What Schouten Zekerheid does

Schouten Zekerheid is an independent insurance broker (makelaar) founded in 1953 and headquartered in Rotterdam, Netherlands, operating as a privately held family business. The firm mediates between insurance providers and clients, comparing the entire Dutch insurance market to place coverage on behalf of companies, institutions, trade associations, and private individuals. It is ranked among the top 10 independent insurance brokers in the Netherlands and serves both a primary B2B segment (SMEs through large enterprises across construction, hospitality, mobility, retail, real estate, and hair & beauty) and a B2C personal insurance segment, with a smaller international segment covering Dutch companies with foreign operations and foreign companies with Dutch operations.

The product portfolio spans business risk management (liability, logistics, business continuity, employee risk, cybersecurity, mobility, and financial/credit risk), employee benefits (WIA income insurance, the Verzuimconcept absence management suite including Verzuimregisseur, Verzuimconsultant, the 2025-launched InRegie learning module, and HR Risicoanalyse; pension advisory via the Pensioenvergelijker; collective healthcare with Zorgdesk support), personal lines (home, auto, travel, legal aid, contents), and international coverage delivered through four partner networks (Asinta, Euribron, GBN Worldwide, Assurex Global). Underlying technology consists of digital self-service and advisory platforms rather than core underwriting systems: the Mijn Schouten Zekerheid client portal, Xpert Suite absence management dashboard, Cybersecurity Assessment Tool, and online comparison tools for healthcare and pensions.

The revenue model combines recurring insurance brokerage commissions from carriers with fee-based advisory and consulting services. Pricing is quote-based and not publicly disclosed, with up to a 10% package discount for bundling multiple policies and a stated 24-hour proposal turnaround. GTM is sales-led through assigned advisors per client, supplemented by digital portals for SMB and consumer self-service, and by international partner networks for cross-border placement. Vertically embedded distribution is reinforced through long-running industry association partnerships (KHN for hospitality, ANKO for hair & beauty). The company holds ISO 27001:2022 certification for information security.

Name

Schouten Zekerheid

Legal name

Schouten Zekerheid

Website

https://schoutenzekerheid.nl

Company type

Private

Founded year

1953

Operating status

Operating

Headcount range

101–250 employees

Short description

Schouten Zekerheid is a family-owned independent insurance broker founded in 1953 in Rotterdam, Netherlands, placing business risk, employee benefits, and personal insurance coverage for Dutch SMEs, enterprises, and individuals, with cross-border reach via four international partner networks.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

akta.pro secondary industries

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ), Trade Credit Insurance Brokerage (FSAEADAL)

Keywords

• Commercial insurance brokerage
• Risk management advisory
• Employee benefits consulting
• Personal insurance products
• Absence management services

Headquarters

HQ city

Capelle Aan Den Ijssel

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

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance broker, Schouten Zekerheid earns commissions from insurance providers for placing policies. They compare the entire market to find the best coverage for clients.
2. Advisory and Consulting Services: Fee-based advisory services for risk management, employee benefits, cybersecurity assessments, and international insurance solutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Schouten Zekerheid mediates as an independent insurance broker, placing business and personal insurance policies by comparing the entire insurance market on behalf of clients. It bundles brokerage with risk management advisory, employee benefits consulting (income protection, absence management, pensions, collective healthcare), cybersecurity assessment, and international insurance coordination through partner networks.

Product overview

Schouten Zekerheid is an independent insurance broker offering a comprehensive portfolio of risk management and employee benefits solutions for businesses and individuals. The core offerings include business risk management services (liability, logistics, business continuity, employees, cybersecurity, mobility, and financial risks) and employee benefits (WIA income insurance, absence management platform called Verzuimconcept with sub-modules including Verzuimregisseur, Verzuimconsultant, InRegie, and HR Risicoanalyse, pension services via Pensioenvergelijker, and collective health insurance). The company also serves international clients through global networks (Asinta, Euribron, GBN Worldwide, Assurex Global). For individuals, they offer personal insurance products including home, vehicle, travel, and liability coverage. Key digital platforms include Xpert Suite for personnel insurance management and Mijn Schouten Zekerheid customer portal. The company has been operating since 1953 as a family business.

