GHW
GHW Assurantiegroep B.V. is a privately held Dutch insurance advisory and brokerage firm based in Nijmegen that serves private individuals and SMBs with personalized insurance, mortgage, pension, and estate-settlement services across the Gelderland region.
- Company typePrivate
- Founded1928
- HeadquartersNijmegen, Netherlands
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What GHW does
GHW Assurantiegroep B.V. is a privately held Dutch insurance advisory and brokerage firm headquartered at Takenhofplein 3 in Nijmegen, Netherlands. The firm advises both private individuals (particulieren) and small and medium-sized enterprises (MKB) across a broad product set, including home, vehicle, health, travel, liability, life, legal-expense, and pension insurance, as well as mortgages, consumer credit, and estate-settlement services. Under the motto 'GHW verzekert persoonlijk', it operates an advisory-led model in which commissions from product placement are the principal revenue mechanism, supplemented by fee-based services such as the €350 ex-VAT Pensioen APK check-up. Distribution is hybrid: in-person advisory at the Nijmegen office or at customer premises, by phone, and via online self-serve flows for specific products including the GHW Studentenpakket.
The product portfolio is delivered through wholly owned sub-brands and partner integrations rather than proprietary technology infrastructure. Core sub-brands include Pensioendesk Nijmegen (specialist pension advisory, part of a national network of approximately 20 offices), the GHW Studentenpakket (a digital-first student insurance bundle from €3.85/month), and Verzekerd van Duurzaam (sustainable insurance offerings). Service-line partnerships include ARAG for legal-expense insurance, Allianz Global Assistance for travel and breakdown cover, Denkis for property and contents valuation calculators, UPIVA for independent health-insurance comparison, ArboNed for workplace RI&E services, and Stichting RegisterExecuteur for estate administration. Marketing reaches customers via the firm's 'Polis Praatje' podcast (Spotify, Google Podcasts, YouTube, polispraatje.nl), a content-rich website, email newsletter, and active profiles on Facebook, LinkedIn, Instagram, X, and YouTube.
Regulatory standing and brand trust are central to the operating model. GHW is registered with the Autoriteit Financiële Markten (AFM, number 12012177) and affiliated with the Klachteninstituut Financiële Dienstverlening (KiFiD, number 300.008240). The firm reports a 9.9/10 customer satisfaction rating on the Advieskeuze review platform. Ownership is private with no disclosed venture capital, private equity, or parent company; headcount is reported in the 11-50 range. Geographic exposure is concentrated in the Gelderland region of the Netherlands.
GHW firmographics
Firmographics- Name
- GHW
- Legal name
- GHW Assurantiegroep B.V.
- Website
- https://ghw.nl
- Company type
- Private
- Founded year
- 1928
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- GHW Assurantiegroep B.V. is a privately held Dutch insurance advisory and brokerage firm based in Nijmegen that serves private individuals and SMBs with personalized insurance, mortgage, pension, and estate-settlement services across the Gelderland region.
- Ownership category
- akta.pro rank
Where GHW is headquartered
LocationHeadquarters
- HQ city
- Nijmegen
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
GHW business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Advisory and Brokerage: GHW acts as an insurance advisor and intermediary (assurantieadviseur), earning commissions from insurance product providers for placing policies. The company advises both private individuals and businesses on insurance products including auto, health, travel, liability, life, property, legal aid, and pensions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | GHW Student Package - starting at €3.85/month |
| Subscription | One time | Pensioen APK - €350 excl. VAT |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
GHW product offering
Product offeringCore offering
GHW is a Dutch insurance advisory and brokerage firm (assurantieadviseur) that advises private individuals and businesses on personal and commercial insurance products, mortgages, and pensions, and earns commissions from insurance carriers for placing policies. The firm supplements advisory with fee-based services such as a Pension APK (€350) and a subscription-based Student Package (from €3.85/month), and operates specialized sub-brands including Pensioendesk Nijmegen (pensions) and RegisterExecuteur (estate settlement).
