De Zeeuwse

What De Zeeuwse does

De Zeeuwse (legal name: De Zeeuwse Verzekeringen) is a Dutch cooperative/mutual insurance company founded in 1939 and headquartered in Middelburg, Zeeland. Since 2024 it has operated as a wholly-owned subsidiary of De Goudse, a larger Dutch insurance group, while retaining the De Zeeuwse brand and regional operating identity. The company reports approximately €130 million in gross premium income and serves private individuals, SMB businesses, agricultural enterprises, hippic/equestrian businesses, garage/automotive companies, and entrepreneurs/zzp'ers across Zeeland (primary) and nationally for its specialized agricultural and hippic niches.

The product portfolio spans schadeverzekeringen (property and casualty insurance, including bedrijfsaansprakelijkheidsverzekering, beroepsaansprakelijkheidsverzekering, bedrijfsgebouwen, inventaris/goederen, elektronica, money, glass, motor vehicles, cargo, legal expenses, and event coverage) and inkomensverzekeringen (income protection, including Ondernemers-AOV, verzuimverzekering Optimaal, WGA and WIA self-risk, and statutory illness self-risk). Underlying technology consists of standard insurance IT systems — policy administration, claims processing, and the Mijn Zeeuwse Adviseurs / Mijn Zeeuwse portals — with no disclosed proprietary platforms, AI/ML capabilities, or external APIs. Distribution is exclusively through a postcode-searchable network of independent (onafhankelijke) insurance advisors; no direct online purchase pathway exists.

Revenue is generated through recurring insurance premiums billed annually or monthly, with package discounts of up to 10% when multiple products are bundled under CompleetVerzekerd Mijn Bedrijf (SMB) or Privé Pakket Online (personal) packages. Pricing is quote-based and not publicly disclosed, varying by coverage limits, turnover, employee headcount, average age, and absence rates. The company is led by Directeur Edwin Ganzeman and operates with a small internal team (11–50 employees), outsourcing sales and customer acquisition to its independent advisor channel while receiving delivery support from partners such as ArboNed, Perspectief, and Brandmeester Advocaten en Juristen (BrandMR).

Name

De Zeeuwse

Legal name

De Zeeuwse Verzekeringen

Website

https://dezeeuwse.nl

Company type

Private

Founded year

1939

Operating status

Operating

Headcount range

11–50 employees

Short description

De Zeeuwse is a Dutch regional insurance cooperative (founded 1939, Middelburg/Zeeland) providing property, casualty, and income-protection policies to private individuals, SMBs, and agricultural, hippic, and garage businesses, distributed exclusively through independent advisors.

Ownership category

akta.pro rank

Product category

Regional Insurance (Property and Casualty)

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers (5241)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

General Liability Insurance (FSAJAMAE)

akta.pro secondary industries

Contractors BOP / Artisan Package (FSAJAFAD), Environmental / Pollution Liability (FSAJAGAF)

Keywords

• Property and casualty insurance
• Agricultural insurance products
• Income protection insurance
• Independent insurance advisors
• Small business insurance

Headquarters

HQ city

Middelburg

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

Revenue model

1. Insurance Premiums (Schadeverzekeringen): De Zeeuwse generates revenue through property and casualty insurance (schadeverzekeringen) including business liability, building, inventory, electronics, money, glass, motor vehicle, cargo, legal expenses, and event insurance. Premiums are collected from SMB businesses, agricultural enterprises, hippic businesses, garage businesses, and private individuals.
2. Income Insurance (Inkomensverzekeringen): Revenue is generated through income protection insurance including occupational disability insurance (AOV) for entrepreneurs, absence management insurance (verzuimverzekering), WGA self-risk insurance, WIA insurance, and statutory illness (ZW) self-risk insurance. Premiums are collected annually or through regular payment arrangements.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

De Zeeuwse is a regional Dutch insurance company that sells property and casualty insurance (schadeverzekeringen) and income protection insurance (inkomensverzekeringen) to SMBs, agricultural enterprises, hippic (equestrian) businesses, garage businesses, entrepreneurs, and private individuals. Products cover business liability, professional liability, legal expenses, business continuity, buildings, inventory, vehicles, events, livestock, and absence management. Distribution is exclusively through a network of independent insurance advisors providing personalized risk analysis and custom insurance packages.