Differentiator

Problem solved

Functional benefit

Products and services

• Aansprakelijkheidsverzekering (Liability Insurance) Coverage for legal liability claims from third parties, including business liability, professional liability (beroepsaansprakelijkheid), and directors' liability, for Dutch companies and institutions.
• Logistiek Risicomanagement (Logistics Risk Management) Risk management solutions for the transport and logistics sector, covering liability, sustainable employability, and absence prevention for logistics operators.
• Bedrijfscontinuïteit (Business Continuity) Solutions to ensure business continuity, including risk profile development and continuity planning, targeted at Dutch businesses needing resilience against operational disruptions.
• Medewerkers Risicomanagement (Employee Risk Management) Risk management for personnel including absence prevention, compliance with legal obligations, and appropriate insurance coverage for the workforce.
• Cybersecurity / Digitale Veiligheid Cyber risk assessment and protection services covering phishing, DDoS, ransomware, malware, and hacking threats, for Dutch organizations seeking cyber resilience.
• Mobiliteit & Transport (Mobility & Transport) Risk management for moving business assets including goods, personnel, and vehicle fleets, covering damage, loss, and accident risks.
• Financieel Risicomanagement (Financial Risk Management) Credit insurance and debtor management solutions including creditworthiness checks, collection services, and coverage for bad debt, for Dutch businesses managing counterparty risk.
• WIA-verzekeringen (Income Insurance) Collective WIA insurance providing income supplementation for employees, offering optimal funding and lower premiums for Dutch employers.
• Verzuimconcept (Absence Management Concept) Total absence reduction solution combining insurance with active guidance, insight, and prevention for Dutch employers, integrating the Verzuimregisseur, Verzuimconsultant, InRegie, and HR Risicoanalyse modules.
• Xpert Suite Dashboard platform for managing personnel insurance policies, providing data-driven insight and advice on absence management for Dutch employers.
• Pensioenvergelijker (Pension Comparator) Tool and advisory service helping employees make better pension choices by comparing and selecting appropriate pension benefits within employer-sponsored pension arrangements.
• Collectieve Zorgverzekering (Collective Health Insurance) Group health insurance providing faster access to care, extra reimbursements, preventive care, and lower premiums with comprehensive support for Dutch employers and their employees.
• Cybersecurity Assessment Assessment service providing insight into organizational security posture, risk mapping, and a concrete action plan to improve cybersecurity for Dutch organizations.
• International Insurance Services (Internationaal) International insurance solutions delivered through networks (Asinta, Euribron, GBN Worldwide, Assurex Global) for foreign companies with Dutch operations and Dutch companies with foreign operations.
• Particuliere Verzekeringen (Personal Insurance) Personal insurance portfolio brokering home, vehicle, travel, and liability coverage for Dutch private individuals and families, with package discounts up to 10%.
• Inboedelverzekering (Contents Insurance) Coverage for household contents against damage and theft, for Dutch private individuals.
• Woonhuisverzekering (Home Insurance) Coverage for damage to the home from fire, storm, and other external events, for Dutch homeowners.
• Autoverzekering (Car Insurance) Vehicle insurance covering damage, theft, and accidents with customizable coverage options for Dutch private motorists.
• Reisverzekering (Travel Insurance) Worldwide travel insurance for Dutch private individuals and families seeking worry-free vacation coverage.
• Rechtsbijstandverzekering (Legal Aid Insurance) Legal assistance for conflicts, legal questions, or disputes without worry about costs, for Dutch private individuals.

