APC Holland

What APC Holland does

APC Holland is a Dutch insurance volmachtbedrijf (authorized underwriting agent) operating under the legal entity Heparo B.V. and AFM registration 12041177, founded in 2012 and headquartered in Scheveningen, Den Haag. The company designs and distributes a tightly scoped portfolio of niche schade- and inkomensverzekeringen — Horecapakket (HoP) for hospitality, Totaalpakket voor Ondernemers (TVO) for SMBs, Totaalpakket voor Recreatiewoningen (TVR) for recreational homes, Particulier Onroerend Goed (POG) for private buy-to-let, Verhuurd Onroerend Goed (VOG) for commercial landlords, Verzuim Totaal Op Maat (VTOM) for employer absence cover, and a standalone Milieuschadeverzekering (MSV). Products are built around an adviser-facing extranet (mijn.apcholland.nl, increasingly unified with mijn.yinco.nl) with SSO via Microsoft Entra External ID, integrations to Infofolio for automatic rebuild-value calculation and a 30% under-insurance guarantee, Troostwijk for quarterly indexation of insured sums, VDDapp for VTOM policy management, JotForm for onboarding, and a dedicated online application street (Horeca-aanvraagstraat) that returns a premie-indicatie and an offer within two days.

The company employs roughly 45-50 people and distributes exclusively through 300+ AFM-registered independent insurance advisers with whom it holds samenwerkingsovereenkomsten, generating white-label and co-branded policies under the adviser's own logo. Revenue is generated through three streams: (i) underwriting premiums collected as gevolmachtigde of domestic and foreign risk carriers via Heparo B.V.'s volmachtovereenkomsten, (ii) recurring provisie/commissie (and optional fee or hybrid) compensation from connected advisers on the in-force book, and (iii) exceptional intermediation fees routed through the affiliated agency Ropa B.V. (trading as apc holland assurantiën). The portfolio is supported by an ecosystem of service partners including Sedgwick (claims), BELFOR (restoration), Glaspunt (glass), PersonPlus (verzuim intake), AREPA Inspexx (electrical inspections), VETgroep (grease systems) and valuation partners Troostwijk, IWD, RiskView, CED and Lengkeek.

On 9 September 2024 APC Holland was acquired by Yinco, itself formed end-2023 from the merger of DIN Assuradeuren and Driessen Assuradeuren under the Yellow Hive holding, gaining group-level procurement, MGA and product co-development capability while retaining its Scheveningen office, leadership under CEO Paul Röthengatter, and its independent-adviser GTM motion. The product cadence post-acquisition has been aggressive: Horecapakket and renewed VTOM launched at AMdag 2024 (November), the Horeca-aanvraagstraat went live in April 2025, and the co-developed Yinco TVR was launched in June 2025, indicating a clear shift from a single-entity Dutch volmacht to a multi-entity specialty platform within the Yinco group.

Name

APC Holland

Legal name

Heparo B.V.

Website

https://apcholland.nl

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

APC Holland is a Dutch insurance volmachtbedrijf (Heparo B.V., AFM 12041177) that designs niche business and property insurance packages and distributes them exclusively through 300+ independent advisers via a custom extranet, and has been part of Yinco (Yellow Hive) since September 2024.

Ownership category

akta.pro rank

Product category

Insurance Underwriting (Volmachtbedrijf)

NAICS

Insurance Carriers and Related Activities (524), Other Insurance Funds (525190)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Management Liability (D&O/EPL/Fiduciary) (FSAJAGAD)

Keywords

• Insurance underwriting agency
• Volmachtbedrijf services
• Commercial property insurance
• Hospitality insurance packages
• Income protection insurance

