Perrée & Partners

What Perrée & Partners does

Perrée & Partners B.V. is a Dutch independent insurance intermediary network headquartered in Eindhoven, founded in 2004. The company operates as a multi-branch assureringskantoor (insurance brokerage) with offices across the Netherlands under both the Perrée & Partners master brand and regional sub-brands including Futurum & Van Wijngaarden (Houten), Riksen & Winter (Oosterbeek), Sprenger & Herland (Hoensbroek), Van der Velde (Surhuisterveen), Hoetmer Assurantiën, Assurantiekantoor Wertenbroek, and Ramerman & Onnink. It is fully independent and works with more than 40 Dutch insurers, enabling the firm to recommend coverage that best fits customer needs rather than pushing any single carrier's products.

The firm serves two primary customer segments: SMB and mid-market businesses (zakelijk) requiring commercial insurance across property, liability, motor fleet, cyber, transport, CAR/construction, business interruption, disability (AOV), absenteeism (verzuim), and pension planning; and individual consumers (particulieren) requiring personal lines including auto, home, health, travel, legal expense, recreation, life, funeral, and annuity products. Adjacent financial services are delivered through two wholly-owned sub-brands: Milo for mortgage advisory (comparing 40+ mortgage providers) and Mijn Financier for business financing, leasing, and personal credit. Specialized pension advisory is provided via partner firms KM Financial Consulting and FH Pensioenadvies.

The business model is primarily commission-based, with insurers paying the intermediary for placed policies. Supplementary revenue streams include subscription fees (offered at select branches as an alternative to commission) and fee-for-service partial advice (deeladvies) priced at €695 for lijfrente advisory, €480 plus €46.35/month for AOV Standard remote advisory, and €785 for AOV Premium in-person advisory. A free second-opinion service for businesses already insured elsewhere functions as a customer-acquisition funnel into the "totaalrelatie" total-relationship model, which delivers package discounts of 10–12% and a dedicated single contact point. Distribution is exclusively advisor-led through field sales (buitendienst), inside sales (binnendienst), and physical branch walk-ins; no app, marketplace, or e-commerce channel exists. Technology footprint is limited to standard digital tools: a mortgage customer portal via Milo, a damage-reporting portal, and publicly disclosed comparison documents (vergelijkingskaarten) compliant with MiFID/AVG. The firm holds AFM license 12003883, Kifid membership 300.001455, SEH Erkend Financieel Adviseur status, and Adfiz and AVANS registrations.

Name

Perrée & Partners

Legal name

Perrée & Partners B.V.

Website

https://perreepartners.nl

Company type

Private

Founded year

2004

Operating status

Operating

Short description

Perrée & Partners B.V. is a Dutch independent insurance intermediary network operating 9+ regional branch offices nationwide, placing business and personal insurance with 40+ insurers, and offering mortgage advisory (Milo) and business financing (Mijn Financier) under wholly-owned sub-brands.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Small Business BOP (Main Street) (FSAJAFAA)

akta.pro secondary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Insurance intermediation
• Commercial insurance advisory
• Personal insurance brokerage
• Mortgage advisory services
• Risk management consulting

Headquarters

HQ city

Eindhoven

HQ country

Netherlands

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance commission (provisie): Perrée & Partners acts as an independent insurance intermediary, earning commission from insurers for placed policies. They work with over 40 insurers in the Netherlands and are fully independent, meaning they can recommend the insurer that best fits the customer's needs.
2. Subscription / service fee (zakelijk): Some offices (e.g., Futurum & Van Wijngaarden) offer business clients the option to pay a subscription fee instead of commission on placed insurance policies. This transparent model appeals to clients who prefer clarity on costs and align with trust-based relationships.
3. Partial financial advice fee (deeladvies): For specific services such as lijfrente (annuity) advice and AOV (disability insurance) advisory, Perrée & Partners charges a fee-for-service model. Partial annuity advice is priced at €695 per product. AOV Standard advisory is priced at €480 plus €46.35/month management fee; AOV Premium at €785 one-time.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Perrée & Partners is an independent Dutch insurance intermediary operating a network of regional offices across the Netherlands. The firm places business and personal insurance policies on behalf of clients with more than 40 Dutch insurers, providing risk scans, policy optimization, ongoing maintenance, and claims support. It also offers adjacent financial services including mortgage advice (via the Milo brand), business financing (via Mijn Financier), and partial financial planning advice on a fee-for-service basis.

Product overview

Perrée & Partners is a Dutch independent insurance intermediary operating under a network of regional offices across the Netherlands. The company offers a comprehensive portfolio of insurance products and financial services through two main channels: business solutions (zakelijk) covering commercial insurance lines such as property, liability, cyber, transport, employee benefits, and business financing; and personal solutions (particulieren) covering auto, home, health, travel, legal, recreation, and life insurance. The company is organized around branded service concepts including Milo (mortgage advisory), Mijn Financier (credit services), and WiersmAdvies (regional mortgage partner), alongside advisory services for risk management and second opinions. The core value proposition is independent advice across more than 40 insurers, offering package discounts and centralized coverage management as a 'totaalrelatie' (total relationship) customer.