Quantifiable outcome

• Up to 10% package discount for multiple insurance policies
• +2 more outcomes

Named customers6 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

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• AsintacoreChannel Partner/ Reseller/ DistributorAsinta is a global partnership of employee benefits companies connecting approximately 3,600 member firms across 90+ countries. Schouten Zekerheid serves as the Dutch partner, enabling harmonization of employee benefit programs internationally and providing local expertise for clients with operations abroad.
• EuribroncoreChannel Partner/ Reseller/ DistributorEuribron is an international network of independent insurance professionals sharing common values of local service combined with seamless international capacity. Members include professionals with expertise in diverse insurance specializations across sectors like financial services, retail, manufacturing, and healthcare.
• GBN WorldwidecoreChannel Partner/ Reseller/ DistributorGBN Worldwide connects 120 independent members from more than 140 countries to facilitate communication between insurers and brokers across borders. Schouten Zekerheid uses this network to extend domestic services abroad and serve foreign GBN clients with Dutch risk exposures.
• Assurex GlobalcoreChannel Partner/ Reseller/ DistributorAssurex Global is an exclusive partnership of the world's most prominent independent insurance intermediaries since 1954, with partners in over 100 countries. The network maintains high quality standards through strict membership selection, aligned with Schouten Zekerheid's commitment to providing the highest quality service.
• BeequipminorStrategic or Co-development PartnerBeequip is a lease specialist for heavy equipment. Schouten Zekerheid partnered with Beequip to offer MKB Netherlands improved service by enabling businesses leasing heavy equipment to obtain appropriate insurance coverage for potential damage through this combined offering.
• KHN (Koninklijke Horeca Nederland)coreChannel Partner/ Reseller/ DistributorKHN is the leading hospitality industry organization in the Netherlands. Schouten Zekerheid serves as KHN Verzekeringen, providing specialized insurance solutions for hospitality businesses. The partnership celebrates 10 years in 2025.
• ANKOminorChannel Partner/ Reseller/ DistributorANKO is the branch organization for hair and beauty professionals. Schouten Zekerheid provides insurance services and tips to ANKO members for managing absence and protecting against theft.
• Den Hartog RacingminorGTM or Marketing PartnerSchouten Zekerheid sponsors young karting talent Sven Jansen through Den Hartog Racing for two years to support his career development.

Scale indicators3 records

Recent moves3 records

Expansion highlights5 records

Direct peers

• MeesRisicobeheer: MeesRisicobeheer is a Dutch independent insurance and risk broker focused on mid-market and corporate clients. Comparable to Schouten Zekerheid in independent advisory positioning and risk management offerings.
• Aon Netherlands: Aon's Dutch operation is a global insurance and risk broker serving large corporates and mid-market clients in the Netherlands. Directly comparable to Schouten Zekerheid in offering P&C, employee benefits, and risk advisory, but with significantly larger scale and international reach.
• Voogd & Voogd: Voogd & Voogd is one of the largest independent insurance brokers in the Netherlands, serving both business and consumer clients. Closely comparable to Schouten Zekerheid in independent brokerage model, scale, and Dutch mid-market focus.
• Klap Verzekeringsmakelaar: Klap is a Dutch independent insurance broker providing risk management and employee benefits to corporate clients. Direct comparable in the Dutch independent brokerage segment with overlapping product portfolio and mid-market customer base.
• Willis Towers Watson Netherlands: WTW operates a Dutch insurance brokerage and advisory business covering risk, benefits, and capital. Direct competitor in the Dutch mid-market for risk and employee benefits brokerage, overlapping with Schouten Zekerheid's core offerings.
• Polder Verzekeringen: Polder Verzekeringen is a Dutch independent insurance broker offering business and personal insurance. Direct peer in the Dutch independent brokerage market, competing for similar SME and consumer segments.
• Marsh Netherlands: Marsh's Dutch arm provides insurance brokerage, risk management, and employee benefits services to Dutch corporates. Competes head-to-head with Schouten Zekerheid for mid-market and enterprise mandates, with broader specialty lines and global network.

Broad incumbents

• a.s.r. Nederland: a.s.r. is one of the largest Dutch insurance groups with broad P&C, life, and health offerings. Significant indirect competitor to Schouten Zekerheid in the Dutch non-life and benefits market via its own distribution channels.
• Nationale-Nederlanden: NN is a major Dutch insurance and asset management group offering life, pension, and non-life products. Adjacent competitor that also distributes group and individual insurance, but as a carrier with direct sales rather than independent brokerage.

Regional players

• Vanbreda Risk & Benefits: Vanbreda is a leading independent Belgian insurance broker and risk advisor with strong corporate and international employee benefits expertise. Comparable in independent-broker model and risk/benefits focus, but primarily serving Belgian and cross-border Benelux clients.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/schoutenzekerheid
• Instagraminstagram.com/schoutenzekerheid
• Xx.com/SchoutenZeker

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Schouten Zekerheid