Headquarters

HQ city

Den Haag

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Volmacht (underwriting) premiums through Heparo B.V. Core revenue: insurance premiums collected as a gevolmachtigde (underwriting agent) of domestic and foreign risk carriers. Heparo B.V. has multiple volmachtovereenkomsten (powers of attorney) that grant acceptance, administration and claims handling authority; premium is split per reinsurance/coinsurance treaties with carriers.
2. Intermediary (provisie/commissie) compensation: Connected independent intermediaries are compensated on a commission (provisie) basis; APC Holland also offers fee or hybrid compensation models. Compensation is recurring on the in-force premium book.
3. Intermediair-services revenue via Ropa B.V. (apc holland assurantiën): Linked entity Ropa B.V. (apc holland assurantiën) can in exceptional cases act as intermediary between APC Holland's volmachtbedrijf and the insured, generating brokerage/intermediation fees on those placements.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels8 records

Core offering

APC Holland operates as a Dutch volmachtbedrijf (authorized underwriting agent) under Heparo B.V., designing, underwriting and distributing custom-made schade- and inkomensverzekeringen (non-life and income-protection insurance) for Dutch SMEs, hospitality operators, private and commercial property investors, and employers. Products are sold exclusively through a network of 300+ AFM-registered independent intermediaries who generate quotes via the mijn.apcholland.nl extranet under their own logo, and the company acts as accepting, administering and claims-handling party on behalf of domestic and foreign risk carriers.

Product overview

APC Holland is a Dutch insurance volmachtbedrijf (Heparo B.V., AFM-registered under 12041177) that builds and distributes niche and custom-made business insurance products through independent intermediaries, supported by a digital advisor-facing extranet platform. Its offering is organised as a platform-plus-modules architecture: a core set of sectoral package products (Horecapakket/HoP, Totaalpakket voor Ondernemers/TVO, Totaalpakket voor Recreatiewoningen/TVR, Particulier Onroerend Goed/POG, Verhuurd Onroerend Goed/VOG and Verzuim Totaal Op Maat/VTOM) plus a standalone Milieuschadeverzekering (MSV), each of which composes shared sub-modules such as Gebouw, Inhoud, Bedrijfsschade, Computeruitval, AOG, AVB, Aanvullende dekkingen and WEGAS. Since 9 September 2024 apc holland has operated as part of Yinco (Yellow Hive), and advisor flows for TVR and VTOM are now also served from the mijn.yinco.nl extranet.

Differentiator

Problem solved

Functional benefit

Brands

• HorecaPakket (HoP): HorecaPakket (HoP) - dedicated insurance package for the hospitality (horeca) sector, including building, contents, business interruption, liability, terrace furniture and e-bike delivery coverage.
• Totaalpakket voor Ondernemers (TVO)
• Totaalpakket voor Recreatiewoningen (TVR)
• Particulier Onroerend Goed pakket (POG)
• Verhuurd Onroerend Goed pakket (VOG)
• Verzuim Totaal Op Maat pakket (VTOM)
• Milieuschadeverzekering (MSV)

Products and services

• Horecapakket (HoP) Integrated insurance package for horeca (hospitality) businesses and building owners renting to horeca tenants, bundling building, contents, business interruption and liability cover with optional terrace furniture, e-bike delivery liability, glass, extra rent loss and environmental damage covers.
• Totaalpakket voor Ondernemers (TVO) Comprehensive modular package for SME entrepreneurs combining contents, business interruption, liability, additional covers and optional employer motor vehicle liability (WEGAS); flexible to compose per client with own-logo quotations.
• Totaalpakket voor Recreatiewoningen (TVR) Joint Yinco Specialties product covering Dutch recreational homes and contents against fire, burglary, storm and vandalism, with optional solar panel, liability and rent loss cover, automatic rebuild value via Infofolio and standard inclusion of glass and seasonal storage.
• Particulier Onroerend Goed pakket (POG) Insurance package for private buy-to-let investors covering rented homes, holiday lets and kamerverhuur; combines building/owner interest with optional rent loss, glass, AOG and milieuschade covers and uses Infofolio for automatic rebuild value calculation with under-insurance guarantee up to 30%.
• Verhuurd Onroerend Goed pakket (VOG) Modular package for commercial building owners, covering building, tenant interest or owner interest, with optional extra rent loss, glass, liability and environmental damage covers; flexible per situation.
• Verzuim Totaal Op Maat pakket (VTOM) Customisable absence/verzuim insurance for employers, with options to include or exclude employees earning under €10,000, optional DGA cover up to €60,000, WIA/WGA-hiaat and collective accident add-ons, and a free choice of Arbodienst from selected partners.
• Milieuschadeverzekering (MSV) Standalone environmental damage insurance covering sanitation, asbestos removal, environmental damage on own and third-party sites and property damage from solar panel particle dispersion (standard up to 40 panels). Standard insured amount €500,000 per claim and double per year.
• Extranet / self-service portal (mijn.apcholland.nl / mijn.yinco.nl) Digital advisor-facing platform used by 300+ intermediaries to apply for, manage and download offers for the full APC Holland portfolio (Horecapakket, TVO, TVR, POG, VOG, VTOM, MSV), with SSO via Microsoft Entra External ID and JotForm-based onboarding.