Product overview
GHW Assurantiegroep B.V. is a Dutch insurance advisory company based in Nijmegen, operating as a comprehensive insurance and financial services platform offering both personal (particulier) and business (zakelijk) advisory services. The core offering consists of personalized insurance advisory for home, vehicle, health, travel, liability, and life insurance, complemented by specialized sub-brands including the GHW Studentenpakket (student insurance package starting at €3.85/month), Pensioendesk Nijmegen (pension advisory), and RegisterExecuteur services (estate settlement). The company provides various digital tools including mortgage calculators, property valuation meters (herbouwwaardemeter), and household contents calculators (inboedelwaardemeter) integrated with Denkis. Business services extend to cyber insurance, business interruption insurance, and disability insurance (AOV). GHW also offers the Polis Praatje educational podcast series and maintains partnerships with providers including Allianz Global Assistance (breakdown assistance), ARAG (legal expenses), and UPIVA (health insurance comparison).
Differentiator
Problem solved
Functional benefit
Brands
- Pensioendesk Nijmegen: Specialized pension advisory services, part of GHW Assurantiegroep, affiliated with a national network of about 20 offices
- GHW Studentenpakket
- Verzekerd van Duurzaam
- Polis Praatje
Products and services
- Personal Insurance Advisory (Particulier) Personalized insurance advisory covering home, vehicle, health, travel, liability, and life insurance for Dutch private individuals across life phases.
- Business Insurance Advisory (Zakelijk) Business insurance advisory covering company assets, liability, premises, cyber, business interruption, employer liability, and employee benefits for Dutch SMEs and entrepreneurs.
- GHW Studentenpakket All-in-one insurance package for Dutch students aged 16-35 in full-time MBO/HBO/University education, combining inboedelverzekering, aansprakelijkheidsverzekering, and ongevallenverzekering from €3.85/month, with optional laptop insurance at €2.20/month.
- Pensioendesk Nijmegen Specialized pension advisory service for individuals and employee pension schemes, part of a national network of approximately 20 offices, with dedicated pension consultants.
- RegisterExecuteur Estate Settlement Service Estate administration service handled by a certified RegisterExecuteur, covering legal, administrative, financial, and fiscal matters after a death, with transparent digital dossier tracking and fixed-rate pricing.
- Pensioen APK (Pension Check-up) Fixed-fee pension audit/check-up service costing €350 excluding VAT, comprising a digital check-up, cost assessment, risk assessment, and initial recommendations, delivered by Pensioendesk Nijmegen.
- Hypotheek (Mortgage Advisory) Mortgage advisory services including maximum mortgage calculation, mortgage check, and mortgage transfer/switching guidance, supported by online tools.
- Geld Lenen (Personal Lending) Consumer credit services including personal loans for specific purposes, revolving credit, and loan consolidation/switching.
Companies that use GHW
Customer profileSegments2 records
Ideal customer profiles2 records
GHW technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
GHW partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered major, core and minor.
- LRSmajorLRS, a waste management company, acquired GHW in August 2025 to expand its presence in the Indianapolis market. GHW will continue operating under its existing brand during the transition, with its local team remaining in place. This is an acquisition of a US-based entity also named GHW, distinct from the Dutch GHW insurance company.
- Pensioendesk NijmegencorePensioendesk Nijmegen is a specialized pension advisory desk operating as part of GHW. It is connected to a national network of approximately 20 offices, maintaining knowledge at the highest level. Specialists include Bernd Huibers and Maurice Linssen.
- Stichting RegisterExecuteurcoreGHW houses a RegisterExecuteur (Registered Executor) in partnership with Stichting RegisterExecuteur. This provides estate administration services including legal, administrative, financial, and fiscal matters following a death. Services include a Digital Estate File and fixed-rate pricing.
- ArboNedminorGHW refers customers to ArboNed for Risk Inventory and Evaluation (RI&E) services, which are mandatory for Dutch employers to assess workplace safety and health risks.
- Allianz Global AssistanceminorGHW offers travel insurance and roadside assistance products through Allianz Global Assistance, including Pechhulp (roadside assistance) and reisverzekering products. GHW acts as an intermediary distributing Allianz products.