Differentiator

Problem solved

Functional benefit

Brands

• Milo: Mortgage advisory services, bundling knowledge, experience and purchasing power for optimal mortgage advice. Helps with renovations, sustainability, repayment and equity.
• Mijn Financier

Products and services

• Zakelijke Aansprakelijkheidsverzekering (AVB) Business liability insurance covering damages to persons (injury) and physical property caused by the business, products, and/or employees. Targeted at Dutch SMB and mid-market companies.
• Arbeidsongeschiktheidsverzekering (AOV) Disability insurance covering income loss due to temporary or long-term inability to work caused by physical or mental conditions. Available in Standard (€480 one-time + €46.35/month management fee, remote advisory) and Premium (€785 one-time, dedicated in-person advisor) tiers.
• Bedrijfsschadeverzekering Business interruption insurance covering loss of revenue caused by sudden unforeseen business closure. Targeted at Dutch commercial clients.
• Cyberverzekering Cyber insurance providing coverage against incidents such as phishing, DDoS attacks, and ransomware. Targeted at Dutch businesses of all sizes.
• Gebouwenverzekering Property insurance covering damage to commercial buildings. Targeted at Dutch business property owners.
• Bedrijfswagen- en Wagenparkverzekering Commercial vehicle insurance for company cars and fleets. Targeted at Dutch businesses operating vehicle fleets.
• CAR- en Montageverzekering Construction All Risks (CAR) and assembly insurance covering material damage at construction sites. Targeted at Dutch construction and building industry clients.
• Goederentransportverzekering Goods transport insurance covering merchandise against damage during transport. Targeted at Dutch logistics and trading businesses.
• Vervoerdersaansprakelijkheidsverzekering Carrier liability insurance covering liability for goods damage during transport. Targeted at Dutch transport companies.
• Verzuimverzekering Absenteeism insurance covering employer costs during employee illness and supporting reintegration obligations. Targeted at Dutch employers.
• Pensioenplanning (zakelijk) Pension planning services for employers and self-employed to establish retirement arrangements, delivered with specialist pension partners. Targeted at Dutch business owners and employers.
• Zakelijke Financieringen en Vastgoedfinancieringen Business financing and real estate financing services for Dutch companies, delivered via the Mijn Financier sub-brand. Includes leasing and sustainability financing.
• Autoverzekering Car insurance providing coverage for damage related to owning and using a vehicle. Targeted at Dutch private individuals.
• Woonverzekering Home insurance covering house and household contents against damage or theft. Targeted at Dutch private individuals and households.
• Zorgverzekering Health insurance (mandatory in the Netherlands) with basic and supplementary coverage options for medical costs, comparison handled via partner Upiva. Targeted at Dutch residents.
• Uitvaartverzekering Funeral insurance ensuring a sum and/or services are paid out upon death for funeral expenses. Targeted at Dutch private individuals, partnered with Monuta and DELA.
• Reisverzekering Travel insurance covering medical emergencies, luggage loss or damage, trip cancellation, and unexpected events during travel. Targeted at Dutch private individuals.
• Recreatieverzekering Recreation insurance for boats, caravans, and holiday homes, including caravan and boat insurance. Targeted at Dutch private individuals.
• Aansprakelijkheidsverzekering (particulier) Personal liability insurance covering damages caused by the policyholder for which they are liable. Targeted at Dutch private individuals.
• Rechtsbijstandverzekering Legal expense insurance providing professional legal assistance when needed. Targeted at Dutch private individuals.
• Overlijdensrisicoverzekering Life insurance providing financial benefits to dependents upon death of the insured. Targeted at Dutch private individuals and families.
• Lijfrente (deeladvies) Annuity partial advice and brokerage service (€695 per product) covering payout, deferral, and redemption options for retirement savings. Targeted at Dutch private individuals with retirement capital.
• Hypotheekadvies (Milo) Mortgage advisory services bundling knowledge and purchasing power across the Perrée & Partners network, comparing more than 40 mortgage providers. Includes renovations, sustainability, repayment, and equity withdrawal advice. Targeted at Dutch homebuyers and homeowners.
• Kredieten en Financieringen (Mijn Financier) Credit and financing services including personal loans, revolving credit, refinancing, business leasing, and sustainability financing for homes. Targeted at Dutch private individuals and businesses.
• Risicomanagement en Advies Risk scanning service that maps potential business risks during on-site company visits, analyzing insurance policies and risk profiles. Targeted at Dutch SMB and mid-market businesses.
• Second Opinion Zakelijke Verzekeringen Second opinion analysis service for existing business insurance portfolios, identifying areas for improvement or cost savings. Generally free for new customers. Targeted at Dutch businesses already insured elsewhere.

Quantifiable outcome

• Package discounts up to 10–12% for clients bundling all insurance with one insurer
• +3 more outcomes

Named customers10 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered core and minor.

