SuperGarant Insurance
SuperGarant Verzekeringen is a Dutch specialized insurance intermediary and underwriting agency serving SMB retailers across 15+ verticals through co-branded partnerships with branch associations, offering turnover-linked business, liability, cyber, AOV, and occupational health products.
- Company typePrivate
- Founded1985
- HeadquartersLeidschendam, Netherlands
- Headcount101–250
- GTM typeB2B
- OfferingServices
What SuperGarant Insurance does
SuperGarant Verzekeringen BV is a Dutch specialized insurance intermediary and underwriting agency serving small and medium-sized retail businesses across the Netherlands. Founded in 1985 by retail veteran Leo Mineur, the company operates from Leidschendam and is privately held within D&S Holding B.V., the distribution and services division of a.s.r. (ASR Nederland N.V.). It underwrites via its wholly-owned volmacht subsidiary SuperGarant Assuradeuren BV and delivers occupational-health and absence-management services through the certified arbodienst SuperGarant Zorg BV. Its core product is the SuperGarant Bedrijfspolis, a turnover-linked business insurance policy that auto-adjusts coverage and reconciles annually, complemented by shop, liability, professional indemnity, directors and officers, business equipment, cyber (via Hiscox), disability (AOV), and collective health insurance lines.
Distribution is anchored by exclusive-style partnerships with more than fifteen Dutch retail branch associations (VBW, AVN, Dibevo, KNS, VNV, Vakcentrum, NBPW, NSV, Poeliersbond and others) and franchise and purchasing organizations (Albert Heijn Franchise, Boon, Emt\u00e9, Etos, Gall & Gall), with co-branded "Risk" products and ZorgPortalen (branch-branded absence-management portals) per vertical. The ZorgPortalen platform connects 3,500+ shops and bundles occupational health, salary continuation, reintegration, healthcare costs, and WIA administration, with 100% reimbursement for interventions and second-track reintegration trajectories. The go-to-market is sales-led and relationship-driven, relying on direct office and field visits, association referrals, and a sister-company channel (ZZP Nederland) for freelancer AOV. Revenue is generated primarily through recurring insurance premiums and intermediary commissions, with managed-services revenue from policy administration and claims handling under the volmacht arrangement; pricing is quote-based and not publicly disclosed.
SuperGarant Insurance firmographics
Firmographics- Name
- SuperGarant Insurance
- Legal name
- SuperGarant Verzekeringen BV
- Website
- https://supergarant.nl
- Company type
- Private
- Founded year
- 1985
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- SuperGarant Verzekeringen is a Dutch specialized insurance intermediary and underwriting agency serving SMB retailers across 15+ verticals through co-branded partnerships with branch associations, offering turnover-linked business, liability, cyber, AOV, and occupational health products.
- Ownership category
- akta.pro rank
SuperGarant Insurance industry classification
Industry- Product category
- Specialty Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411), Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Mid-Market Commercial Package (Package Policies) (FSAJAFAB)
- akta.pro secondary industry
- Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)
Keywords
Where SuperGarant Insurance is headquartered
LocationHeadquarters
- HQ city
- Leidschendam
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
SuperGarant Insurance business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Insurance Premiums: SuperGarant generates revenue through insurance premiums from business policies. They act as an intermediary (tussenpersoon) for various insurance products including shop insurance, liability insurance, cyber insurance, and absence management insurance. Premiums are calculated based on turnover and business risk factors
- Business Policy Administration: The SuperGarant Bedrijfspolis is related to business turnover and is reconciled annually. The company processes claims and provides ongoing policy administration services
- Disability Insurance (AOV): Disability insurance products for entrepreneurs, offered through sister company ZZP Nederland, providing income protection in case of occupational disability
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | SuperGarant Bedrijfspolis - Turnover-linked business insurance |
| Subscription | Annual | Collective Health Insurance - Up to 20% discount |
| Subscription | Monthly | Mandatory Basic Disability Insurance (BAZ) - Estimated rates |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
SuperGarant Insurance product offering
Product offeringCore offering
SuperGarant Verzekeringen is a Dutch insurance specialist and underwriting agency that designs, distributes, and administers branch-specific insurance products for SMB retail businesses (MKB detailhandel). Through its intermediary and volmacht operations, it issues business insurance policies (including the turnover-linked Bedrijfspolis), cyber, liability, professional indemnity, directors and officers, business equipment, mobile shop, disability (AOV), occupational health/absence, and collective health insurance cover, paired with branch-branded ZorgPortalen for absence management and reintegration.
