Dansk Erhvervsassurance

What Dansk Erhvervsassurance does

Dansk Erhvervsassurance ApS is a Danish independent insurance brokerage founded in 2014, headquartered in Ringe, Denmark. The firm operates through three locations on the island of Funen and serves business clients nationwide, with a stated sub-10-person team led by principal broker Fini Schaldemose. Its core offering is insurance brokerage (forsikringsmægler) — sourcing optimal coverage-and-price combinations from a network of over 30 Danish and foreign insurance carriers — complemented by a suite of integrated service modules including Controller (policy review), Risk Management, Insurance Tendering, Damage Claims Handling, Damage Advisory, Damage Prevention, and Storm Damage Guidance.

The firm generates revenue through an annual consulting fee (subscription) and upfront pricing for discrete insurance tender projects. By Danish law, independent brokers are prohibited from receiving commissions from insurers; the firm leans into this structure as a trust differentiator, emphasizing empathy-driven advisory, no sales targets, and work-life-balance culture. Customer segments span commercial and industrial businesses, property owners, contractors, art/museums, private schools, residential facilities, goldsmiths, and transport companies — a deliberately vertical-diversified SMB book.

Operationally, the firm relies on third-party SaaS for digital delivery: an OpusPro-powered customer portal provides policy overview and document access, while B2BDoc.net is used for damage reporting, health-insurance enrollment, and secure document transfer. No proprietary technology, AI/ML capabilities, patents, or disclosed funding rounds are present in the data. The firm's expansion posture is incremental — adding service modules to existing accounts and extending advisory reach nationwide from its Funen base — rather than growth via M&A, capital raises, or geographic displacement.

Name

Dansk Erhvervsassurance

Legal name

Dansk Erhvervsassurance ApS

Website

https://danskerhvervsassurance.dk

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Dansk Erhvervsassurance is a Danish independent insurance brokerage founded in 2014, serving SMBs nationwide from three Funen locations. It sources optimal coverage from 30+ insurers via annual consulting fees, with no commission income by law.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

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

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

akta.pro secondary industries

Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Enterprise Risk Management (ERM) Advisory (BPAHAFAA)

Keywords

• Commercial insurance brokerage
• Business insurance advisory
• Risk management consulting
• Insurance claims handling
• Damage prevention services

Headquarters

HQ city

Ringe

HQ country

Denmark

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Annual Consulting Fee: The company charges an annual honorarium for their consulting services. They do not receive commission from insurance companies (this is required by law as an independent broker). When conducting insurance tenders, pricing is agreed upon in advance. Insurance companies typically reduce insurance prices when customers are served via insurance brokers, which can offset or partially cover their annual fee, resulting in minimal or no additional cost to customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Dansk Erhvervsassurance ApS is an independent insurance brokerage that finds optimal commercial insurance solutions for Danish businesses by navigating the insurance market to identify insurers offering the best combination of coverage and price. The firm complements brokerage with controller (policy review), risk management, insurance tendering, claims handling, damage advisory, and damage prevention services for commercial, industrial, property, contractor, art/museum, school, residential facility, goldsmith, and transport sector clients.