Quantifiable outcome

• Quote turnaround within 2 days via the Horecapakket aanvraagstraat
• +5 more outcomes

Segments7 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature6 records

Partnerships

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

• Driessen Assuradeuren (Yinco Specialties)coreStrategic or Co-development Partner · 3 June 2025Co-developer of the Yinco Totaalpakket Voor Recreatiewoningen (TVR) launched 3 June 2025. Combined Yinco Specialties expertise used to support advisers on recreational home risks; uses Infofolio for automatic rebuild value calculation.
• Yinco / Yellow HiveflagshipStrategic or Co-development Partner · 9 September 2024Yinco (part of Yellow Hive) acquired apc holland effective 9 September 2024. apc holland remains the same in substance, retaining its Scheveningen office, staff and CEO Paul Röthengatter, while gaining access to Yinco's broader procurement power, MGA, volmacht and service-providing capabilities. Yinco was formed at end-2023 from the merger of DIN Assuradeuren and Driessen Assuradeuren, both Yellow Hive subsidiaries.
• SedgwickcoreImplementation/ SI/ Consulting PartnerHandles end-to-end claims administration for volmacht policies: from first notification to claim payment. Reachable 24/7 via [email protected] and 070-200 12 40. Cases requiring schadebehandelaar expertise (e.g. Fokko Bos, Marc Haffert) are routed through Sedgwick.
• BELFORcoreImplementation/ SI/ Consulting PartnerCalamity restoration partner for fire, water and storm damage; on-site within three hours anywhere in the Netherlands (0900-4321-4321). Long-standing partner; also supports vet-luchtkanaal reiniging services.
• GlaspuntcoreImplementation/ SI/ Consulting PartnerGlass-damage service partner (088-452 77 07); guarantees a glazier on site within 30 minutes and handles invoicing so insured does not pay out of pocket for repairs.
• PersonPluscoreImplementation/ SI/ Consulting PartnerCentral contact point for verzuim cases: links werkgever, werknemer, Arbodienst and insurer; handles ziekmelding on the first sick day. Reachable 9:00–17:00 daily including weekends (0113-405 680, [email protected]).
• IWDcoreImplementation/ SI/ Consulting PartnerPreferred partner for taxations (gebouw, inventaris) and on-location risk inspections (risico-inventarisatie); supports prevention services offered free to insured parties.
• Troostwijk (Groep)coreImplementation/ SI/ Consulting PartnerSource of the quarterly indexcijfers applied to building, contents and tenant's interest sums at each prolongatie; also performs verzekeringstaxaties. 90-year market leader in valuations and damage assessments.
• RiskViewminorImplementation/ SI/ Consulting PartnerSpecialist in verzekeringstaxaties for businesses, individuals, volmachtbedrijven and intermediaries; provides fixed-fee taxations by VRT-certified taxateurs.
• CEDminorImplementation/ SI/ Consulting PartnerProperty taxations and inspections partner serving insurers, real-estate managers, corporates and governments.
• LengkeekminorImplementation/ SI/ Consulting PartnerSpecialist in schade-expertise, taxations, value determinations, risk inspections and structural surveys.
• AREPA InspexxcoreImplementation/ SI/ Consulting PartnerExclusive partner for SCIOS Scope 10 / NTA 8220 electrical fire-risk inspections; the only certified method accepted under APC Holland's electrical-safety prevention programme.
• VETgroep (formerly VETkanaal)coreImplementation/ SI/ Consulting PartnerPartner for cleaning and inspection of horeca grease extraction systems; offers RZ-CLEAN-SEAL fire-resistant coating. Performs free pre-inspections for apc holland insured parties.
• BDC GroupminorImplementation/ SI/ Consulting PartnerPartner supporting insured parties in scheduling and realising required grease-channel maintenance, including inspections for apc holland customers.
• Teamtailor (careers site / applicant tracking system)coreTechnology or IntegrationUnderpins werkenbij.apcholland.nl and the Connect candidate portal; handles job listings (Acceptant Zakelijke Verzekeringen, Administratief Medewerker Verzekeringen), cookie management, LinkedIn SSO and analytics (_tt_session, _ttAnalytics).
• LapostacoreTechnology or IntegrationEmail service provider powering the apc nieuwsbrief sign-up form on apcholland.nl.
• InfofoliocoreTechnology or IntegrationPowers automatic herbouwwaarde calculation in the POG and TVR products, generating the up to 30% guarantee against underinsurance for residential and recreational investment properties.
• Voetbalbond Kifid (Klachteninstituut Financiële Dienstverlening)minorOthersExternal dispute resolution body for unresolved complaints after the internal klacht trajectory (Postbus 93257, 2509 AG Den Haag).

