Klaverblad Insurance

What Klaverblad Insurance does

Klaverblad Verzekeringen is a Dutch insurance company founded in 1850 and headquartered in Zoetermeer, Netherlands, serving private individuals, small and medium-sized enterprises (MKB), and agricultural businesses in the Netherlands. The company offers a broad portfolio of personal lines (home, contents, auto, scooter, motorcycle, bicycle, travel, legal expenses, family accident, and life insurance), a disability (AOV) lineup comprising three variants (Royaal Plus, Royaal Premium, and AOV Flex) targeted at self-employed and SME owners, and business lines covering liability, buildings, business interruption, electronics, work equipment, and environmental damage. Agricultural coverages span farm buildings, livestock, tractors, machinery, and environmental liability.

The technology stack consists of three named digital properties: the Mijn Klaverblad customer self-service portal for policy management and claims reporting, the Klik partner portal launched in January 2026 to streamline advisor workflows, and the eXperience claims environment used for high-volume cases such as hail damage. Underwriting, pricing, and product distribution are operated through independent insurance advisors supported by regional account managers and a Klikdesk support function.

The revenue model is recurring insurance premiums collected across the personal, MKB, and agricultural books, with package-based bundling driving cross-sell among policyholders. FY2025 gross premium volume reached €271M (+7% year-over-year) with a net result of €36M versus an €8M loss in 2024, a 97% combined ratio on the damage book, and a 261% solvency ratio at the holding entity. Since April 2026 the company has sold exclusively through distribution partners, having discontinued direct website sales, and is transferring its direct customer damage portfolio to an external party.

Name

Klaverblad Insurance

Legal name

Klaverblad Verzekeringen

Website

https://klaverblad.nl

Company type

Private

Founded year

1850

Operating status

Operating

Headcount range

251–500 employees

Short description

Klaverblad Insurance is a Dutch mutual-style insurer founded in 1850 offering personal, SME, and agricultural insurance products distributed exclusively through independent advisors across the Netherlands.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Disability Buy-Sell / Business Continuation Insurance (FSAIAIAL)

akta.pro secondary industries

Whole Life Insurance (FSAIABAA), Product Liability & Recall (FSAJAGAG)

Keywords

• Personal insurance products
• Business insurance packages
• Disability insurance coverage
• Agricultural insurance solutions
• Insurance advisory services

Headquarters

HQ city

Zoetermeer

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Klaverblad earns revenue through insurance premiums collected from policyholders across multiple insurance product lines including home, auto, travel, disability, and business insurance.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Klaverblad Verzekeringen underwrites and distributes a comprehensive portfolio of non-life and life insurance products for Dutch private individuals, SMEs (MKB), and agricultural businesses, including home, contents, motor, travel, disability (AOV), liability, legal expenses, family accident, and life cover. Since April 2026, all products are sold exclusively through a nationwide network of independent insurance advisors, supported by the Mijn Klaverblad customer portal, the Klik partner portal, and the eXperience claims environment.

Product overview

Klaverblad Insurance is a Dutch insurance company offering a comprehensive portfolio of personal, business, and agricultural insurance products. The company operates through insurance intermediaries (advisors) and offers an online self-service portal (Mijn Klaverblad) alongside a new Klik portal for enhanced customer experience. Personal insurance products include home (Woonhuisverzekering), contents (Inboedelverzekering), car, scooter, motorcycle, and bicycle coverage, liability, legal expenses, family accidents, and annual travel insurance. Their disability insurance (AOV) lineup features three variants: Royaal Plus AOV, Royaal Premium AOV, and Klaverblad AOV Flex, designed for self-employed and SME owners. Business insurance (MKB) offerings include packages and individual coverages for liability, buildings, business interruption, electronics, and work equipment. Agricultural insurance covers farms, tractors, and related equipment. The company announced a strategic shift in April 2026 to exclusive distribution through intermediary partners, discontinuing direct sales.

