Noorderlinge

What Noorderlinge does

Noorderlinge B.V. (trading as Noorderlinge verzekeraars) is a Dutch volmachtbedrijf — a delegated authority underwriting agent — headquartered in Leeuwarden, Netherlands, offering property and casualty insurance products to consumers and small businesses. The current operating entity was formed through the 2012 merger of De Leeuwarder Onderlinge (founded 1850) and AFOS Zevenwouden, and has traded under the Noorderlinge brand since 2013. Product coverage spans roughly 30 lines including home contents and buildings insurance, personal and business liability, motor and recreational-vehicle insurance, legal-expenses cover, and a bundle of small-business lines such as business interruption, environmental damage, and electronics cover; the Oostergo Woonpakket is the flagship consumer home bundle and rhion underwrites it alongside Zevenwouden and a.s.r. products.

The company generates revenue through insurance premiums collected on policies underwritten via delegated authority from multiple risk carriers (Zevenwouden, a.s.r., rhion, ARAG, DAS), with annual subscription terms and flexible monthly, quarterly, semi-annual, or annual billing. Go-to-market is exclusively indirect: customers transact through a network of approximately 400 independent insurance advisors (tussenpersonen) who use the Noorderlink digital portal for application, policy administration, and claims reporting. Underlying technology consists of standard insurance administration systems with no disclosed proprietary AI or ML capability; integrations include eHerkenning (SSO), GlasGarant and SchadeGarant (repair networks), and ARAG/DAS (legal assistance). The business operates solely in the Netherlands, holds AFM registration, is a member of NVGA, and participates in KiFiD dispute resolution. As of April 2026, the insurance portfolio of AFOS Zevenwouden U.A. — including the Noorderlinge volmachtbedrijf — is being acquired by De Goudse Schadeverzekeringen N.V., subject to DNB and AFM approval, with the risk-carrier transfer on Zevenwouden policies scheduled for 1 July 2026.

Name

Noorderlinge

Legal name

Noorderlinge B.V.

Website

https://noorderlinge.nl

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Noorderlinge is a Dutch volmachtbedrijf (delegated authority insurance agent) in Leeuwarden that distributes property, casualty, liability, motor, and legal-expense insurance products from multiple risk carriers to Dutch consumers and small businesses exclusively through a network of approximately 400 independent advisors.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Direct Property and Casualty Insurance Carriers (524126)

SIC

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

akta.pro primary industry

Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)

Keywords

• Property casualty insurance
• Authorized underwriting agent
• Independent advisor network
• Home contents insurance
• Small business insurance

Headquarters

HQ city

Leeuwarden

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Noorderlinge generates revenue through insurance premiums collected on policies underwritten through their delegated authority (volmacht) arrangements with risk carriers Zevenwouden, a.s.r., rhion, ARAG, and DAS. Policies are sold through independent advisors on an annual subscription basis with monthly, quarterly, semi-annual, or annual billing options.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Noorderlinge is a Dutch volmachtbedrijf (authorized underwriting agent) that distributes non-life insurance products from multiple risk carriers (Zevenwouden, a.s.r., rhion, ARAG, DAS) exclusively through a network of approximately 400 independent insurance advisors. The portfolio includes consumer personal insurance (home contents, homeowners, personal liability, vehicles, travel, accident, legal expenses, valuables) and small-business commercial insurance (liability, property, inventory, electronics, business interruption, environmental damage, agricultural equipment, commercial vehicles, and business legal expenses).

Product overview

Noorderlinge verzekeraars is a volmachtbedrijf (authorized agent/underwriting agency) offering a comprehensive portfolio of property and casualty insurance products for both consumers and small-to-medium businesses. The company operates as a partnership with independent insurance advisors and offers products from multiple risk carriers including Zevenwouden, a.s.r., rhion, ARAG, and DAS. The core product portfolio centers on home insurance (inboedel- and woonhuisverzekering) with a specialization in fire insurance. Key product lines include: consumer personal insurance covering home contents, homeowners, personal liability, vehicle insurance (car, motorcycle, moped, caravan, camper, boat), travel, accident, legal expenses, and valuables; business insurance covering commercial property, business liability, inventory/goods, electronics, business interruption, extra costs, environmental damage, money, land equipment, commercial vehicles, traffic accident for employees, and business legal expenses. The company also offers branded insurance packages including the Oostergo Woonpakket (consumer home bundle) and Uit & Thuis (personal insurance package), as well as the internal Noorderlink advisor platform for policy management.

Differentiator

Problem solved

Functional benefit

Brands

• Oostergo Woonpakket: Home insurance package product line offering inboedelverzekering (contents), woonhuisverzekering (buildings), and aansprakelijkheidsverzekering (liability) with competitive pricing and improved terms.