Product overview
SuperGarant Insurance is a specialized insurance intermediary and underwriting company for Dutch retail businesses, operating since 1985. The company offers a portfolio of insurance products through multiple sub-brands targeting specific retail sectors. The core offering includes the SuperGarant Bedrijfspolis (business insurance policy linked to turnover) and specialized coverage including cyber insurance, liability insurance, occupational health services, and health insurance. The company operates sub-brands including VBW Risk (florists), Beon Risk (bakers), AVN Risk (greengrocers), Dibevo Risk (pet stores), and VNV Risk (fish specialists), each offering branch-specific policies and branded ZorgPortalen for absence management. The SuperGarant Assuradeuren platform handles underwriting and claims processing for multiple insurers through binding authority arrangements.
Differentiator
Problem solved
Functional benefit
Brands
- VBW ZorgPortaal: Healthcare portal for florists providing absence management, reintegration support, and occupational health services
- Beon ZorgPortaal
- AVN ZorgPortaal
- Dibevo ZorgPortaal
- VNV ZorgPortaal
- Vakcentrum ZorgPortaal
- SAS ZorgPortaal
- NSV ZorgPortaal
- SG ZorgPortaal
Products and services
- SuperGarant Bedrijfspolis (Business Insurance Policy) Turnover-linked all-in-one business insurance policy for Dutch retail shops, providing continuous maximum coverage that automatically adjusts to business changes to prevent underinsurance during peak periods or new investments, with annual premium reconciliation.
- SuperGarant Cyberverzekering Cyber insurance underwritten with Hiscox providing SMB retail customers coverage against hacking, system intrusion, data theft, and business interruption, with 24/7 specialized incident response, forensic investigation, legal defense costs, and crisis management.
- Arbeidsongeschiktheidsverzekering (AOV) Disability insurance protecting entrepreneurs against loss of income due to illness or occupational disability, providing financial security for essential expenses such as mortgage and education costs.
- Arbodienstverlening en Verzuimverzekering Combined occupational health service (arbodienst) and absence insurance providing single-point-of-contact management of the entire sickness absence and reintegration process, including salary continuation, reintegration support, healthcare cost coverage, and WIA administration.
- Beroepsaansprakelijkheidsverzekering (BAV) Professional liability insurance protecting businesses against financial consequences arising from errors made by the business or its employees, such as incorrect advice or calculation errors, including legal defense costs and client claims.
- Bestuurdersaansprakelijkheidsverzekering Directors and officers liability insurance covering directors and managers against legal claims resulting from decisions, negligence, fraud, or violation of legal obligations that cause damage to the company or third parties.
- Werkmaterieelverzekering Business equipment insurance covering damage to or caused by work equipment such as forklifts, tractors, excavators, and trailers, including liability and own-damage coverage.
- Collectieve Zorgverzekering Collective health insurance offering up to 20% discount on supplementary insurance, available to branch association members through the SuperGarant SG ZorgPortaal.
- Rijdende Winkelverzekering Mobile shop insurance for fish specialists (and other retailers) operating from vehicles, with flexible limited or full casco coverage, business damage protection for revenue loss, and automatic inclusion of new investments.
- Eigen Risico Verzekering ZW/WGA Own-risk bearer insurance for Sickness Benefits Act (ZW) and Work and Income Capacity Act (WGA), allowing employers to become their own risk bearer for sickness benefits while SuperGarant manages the reintegration of sick employees.
