Avéro Achmea

What Avéro Achmea does

Avéro Achmea is a Dutch specialty insurance company founded in 1811 and operating as a subsidiary within the Achmea financial services group, the largest Dutch insurance conglomerate. The company provides business insurance (Schadeverzekeringen), income protection insurance (Inkomensverzekeringen), agricultural insurance (Agrarische Verzekeringen), and homeowners association (VvE) insurance to entrepreneurs, employers, and self-employed professionals (ZZP), with a particular focus on small and medium-sized enterprises (MKB). Its core technology stack revolves around an insurance underwriting and claims management platform supporting property, liability, income protection, and agricultural coverage products, delivered digitally to intermediaries through the Podium policy administration platform and the Atosi product configuration system.

The company's product architecture centers on two integrated bundles: the Zaken Zekerplan (Business Certainty Plan), which combines building, inventory, and business interruption coverage with up to 8% package discount; and BedrijfActiefPolis (BAP), a comprehensive SME package covering vehicle, property, and liability lines that is distributed through volmacht (underwriting authority) partners. The product portfolio also includes standalone lines such as Inventarisverzekering, Bedrijfsschadeverzekering, Goederentransportverzekering, Milieuschadeverzekering, and a BAP Vrachtautoverzekering launched in April 2024. Specialized products extend to agricultural risks (greenhouse, livestock, crop, and farm equipment coverage) and to environmental damage, electrical inspections (Elektrakeuring), and SCIOS Scope 10 fire prevention services through four certified inspection partners.

Commercially, Avéro Achmea operates exclusively through approximately 250 independent advisors and around 55 coassurantie brokers, with no direct-to-consumer sales channel. Pricing is non-public and tailored to each business risk profile on an annual subscription basis, generating recurring premium revenue across P&C, liability, and income protection lines. The headcount is 251-500 employees distributed across offices in Apeldoorn (headquarters), Leeuwarden, and Tilburg; the company ranks third in the Dutch volmacht market and participates in industry initiatives including the VNAB Contract Zekerheid program. Recent strategic emphasis has been on leadership succession (Bas Kemperman appointed Directeur effective June 2025, Rob Jansen as Directeur Bedrijven effective August 2025) and on product extension into commercial truck insurance, rather than geographic or segment expansion beyond the Netherlands.

Name

Avéro Achmea

Legal name

Avéro Achmea

Website

https://averoachmea.nl

Company type

Private

Founded year

1811

Operating status

Operating

Headcount range

251–500 employees

Short description

Avéro Achmea is a Dutch specialty insurance subsidiary of Achmea, founded 1811, providing business, income protection, agricultural, and VvE insurance exclusively through ~250 independent advisors to Dutch SMEs, entrepreneurs, and self-employed professionals.

Ownership category

akta.pro rank

Headquarters

HQ city

Apeldoorn

HQ country

Netherlands

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Business Insurance Premiums: Primary revenue from property and casualty insurance products for businesses including building, inventory, business interruption, liability, motor vehicle, transport, environmental damage, and agricultural insurance.
2. Income Protection Insurance Premiums: Revenue from disability insurance (AOV), sickness absence insurance, WIA insurance, and supplementary income protection products for employees and self-employed.
3. Prevention Services: Additional services including electrical inspections (SCIOS Scope 10), fire prevention consulting, and risk management advisory that complement insurance products.
4. Electrical Inspection Services: Mandatory electrical inspections required for businesses with insured amounts over €500,000, performed by certified SCIOS Scope 10 inspection companies.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Avéro Achmea provides property, liability, income protection, and agricultural insurance products to Dutch small and medium enterprises (SMEs), self-employed professionals (ZZP), and agricultural businesses. The company distributes exclusively through a network of approximately 250 independent advisors and specialized coassurantie brokers, supported by digital platforms Podium and Atosi. Core offerings include the Zaken Zekerplan package (building, inventory, business interruption) and the BedrijfActiefPolis (BAP) for SMEs, alongside prevention services such as SCIOS Scope 10 electrical inspections.

Product overview

Avéro Achmea is a Dutch insurance company specializing in business insurance products for small and medium enterprises (SMEs), self-employed professionals (ZZP), and agricultural businesses. The company operates primarily through independent advisors and offers two main insurance packages: the Zaken Zekerplan (Business Certainty Plan) providing building, inventory, and business damage coverage with up to 8% bundle discounts, and the BedrijfActiefPolis (BAP) for comprehensive business insurance through volmacht (underwriting authority) partners. Core products include property insurance (Inventarisverzekering, Bedrijfsschadeverzekering, Goederentransportverzekering, Milieuschadeverzekering, Brandverzekering, Gebouwenverzekering), income protection (Arbeidsongeschiktheidsverzekering, Verzuimverzekering, WIA Verzekering), liability coverage (Bedrijfsaansprakelijkheidsverzekering), and specialized lines for agriculture (Agrarische Verzekeringen) and VvE (apartment associations). The company also provides preventive services including electrical inspections (Elektrakeuring) through certified partners.

