EOC

What EOC does

EOC is a Dutch mutual ship insurance association (E.O.C. Onderlinge Schepenverzekering U.A.) founded in 1566 and headquartered in Meppel, with a secondary office in Zwijndrecht. Operating without profit motive as a verzekeraar-zonder-winstoogmerk, EOC specializes exclusively in maritime insurance across four primary segments: professional inland shipping (beroepsvaart — cargo ships, tankers, push boats, tugboats), charter and passenger vessels, recreational pleasure craft (motorboats, sailboats, sloops, speedboats, exclusive yachts up to EUR 12.5 million), and residential houseboats/water homes, plus a secondary marine-industry-businesses segment covering shipbuilders, yards, and marinas.

The product portfolio includes core insurance policies (beroepsvaartverzekering, charter/passagiersvaartverzekering, pleziervaartverzekering, woonbootverzekering, exclusive yacht insurance) bundled with free supplementary coverages such as collective accident and partial contents coverage, plus annual no-claim discounts. Around the insurance core, EOC operates four wholly-owned subsidiaries delivering an integrated service ecosystem: EOC Verzekeringsadvies (insurance advisory), EOC Expertise (ship surveys and inspections), EOC Scheepsrecht (maritime legal expense insurance), and Expertise-, Taxatie-, en Ingenieursbureau Van Pelt & Co. B.V. (engineering and taxations).

EOC generates revenue through annual recurring insurance premiums collected from policyholders across the Netherlands, Belgium, Luxembourg, and Germany. Distribution is multi-channel: an online self-service platform at premie-aanvragen.eoc.nl (with Mijn EOC customer portal for policy management and digital damage reporting), dedicated segment phone lines staffed by specialists without call-center menus, and in-person consultations at its two offices. Customer engagement is supported by the Varende Vrienden community platform and monthly newsletter. Strategic partnerships with Shipping Technology (ST BRAIN telematics), Watersportbeveiliging.com/MultiMill (security hardware), Dieseltank-reiniging.nl (tank cleaning), Allianz (liability underwriting), and certification bodies NBKB and Kiwa extend the offering. The organization employs 51–100 staff and insures over 4,000 houseboats — approximately one in three in the Netherlands.

Name

EOC

Legal name

E.O.C. Onderlinge Schepenverzekering U.A.

Website

https://eoc.nl

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

51–100 employees

Short description

EOC is a Dutch mutual ship insurance association (founded 1566) without profit motive, providing annual marine insurance policies and related advisory, legal, and surveying services for professional inland shipping, charter/passenger vessels, pleasure craft, exclusive yachts, and houseboats across the Netherlands, Belgium, Luxembourg, and Germany.

Ownership category

akta.pro rank

Product category

Marine Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers (5241)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAJAHAA

Ocean Marine Insurance (Hull, Cargo & Freight)

Financial & Insurance/Insurance — Motor, Property & Casualty/Marine & Aviation Insurance

SECONDARYFSAJAHAH

Protection & Indemnity (P&I) / Marine Liability Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Marine & Aviation Insurance

SECONDARYFSAJAHAI

Yacht & Pleasure Craft Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Marine & Aviation Insurance

SECONDARYFSAJAHAB

Inland Marine Insurance (Transit, Equipment & Installation)

Financial & Insurance/Insurance — Motor, Property & Casualty/Marine & Aviation Insurance

Keywords

• Ship insurance
• Marine insurance
• Pleasure craft insurance
• Houseboat insurance
• Professional inland shipping

Headquarters

HQ city

Meppel

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Ship Insurance Premiums: EOC generates revenue through insurance premiums paid by policyholders for coverage of professional vessels, pleasure boats, houseboats, and other watercraft. As a mutual insurer without profit motive, collected premiums are used to cover claims and operational costs.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

EOC is a Dutch mutual ship insurance association (onderlinge verzekeraar) that has provided maritime and watercraft insurance since 1566. The company sells insurance policies across four core segments: professional inland shipping (beroepsvaart), charter and passenger vessels, recreational pleasure craft including exclusive yachts, and houseboats/water-living vessels. These policies are bundled with value-added services including 24/7 damage reporting via the Mijn EOC portal, online premium calculators, free collective accident coverage, no-claim discounts, and access to complementary services such as EOC Verzekeringsadvies (advisory), EOC Scheepsrecht (maritime legal expense insurance), and Schade-expertise (NIVRE-certified damage assessment).

Product overview

EOC is a mutual ship insurance company founded in 1566, offering a comprehensive portfolio of maritime insurance products and services. The core offering consists of insurance policies across four segments: Beroepsvaart (professional inland shipping), Charter- en Passagiersvaart (charter and passenger vessels), Pleziervaart (recreational boating with sub-products for boats, motorboats, sailboats, sloops, speedboats, and exclusive yachts), and Wonen op het Water (houseboat/water living). These are complemented by value-added services including EOC Verzekeringsadvies (risk advisory), EOC Scheepsrecht (legal expense insurance), Schade-expertise (damage assessment), and the Varende Vrienden platform (customer community). EOC operates as a mutual without profit motive, providing coverage in Netherlands, Belgium, Luxembourg, and Germany through offices in Meppel and Zwijndrecht.

Differentiator

Problem solved

Functional benefit

Brands

• Varende Vrienden van EOC: Community platform for EOC members sharing knowledge, tips, news, and experiences related to boating and living on water.