- ARAGminorGHW offers legal aid insurance (rechtsbijstandverzekering) products from ARAG, including ARAG ProRechtPolis, ARAG Rechtsbijstand Flexpolis, and ARAG ProRechtCombinatie. GHW acts as intermediary.
Scale indicators1 record
Recent moves6 records
Expansion highlights6 records
GHW competitors and assessment
Company assessmentBroad incumbents
- Univé: Univé is a Dutch cooperative insurer offering personal and business insurance with advisory support to members — provides overlapping coverage scope but operates nationally as a mutual carrier rather than an independent advisor.
- Rabobank Verzekeren: Rabobank distributes personal and business insurance products in the Netherlands through its banking network — overlapping with GHW's personal/business advisory segments but leveraging much larger customer reach.
- Aon Netherlands: Aon is a global insurance brokerage and advisory firm with substantial Netherlands operations serving personal, commercial, and corporate clients — overlaps with GHW's personal/business brokerage offering at much larger scale.
- Nationale-Nederlanden: Nationale-Nederlanden (NN Group) is one of the largest Dutch life and non-life insurance carriers, offering individual and group products directly — significant product-line overlap with GHW but at massive scale through direct channels.
- Centraal Beheer: Centraal Beheer (part of Achmea) is a major Dutch direct insurer and distributor covering personal and business insurance lines; overlapping product portfolio with GHW but operating at national scale through direct and partner distribution.
- Allianz Nederland: Allianz is a global insurer and one of GHW's principal carrier partners for travel and roadside assistance products; operates directly and through intermediaries in the Netherlands with overlapping product breadth.
- Marsh Netherlands: Marsh is a global insurance broker and risk advisor with dedicated Netherlands operations spanning commercial and corporate clients, providing a broader-enterprise parallel to GHW's SME advisory business.
Direct peers
- Meeùs: Meeùs is an independent insurance advisor/broker serving personal and business customers in the Netherlands and Belgium with multi-line product offerings including life, health, and property — directly comparable to GHW's full-service advisory model for individuals and SMEs.
- Van Bruggen Adviesgroep: Van Bruggen Adviesgroep is a Dutch independent insurance and financial advisory firm offering personal and business insurance, mortgages, and pensions through a comparable hybrid advisory-and-digital model across the Netherlands.
Others
- ARAG Nederland: ARAG is a specialist Dutch legal expenses insurance provider and one of GHW's key distribution partners for rechtsbijstandverzekering — a partial overlap where ARAG underwrites while GHW intermediates.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
GHW social profiles
Digital presenceGHW financial estimates
Financial estimateRevenue estimate
Valuation estimate
GHW leadership team
Management profileNumber of profiles
Profiles2 records
GHW subsidiaries and ownership
Company hierarchySubsidiaries3 records
GHW funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
GHW 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 GHW
What does GHW do?
GHW is a Dutch insurance advisory and brokerage firm (assurantieadviseur) that advises private individuals and businesses on personal and commercial insurance products, mortgages, and pensions, and earns commissions from insurance carriers for placing policies. The firm supplements advisory with fee-based services such as a Pension APK (€350) and a subscription-based Student Package (from €3.85/month), and operates specialized sub-brands including Pensioendesk Nijmegen (pensions) and RegisterExecuteur (estate settlement).
Is GHW a public or private company?
GHW is a private company. It is classified as unknown and is currently operating.
When was GHW founded?
GHW was founded in 1928. It employs 11 to 50 people.
Where is GHW based?
GHW is headquartered in Nijmegen, Netherlands, in the Europe region.
How does GHW make money?
One revenue line is on record: insurance Advisory and Brokerage.
Who are GHW's main competitors?
Broad incumbents on record are Univé, Rabobank Verzekeren, Aon Netherlands, Nationale-Nederlanden, Centraal Beheer, Allianz Nederland and Marsh Netherlands. Direct peers are Meeùs and Van Bruggen Adviesgroep. ARAG Nederland is listed as an others.
Does GHW have an API?
No public API is recorded for GHW.