What Sazas does

Sazas is a Dutch specialist insurer, founded in 1993 and headquartered in Woerden, Netherlands, focused exclusively on sickness-absence insurance (verzuimverzekeringen) and related occupational-health services for small and medium-sized employers. The company originated in the agrarian and green sector and has since expanded into the broader Dutch SMB market, where it positions itself as a verzuimspecialist rather than a generalist insurer. Its product portfolio is anchored on three packages - InEigenHand (flexible basic coverage), HandenVrij Compleet (insurance plus full occupational-health services and Poortwachtergarantie), and HandenVrij MKB verzuim-ontzorg (all-in-one SMB outsourcing package certified under the Productconvenant MKB verzuim-ontzorgverzekering) - supplemented by a stack of employee income-insurance products such as PLUS-verzekering, WGA-hiaatverzekering, Inkomen Gezond, WIA-excedent and the Ongevallenverzekering. Underlying these products is a relatively conventional digital stack: an online premium calculator, the MijnSazas customer portal for policy management and sick-leave reporting, and document access, integrated with partner occupational-health providers ArboNed and ZekerArbo.

Sazas earns revenue primarily through recurring annual insurance premiums on absence and income-protection policies, with secondary recurring streams from bundled occupational-health and case-management services. Pricing is quote-based, varying by employer size, wage sum, absence history, own-risk period and add-ons, and is not publicly disclosed. Distribution combines a direct postal-code-mapped field advisor network (Adviseur Inkomen), inside sales via phone, a self-service online quote tool, and an accountant/advisor referral channel - all focused on the Dutch domestic market. Customer outcomes are the principal evidence of value: the company reports customer average absence below the Dutch national average and that 70% of customers have been clients for more than 10 years, supporting renewal-driven economics in a tightly defined niche.

Strategically, Sazas operates as a regulated, certification-anchored SMB absence specialist with durable customer relationships but limited geographic or product-line diversification beyond the Netherlands. Its primary moat sources are regulatory certification, Dutch absence-law domain expertise, switching costs embedded in employer absence workflows, and a vertically integrated field-advisor distribution model, with no disclosed AI, no funding activity and no acquisitions in the data.

Name

Sazas

Legal name

Sazas

Website

https://sazas.nl

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

51–100 employees

Short description

Sazas is a Dutch specialist insurer, founded in 1993 and headquartered in Woerden, providing sickness-absence insurance and integrated occupational-health services to small and medium-sized employers across the Netherlands, with deep roots in the agrarian and green sectors.

Ownership category

akta.pro rank

Product category

Absence and Income Protection Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

Accident & Health Insurance (6321)

akta.pro primary industry

Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD)

Keywords

• Absence insurance
• Occupational health services
• Income protection insurance
• SME insurance packages
• Employee sickness insurance

Headquarters

HQ city

Leiden

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Verzuimverzekering (Absence Insurance) Premiums: Core revenue from providing absence insurance policies that cover salary continuation costs for employers during employee illness periods. Premiums are calculated based on company size, wage sum, absence history, and selected coverage levels. Employers pay premiums to protect against financial risks of employee sick leave.
2. Arbodienstverlening (Occupational Health Services): Additional revenue stream from providing occupational health and absence management services including case management, workplace investigations, preventive medical examinations, and intervention programs.
3. Employee Income Insurance Products: Supplementary insurance products for employees including WGA-hiaatverzekering (wage gap insurance), PLUS-verzekering (for agricultural/green sector), Inkomen Gezond (income health), WGA ERD, ZW ERD, and ongevallenverzekering (accident insurance). These are often bundled with absence insurance policies.
4. MKB Verzuim-ontzorgverzekering: Comprehensive absence insurance package specifically designed for SMB market, combining absence insurance with full occupational health services in one package with premium damping features.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Sazas is a Dutch verzuimspecialist (absence insurance specialist) that provides sickness absence insurance packages and occupational health services to Dutch employers, primarily in the SMB market. Its core offering combines wage continuation insurance covering employee illness costs with bundled Arbodienst (occupational health) services such as case management, reintegration support, and preventive medical examinations. The portfolio is structured around three main insurance packages (InEigenHand, HandenVrij Compleet, HandenVrij MKB verzuim-ontzorg) supplemented by employee income insurance products covering WGA, WIA and accident risks.

Product overview

Sazas offers a comprehensive suite of sickness absence insurance products and occupational health services for Dutch employers, with its core offering being the Sazas Verzuimverzekering (sickness absence insurance). The portfolio is structured into three main insurance packages: InEigenHand (flexible package with optional add-ons), HandenVrij Compleet (complete package with Arbopakket Compleet occupational health services), and HandenVrij MKB verzuim-ontzorg (SME-focused maximum-outsourcing package). Supporting these core packages are various employee income insurance products including PLUS-verzekering (agricultural/green sector), Inkomen Gezond verzekering (SME-focused), WGA-hiaatverzekering, WGA ERD-verzekering, WIA-excedentverzekering, ZW ERD-verzekering, and Ongevallenverzekering. The MijnSazas online portal enables employers to manage policies and sick leave reporting. Occupational health services include Arbopakket Compleet, Arbopakket verzuim-ontzorg, and various preventive services such as RI&E, interventions, and case management. The company also offers Poortwachtergarantie as a guarantee feature.