Products and services

• Inboedelverzekering Home contents insurance covering damage from fire, burglary, theft, leakage, and unexpected events. Includes coverage for smartphones against fire, storm, and burglary with evidence of forced entry. Targeted at individual consumers and households in the Netherlands.
• Woonhuisverzekering
• Aansprakelijkheidsverzekering Zevenwouden
• Autoverzekering a.s.r.
• Motorverzekering a.s.r.
• Bromfietsverzekering a.s.r.
• Caravanverzekering a.s.r.
• Kampeerautoverzekering a.s.r.
• Pleziervaartuigenverzekering a.s.r.
• Doorlopende reisverzekering en annulering Zevenwouden
• Ongevallenverzekering Zevenwouden
• Rechtsbijstandverzekering particulier Zevenwouden
• Kostbaarhedenverzekering
• Oostergo Woonpakket Bundle home insurance package combining inboedelverzekering (up to €175,000 with guarantee against underinsurance), woonhuisverzekering (up to €1,500,000), and aansprakelijkheidsverzekering with enhanced coverage for dog damage, pet sitting, and garage at other address in Europe. Targeted at individual consumers and households seeking comprehensive home coverage in the Netherlands.
• Verzekering op maat
• Bedrijfsaansprakelijkheidsverzekering
• Bedrijfsgebouwenverzekering
• Inventaris- en Goederenverzekering
• Elektronicaverzekering
• Bedrijfsschadeverzekering
• Extra kostenverzekering
• Milieuschadeverzekering
• Geldverzekering
• Landmaterieelverzekering
• Bestelautoverzekering
• Zakelijke Autoverzekering
• Verkeersschadeverzekering voor werknemers
• Rechtsbijstandverzekering zakelijk

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Partnerships

Six partnerships are on record, tiered core and supporting.

• ZevenwoudencoreTechnology or IntegrationZevenwouden is the primary risk carrier for many Noorderlinge insurance products. Noorderlinge acts as gevolmachtigd agent (delegated authority agent) for Zevenwouden, accepting and administering policies on their behalf. In April 2026, De Goudse announced acquisition of Zevenwouden and Noorderlinge.
• a.s.r.coreTechnology or Integrationa.s.r. is a major risk carrier providing motor insurance, recreational vehicle insurance, and other products through Noorderlinge's advisor network.
• rhioncoreTechnology or Integrationrhion is a risk carrier for the Oostergo Woonpakket (home insurance package) products offered by Noorderlinge.
• ARAGsupportingTechnology or IntegrationARAG provides legal expense insurance products distributed through Noorderlinge's advisor network.
• DASsupportingTechnology or IntegrationDAS provides legal expense insurance (rechtsbijstandverzekering) for both consumer and business customers through Noorderlinge.
• Nederlandse Vereniging van Gevolmachtigde Assurantiebedrijven (NVGA)supportingOthersNVGA is the Dutch Association of Delegated Authority Insurance Companies. Noorderlinge is a member and complies with NVGA quality standards and codes of conduct.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Klaverblad Verzekeringen: Klaverblad is a Dutch mutual non-life insurer focused on small business and consumer P&C products distributed through independent advisors. Comparable niche focus, mutual structure, and advisor-driven model serving Dutch consumers and SMBs.
• Zevenwouden (AFOS Zevenwouden): Zevenwouden is Noorderlinge's primary risk carrier and a Northern Netherlands mutual insurer offering home, motor, liability, and travel insurance through advisors. Directly comparable regional footprint, mutual heritage, and advisor-led distribution model; being acquired alongside Noorderlinge by De Goudse.
• Univé: Univé is a Dutch insurance cooperative offering non-life and health insurance through a regional mutual structure. Comparable in advisor-led distribution, mutual/cooperative heritage, and focus on consumers and small businesses in regional Dutch markets.
• Loyaal Verzekeringen: Loyaal is a direct brand of a.s.r. offering consumer P&C insurance in the Netherlands. Comparable in non-life insurance product set (home, motor, liability) and Dutch consumer focus, though distributed direct-to-consumer rather than through advisors.
• AnsvarIdéa Verzekeringen: AnsvarIdéa is a Dutch non-life insurer specializing in liability, legal expenses, and SME coverage distributed via advisors. Comparable in advisor-led P&C distribution, specialty focus areas, and Dutch regional mutual heritage.

Broad incumbents

• Nationale-Nederlanden: Nationale-Nederlanden is a large Dutch insurance group offering life, non-life, and banking products. Comparable in non-life product categories distributed in the Netherlands; substantially larger scale and broader product portfolio with full underwriting capability.
• Centraal Beheer (Achmea): Centraal Beheer is a major Dutch consumer P&C brand owned by Achmea. Comparable in Dutch consumer non-life product offerings (home, motor, liability, travel); substantially larger scale, broader distribution including direct channels, and full underwriting capability.
• De Goudse Schadeverzekeringen: De Goudse is the acquirer of Noorderlinge and a Dutch mid-sized non-life insurer offering P&C, life, and income protection products through an advisor network. Highly comparable in advisor-led distribution and Dutch P&C focus, with broader product breadth and balance-sheet scale.
• a.s.r. (ASR Nederland): a.s.r. is one of Noorderlinge's core risk carriers (motor, recreational vehicles) and a major Dutch insurance group offering life, non-life, and asset management products. Comparable product lines through shared carrier agreements; broader scale, balance sheet, and product portfolio.

Emerging players

• InShared: InShared is a Dutch digital-first non-life insurer under a.s.r. offering consumer P&C products online. Comparable product set in Dutch consumer insurance but distributed direct-to-consumer; represents the digital competitive threat to Noorderlinge's advisor model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Noorder_linge
• LinkedInlinkedin.com/company/noorderlinge-verzekeraars

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Noorderlinge