Product overview

De Zeeuwse offers insurance products including Verzuimverzekering Optimaal (income/absence insurance), with arbodienst (occupational health service) partners ArboNed and Perspectief integrated into its absence management offerings. The source data does not provide sufficient detail to enumerate a structured product portfolio.

Differentiator

Problem solved

Functional benefit

Products and services

• Bedrijfsaansprakelijkheidsverzekering (Business Liability Insurance) Coverage for business liability claims for SMB businesses across industries. Options for €2,500,000 or €5,000,000 per claim, with deductibles varying by industry (no deductible for most industries; €250 for construction; €100 for hospitality and medical professions).
• Beroepsaansprakelijkheidsverzekering (Professional Liability Insurance) Professional liability coverage for service businesses such as advertising agencies and management consultancies. Pricing depends on coverage amount, turnover, and deductible.
• Rechtsbijstandverzekering (Legal Expenses Insurance) Legal expenses insurance for businesses and individuals, providing legal advice, representation, and proceedings via partner Brandmeester Advocaten en Juristen B.V. (BrandMR). Pricing varies by business type and turnover.
• Bedrijfscontinuïteit (Business Continuity Insurance) Suite of business continuity products covering financial losses from business interruption, including Bedrijfsschadeverzekering (business interruption), Extra Kostenverzekering (extra costs), CAR- en Montageverzekering (construction all-risk), and Milieuschadeverzekering (environmental damage).
• Bedrijfspand en Inventaris (Business Property and Inventory Insurance) Coverage for business buildings, inventory/goods, electronics, cash, and glass. Sub-products include Bedrijfsgebouwenverzekering, Inventaris/Goederenverzekering, Elektronicaverzekering, Geldverzekering, and Glasverzekering.
• Verkeer en Vervoer (Traffic and Transport Insurance) Commercial vehicle and transport insurance for businesses covering passenger cars, vans, motorcycles, trucks, transport of own goods, trailers, employee traffic damage, and work equipment.
• Evenementenverzekering (Event Insurance) Continuous event insurance (Doorlopende Evenementenverzekering) covering business events.
• Ondernemers-AOV (Entrepreneur Disability Insurance) Occupational disability insurance (AOV) for entrepreneurs, including sole proprietors (zzp'ers), partners, and director-major shareholders (dga's). Includes mandatory AOV exemption services and voluntary disability insurance.
• Verzuimverzekering Optimaal (Absence Management Insurance) Absence management insurance for employers covering employee sick leave costs, with integrated occupational health services (arbodienst) partnerships with ArboNed and Perspectief. Premium depends on number of employees, average age, and absence rate.
• Agrarische Verzekeringen (Agricultural Insurance) Specialized agricultural insurance covering farm buildings, equipment, livestock (Rundveeverzekering), agrarian liability, legal expenses, business continuity, and agricultural machinery transport. Delivered with dedicated acceptance teams and field inspection services.
• Hippische Verzekeringen (Equestrian Insurance) Specialized equestrian insurance covering buildings, equipment, liability, legal expenses, and transport for horse-related businesses and professionals such as riding schools, stud farms, and horse professionals. Delivered with specialist hippic advisors.
• Garageverzekeringen (Garage / Automotive Insurance) Insurance products for automotive repair shops, workshops, and agricultural mechanization businesses, including garage-specific liability, trading stock coverage (Handelsvoorraadverzekering), and motor vehicle insurance.
• Particuliere Verzekeringen (Personal Insurance Package) Personal insurance product line for private individuals and families covering home contents, buildings, liability, legal expenses, accidents, travel, car, caravan, motorcycle, and horse-related coverage. Privé Pakket Online bundle with up to 10% package discount.