Product overview

Dansk Erhvervsassurance is an independent insurance brokerage offering a unified suite of professional services for commercial clients. The core offering is insurance brokerage (forsikringsmægler), complemented by integrated service modules including Controller (policy review), Risk Management (risikostyring), Insurance Tendering (udbud), Damage Claims Handling (skade), Damage Advisory (skaderådgivning), Damage Prevention (skadeforebyggelse), and Storm Damage Guidance (vejledning stormskade). Customers access services through a Customer Portal, with supplementary offerings in Ongoing Service and Information Meetings. The company collaborates with over 30 Danish and foreign insurance companies to find optimal coverage solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Insurance Brokerage Services (Forsikringsmægler) Independent insurance brokerage that finds optimal insurance solutions by navigating the insurance market to identify the insurer offering the best combination of coverage and price for each business, supported by a network of over 30 Danish and foreign insurers.
• Insurance Tendering (Udbud) Service that collaborates with customers to define insurance needs, prepares tender materials, requests quotes from insurers, reviews offerings, and recommends the optimal coverage and price combination.
• Damage Claims Handling (Skade) Service assisting customers with filing damage claims to insurers, monitoring the process, and helping them obtain the compensation they are entitled to.
• Damage Reporting (Skadeanmeldelse) Online damage reporting service through B2BDoc.net allowing customers to file insurance claims directly, with phone or email reporting as alternative channels.
• Damage Advisory (Skaderådgivning) Independent assessment of whether a damage claim has been correctly handled, providing an unbiased evaluation when the customer disagrees with coverage denial or compensation amount.
• Damage Prevention (Skadeforebyggelse) Advisory service on damage prevention measures covering fire, theft/burglary, water damage, storm damage, and workplace injuries, with actionable recommendations for customers.
• Storm Damage Guidance (Vejledning Stormskade) Guidance on handling storm damage, including damage limitation steps, documentation requirements, and proper claims filing procedures.
• Customer Portal (OpusPro) Online portal providing customers with an overview of active insurance policies and documents, accessible via the OpusPro customer portal at portal.danskerhvervsassurance.dk / portal.opuspro.dk.
• Health Insurance Enrollment / De-enrollment Service Service managing the enrollment and de-enrollment of employees in company health insurance schemes via B2BDoc.net.
• Secure Document Transfer Service Secure document transfer service via B2BDoc.net that enables customers to securely submit documents to the firm.

Named customers2 records

Segments8 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Partnerships

One partnership is on record.

• Over 30 Danish and Foreign Insurance Companies and AgenciescoreOthersDansk Erhvervsassurance works with over 30 Danish and foreign insurance companies and agencies. This extensive network allows them to find insurance solutions that most customers are not aware of, providing access to diverse coverage options and competitive pricing through their partner insurers. The company operates as an independent broker without receiving commission from these insurers, as required by Danish law.

Scale indicators2 records

Recent moves4 records

Expansion highlights5 records

Broad incumbents

• Howden Denmark: Global specialty insurance broker with a Danish presence serving commercial and corporate clients across P&C lines. Comparable as a competing brokerage channel in Denmark but operates at significantly larger scale and broader portfolio.
• Aon Denmark: Global insurance and reinsurance broker with Danish operations offering risk management, brokerage, and advisory services for commercial clients. Comparable buyer set (Danish businesses seeking P&C and specialty cover) but vastly larger scale and product breadth.
• Marsh Denmark: Global insurance broker and risk advisor with a Danish office serving mid-market and enterprise commercial clients. Comparable as a competing channel for the same SMB/mid-market commercial insurance buyer but with significantly broader capabilities and scale.
• Willis Towers Watson Denmark: Global advisory, broking, and solutions firm with Danish operations covering commercial insurance brokerage and risk advisory. Comparable to Dansk Erhvervsassurance on the commercial insurance buyer side but with global institutional scale and a much wider service portfolio.

Direct peers

• Söderberg & Partners: Swedish-founded Nordic insurance broker and financial advisory group with an independent, fee-based advisory model serving commercial clients across multiple niches. Highly comparable to Dansk Erhvervsassurance in its non-commission, advisory-led positioning and Nordic SMB focus.
• RiskPoint Insurance Brokers: Nordic specialty insurance broker focused on niche and complex commercial risks, with multi-carrier placement capabilities. Comparable to Dansk Erhvervsassurance in its independent Nordic broker identity, multi-carrier access, and SMB/mid-market commercial orientation.

Regional players

• Gjensidige Forsikring (Denmark): Norwegian-headquartered insurer with Danish operations distributing commercial and consumer P&C insurance. Comparable in that it competes for Danish SMB commercial insurance wallets, though as an insurer-distributor hybrid rather than a pure independent broker.
• Tryg Forsikring (Denmark): Major Scandinavian insurer with a Danish operation writing commercial and consumer P&C policies directly and via brokers. Comparable in that it sits on the carrier side of the same SMB commercial insurance pool Dansk Erhvervsassurance pulls placements from.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/danskerhvervsassurance

Compliance2 records

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 Dansk Erhvervsassurance