Differentiator

Problem solved

Functional benefit

Products and services

• Woonhuisverzekering (Home Insurance) Home insurance for private individuals covering damage to residential buildings from leaks, fire, storm, and other perils. Sold through independent insurance advisors.
• Inboedelverzekering (Contents Insurance) Contents insurance for private individuals covering household belongings against damage, theft, and other risks.
• Aansprakelijkheidsverzekering (Personal Liability Insurance) Personal liability insurance protecting policyholders against third-party claims for damages or injuries caused.
• Rechtsbijstandverzekering (Legal Expenses Insurance) Legal expenses insurance providing coverage for legal costs and assistance in disputes for private individuals.
• Gezinsongevallenverzekering (Family Accident Insurance) Family accident insurance providing lump-sum payments for permanent disability or death resulting from accidents involving family members.
• Autoverzekering (Car Insurance) Car insurance for private individuals offered in WA (liability), WA+ beperkt casco, and WA+ volledig casco (all-risk) variants, with no-claim discount options.
• Brommerverzekering (Scooter/Moped Insurance) Scooter and moped insurance for private individuals with claim-free-year benefits and no additional policy or administration costs.
• Motorverzekering (Motorcycle Insurance) Motorcycle insurance with a standard low deductible of €100 and freedom to choose a repair garage.
• Fietsverzekering (Bicycle Insurance) Bicycle insurance covering theft and damage to bicycles.
• Invalidenvoertuigverzekering (Mobility Vehicle Insurance) Insurance for mobility scooters and invalid vehicles used by private individuals.
• Doorlopende Reisverzekering (Annual Travel Insurance) Annual travel insurance for private individuals with 24/7 emergency assistance, Europe or worldwide coverage, and optional winter sports coverage.
• Levensverzekeringen (Life and Funeral Insurance) Life insurance and funeral insurance (uitvaartverzekering) products for private individuals.
• Royaal Plus AOV (Disability Insurance) Disability insurance (AOV) for self-employed and SME owners with customizable coverage, own profession as starting point, no correction clause, and optional end ages of 58, 60, 62, 65, 67, or 68.
• Royaal Premium AOV (Premium Disability Insurance) Comprehensive disability insurance providing up to 90% income coverage, extensive customization, and flexible end ages including AOW age.
• Klaverblad AOV Flex (Flexible Disability Insurance) Flexible disability insurance with a selectable maximum benefit period of 1, 2, 3, 4, or 5 years, and end age determined by occupation.
• Verzekeringspakket voor particulieren (Personal Insurance Package) Combined insurance package bundling multiple personal insurance products with package discount benefits, sold through insurance advisors.
• MKB-verzekeringen (SME Insurance Package) Small and medium business insurance package for Dutch entrepreneurs, covering business inventory, buildings, money, vehicles, and liability under one policy.
• Bedrijfsaansprakelijkheidsverzekering MKB (SME Business Liability Insurance) Business liability insurance for SMEs and self-employed professionals (ZZP) covering third-party claims arising from business activities.
• MKB Rechtsbijstandverzekering (SME Legal Expenses Insurance) Legal expenses insurance tailored for small and medium businesses, covering legal costs in business disputes.
• MKB Gebouwenverzekering (SME Building Insurance) Building insurance covering commercial properties owned or used by small and medium businesses.
• MKB Bedrijfsschadeverzekering (SME Business Interruption Insurance) Business interruption insurance for SMEs covering loss of income and ongoing expenses following an insured event.
• MKB Elektronicaverzekering (SME Electronics Insurance) Electronics insurance for business equipment and devices used by SMEs.
• Werkmateriaalverzekering (Work Equipment Insurance) Work equipment insurance for SMEs covering forklifts, excavators and other machinery, with standard WA coverage and optional casco extensions.
• Milieuschadeverzekering (Environmental Damage Insurance) Environmental damage insurance covering pollution damage and third-party liability for environmental harm, available only in combination with Klaverblad Buildings insurance.
• Agrarische verzekeringen (Agricultural Insurance Package) Agricultural insurance package for Dutch farms covering farm buildings, equipment, livestock, and agricultural vehicles.
• Landbouwtrekkers- en werktuigenverzekering (Agricultural Tractor and Machinery Insurance) Insurance for agricultural tractors and machinery, including standard WA coverage and optional casco extensions.

Quantifiable outcome

• Customer satisfaction rating of 8 out of 10 based on 3,498 reviews
• +2 more outcomes

Named customers3 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

Feature3 records

Partnerships

Two partnerships are on record, tiered minor and core.

• Stichting Happy DaysminorOthers · 30 January 2026Charitable partnership with Stichting Happy Days from Zoetermeer, which provides vacation experiences for children aged 9-12 who are going through or have experienced difficult periods. Klaverblad employees raised €4,350 during their Christmas campaign to support the 2026 camp for approximately 50 children.
• INSVERcoreStrategic or Co-development Partner · 16 January 2026INSVER operates the Central Duurzaamheidsdesk (Central Sustainability Desk), an online tool supporting advisors in finding the right insurance coverage for business sustainability risks. Klaverblad participates in this platform which provides information on coverage for solar panels, charging solutions, heat pumps, mobility, and sustainable construction projects.

Scale indicators6 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• FBTO: Achmea subsidiary offering modular Dutch personal insurance with a digital-first proposition. Competes for the same private-individual customer base that Klaverblad's package product targets.
• De Goudse: Dutch mutual insurer distributing through independent advisors with a similar focus on SME and personal lines, including disability (AOV). Closely comparable in ownership structure (mutual/cooperative), distribution model, and target segments.
• a.s.r. (ASR Nederland): Large Dutch insurer with overlapping P&C, disability, and life products and a strong intermediary channel. Comparable in target customer (Dutch private and SME) and competitive set, though materially larger and listed.
• OHRA: Dutch insurer historically built on direct distribution, now part of ASR Nederland. Comparable personal-lines portfolio (home, auto, liability, travel) and competes for the same Dutch consumer and SME buyer.
• Interpolis: Achmea subsidiary focused on Dutch agricultural and SME customers — Klaverblad's agrarisch and MKB segments directly overlap with Interpolis's core market, making it a direct competitor in those niches.
• Univé: Dutch mutual/cooperative insurer distributing through independent advisors across personal and SME lines — closely mirrors Klaverblad's mutual-style ownership, advisor distribution model, and product mix including home, auto, and liability.

Broad incumbents

• Centraal Beheer: Achmea subsidiary with strong Dutch brand recognition across personal and SME insurance, including disability products. Overlaps with Klaverblad across the full personal and MKB product set.
• Achmea: The largest Dutch insurance group (parent of Interpolis, FBTO, Centraal Beheer, Zilveren Kruis). Competes with Klaverblad across personal, SME, and agricultural lines; a broad incumbent whose subsidiaries directly contest each niche Klaverblad serves.
• Allianz Nederland: Local arm of a global insurer operating in personal and commercial lines in the Netherlands. Comparable product portfolio with broader geographic and capital backing, competing for SME and personal customers.
• Nationale-Nederlanden (NN Group): One of the largest Dutch insurance brands offering P&C, life, and pensions through both direct and advisor channels. Comparable in product breadth and Dutch market positioning, but operates at far greater scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInnl.linkedin.com/company/klaverblad-verzekeringen
• Xx.com/klaverblad

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Klaverblad Insurance