Allianz Nederland Groep NV

What Allianz Nederland Groep NV does

Allianz Nederland Groep NV is the Dutch branch of Allianz Group, operating as a diversified insurance and financial services group headquartered at Coolsingel 120, Rotterdam. The company offers a comprehensive portfolio spanning income protection (AOV for self-employed, WIA supplements, Verzuimverzekering), commercial and personal lines (vehicle, fleet, transport, property, liability, D&O, professional indemnity, legal expenses, cyber, fraud, credit, environmental, machinery, and electronics insurance), pension solutions (Allianz Pensioen, Netto Pensioen, PPI Pensioen), and private products (mortgages and term life). Products are organized both as standalone policies and as customizable packages (Bedrijvenpakket ZZP and MKB) that bundle up to 10% discounts, with sector-specific variants for construction, retail, wholesale, business services, industry, and transport/logistics.

The group operates through six core subsidiaries covering P&C, life, income, asset management, pension institution services, and claims processing, supported by a digital platform that includes MyAllianzBroker for advisors, the Inkomensportaal for employer absence management, dedicated self-service customer portals, and integration with occupational health (ArboNed, Perspectief, ContinuïteitCare), legal (DAS), mental health (MentaVitalis), and e-mobility (Electrizone) partners. The technology layer references AI-assisted underwriting and claims automation, with a marketing and analytics stack built on Google Analytics, Adobe Analytics, Adobe Target, Google Tag Manager, and Landbot/Cobrowser for chat.

Revenue is generated primarily through recurring subscription premiums across the multi-line portfolio, distributed through a hybrid model combining direct online channels (for selected products such as AOV and commercial vehicles starting at €25-€30/month) with a network of over 4,000 independent financial advisors. Customer concentration is in the SMB/MKB and ZZP segments, with additional reach into large employers through pension and income-protection portals; AOV premium examples range from approximately €229 to €357/month, D&O starts at €300/year, and package discounts reach up to 10%, reflecting a long-tail, mid-ticket pricing structure rather than a few large enterprise contracts.

Name

Allianz Nederland Groep NV

Legal name

Allianz Nederland

Website

https://allianz.nl

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

251–500 employees

Short description

Allianz Nederland Groep NV is the Dutch branch of Allianz Group, providing diversified insurance and pension products (income protection, vehicle, liability, property, cyber, pension) to ZZP self-employed professionals, SMBs, large employers, and private individuals in the Netherlands, distributed through 4,000+ independent advisors and digital portals.

Ownership category

akta.pro rank

Product category

Commercial Insurance

NAICS

Insurance Carriers and Related Activities (524), Direct Property and Casualty Insurance Carriers (524126), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Commercial Package / Business Owners Policies (BOP) (FSAJAMAG)

akta.pro secondary industries

Large Commercial Package (National Accounts) (FSAJAFAC), General Liability Insurance (FSAJAMAE), Excess Liability Insurance (FSAJANAC), Whole Life Insurance (FSAIABAA), Basic Group Term Life (Employer-Paid) (FSAIADAA)

Keywords

• Commercial insurance
• Income protection insurance
• Vehicle fleet insurance
• Pension insurance
• Business liability

Headquarters

HQ city

Rotterdam

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Business Insurance Premiums: Allianz generates revenue through annual premiums collected from business customers for various commercial insurance products including commercial property, general liability, commercial auto, professional liability, cyber insurance, and sector-specific coverage for construction, retail, wholesale, business services, industry, and transport/logistics.
2. Arbeidsongeschiktheidsverzekering (AOV) Premiums: Monthly or annual premiums collected from self-employed professionals (ZZP) and business owners for income protection insurance that pays benefits during disability. Premiums are based on insured amount, waiting period, age, and health assessment.
3. WIA and Verzuimverzekering Premiums: Income continuation insurance products for employers covering employee sickness absence costs (up to 104 weeks) and WIA supplementation for workers who become partially disabled after two years of illness.
4. Auto Insurance Premiums: Premiums for commercial vehicle insurance including WA (liability), limited casco, and full casco coverage for company cars, vans, and fleets. Premiums vary by vehicle type, usage, driver history, and selected coverage options.
5. Pension Products: Pension insurance products including Allianz Pensioen (investment-based pension), Allianz Netto Pensioen (for income above €137,800 threshold), and Allianz PPI Pensioen (collective pension scheme via premium pension institution).