• Mijn FinanciercoreStrategic or Co-development PartnerMijn Financier is the specialized financing brand within the Perrée & Partners network, handling business financing, leasing, and autofinancing. They serve clients across all branch offices for financial products including business asset leasing and sustainability financing for homes.
• Milo (hypotheekspecialisten)coreStrategic or Co-development PartnerMilo is the mortgage advisory brand within the Perrée & Partners group. It bundles knowledge, experience, and purchasing power across the network to provide the best mortgage advice. Milo offers full-service mortgage guidance, from remodeling and sustainability to repayment and equity withdrawal. They compare more than 40 mortgage providers.
• UpivacoreChannel Partner/ Reseller/ DistributorUpiva is a healthcare insurance specialist partner for Perrée & Partners. They handle healthcare insurance comparisons for both MKB (business) and private clients of Perrée & Partners. Upiva is accessible 24/7 at 088-0008333 and provides entirely obligation-free advice to clients.
• WiersmAdviesminorChannel Partner/ Reseller/ DistributorWiersmAdvies operates as an independent mortgage advisor within the Van der Velde office, working with 40 different mortgage lenders to provide tailored mortgage advice to clients in Surhuisterveen and surrounding areas.
• KM Financial Consulting (Koen Marinussen)coreImplementation/ SI/ Consulting PartnerPerrée & Partners has partnered with KM Financial Consulting for specialized pension advisory services. Koen Marinussen provides expert pension advice to clients, handling everything from scheme setup to ongoing pension planning. Contact: 06-46243466.
• FH Pensioenadvies (Frank van der Heijden)coreImplementation/ SI/ Consulting PartnerPerrée & Partners works with FH Pensioenadvies for specialized pension advisory. Frank van der Heijden handles pension planning advisory as a specialist partner, complementing the firm's own insurance and financial planning capabilities.
• Klaverblad VerzekeringenminorOthersKlaverblad is one of the insurance partners in Perrée & Partners' network of over 40 insurers. Listed as a partner insurer on the main website.
• Nationale NederlandenminorOthersNationale Nederlanden is a major insurer partner in Perrée & Partners' network of over 40 insurers. Listed as a partner insurer on the main website.
• ASR NederlandminorOthersASR Nederland is an insurer partner in Perrée & Partners' network of over 40 insurers. Listed as a partner insurer on the main website.
• NH1816 VerzekeringenminorOthersNH1816 is an insurer partner in Perrée & Partners' network of over 40 insurers. Listed as a partner insurer on the main website.
• Goudse VerzekeringenminorOthersGoudse is an insurer partner in Perrée & Partners' network. Listed as a partner insurer on the main website.
• Voogd & VoogdminorOthersVoogd & Voogd is an insurance intermediary partner listed on the Perrée & Partners website.
• AverominorOthersAvero is an insurer partner in Perrée & Partners' network. Listed as a partner insurer on the main website.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Meijers Assurantiën: Dutch independent insurance intermediary group serving both private and business clients across multiple regional offices. Closest like-for-like comparable to Perrée & Partners in scope, independence, and dual B2B/B2C model.
• Voogd & Voogd: Dutch independent insurance intermediary serving SMB and mid-market with multi-office regional coverage. Listed as a partner on Perrée & Partners' site but in many segments directly competes for the same zakelijk accounts.
• Klap Verzekeringsmakelaar: Dutch regional insurance broker with multiple branches serving private and business clients in comparable segments. Direct head-to-head competitor for SMB commercial and personal lines in overlapping Dutch geographies.
• Kusters & Vissers: Dutch independent insurance intermediary with regional offices serving private individuals and SMEs. Overlaps with Perrée & Partners' particulieren and smaller zakelijk accounts across personal and small commercial lines.
• Polder & Partners: Independent Dutch insurance and risk advisory intermediary serving SMB and mid-market business clients. Comparable in target segment and independence-based value proposition to Perrée & Partners' zakelijk offering.

Others

• Nationale-Nederlanden: Major Dutch insurer listed as one of Perrée & Partners' 40+ carrier partners. Primarily a supplier/partner rather than direct competitor, but its direct-to-consumer channel competes indirectly for end-client acquisition.

Broad incumbents

• Aon Nederland: Global insurance and risk advisory firm with a substantial Dutch operation serving mid-market and large corporates across all lines. Directly competes for mid-market commercial risk and advisory mandates that Perrée & Partners targets, but at materially larger scale and with broader consulting capabilities.
• Marsh Nederland: Major global insurance broker with Netherlands presence serving corporate and mid-market clients across property, casualty, cyber, and employee benefits. Comparable to Perrée & Partners' zakelijk offering but operating at enterprise scale with multinational capabilities.

Emerging players

• Independer: Dutch digital insurance comparison and distribution platform. Competes with Perrée & Partners primarily for commoditized personal lines (auto, home, health), representing the digital channel threat to traditional advisory intermediaries.
• Pricewise: Dutch online comparison site for insurance, energy, and financial products. Disintermediates low-complexity personal lines business that Perrée & Partners' binnendienst advisors currently handle.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/perreepartners

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries9 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 Perrée & Partners