Klap

What Klap does

Klap Verzekeringsmakelaar is an independent Dutch insurance broker founded in 1854 and headquartered in Amsterdam, serving businesses, self-employed professionals (ZZP), and private individuals across the Netherlands through six physical offices (Amsterdam, Rotterdam, Amersfoort, Nijmegen, Sassenheim, Beverwijk) and digital channels. The company operates an 'ongebonden' (unbound) broker model, meaning it is not tied to a single insurer: it places coverage with multiple reputable insurers, holds its own underwriting authority (volmacht), and runs an exchange broker business (Klap Beursmakelaar) that provides placing-broker access to the co-assurance market for complex brand, transport, and liability risks on behalf of other agents.

The product portfolio spans three core categories — Zakelijke Verzekeringen (business insurance covering liability, property, mobility, employee benefits, pensions, and cyber), Particuliere Verzekeringen (personal lines such as home, auto, travel, and health), and ZZP Verzekeringen (specialized freelancer packages) — supplemented by sector-specific verticals for recreation parks, hotels, graphic firms, hair salons, and technology companies. The technology layer includes the Mijn Klap customer portal for policy management and claims reporting, the Alicia.insure ZZP instant-quote platform enabling online purchase within five minutes, the Klap Beursmakelaar portal for placing brokers, and an EMS-ANVA integrated claims solution. International risk placement is delivered through the Trust Risk Control independent broker network.

Klap generates revenue primarily through insurance brokerage commissions from carriers for placing and managing policies on behalf of clients, with additional fixed-fee advisory income via Klap Beursmakelaar. The go-to-market combines field sales and dedicated account managers for MKB and enterprise clients, self-service digital channels for ZZP and individual customers, and a placing-broker channel for other agents. Klap is a wholly owned subsidiary of Ardonagh Nederland (ranked 22 in the AM Top 100 intermediary companies), has 150+ employees, and is led by CEO Wim Hekstra (appointed 2026), with Robert de Vos as financial director and Bram Grundmeijer as commercial director.

Name

Klap

Legal name

Klap Verzekeringsmakelaar

Website

https://klap.com

Company type

Private

Founded year

1854

Operating status

Operating

Headcount range

101–250 employees

Short description

Klap is an independent Dutch insurance broker founded in 1854 serving businesses, self-employed professionals (ZZP), and private individuals through six Dutch offices and digital portals, placing coverage with multiple insurers and operating its own underwriting and exchange-broker capabilities as a subsidiary of Ardonagh Nederland.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industries

Management Liability (D&O/EPL/Fiduciary) (FSAJAGAD), Individual Health Insurance Brokerage & Distribution (FSAIAEAL), Basic Group Term Life (Employer-Paid) (FSAIADAA)

Keywords

• Commercial insurance brokerage
• Business insurance advisory
• Personal insurance products
• Insurance risk management
• Employee benefits advisory

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commission: Klap earns commissions from insurance providers (insurers) for placing and managing insurance policies on behalf of clients. As an independent (ongebonden) broker, it compares and purchases coverage from multiple reputable insurers. The company operates its own 'volmacht' (underwriting authority) and 'beursbedrijf' (exchange business) enabling direct policy issuance and exchange-based placements.
2. Advisory and Consultation Fees: Klap charges fixed fees for advisory services, particularly for complex insurance advisory trajectories for agents and brokers (Klap Beursmakelaar operates on a fixed fee basis for advisory guidance).

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Klap Verzekeringsmakelaar is an independent Dutch insurance broker that places and manages business insurance, ZZP/self-employed insurance, and personal insurance policies on behalf of clients, comparing coverage across multiple insurers and advising on risk management. The company also operates Klap Beursmakelaar, an exchange-broker platform that provides other insurance agents access to co-assurance markets for complex or heavy risks, supported by its own underwriting authority (volmacht).

Product overview

Klap Verzekeringsmakelaar is an independent insurance broker (makelaar) founded in 1854, offering a comprehensive portfolio of insurance products and services for businesses, self-employed professionals (ZZP), and individuals in the Netherlands. The core offering spans three main categories: Zakelijke Verzekeringen (business insurance covering liability, property, mobility, employee benefits, and pensions), Particuliere Verzekeringen (personal insurance for home, auto, travel, and health), and ZZP Verzekeringen (specialized self-employed insurance). These are supported by digital platforms including Mijn Klap (online policy management portal) and Klap Beursmakelaar (exchange broker platform for complex risks via co-assurance markets). Specialized sector solutions include technology, recreation parks, hotels, and hospitality. The company operates with an 'unbound broker' model with its own authority (volmacht) and exchange business (beursbedrijf), providing objective advice backed by a worldwide independent broker network (Trust Risk Control). Recent acquisitions such as Segerink Adviesgroep (April 2026) demonstrate continued geographic expansion.