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels8 records

Core offering

Allianz Nederland Groep NV is the Dutch branch of Allianz Benelux N.V., offering a comprehensive portfolio of commercial and consumer insurance products along with pension solutions. Its core offerings include income protection (AOV disability insurance), WIA and Verzuimverzekering absence coverage, business and professional liability, commercial vehicle and fleet insurance, property and equipment coverage, cyber and fraud insurance, sector-specific business packages (ZZP and MKB), and pension products for employees. Private products include term life insurance and mortgages.

Product overview

Allianz Nederland Groep NV operates as a diversified insurance and financial services provider offering a comprehensive portfolio of insurance products and pension solutions for both business customers (ZZP/self-employed, SMB, and large enterprises) and private individuals. The product portfolio is organized around several core pillars: (1) Income Protection including AOV (disability insurance) with Absoluut and Summum variants, WIA supplements (Compact, WGA-Aanvulling, WGA-Aanvulling Plus, WIA-Excedent), and absence insurance (InkomensCombinatie, Verzuimverzekering Conventioneel, Stop-Loss); (2) Vehicle & Transport insurance covering commercial auto, van, fleet, and transport/cargo insurance; (3) Liability & Legal including business liability (AVB), professional liability (BAV), D&O, carrier liability, and legal expenses; (4) Property & Assets covering buildings, business interruption, electronics, inventory, machinery, equipment, glass, and environmental damage; (5) Cyber & Fraud insurance; (6) Accident insurance (personal and group); (7) Credit insurance; (8) Pension products (Allianz Pensioen, Netto Pensioen, PPI Pensioen); and (9) Private products including mortgages and term life insurance. Products are available as standalone policies or bundled in customizable Bedrijvenpakket packages (ZZP and MKB variants) offering up to 10% package discounts. The company also offers sector-specific solutions for construction, retail, wholesale, business services, industry, and transport/logistics.

Differentiator

Problem solved

Functional benefit

Brands

• Allianz Absoluut AOV: Arbeidsongeschiktheidsverzekering (AOV) product for self-employed professionals offering comprehensive coverage
• Allianz Summum AOV
• Bedrijvenpakket ZZP
• Bedrijvenpakket MKB
• Allianz Pensioen
• Allianz Netto Pensioen
• Allianz PPI Pensioen
• Electrizone
• Inkomensportaal
• MyAllianzBroker

