DAS Belgium
DAS Belgium is a regulated legal expenses insurer serving Belgian individuals, families, and SMEs through a broker-exclusive distribution model, with in-house specialized lawyers handling disputes. It is a subsidiary of ERGO Group, itself part of Munich Re.
- Company typePrivate
- Founded1927
- HeadquartersBrussels, Belgium
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What DAS Belgium does
DAS Belgium (legally D.A.S. Belgische Rechtsbijstandsverzekeringsmaatschappij NV) is a Belgian regulated insurer specializing exclusively in legal expenses insurance (rechtsbijstandverzekering). Founded in 1927 and headquartered in Brussels, the company provides individuals and businesses with coverage that combines legal advice from in-house specialized lawyers, dispute resolution, and payment of judicial and extrajudicial costs. Its core product lines are DAS Classic for individuals and families, FiscAssist for fiscal/tax-related disputes faced by entrepreneurs, and the broker-distributed PROF concept. Underlying these products is a digital platform comprising a Claims Online portal for policyholders, the DAS Extranet for brokers, and a Legal Risk Calculator for broker-side risk assessment.
The company employs 251-500 staff, including 203 expert claims handlers and lawyers with category-specific expertise, and operates with an executive committee comprising a CEO, CFO, COO, and CRO alongside a board that includes independent directors. DAS is a subsidiary of the ERGO Group, which in turn sits within Munich Re (Münchener Rück), and its solvency and governance reporting is aligned with those parents. It is organized as a Naamloze Vennootschap under Belgian company law with enterprise number 0401.620.778.
Revenue is generated through recurring annual insurance premiums paid by individual and SME policyholders. Premiums are calculated using a two-step actuarial method: a base rate per risk multiplied by an individual risk score, with a disclosed risk score band of 0.90 to 1.15 and illustrative annual premiums ranging from approximately €34 to €121 per coverage area plus administrative fees. Go-to-market is exclusively indirect: DAS distributes through insurance brokers (makelaars/courtiers), supported by dedicated Area Managers and proprietary broker tooling. The company does not publicly disclose its revenue, and detailed financials flow up into ERGO and Munich Re reporting.
DAS Belgium firmographics
Firmographics- Name
- DAS Belgium
- Legal name
- D.A.S. Belgische Rechtbijstandsverzekeringsmaatschappij NV
- Website
- https://das.be
- Company type
- Private
- Founded year
- 1927
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- DAS Belgium is a regulated legal expenses insurer serving Belgian individuals, families, and SMEs through a broker-exclusive distribution model, with in-house specialized lawyers handling disputes. It is a subsidiary of ERGO Group, itself part of Munich Re.
- Ownership category
- akta.pro rank
DAS Belgium industry classification
Industry- Product category
- Legal Expense Insurance
- NAICS
- Direct Insurance (except Life, Health, and Medical) Carriers (52412)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Professional Liability (Errors & Omissions) (FSAJADAB)
Keywords
Where DAS Belgium is headquartered
LocationHeadquarters
- HQ city
- Brussels
- HQ country
- Belgium
- HQ region
- Europe
Offices1 record
Markets served
DAS Belgium business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Legal Expenses Insurance Premiums: DAS Belgium generates revenue through insurance premiums paid by policyholders (both individuals and businesses) for legal expenses coverage. Premiums are calculated using a two-step approach: a base rate per risk (forfaitair tarief) multiplied by an individual risk score. The company uses actuarial and statistical segmentation criteria to determine pricing.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Risk-based premium calculation with individual risk score adjustment |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
DAS Belgium product offering
Product offeringCore offering
DAS Belgium sells legal expense insurance (rechtsbijstandverzekering) covering legal advice from specialized lawyers, dispute resolution, and payment of judicial and extrajudicial costs. The product portfolio includes DAS Classic for individuals and families, FiscAssist for fiscal legal disputes among entrepreneurs, and the PROF concept for professional clients, all distributed through insurance brokers in Belgium.
Product overview
DAS Belgium operates as a legal expense insurance (rechtsbijstandverzekering) provider, offering a unified product portfolio centered on legal protection for both individuals (particulieren) and businesses (ondernemingen). The core product DAS Classic provides fundamental legal expense coverage for individuals and families. Additional modules include FiscAssist for tax-related legal assistance targeting business clients, and PROF as a specialized broker-distributed concept. The product ecosystem is supported by self-service tools including the Claims Online portal and DAS Extranet for broker partners, along with the Legal Risk Calculator for broker risk assessment. The company also provides direct legal advice services as part of its coverage offerings.
Differentiator
Problem solved
Functional benefit
Brands
- PROF: A unique legal expense insurance concept offered by DAS
- FiscAssist
- DAS Classic
Products and services
- DAS Classic Standard legal expense insurance policy for individuals and families in Belgium, providing accessible, independent legal assistance. Covers legal questions and conflicts; a team of specialized lawyers handles necessary steps to resolve legal problems. Distributed through insurance brokers.
- FiscAssist Fiscal legal expense insurance product for entrepreneurs and businesses in Belgium, providing coverage for tax-related legal disputes and consultations. Distributed through insurance brokers.
