechnology or IntegrationSpecialty insurer offering niche insurance products for complex risks through PIA.
• BaloisepreferredTechnology or IntegrationSwiss-based insurer providing insurance solutions through PIA.
• Nationale-Nederlanden (Vivat & Reaal)preferredTechnology or IntegrationDutch insurance company providing life and non-life products through PIA.
• Europeesche (ASR)preferredTechnology or IntegrationDutch travel and leisure insurer belonging to ASR group, operating through PIA.
• ARAG RechtsbijstandpreferredTechnology or IntegrationLegal expenses insurance specialist through PIA partnership.
• HVK StevensstrategicStrategic or Co-development PartnerStrategic partnership for integrated real estate continuity solutions. Combines estate planning, fiscal optimization, and insurance to protect real estate portfolios across generations.
• PAN AmsterdampreferredGTM or Marketing PartnerNine-year partnership as sponsor and exhibitor at PAN Amsterdam art fair. Paardekooper invites hundreds of relations annually to this prestigious art fair.
• HVK StevensstrategicStrategic or Co-development PartnerEstate planning and fiscal advisory firm partnering with Paardekooper for integrated real estate continuity solutions, helping clients protect portfolios across generations.
• Sotheby's International RealtypreferredGTM or Marketing PartnerFeatured in Sotheby's International Realty Magazine, positioning Paardekooper as the specialist insurance partner for affluent clients in the luxury real estate and art market.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• MeesRisicobeheer: Dutch specialist insurance broker focused on high-net-worth individuals and complex private risks, operating in the same niche and geography as Paardekooper with similar total-concept portfolio advisory.
• Besso Insurance Group: London-based specialist broker focused on HNW personal insurance, fine art, and private clients with a niche model closely mirroring Paardekooper's high-touch advisory approach.

Broad incumbents

• Aon Private Risk Management: Global insurance broker with a dedicated Private Risk Management practice serving HNW clients worldwide, including the Netherlands. Broader portfolio but overlapping HNW specialty coverage.
• Marsh Private Client Services: Marsh's Private Client Services division provides personal insurance advisory for wealthy individuals, art collectors, and yacht owners — directly overlapping Paardekooper's specialist lines at larger scale.
• Howden (Private Client): Howden operates a specialist Private Client insurance broking practice covering fine art, classic cars, and high-value homes in Europe, competing for the same affluent clientele with broader geographic reach.
• Lockton Private Client: Lockton's Private Client practice serves HNW households with bespoke personal insurance solutions including art, collectibles, and luxury residences, competing in the same specialist category.
• Willis Towers Watson (Private Client): WTW's Private Client and Fine Art practice delivers tailored insurance to wealthy individuals and collectors globally, overlapping with Paardekooper's art, valuables, and high-value home offerings.

Emerging players

• Heffernan Insurance Brokers: US-based brokerage expanding in HNW personal lines with specialist divisions for art, wine, and high-value homes, comparable in niche focus though geographically focused outside Europe.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xtwitter.com/paardekooper
• LinkedInlinkedin.com/company/paardekooper-private-insurance
• Facebookfacebook.com/PaardekooperPrivateInsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 Paardekooper