Products and services

• Allianz Absoluut AOV (Arbeidsongeschiktheidsverzekering) Disability insurance (arbeidsongeschiktheidsverzekering) providing monthly payments when self-employed entrepreneurs and DGA's are unable to work due to illness or accident, with extensive coverage and competitive pricing.
• Allianz Summum AOV (Arbeidsongeschiktheidsverzekering) Premium disability insurance for professionals in business services (accountants, tax advisors, lawyers) or medical professions, offering higher insured amounts and optional coverage for business expenses like rent and employee salaries.
• Allianz WIA-Compact Verzekering Insurance supplementing WIA for employees with less than 35% disability who do not qualify for standard UWV WIA benefits, paying 20% of old income for a predetermined period.
• Allianz WGA-Aanvulling Plus Verzekering Income supplement insurance raising employee income to 70% of previous salary up to approximately €70,000, continuing until retirement age.
• Allianz WGA-Aanvulling Verzekering Income supplement based on disability percentage and utilization of remaining earning capacity as determined by UWV.
• Allianz WIA-Excedent Verzekering Excess income insurance for employees earning above €70,000, supplementing income to 70% or 80% of previous salary.
• InkomensCombinatie Combined product consisting of Verzuimverzekering Conventioneel and WIA-dekking, providing comprehensive absence and disability coverage for employers.
• Verzuimverzekering Conventioneel Absence insurance taking over the employer's salary continuation costs during employee sickness (up to 104 weeks) and supporting with targeted occupational health services.
• Verzuimverzekering Stop-Loss Absence insurance with deductible in the form of a fixed amount, ideal for employers wanting to insure only outliers in sick leave costs.
• Zakelijke Autoverzekering (Commercial Car Insurance) Commercial vehicle insurance for business cars with options for WA, WA + Limited Casco, or WA + Full Casco coverage, including optional add-ons like pechhulp (roadside assistance) and Rechtsbijstand (legal aid).
• Bestelautoverzekering (Commercial Van Insurance) Commercial van insurance covering liability, vehicle damage, cargo, and offering special roadside assistance for electric vans including battery rescue to charging stations.
• Klein Wagenparkverzekering (Small Fleet Insurance) Fleet insurance for businesses with 6-19 vehicles, providing comprehensive coverage for both passenger and commercial vehicles.
• Fleetverzekering (Large Fleet Insurance) Fleet insurance designed for larger vehicle fleets with more than 20 cars, offering tailored insurance solutions.
• Bedrijfsaansprakelijkheidsverzekering (AVB) - Business Liability Insurance Business liability insurance covering claims for damage to property of others or personal injury caused by the business, employees, or products.
• Beroepsaansprakelijkheidsverzekering (BAV) - Professional Liability Insurance Professional liability insurance covering financial loss (pecuniary damage) arising from professional errors such as incorrect advice.
• Bestuurdersaansprakelijkheidsverzekering (D&O Insurance) Directors and Officers liability insurance protecting private assets of board members against financial consequences of claims for errors, negligence, or mismanagement.
• Vervoerdersaansprakelijkheidsverzekering (Carrier Liability Insurance) Carrier liability insurance covering damage to goods or theft for which the professional carrier is liable.
• Garageverzekering (Garage Insurance) Insurance for garages covering damage to others resulting from business activities and damage caused by motor vehicles.
• Rechtsbijstandverzekering (Legal Expenses Insurance) Legal expenses insurance providing legal assistance and advice from DAS specialists for unexpected conflicts arising from business activities.
• Gebouwenverzekering (Commercial Building Insurance) Building insurance covering damage to commercial buildings and business premises.
• Bedrijfsschadeverzekering (Business Interruption Insurance) Business interruption insurance compensating financial consequences when business operations halt due to covered damage.
• CAR-verzekering (Construction All Risk Insurance) All-risk construction and installation insurance covering damage to work during construction or assembly.
• Glasverzekering (Commercial Glass Insurance) Glass insurance covering glass in commercial buildings, complementing building insurance coverage.
