What Yezzer does

Yezzer is an independent Dutch online platform, founded in 2014 and headquartered in Amsterdam, on which self-employed professionals (ZZP'ers) and small-to-medium business owners (MKB'ers) compare and purchase commercial insurance products from 42 connected insurers. The platform's flagship line is the Arbeidsongeschiktheidsverzekering (AOV) for income protection, supplemented by a growing multi-product stack including Beroepsaansprakelijkheidsverzekering (BAV), Bedrijfsaansprakelijkheidsverzekering (AVB), Cyber, Verzuim, Rechtsbijstand, Bedrijfspensioen, D&O, CAR, zakelijke auto/bestelbus, VvE, Zorgverzekering, and the mutual-aid alternative Crowdsurance. Yezzer combines free self-service comparison, a guided online advisory module, personal advisor support, and bundled "Yezzer Zakelijk Pakket" packages with collective and package discounts.

Underlying technology centers on an online comparison engine aggregating premium and policy terms across connected insurers, a Yezzer-developed online advisory module (notably for AOV), an AOV premium calculator, migration/overstapservice tooling, and a white-label/embedded Partner Platform enabling third-party platforms (Bunq, Teun, OneFellow, Zoofy) to offer Yezzer-sourced insurance through co-branded journeys and API-style integrations. Supporting customer-experience flows include online forms for policy modification, cancellation, and claims notification.

Revenue mechanics are distinctive for the Dutch market. Yezzer states it receives no commissions on any insurance product, instead charging a service fee of approximately €15/month and a €249 one-time advisory/mediation fee for AOV, supplemented by volume-based revenue from collective insurance packages and bundled offerings. Distribution runs through a self-serve direct platform, an inside-sales hybrid advisor channel (phone/email), and the B2B embedded/white-label Partner Platform — in each case domestic Netherlands only. Yezzer operates as a "Yellow Walnut original company" within the Yellow Walnut holding (alongside Boostz, GrowthClass, and Yellow Walnut Legal), with cross-product benefits such as free Boostz Premium gifted to customers and discounted GrowthClass growth programs.

Name

Yezzer

Legal name

Yezzer

Website

https://yezzer.nl

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Yezzer is an independent Amsterdam-based online platform, founded 2014, where Dutch self-employed professionals (ZZP'ers) and SMB owners (MKB'ers) compare and purchase commercial insurance — anchored by disability (AOV), liability, cyber, and absence coverages — from 42 connected insurers via self-service, advisor, or white-label/embedded partner channels.

Ownership category

akta.pro rank

Product category

Business Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Small Business BOP (Main Street) (FSAJAFAA)

Keywords

• Business insurance brokerage
• Online insurance comparison
• ZZP insurance platform
• Professional liability insurance
• Disability insurance advisory

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Service fee model (replacing commission): Yezzer charges a service fee per month (approximately €15 per month) and a one-time advisory and mediation fee (€249 for AOV advice and processing). Yezzer states it receives no commission on any insurance product. This is intended to be lower than traditional commission-based models. The company also offers collective insurance packages that generate volume-based revenue.
2. Insurance premium revenue (insurer side): While Yezzer does not earn commissions from insurers directly, the company generates revenue through volume of policies sold across its 42 connected insurers. The collective insurance model drives policy volume and associated revenue.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels8 records

Core offering

Yezzer is an independent Dutch online insurance comparison and brokerage platform where self-employed professionals (ZZP'ers) and small/medium businesses (MKB'ers) compare and purchase commercial insurance policies from 42 connected insurers. Its product set spans disability (AOV), professional liability (BAV), general business liability (AVB), cyber, absence (Verzuim), legal expenses (Rechtsbijstand), D&O, business pension, commercial vehicle, health, Crowdsurance and bundled MKB packages, sold via self-serve or personal advisor channels with collective discounts.