- PROF Rechtsbijstandconcept Unique legal expense insurance concept offered by DAS Belgium through insurance brokers, providing specialized legal coverage tailored for professional clients.
Companies that use DAS Belgium
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
DAS Belgium technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
DAS Belgium partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered parent_company, ultimate_parent and core.
- ERGO Groupparent_companyDAS Belgium is part of the ERGO Group, which is itself part of Munich Re (Münchener Rück). The company is included in the ERGO Group's corporate reporting and governance structure. Annual solvency and financial condition reports are published on ERGO and Munich Re websites.
- Munich Re (Münchener Rück)ultimate_parentMunich Re is the ultimate parent company of DAS Belgium through its ownership of the ERGO Group. Annual solvency and financial condition reports reference Munich Re's website for corporate reporting.
- Insurance Brokers / MakelaarscoreMany brokers and partners have chosen to work with DAS. The company provides tools for brokers including DAS Extranet, Legal Risk Calculator, and the PROF concept. Area Managers support broker relationships. Brokers serve as the primary distribution channel for DAS insurance products to end customers.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
DAS Belgium competitors and assessment
Company assessmentDirect peers
- ARAG SE: ARAG is the world's largest dedicated legal expense insurance specialist, operating across Europe with similar policy structures (covering legal advice, dispute resolution, and judicial costs) and broker/distribution-led GTM. Closest pure-play comparable to DAS Belgium's product and business model.
- D.A.S. Nederland: Dutch sister company under the same Munich Re / ERGO Group umbrella, also specializing in legal expense insurance with similar products, broker distribution, and in-house legal expertise. Direct functional peer operating under shared ownership and governance.
- Roland Rechtsschutz: Germany-based specialist legal expense insurer with focused product portfolio targeting individuals and professionals. Direct comparable as a niche LEI specialist competing with broader multi-line insurers in its home market.
- Legal Village: Belgian legal expense insurance specialist competing head-to-head with DAS in the same domestic market. Direct competitor offering comparable individual and SMB legal protection coverage through Belgian brokers.
- Advocard Rechtsschutz: German legal expense insurer operating as an Allianz subsidiary, providing focused LEI products to individuals and professionals. Comparable as a specialist insurance offering with similar policy mechanics to DAS's product set.
- D.A.S. UK: UK legal expense insurance subsidiary of Munich Re / ERGO Group, providing LEI products to individuals, families, and businesses. Sister company to DAS Belgium under shared ownership with a directly comparable product and operating model in a different geography.
Broad incumbents
- AXA Belgium: Major Belgian multi-line insurer that offers legal expense/protection cover as part of its broader P&C portfolio. Competes with DAS on broker shelves for legal protection lines but is a much larger diversified incumbent.
- AG Insurance (Ageas): One of Belgium's largest multi-line insurers (part of Ageas group) offering legal protection among its broad product portfolio. Overlaps with DAS at the broker distribution tier and competes for the same individual and SMB policies.
- Allianz Belgium: Belgian arm of global insurer Allianz offering legal expense protection as part of its broader P&C and life portfolio. Competes with DAS for broker-distributed individual and SMB protection business in Belgium.
- Belfius Insurance: Belgian bank-affiliated insurer offering a multi-line P&C portfolio including legal protection, distributed in part through captive bank channels and brokers. Adjacent competitor to DAS for SMB and individual coverage.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
DAS Belgium social profiles
Digital presenceDAS Belgium financial estimates
Financial estimateRevenue estimate
Valuation estimate
DAS Belgium leadership team
Management profileNumber of profiles
Profiles4 records
DAS Belgium funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
DAS Belgium M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about DAS Belgium
What does DAS Belgium do?
DAS Belgium sells legal expense insurance (rechtsbijstandverzekering) covering legal advice from specialized lawyers, dispute resolution, and payment of judicial and extrajudicial costs. The product portfolio includes DAS Classic for individuals and families, FiscAssist for fiscal legal disputes among entrepreneurs, and the PROF concept for professional clients, all distributed through insurance brokers in Belgium.
Is DAS Belgium a public or private company?
DAS Belgium is a private company. It is classified as corporate owned and is currently operating.
When was DAS Belgium founded?
DAS Belgium was founded in 1927. It employs 101 to 250 people.
Where is DAS Belgium based?
DAS Belgium is headquartered in Brussels, Belgium, in the Europe region.
How does DAS Belgium make money?
One revenue line is on record: legal Expenses Insurance Premiums.
Who are DAS Belgium's main competitors?
Direct peers on record are ARAG SE, D.A.S. Nederland, Roland Rechtsschutz, Legal Village, Advocard Rechtsschutz and D.A.S. UK. Broad incumbents are AXA Belgium, AG Insurance (Ageas), Allianz Belgium and Belfius Insurance.
Does DAS Belgium have an API?
No public API is recorded for DAS Belgium.
What industry is DAS Belgium in?
DAS Belgium's product category is Legal Expense Insurance. Its primary akta.pro industry code is FSAJADAB, Professional Liability (Errors & Omissions). Its NAICS code is 52412 and its SIC code is 6331.