Differentiator

Problem solved

Functional benefit

Brands

• Klap Beursmakelaar: Exchange broker service providing access to co-assurance markets for complex or heavy risks in brand, transport, and liability insurance.

Quantifiable outcome

• Customers can purchase ZZP insurance within 5 minutes via digital platform
• +1 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Segerink AdviesgroepcoreStrategic or Co-development Partner · 3 April 2026Segerink Adviesgroep from Leusden joined Klap Verzekeringsmakelaar in April 2026, expanding Klap's presence and strengthening its position in the Dutch market. This acquisition brought new portfolio and client relationships to Klap.
• Trust Risk Control (International Network)coreStrategic or Co-development PartnerKlap is part of a worldwide and independent broker network (Trust Risk Control), providing access to local knowledge and expertise for placing international risks. This enables Klap to serve clients with foreign subsidiaries or businesses abroad.
• Ardonagh NederlandcoreOthersArdonagh Nederland is the parent company of Klap. Ardonagh Nederland was ranked 22nd in the AM Top 100 intermediary companies. Wim Hekstra, CEO of Klap, was also appointed as CEO of Ardonagh Nederland.
• Branch Organizations (FHI, Fenelab, FMed)minorGTM or Marketing PartnerKlap works closely with industry associations in the technology sector including FHI (technology industry association), Fenelab, and FMed, which accelerates growth and creates visibility among their members.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• MeesRisicobeheer: MeesRisicobeheer is a Dutch independent insurance broker serving MKB and corporate clients across the Netherlands. It is directly comparable to Klap in terms of target market, advisory-led distribution model, and product breadth across business lines.
• Tieleman Verzekeringen: Tieleman is a Dutch insurance broker serving MKB and ZZP clients in the southwest of the Netherlands. It is comparable to Klap in customer segmentation (MKB and self-employed) and product focus on business liability, motor, and property lines.
• Aevitae: Aevitae is a Dutch insurance intermediary and service provider focused on employee benefits, absence, and healthcare insurance. It overlaps with Klap in the Verzuim, WGA, and collective health segments and serves a similar employer buyer.
• Voogd & Voogd Verzekeringen: Voogd & Voogd is a Dutch insurance intermediary group with a regional and MKB focus, similar in customer profile and product mix to Klap. The two compete for Dutch SME and mid-market insurance placements and are both members of the same Dutch trade associations.
• Hekking & Co: Hekking & Co is a Dutch independent insurance broker serving business and private clients in the Netherlands. It is comparable to Klap as a mid-market, multi-line Dutch broker with advisory-led distribution and regional offices.

Others

• Achmea: Achmea is one of the largest Dutch insurance carriers and a key capital provider to brokers like Klap. As a principal insurer and direct distributor, it is both a partner and a potential disintermediator of Klap's commission-based revenue.
• ASR Nederland: ASR Nederland is a major Dutch life, health, and P&C insurer. It supplies capacity to Klap on pensions, life, and property lines and, like Achmea, represents both a key distribution partner and a competitive threat via direct channels.

Broad incumbents

• Aon Netherlands: Aon is a global insurance and reinsurance broker with a significant Dutch operation serving mid-market and large enterprise clients. It competes with Klap in the Dutch MKB and corporate segment, but with a much broader international and consulting portfolio.
• Willis Towers Watson (WTW) Netherlands: WTW is a global insurance, reinsurance, and advisory firm with Dutch operations serving mid-market and large corporates. It competes with Klap for larger Dutch clients and brings global placement capabilities, but at a much larger scale and broader scope than Klap.
• Marsh Netherlands: Marsh, part of Marsh McLennan, is a leading global insurance broker and risk advisor with a Dutch practice. It is comparable to Klap in the enterprise and risk advisory layer of the Dutch market, but operates at a much larger scale and global scope.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/klap-verzekeringen
• Xx.com/klapcom

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries3 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 Klap