Quantifiable outcome

• Package discount up to 10% when combining multiple insurance products
• +1 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• De GoudsecoreOthersDe Zeeuwse is a wholly-owned subsidiary (dochteronderneming) of De Goudse. The companies share a joint recruitment process. De Goudse is a larger Dutch insurer based in Gouda. Joint career pages and application processes are managed under De Goudse's branding.
• ArboNedcoreImplementation/ SI/ Consulting PartnerArboNed is one of two occupational health service (arbodienst) partners that De Zeeuwse works with for absence management insurance. They provide occupational health services and collaborate with De Zeeuwse's Absence and Prevention Specialists.
• PerspectiefcoreImplementation/ SI/ Consulting PartnerPerspectief is one of two occupational health service (arbodienst) partners that De Zeeuwse works with for absence management insurance. They provide occupational health services and collaborate with De Zeeuwse's Absence and Prevention Specialists.
• Brandmeester Advocaten en Juristen B.V. (BrandMR)coreStrategic or Co-development PartnerBrandMR provides legal services for De Zeeuwse's legal expenses insurance (rechtsbijstandverzekering). They offer free legal advice, legal representation, and handle legal proceedings for policyholders. This is an exclusive partnership for legal services.
• Independent Insurance Advisors (Onafhankelijke Adviseurs)coreChannel Partner/ Reseller/ DistributorDe Zeeuwse works exclusively with independent insurance advisors who provide localized advisory services to customers. These advisors are selected by De Zeeuwse and receive training/product information to sell and service De Zeeuwse insurance products. The advisor network is searchable by postcode.
• Wijzer in GeldzakenminorOthersDe Zeeuwse participates in the Wijzer in Geldzaken initiative (managed by the Dutch insurance industry association Verbond van Verzekeraars), which provides consumer financial education resources.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• InShared: Dutch digital-first P&C insurer (Achmea-owned) targeting consumers with low-cost online coverage. Comparable product overlap in home and motor insurance, contrasting distribution strategy.
• FBTO: Achmea-owned direct/digital Dutch insurer focused on personal lines. Differentiated by direct online distribution versus De Zeeuwse's advisor model, but overlapping in personal P&C coverage.

Regional players

• Voogd & Voogd: Dutch insurance intermediary group providing P&C and employee benefits solutions via brokers in the Netherlands. Comparable in advisor-led distribution serving SMBs and corporate clients.

Direct peers

• Univé: Dutch cooperative insurer operating regionally with independent advisor distribution, serving SMBs, agricultural, and private customers. Closely mirrors De Zeeuwse's mutual/cooperative structure and regional advisor-led model.
• De Goudse: Parent company of De Zeeuwse and a Dutch insurance group offering life, disability, and P&C insurance through independent advisors. Directly comparable as a Dutch regional insurer with an advisor-driven distribution model and SMB focus.

Broad incumbents

• ASR Nederland: Large Dutch insurance group (life, P&C, disability) with national reach and direct/advisor hybrid distribution. Comparable as a P&C and income protection carrier operating in the Dutch market.
• Nationale-Nederlanden: Major Dutch insurer (part of NN Group) providing P&C, life, and pension products to consumers and businesses. Overlapping coverage in property, liability, and income protection.
• Interpolis: Achmea-owned Dutch insurer offering P&C and income protection products to individuals and SMBs. Comparable product mix and target segments, but part of a much larger national group.
• Allianz Nederland: Dutch arm of global insurer Allianz, offering P&C and life products through advisors and direct channels. Comparable P&C product set serving Dutch SMBs and individuals.
• Centraal Beheer: Achmea subsidiary offering P&C, income, and business insurance in the Netherlands. Comparable in product breadth and SMB focus, with significantly larger scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/DeZeeuwseVerzekeringen
• LinkedInlinkedin.com/company/de-zeeuwse-verzekeringen
• Instagraminstagram.com/dezeeuwse

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 De Zeeuwse