• Milieuschadeverzekering (Environmental Damage Insurance) Environmental damage insurance covering cleanup costs when polluting substances are released on the company's own property.
• Cyberverzekering (Cyber Insurance) Cyber insurance protecting businesses against consequences of hacking, system intrusion, data loss or theft, and cyber attacks.
• Fraudeverzekering (Fraud Insurance) Fraud insurance protecting businesses against financial damage from internal and external fraud such as identity fraud or false invoices.
• Elektronica Maatwerkverzekering (Custom Electronics Insurance) Custom electronics insurance covering damage to electronics including defects, own fault, and theft.
• Geldswaardenverzekering (Money and Valuables Insurance) Money and valuables insurance compensating loss of cash or securities, for example due to robbery and theft.
• Inventaris- en Goederenverzekering (Inventory and Goods Insurance) Inventory and goods insurance covering damage to business inventory and goods from perils such as fire and burglary.
• Kantoor- en Winkelelektronicaverzekering (Office and Retail Electronics Insurance) Office and retail electronics insurance covering damage to electronic equipment from defects, own fault, and theft.
• Machineschadeverzekering (Machine Damage Insurance) Machine damage insurance covering physical damage to commercially used machines, for example after theft or repair damage.
• Werkmaterieelverzekering (Heavy Equipment Insurance) Heavy equipment insurance covering damage to or by work equipment such as forklifts or excavators.
• Goederentransportverzekering (Goods Transport Insurance) Goods transport insurance covering damage to goods being transported by professional carriers.
• Transport Eigen Vervoerverzekering (Own Transport Insurance) Own transport insurance covering goods transported with the business's own vehicles, for the account and risk of the business.
• Transport en Verblijfverzekering (Transport and Stay Insurance) Transport and stay insurance covering damage to or loss of items during transport as well as during stay at a specific location.
• Vrachtwagenverzekering (Truck Insurance) Truck insurance providing protection for individual trucks or entire vehicle fleets, with customized coverage for transport activities.
• Allianz Kredietverzekering (Credit Insurance) Credit insurance providing payment guarantee, including debt collection services when a customer ultimately fails to pay.
• MKB Kredietverzekering (SME Credit Insurance) Affordable and simple credit insurance for SMEs without administrative complexity.
• Collectieve Ongevallenverzekering (Group Accident Insurance) Group accident insurance paying a one-time amount if an employee becomes permanently disabled or dies due to an accident.
• Persoonlijke Ongevallenverzekering (Personal Accident Insurance) Personal accident insurance limiting financial consequences of accidents by paying a fixed amount upon permanent disability or death.
• Bedrijvenpakket ZZP (Sole Proprietor Insurance Package) Customizable insurance package for self-employed entrepreneurs (ZZP) bundling multiple coverages with up to 10% package discount.
• Bedrijvenpakket MKB (SME Insurance Package) Comprehensive insurance package covering most common business risks, fully customizable to the business with up to 10% package discount.
• Sector-specifieke Bedrijfsverzekeringen (Sector-Specific Business Insurance) Industry-specific insurance packages tailored to the unique risks of construction, retail, wholesale, business services, industry, and transport/logistics sectors.
• Allianz Pensioen (Pension Insurance) Pension insurance for employees where premiums are invested to build pension capital, from which employees purchase a lifetime pension.
• Allianz Netto Pensioen (Net Pension) Supplementary pension product for employees earning above €137,800 (2024 threshold) to voluntarily build pension above the standard limit.
• Allianz PPI Pensioen (Collective Pension via PPI) Collective pension scheme based on available premium through a premium pension institution (PPI).
• Overlijdensrisicoverzekering (Term Life Insurance) Term life insurance providing lump sum payment upon death, with competitive premiums from a few euros per month and optional early payout for terminal illness.
• Hypotheken (Mortgages) Mortgage products including annuity, linear, and interest-only mortgages, with options for green loans, bridging credit, and sustainability features.