Quantifiable outcome
- 3,500+ shops use ZorgPortalen for absence management
- +3 more outcomes
Companies that use SuperGarant Insurance
Customer profileNamed customers5 records
Segments9 records
Ideal customer profiles1 record
SuperGarant Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
AI capability1 record
Feature3 records
SuperGarant Insurance partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and flagship.
- a.s.r. (ASR Nederland N.V.)coreSuperGarant is part of D&S Holding B.V., the distribution and services division of a.s.r. (ASR Nederland N.V.). This strategic partnership strengthens SuperGarant's independent position and ability to work with different branches. a.s.r. is one of the largest insurers in the Netherlands.
- HiscoxcorePartnership with Hiscox for cyber insurance products. Hiscox provides 24/7 specialized support teams for cyber incident response, including security professionals, legal experts, and forensic teams. SuperGarant acts as intermediary while Hiscox underwrites cyber risks.
- VBW (Vereniging Bloemist Winkeliers)flagshipVBW is the entrepreneurial branch organization for florists in the Netherlands. VBW Risk, a brand of SuperGarant, was developed specifically for florists. VBW advocates for florists on topics including business operations, good employment practices, green vocational education, and profiling and craftsmanship.
- AVN (Ambachtelijke Versdetailhandel Nederland)flagshipAVN is the branch organization for fresh produce specialists (greengrocers). AVN Risk brand of SuperGarant provides specialized insurance for AGF retailers. AVN works to strengthen the position of entrepreneurs and optimize business operations.
- KNS (Koninklijke Nederlandse Slagers)flagshipKNS is the only branch association for artisan butchers and poultry dealers in the Netherlands. KNS and SuperGarant developed an insurance arrangement tailored to the retail entrepreneur. SuperGarant provides shop insurance and SAS ZorgPortaal for absence management.
- DibevoflagshipDibevo is the branch organization for pet specialists with 83 years of history. Dibevo Risk brand of SuperGarant provides specialized insurance for pet stores. Dibevo helps members maximize their business potential while advocating for animal welfare.
- VNV (Vereniging van Nederlandse Visspecialisten)flagshipVNV is the only national branch organization for fish specialists since 1982. VNV Risk brand of SuperGarant provides specialized insurance including mobile shop coverage for fish retailers. VNV represents fish retail interests with relevant institutions and ministries.
- VakcentrumflagshipVakcentrum is the independent advocate and proven partner for independent retailers in food, non-food, FMCG and franchises. SuperGarant and Vakcentrum developed an insurance arrangement specifically for retail entrepreneurs, covering only necessary risks with quick claims handling.
- NBPW (Nederlandse Brood- en Banketbakkers Ondernemersvereniging)corePartnership with NBPW for artisan bread and pastry bakers. Beon Risk brand of SuperGarant provides specialized insurance with Beon ZorgPortaal for absence management.
- NSV (Nederlandse Schoenmakers Vereniging)coreNSV is the branch association for shoe repair specialists. SuperGarant provides specialized insurance and NSV ZorgPortaal for absence management, advocating for common economic and social interests of members.
- PoeliersbondcorePartnership with Poeliersbond for poultry dealers, providing specialized insurance coverage through SuperGarant.
- ZZP NederlandcoreZZP Nederland is a sister company of SuperGarant and specialist in disability insurance (AOV) for both freelancers (zzp'ers) and employers with staff. Advisors help customers understand AOV options based on their specific situation.
Scale indicators4 records
Recent moves6 records
Expansion highlights7 records
SuperGarant Insurance competitors and assessment
Company assessmentDirect peers
- Univé: Dutch cooperative insurer serving members across personal and commercial lines, with a strong SME and retail footprint. Comparable to SuperGarant for its Dutch regional focus, member-driven distribution, and emphasis on tailored coverage for small businesses.
- Nedasco: Dutch insurance service provider and volmacht offering intermediation and underwriting services to brokers. Comparable to SuperGarant Assuradeuren as a Dutch volmacht/intermediary platform serving the SME insurance market.