Product overview

Yezzer is an independent, online insurance comparison and brokerage platform targeting Dutch self-employed professionals (ZZP'ers) and small-to-medium businesses (MKB'ers). The platform aggregates offerings from 42 partner insurers and provides a multi-product portfolio centered on the core AOV (Arbeidsongeschiktheidsverzekering), complemented by liability, absence, cyber, legal, and sector-specific insurance lines. Key products include the Arbeidsongeschiktheidsverzekering (AOV) as the flagship offering, alongside the Beroepsaansprakelijkheidsverzekering (BAV), Bedrijfsaansprakelijkheidsverzekering (AVB), Cyberverzekering, Verzuimverzekering, Rechtsbijstandverzekering, Bedrijfspensioen, and sector-specific packages for construction (CAR), ICT, legal, and financial services. The platform also offers white-label/embedded insurance solutions via its Partner Platform for third-party platforms targeting entrepreneurs. Additional value-added services include the self-service Yezzer Zelf tool, an online AOV advisory module, AOV premium calculator, overstapservice, and free loyalty benefits (Accident Insurance, Boostz Premium, GrowthClass programs). The platform is available entirely online, with options for self-service, guided advice, or full-service brokerage, and operates under the Yellow Walnut holding company.

Differentiator

Problem solved

Functional benefit

Products and services

• Arbeidsongeschiktheidsverzekering (AOV) - Disability Insurance Disability insurance that protects self-employed ZZP'ers and MKB owners against loss of income due to illness or accidents, available as sommenverzekering (fixed benefit) or schadeverzekering (indemnity-based), with customizable waiting periods, coverage limits and retirement ages.
• Beroepsaansprakelijkheidsverzekering (BAV) - Professional Liability Insurance Professional liability insurance covering financial losses caused by errors, negligence, incorrect advice, mistakes or wrongful actions during professional practice, primarily for consultants, ICT professionals, lawyers, architects and financial advisors.
• Bedrijfsaansprakelijkheidsverzekering (AVB) - General Business Liability Insurance General business liability insurance protecting entrepreneurs against costs arising from accidental damage to property or persons during business activities.
• Cyberverzekering - Cyber Insurance Cyber insurance covering hacking, ransomware, data breaches, IT system restoration, business interruption, third-party liability, legal expenses and crisis communication for entrepreneurs.
• Verzuimverzekering - Absence Insurance Absence insurance for employers covering the costs of continued salary payment during employee illness (up to 2 years), reintegration support and occupational health services.
• Rechtsbijstandverzekering - Legal Expenses Insurance Legal expenses insurance covering legal costs, dispute resolution and legal counsel for business-related conflicts.
• Bedrijfspensioen - Business Pension Business pension product enabling entrepreneurs to arrange retirement savings for themselves or their employees.
• Bestuurdersaansprakelijkheidsverzekering - D&O Liability Insurance Directors and officers (D&O) liability insurance covering claims against company directors and executives for wrongful acts.
• Zakelijke autoverzekering - Commercial Vehicle Insurance Commercial vehicle insurance for business-owned cars and delivery vehicles, including third-party liability and optional comprehensive coverage.
• Bestelbus verzekering - Van / Light Commercial Vehicle Insurance Van and light commercial vehicle insurance covering business use of delivery vans and light trucks.
• VvE verzekering - HOA / Building Management Insurance Building management association (VvE) insurance covering residential apartment complexes for property damage, liability and related risks.
• Zorgverzekering - Health Insurance (Yezzer Zorgcollectief) Health insurance for entrepreneurs and their employees offered through a collective scheme with discounts from participating insurers.
• Crowdsurance - Mutual Aid Alternative to Insurance Mutual aid alternative to traditional insurance, where groups of entrepreneurs pool contributions to support members who become ill, paying out for a maximum of 2 years without requiring a medical certificate.
• Yezzer Zelf - Self-Service Insurance Package Builder Self-service platform allowing entrepreneurs to independently select, calculate and purchase business insurance packages online in approximately 3 minutes without advisor involvement.
• Yezzer Zakelijk Pakket - Customisable Business Insurance Bundle Customisable bundled business insurance package combining multiple insurance types (e.g., AVB, Rechtsbijstand, Cyber, Verzuim, CAR, Zakelijke auto) from 42 partner insurers with collective and package discounts.
• Yezzer Ongevallenverzekering - Free Accident Insurance Loyalty Benefit Accident insurance provided free of charge to Yezzer customers as a loyalty benefit since 15 March 2020.
• Yezzer Partner Platform - Embedded / White-Label Insurance Infrastructure White-label and embedded insurance platform for third-party platforms targeting ZZP and MKB audiences, offering co-branded journeys, affiliate models, or fully embedded integrations, with options for individual or collective policies and flexible cancellation.
• Basis AOV (a.s.r.) - Basic Disability Insurance Basic disability insurance product offered by a.s.r. via the Yezzer platform, designed as a simplified or entry-level AOV option.
• CAR-verzekering - Construction All Risk Insurance Construction All Risk insurance covering damage to construction projects, materials and third-party liability during building activities.
• Zakelijke reisverzekering - Business Travel Insurance Business travel insurance covering medical emergencies, trip cancellations and travel-related risks for entrepreneurs traveling for work.
• AOV Overstapservice - AOV Migration Service Service where Yezzer manages the entire process of switching an existing disability insurer to a new provider on behalf of the customer.