Differentiator

Problem solved

Functional benefit

Brands

• BedrijfActiefPolis (BAP): A comprehensive business insurance package product line including vehicle, property, and liability coverage.
• Zaken Zekerplan
• Podium

Products and services

• Zaken Zekerplan Package insurance plan offering up to 8% bundle discount when multiple insurance components are combined, including building, inventory, and business damage insurance for Dutch businesses.
• BedrijfActiefPolis (BAP) Comprehensive business insurance package covering vehicles, property, liability, and equipment for small to medium businesses, available through volmacht (underwriting authority) partners via the Atosi platform.
• Inventarisverzekering Business inventory insurance covering damage to equipment, stock, machines, and electronics caused by fire, theft, water, or storm, offered in four coverage levels: Brand, Brand/Storm, Uitgebreid, and Uniek.
• Bedrijfsschadeverzekering Business damage (business interruption) insurance protecting against financial losses from business interruption due to fire, storm, theft, or other covered events, including lost profit and fixed costs.
• Goederentransportverzekering Goods transport insurance covering damage to goods during worldwide transport by land, sea, rail, and air, with three coverage options: Allrisk, External Perils, and Events.
• Milieuschadeverzekering Environmental damage insurance covering costs from environmental damage caused by leakage or fire, with three coverage types: Own Location, Work Location, and Tank Policy.
• Arbeidsongeschiktheidsverzekering (AOV) Disability insurance protecting against loss of income due to illness or disability, available as individual or collective policies.
• Verzuimverzekering Absenteeism insurance covering costs related to employee illness and disability, with options for Stop Loss, Conventioneel, and MKB Verzuim ontzorg.
• WIA Verzekering Work and Income Capacity Act (WIA) insurance including WGA Hiaatverzekering, WGA Uitstapverzekering, WIA Excedentverzekering, and Loondervingsverzekering for employers.
• Bedrijfsaansprakelijkheidsverzekering Business liability insurance covering third-party claims for bodily injury, property damage, and financial loss.
• Gebouwenverzekering Building insurance covering damage to commercial buildings and structures.
• Brandverzekering Fire insurance covering damage to property caused by fire, explosion, and lightning.
• Zakelijke Autoverzekering Commercial vehicle insurance for business cars including WA (liability), Beperkt Casco, and Casco coverage options.
• Rechtsbijstandverzekering Legal expenses insurance covering legal costs and representation for businesses.
• Agrarische Verzekeringen Agricultural insurance product line including Kasverzekering (greenhouse), Bedrijfsgebouwenverzekering, Inventarisverzekering, Voorraadverzekering, and Teelt verzekeringen for greenhouse, livestock, and outdoor cultivation operations.
• VvE Verzekeringen Homeowners association (VvE) insurance including Opstalverzekering, Aansprakelijkheidsverzekering, and Milieuschadeverzekering for apartment associations and residential property management organizations.
• Elektrakeuring Electrical inspection service required for businesses with insured assets over €500,000, conducted by SCIOS Scope 10 certified companies following NTA 8220 standards.
• BAP Vrachtautoverzekering Commercial truck insurance launched in April 2024 via the Atosi platform, featuring choice of deductible, 1-year purchase value regulation up to €250,000 including VAT, standard work risk insurance with WAM coverage, and acceptance authority up to €250,000.

Quantifiable outcome

• Package discount up to 8% when multiple insurance products are bundled
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• Vanbreda Risk & Benefits NederlandcoreStrategic or Co-development Partner · 8 April 2026Strategic coassurantie partner helping entrepreneurs manage and mitigate business risks through tailored insurance solutions. Vanbreda focuses on making entrepreneurship possible by identifying, managing, and insuring business risks.
• Holland VerzekeringsmakelaarscoreChannel Partner/ Reseller/ DistributorRotterdam-based specialized insurance broker providing complex business risk solutions. Avéro Achmea is one of the parties with whom the office collaborates for specialized commercial insurance needs.
• VNAB (Verbond van Nederlandse Assurantiebeurs)coreStrategic or Co-development PartnerAvéro Achmea participates in the VNAB's Contract Zekerheid program aimed at optimizing the joint renewal process, improving insurability, and increasing customer satisfaction. Avéro Achmea is in the consultation group of VNAB.
• SCIOS Scope 10 Certified Inspection CompaniescoreImplementation/ SI/ Consulting PartnerPartnership with certified electrical inspection companies for mandatory SCIOS Scope 10 inspections required for businesses with insured values over €500,000. Avéro Achmea has selected 4 independent inspection companies operating nationally.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat4 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 Avéro Achmea