- De Goudse Verzekeringen: Dutch mutual insurer focused on SME and retail insurance products, including shop, liability, and disability coverage. Comparable to SuperGarant as a Netherlands-based specialist insurer targeting small and medium-sized businesses with tailored product suites.
- Hiscox Nederland: Specialist insurer for SME and cyber liability. Comparable to SuperGarant for its Dutch SME focus and strong position in cyber insurance — a product SuperGarant distributes but Hiscox underwrites.
Emerging players
- Independer: Dutch insurance comparison platform enabling consumers and SMBs to compare and purchase insurance online. Comparable as a Dutch distribution channel that competes for the same SME retail insurance customer relationships but through a digital comparison model.
- Pricewise: Dutch comparison site for insurance, energy, and financial products. Comparable to SuperGarant for competing Dutch SMB insurance distribution, though focused on price-driven digital channels rather than vertical-specialized advice.
Broad incumbents
- Nationale-Nederlanden: One of the largest Dutch insurers offering broad personal, life, and commercial insurance including SME products. Overlaps with SuperGarant's commercial and disability insurance lines but operates as a much larger incumbent serving multiple segments.
- Allianz Nederland: Large Dutch subsidiary of Allianz offering personal, commercial, and specialty insurance. Comparable as a broad incumbent offering SME shop, liability, and disability insurance, though not specialized in retail verticals the way SuperGarant is.
- Aegon Nederland: Major Dutch insurer (now part of a.s.r. group) offering life, health, and commercial coverage including disability (AOV). Comparable as a broad Dutch insurer with overlapping disability and group health offerings through SuperGarant's parent ecosystem.
Others
- CZ Zorgverzekering: Major Dutch health insurer offering collective health insurance arrangements with employer and association groups. Comparable to SuperGarant's Collectieve Zorgverzekering product (offered via SG ZorgPortaal) for collective health insurance distribution to association members.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
SuperGarant Insurance social profiles
Digital presenceSuperGarant Insurance compliance and trust
Trust signalCompliance6 records
SuperGarant Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
SuperGarant Insurance leadership team
Management profileNumber of profiles
Profiles1 record
SuperGarant Insurance subsidiaries and ownership
Company hierarchySubsidiaries2 records
SuperGarant Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SuperGarant Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about SuperGarant Insurance
What does SuperGarant Insurance do?
SuperGarant Verzekeringen is a Dutch insurance specialist and underwriting agency that designs, distributes, and administers branch-specific insurance products for SMB retail businesses (MKB detailhandel). Through its intermediary and volmacht operations, it issues business insurance policies (including the turnover-linked Bedrijfspolis), cyber, liability, professional indemnity, directors and officers, business equipment, mobile shop, disability (AOV), occupational health/absence, and collective health insurance cover, paired with branch-branded ZorgPortalen for absence management and reintegration.
Is SuperGarant Insurance a public or private company?
SuperGarant Insurance is a private company. It is classified as corporate owned and is currently operating.
When was SuperGarant Insurance founded?
SuperGarant Insurance was founded in 1985. It employs 101 to 250 people.
Where is SuperGarant Insurance based?
SuperGarant Insurance is headquartered in Leidschendam, Netherlands, in the Europe region.
How does SuperGarant Insurance make money?
Three revenue lines are on record. Insurance Premiums are the primary driver. The others are business Policy Administration and disability Insurance (AOV).
Who are SuperGarant Insurance's main competitors?
Direct peers on record are Univé, Nedasco, De Goudse Verzekeringen and Hiscox Nederland. Emerging players are Independer and Pricewise. Broad incumbents are Nationale-Nederlanden, Allianz Nederland and Aegon Nederland. CZ Zorgverzekering is listed as an others.
Does SuperGarant Insurance have an API?
No public API is recorded for SuperGarant Insurance.
What industry is SuperGarant Insurance in?
SuperGarant Insurance's product category is Specialty Insurance Brokerage. Its primary akta.pro industry code is FSAJAFAB, Mid-Market Commercial Package (Package Policies), with a secondary code of FSAEADAJ, Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines). Its NAICS code is 52421 and its SIC code is 6411.