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• MeesRisicobeheer: Dutch MGA / volmachtbedrijf offering non-life insurance products distributed through independent advisers, with a focus on SME and niche risks. Directly comparable business model and customer base to APC Holland.
• Nedasco: Larger Dutch service provider and volmachtbedrijf offering intermediary enablement, back-office and product distribution for independent advisers. Comparable as a Dutch MGA serving advisers with a similar channel-partner GTM.
• Voogd & Voogd: Large Dutch insurance intermediary group with its own volmachtbedrijf and adviser-support services. Comparable channel model and product breadth, though significantly larger scale.
• Turien & Co: Dutch MGA and intermediary service group supporting independent advisers with volmacht products and back-office tooling. Operates a structurally similar volmacht-plus-adviser model to APC Holland.
• AnsvarIdéle: Small Dutch niche insurer with a strong intermediary distribution focus on SME and affinity segments. Comparable in size, niche focus and channel strategy to APC Holland.
• Driessen Assuradeuren: Dutch volmachtbedrijf / MGA co-developer of the Yinco TVR with APC Holland; same intermediary distribution model and similar niche-SME focus, now part of the same Yinco (Yellow Hive) group.
• DIN Assuradeuren: Dutch volmachtbedrijf / MGA serving SME and consumer lines via independent advisers; merged with Driessen Assuradeuren into Yinco in late 2023 and is now a sister company of APC Holland inside Yellow Hive. Most direct comparable on business model and distribution.

Broad incumbents

• Aon Netherlands: Global insurance and risk broker with a significant Dutch presence, operating a hybrid broker/MGA model that touches similar SME and corporate risks. Comparable in customer type but far broader and not volmacht-specialised.
• De Goudse: Established Dutch insurer with a strong adviser channel and broad SME product range including absence (verzuim) covers that compete with APC Holland's VTOM. Comparable channel strategy but materially larger and broader portfolio.

Emerging players

• De Vereende: Dutch niche insurer focused on atypical and hard-to-place risks, often working with advisers on difficult-to-cover cases. Adjacent in niche Dutch underwriting but serves harder-to-place risks rather than mainstream SME.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/apc-holland

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries1 record

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 APC Holland