Differentiator

Problem solved

Functional benefit

Brands

• InEigenHand: Verzuimverzekeringspakket
• HandenVrij Compleet
• HandenVrij MKB verzuim-ontzorg
• PLUS-verzekering
• WGA-hiaatverzekering
• Inkomen Gezond verzekering
• AVAZ arbeidsongeschiktheidsverzekering
• WIA-excedentverzekering
• Sazas Ongevallenverzekering

Products and services

• Sazas Verzuimverzekering Core sickness absence insurance policy that covers employers against financial risks of employee illness, including wage continuation payments during illness periods up to 104 weeks. Targeted at Dutch employers in the SMB market.
• InEigenHand

Quantifiable outcome

• Average customer absence percentage is lower than the national average in the Netherlands
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• ArboNedminorStrategic or Co-development PartnerArboNed provides occupational health services as part of the MKB verzuim-ontzorgverzekering package. Additional terms for Arbo service provision are documented in supplementary terms for the MKB verzuim-ontzorgverzekering.
• ZekerArbominorStrategic or Co-development PartnerZekerArbo provides occupational health services integrated into MKB verzuim-ontzorgverzekering and verzuimmanagement services. Service delivery terms are documented separately for ZekerArbo integration.
• Stichting HartekindminorStrategic or Co-development PartnerSazas and Stichting Hartekind (Foundation Heart Child) developed a practical brochure for employers and parents of children born with congenital heart defects. The partnership addresses how heart conditions impact family life including work life, providing support and understanding for employers.
• MKB NederlandcoreStrategic or Co-development PartnerMKB Nederland (SME Netherlands) is part of the Productconvenant MKB verzuim-ontzorgverzekering governing body that sets standards and certification requirements for SME absence insurance products.
• VNO NCWcoreStrategic or Co-development PartnerVNO NCW (Confederation of Netherlands Industry and Employers) co-governs the Productconvenant MKB verzuim-ontzorgverzekering standards and certification framework for SME absence insurance.
• LTO NederlandcoreStrategic or Co-development PartnerLTO Nederland (Netherlands Agricultural and Horticultural Association) co-governs the Productconvenant MKB verzuim-ontzorgverzekering standards. Given Sazas origins in the agricultural sector, this partnership supports sector-specific product development.
• Verbond van VerzekeraarscoreStrategic or Co-development PartnerThe Association of Insurers (Verbond van Verzekeraars) co-governs the Productconvenant MKB verzuim-ontzorgverzekering and sets industry standards. Sazas adheres to the Gedragscode Verwerking Persoonsgegevens Verzekeraars (Insurance Sector Code for Data Processing).

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Movir: Movir is a Dutch insurer specializing in income protection, absence, and disability insurance for self-employed professionals and MKB employers. It is the closest direct peer to Sazas in terms of product focus, customer segment, and distribution through independent advisors in the Netherlands.
• De Goudse: De Goudse is a mid-sized Dutch insurance company offering group disability, absence, and life insurance products to MKB employers. It competes head-to-head with Sazas in employer-sponsored income protection, with a similar mid-market positioning and advisor-led distribution.
• Univé: Univé is a Dutch mutual insurance cooperative serving consumers, businesses, and the agricultural sector. Its overlap with Sazas is strongest in MKB and rural/agricultural customers, where it offers absence-related and income protection products via regional distribution.
• Meeùs: Meeùs is a Dutch insurance specialist focused on entrepreneurs, MKB, and self-employed professionals, offering income, disability, and absence coverage. Its customer base and product set directly overlap with Sazas's MKB verzuimverzekering and WGA/WIA gap products.
• VvAA: VvAA is a Dutch member-based organization providing insurance, financial, and practice-support services primarily to healthcare professionals and small practices. Like Sazas, it bundles insurance with advisory services for a defined professional segment, though its focus is healthcare rather than broad MKB.

Broad incumbents

• Interpolis: Interpolis, part of Achmea, is a large Dutch insurer with deep roots in the agricultural and rural SMB market. It overlaps with Sazas in the agrarian/green segment and MKB employer base, but offers a far broader multi-line portfolio including property, motor, and health.
• Nationale-Nederlanden: Nationale-Nederlanden is one of the largest Dutch life, health, and pension insurers, offering group disability and income protection products to MKB and corporate employers. It competes with Sazas in the employer-sponsored group health/income segment but at much greater scale.
• a.s.r. a.s.r. is a major Dutch insurance group providing life, non-life, disability, and income protection products to individuals and businesses. Its group disability and MKB proposition overlap with Sazas's employer-sponsored absence and income protection portfolio, though a.s.r. operates at significantly greater scale.
• Aon Netherlands: Aon Netherlands is a large insurance and risk-management broker advising MKB and corporate clients on employee benefits, group health, and absence solutions. It is a broad incumbent in the same employer-sponsored benefits space where Sazas sells directly.
• Allianz Netherlands: Allianz Netherlands is part of the global Allianz Group, offering life, health, disability, and general insurance to Dutch consumers and businesses. Its group disability and employer benefits offering competes indirectly with Sazas's MKB verzuimverzekering franchise.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Sazas