Quantifiable outcome

• Customers can save up to 40% by comparing multiple insurers versus single-insurer products.
• +2 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• BunqminorGTM or Marketing PartnerBunq integrates Yezzer's insurance solutions for its customer base. Bunq is a Dutch neobank targeting freelancers and self-employed entrepreneurs.
• TeunminorGTM or Marketing PartnerTeun is a partner platform integrating Yezzer's insurance offerings for its entrepreneur customer base.
• OneFellowminorGTM or Marketing PartnerOneFellow is a partner platform that provides Yezzer insurance solutions to its entrepreneur members/customers.
• ZoofyminorGTM or Marketing PartnerZoofy is a partner platform integrating Yezzer's insurance offerings for its tradespeople and service business customers.
• Yellow WalnutcoreOthersYellow Walnut is the parent company and ecosystem behind Yezzer. Yezzer is a 'Yellow Walnut original company.' Yellow Walnut was set up by entrepreneurs for entrepreneurs. Other Yellow Walnut companies include Boostz (premium subscriptions), GrowthClass (growth programs), and Yellow Walnut Legal (legal advice).
• BoostzcoreGTM or Marketing PartnerBoostz Premium subscription (worth €249/year) is gifted to Yezzer customers. Boostz provides webinars, challenges, quarterly goal sessions, and live intervision sessions in Amsterdam for entrepreneurs. Additionally, Boostz offers preventive content services for Yezzer's partner ecosystem.
• GrowthClassminorGTM or Marketing PartnerYezzer customers receive discounts on GrowthClass growth programs — 3-month programs working with mentors and experts on business growth, alongside other entrepreneurs.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Pricewise: Pricewise is a Dutch comparison platform covering energy, insurance, and financial products. It directly overlaps with Yezzer in commercial and personal insurance comparison and targets similar Dutch consumers and small businesses.
• Overstappen.nl: Overstappen.nl is a Dutch comparison and switching service for insurance, energy, and telecom products. It shares Yezzer's 'switching-and-saving' value proposition in the Dutch SME insurance market.
• Independer: Independer is the largest Dutch insurance comparison platform, aggregating life, health, and non-life insurance products. It operates the same core aggregator-and-brokerage model as Yezzer and directly competes for the same Dutch SME and consumer market.
• Dime (TKH): Dime is a Dutch price comparison site covering insurance and financial services, serving consumers and small businesses in the Netherlands. It competes in the same aggregator category as Yezzer.
• Geld.nl: Geld.nl is a Dutch financial product comparison platform with a strong insurance vertical. It overlaps directly with Yezzer in the Dutch insurance aggregator space and offers similar independent advisory services.
• Verzekeringssite.nl: Verzekeringssite.nl is a Dutch insurance comparison website offering side-by-side comparisons from multiple insurers, including business insurance categories. It competes for the same Dutch SME/ZZP insurance comparison demand as Yezzer.

Broad incumbents

• Check24: Check24 is Germany's largest multi-vertical comparison platform with a strong insurance vertical. It is comparable as a broader market-leading European aggregator where Yezzer could face cross-border competitive pressure or partnership opportunities.
• Aon Netherlands: Aon is a global insurance and risk brokerage serving Dutch businesses including SMEs and ZZP'ers. It is comparable as a broader incumbent broker that Yezzer competes against for the Dutch small-business insurance distribution market.

Emerging players

• Hepster: Hepster is a B2B embedded insurance infrastructure provider enabling platforms to integrate insurance products via API. It is comparable to Yezzer's white-label/embedded partner platform addressing the same platform-driven distribution opportunity.
• InShare: InShare is a European digital insurance broker targeting SMEs and freelancers, offering a digital-first multi-carrier comparison and broking experience. It is comparable to Yezzer's freelance/SME-focused digital offering, albeit operating in other European markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Yezzer