Quantifiable outcome

• Package discount up to 10% when bundling multiple insurance policies
• +3 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration25 records

Feature2 records

Partnerships

Seven partnerships are on record, tiered flagship, core and minor.

• Olympic and Paralympic GamesflagshipStrategic or Co-development Partner · 1 January 2021Allianz serves as the global insurance partner for the Olympic and Paralympic Games from 2021 through 2028. This partnership provides international brand visibility, association with athletic excellence, and demonstrates commitment to supporting global sporting events and athletes worldwide.
• Samen Digitaal VeiligcoreStrategic or Co-development PartnerAllianz Nederland and Samen Digitaal Veilig partnered to strengthen cyber resilience among Dutch businesses. The collaboration helps entrepreneurs prepare for the upcoming Cyber Security Act (NIS2) and contributes to more trust and transparency in business supply chains.
• MentaVitaliscoreStrategic or Co-development PartnerPartnership with MentaVitalis provides Allianz AOV policyholders and their families with free, confidential access to mental health coaching and services 24/7. This is offered as a preventive measure to help policyholders stay mentally fit and resilient, included at no additional cost with AOV insurance.
• ArboNedminorImplementation/ SI/ Consulting PartnerPartnership with ArboNed occupational health service provider. When employers have an ArboNed contract, Allianz handles sickness and recovery notifications on their behalf, streamlining administrative processes for policyholders.
• PerspectiefminorImplementation/ SI/ Consulting PartnerPartnership with Perspectief occupational health service. Similar to ArboNed, Allianz coordinates sickness notifications for employers with Perspectief contracts, reducing duplicate reporting requirements.
• ContinuïteitCarecoreImplementation/ SI/ Consulting PartnerContinuïteitCare provides Allianz Verzuimverzekering Conventioneel policyholders with guidance and advice on prevention, absence management, and reintegration. They also recommend and partially cover intervention costs as part of the insurance's support services.
• DAScoreImplementation/ SI/ Consulting PartnerDAS provides legal assistance and advice for Allianz zakelijke rechtsbijstandverzekering policyholders. DAS specialists offer legal support for unexpected conflicts arising from business activities or professional duties.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Nationale-Nederlanden (NN Group): NN Group is one of the largest Dutch insurance and asset management groups, offering life insurance, pensions, and banking products. It directly competes with Allianz Nederland across life, pensions, and non-life insurance for Dutch consumers and businesses, with a similarly large distribution footprint.
• Achmea: Achmea is the largest insurance group in the Netherlands (Centraal Beheer, Interpolis, FBTO brands), offering health, property/casualty, and life insurance. It competes head-to-head with Allianz Nederland in the MKB and ZZP segments with similar package-style offerings.
• ASR Nederland: ASR Nederland is a major Dutch insurance company offering life, non-life, and pension products with strong positions in the Dutch MKB and employer-sponsored pension markets. Directly competes with Allianz Nederland in pensions, income protection, and commercial packages.
• Aegon: Aegon is a Dutch-domiciled global financial services group with substantial pension, life, and asset management operations in the Netherlands. Competes with Allianz Nederland in pension products (particularly Netto Pensioen segment), life insurance, and investment-linked products for employers.

Broad incumbents

• Zurich Insurance (Netherlands): Zurich is a global insurer with Dutch operations offering commercial P&C, motor, and specialty lines for businesses. Comparable to Allianz Nederland as a global insurer with local Dutch presence targeting MKB and corporate customers with similar product breadth.
• AXA (Netherlands): AXA operates in the Netherlands offering life, health, and P&C insurance products. Comparable to Allianz Nederland as another global insurance group with a Dutch subsidiary providing multi-line coverage to individuals and businesses through advisor and direct channels.
• Generali (Netherlands): Generali has Dutch operations offering life and non-life insurance products. Comparable to Allianz Nederland as a European/global insurance group with a Dutch subsidiary serving the SMB and consumer markets with similar advisor-led distribution.

Emerging players

• Chubb (Netherlands): Chubb operates in the Dutch market focusing on commercial P&C, professional liability, and specialty lines for SMEs and mid-market companies. Comparable to Allianz Nederland's commercial lines business, particularly professional liability (BAV) and D&O coverage, though with narrower product breadth.
• Interamerican (Achmea subsidiary): Interamerican is a Dutch insurer offering non-life and life products, particularly strong in commercial vehicle and transport insurance. Comparable to Allianz Nederland in fleet, vehicle, and transport insurance segments, often competing directly on Bestelauto and Vrachtwagen policies.

Regional players

• De Goudse Verzekeringen: De Goudse is a mid-sized Dutch mutual insurer specializing in disability (AOV), absence, and commercial insurance for the self-employed and SMB market. Directly comparable to Allianz Nederland's core AOV (Absoluut/Summum), WIA, and Verzuimverzekering products serving the ZZP segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/allianznl

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries6 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 Allianz Nederland Groep NV