Products and services

• Beroepsvaartverzekering (Professional Shipping Insurance) Comprehensive insurance for professional inland vessels including cargo ships, push boats, tankers, and towboats, providing P&I coverage, contents insurance, accident insurance, liability coverage, and free basic loss-of-time and obstruction insurance for professional shipping operators.
• Charter- en Passagiersvaartverzekering (Charter and Passenger Shipping Insurance) Insurance for charter and passenger vessels including motor passenger ships, sailing charter ships, stationary hospitality ships, and sport fishing vessels, bundled with P&I, contents, accident insurance, and business/employer liability coverage.
• Pleziervaartverzekering (Pleasure Craft Insurance) Insurance for recreational vessels including boats, motorboats, sailboats, sloops, speedboats, and exclusive yachts, with contents coverage up to 20% of insured value included at no extra cost.
• Woonbootverzekering (Houseboat Insurance) Insurance for residential watercraft including houseboats, water villas, and stationary live-aboard vessels, covering risks like drifting, disputes over berth, and periodic inspections, with optional legal expense coverage.
• Bootverzekering (Boat Insurance) Core boat insurance product providing WA (liability) coverage with optional cascode coverage for damage to own boat, theft, fire, and storm, plus legal expense add-on.
• Exclusieve Jachtverzekering (Exclusive Yacht Insurance) Premium insurance for luxury yachts with insured values from EUR 250,000 to EUR 12,500,000, featuring own-defect coverage, no depreciation on total loss, extended navigation coverage including Caribbean and Mediterranean, and P&I coverage for charter operations.
• EOC Verzekeringsadvies (EOC Insurance Advisory) Advisory service helping business clients identify risks and select appropriate insurance coverage, specializing in professional shipping, shipbuilders, marina operators, and hospitality on water.
• EOC Scheepsrecht (EOC Maritime Law) Legal expense insurance for professional shipping, covering disputes over delivered goods, improper repairs, detention days, and providing independent legal representation and optional external attorney support.
• Schade-expertise (Damage Expertise and Surveys) Ship damage assessment and inspection services conducted by NIVRE-certified experts specializing in shipbuilding, propulsion, nautical affairs, mechanical engineering, and claims handling.

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered minor.

• Shipping TechnologyminorGTM or Marketing PartnerShipping Technology provides high-tech systems for ships including the ST BRAIN platform offering real-time performance monitoring, collision detection, fleet management, and CO2/NOx emission tracking. EOC members receive 50% discount on basic subscriptions as part of a joint initiative to promote innovative safety technology in inland shipping.
• Watersportbeveiliging.com (MultiMill)minorGTM or Marketing PartnerMultiMill has specialized in security products for inland vessels, yachts, and harbors since 1991. EOC policyholders receive 10% discount on security equipment including locks, cables, anchors, chains, outboard motor locks, and electronic tracking systems (Track & Trace, boat management systems).
• Dieseltank-reiniging.nlminorGTM or Marketing PartnerFuel tank cleaning service provider offering EOC policyholders a 15% discount on diesel tank cleaning services for boats and pleasure vessels.
• Nederlands Bureau Keuringen Binnenvaart (NBKB)minorOthersNBKB is the certification body for inland navigation certificates including UCB, CVO, and CBB. EOC refers customers to NBKB for vessel certification and related questions.
• KiwaminorOthersKiwa provides information on vessel security standards and approved locks meeting SCM/ART/CCV certification requirements. EOC references Kiwa for security equipment guidance.
• AllianzminorOthersAllianz provides liability insurance products (business liability, employer liability, personal liability) that are offered as part of EOC's comprehensive insurance packages for professional shipping clients.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Yacht-Pool Group: European pleasure boat insurance specialist covering inland and coastal vessels across multiple countries. Comparable as a marine insurance niche player serving recreational boaters in overlapping European geographies.
• Noordhollandsche van 1816: Long-standing Dutch insurer with marine heritage and inland shipping coverage. Comparable as a Dutch mutual-style carrier with historical roots and overlapping professional inland shipping exposure.
• HISWA Verzekeringen: Dutch specialist insurer focused on pleasure craft and yacht insurance. Directly comparable as a Netherlands-based marine insurance specialist serving recreational boating customers, overlapping with EOC's pleziervaart segment.

Broad incumbents

• Chubb Marine: Global insurer offering marine cargo, hull, and yacht coverage including high-value vessels. Comparable as an established carrier serving luxury yacht and commercial marine customers with similar product breadth to EOC.
• Navigators (a Brand of The Hartford): Specialty marine and offshore insurer offering hull, P&I, and cargo coverage globally. Comparable as a marine insurance specialist serving commercial and complex risks, though operating at significantly larger scale than EOC.
• Markel International: Specialty insurer with marine, yacht, and pleasure craft lines across Europe. Comparable as a marine specialist offering yacht and inland vessel coverage, with broader European reach than EOC.
• Allianz Marine: Global insurer with marine, cargo, and yacht lines including European inland waterway coverage. Comparable as both a direct competitor in marine and the underwriting partner that supplies liability products inside EOC's packages.

Others

• Aon Marine Solutions: Global insurance broker with deep marine practice serving inland shipping, yacht, and commercial marine clients. Comparable as a marine insurance intermediary in the same customer segments EOC insures directly.
• Marsh Specialty (Marine Practice): Global insurance broker with dedicated marine and shipping practice advising shipowners and operators. Comparable as a marine risk advisor competing for the same professional shipping customers EOC serves.

Regional players

• Ansvar Verzekering: Dutch niche insurer with marine and mobility lines. Comparable as another Netherlands-focused specialist carrier addressing similar customer bases though with broader product set.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/eocverzekering
• YouTubeyoutube.com/channel/UCvC7vCpkTi2rJr1iP2I2fAA
• Facebookfacebook.com/EOCverzekering
• LinkedInlinkedin.com/company/eoc-onderlinge-schepenverzekering-ua
• Instagraminstagram.com/varendevriendenvaneoc

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries4 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 EOC