BSB Volmachten

What BSB Volmachten does

BSB Volmachten B.V. is a Dutch gevolmachtigd agent (authorized underwriting agent) headquartered in Geleen, Netherlands, founded in 1993 and operating as part of D&S Holding B.V., the distribution and services arm of ASR Nederland N.V. (a.s.r.). The company holds underwriting mandates from approximately 20 insurance carriers, including Allianz, a.s.r., Hiscox, NN, Goudse, Markel, HDI, AIG, DAS, Arag, and several others, and performs on behalf of those insurers the full operating chain: quoting, underwriting acceptance, policy administration, premium collection (incasso), claims handling, and automatic renewal (prolongatie). BSB does not sell directly to consumers; its customers are independent financial advisors who access BSB's underwriting capacity through the BSBnet platform (being replaced by BSBconnect) and its integrated modules - Bedrijventool for commercial lines, Particuliere Tool for personal lines, Inkomentool and AOV-tool for income protection, a Bonus-Malus calculator, a white-label end-customer portal, and a mobile WebApp. Distribution is exclusively via approximately 200 advisors operating across more than 100 advisor offices in the Netherlands.

The core product surface is a multi-carrier B2B extranet that consolidates 24 commercial insurance products from 14 volmacht providers behind standardized quoting and binding workflows, with package discount logic (up to 10%) applied through the Optimaal Pakket offering. BSB monetizes through per-package service fees (€1.65 to €2.75 per package depending on line and pricing period) charged to advisors plus commission and fee income from insurers for policy administration and claims services, with €6 annual surcharges for advisors opting into paper mail delivery. Recent platform investments include a new backoffice system, a Hiscox-led cyber and D&O mandate added in October 2023, and BSBconnect extranet rollout in 2024-2025. The firm employs 11-50 staff and operates solely in the Netherlands.

Name

BSB Volmachten

Legal name

BSB Volmachten B.V.

Website

https://bsbvolmachten.nl

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

BSB Volmachten is a Dutch gevolmachtigd agent that holds underwriting mandates from ~20 insurers and provides independent financial advisors with a multi-carrier platform for quoting, binding, administering, and servicing commercial and personal insurance policies in the Netherlands.

Ownership category

akta.pro rank

Product category

Insurance Intermediation Services

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

Keywords

• Insurance intermediary services
• Underwriting mandate agency
• Commercial insurance distribution
• Claims administration services
• Policy administration platform

Headquarters

HQ city

Geleen

HQ country

Netherlands

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. Service Fee (Servicebijdrage): BSB charges a service fee per insurance package or individual policy. This fee covers the maintenance and development of their systems and tools, and supports efficient distribution of financial products and customer service.
2. Insurance Administration Services: As a gevolmachtigd agent, BSB earns commission from insurance companies for policy administration, premium collection, and claims handling performed on behalf of insurers.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

BSB Volmachten operates as a gevolmachtigd agent (authorized agent) for 19+ insurance companies, performing insurance underwriting, policy administration, claims handling, and premium collection on behalf of those insurers for the account and risk of those insurers. These services are delivered to nearly 200 independent financial advisors in the Netherlands through the BSBnet digital platform, which provides tools for calculating, quoting, binding, and managing insurance portfolios across personal and commercial lines.

Product overview

BSB Volmachten operates as a volmacht (underwriting mandate) insurance intermediary offering a unified B2B platform for financial advisers. Its core offering is the BSBnet/B罩connect portal — a platform that provides multiple integrated modules: the Bedrijventool (24 commercial insurance products), Particuliere Tool (personal lines), Inkomentool (disability/absence insurance), AOV-tool (individual income insurance), Bonus Malus Calculator, Eindklantenportaal (white-label customer portal), and WebApp (mobile customer-facing app). These tools are distributed through nearly 200 independent financial advisers who sell BSB-underwritten policies to business and personal lines customers. Two named insurance packages — Optimaal Pakket Zakelijk and Optimaal Pakket Particulier — bundle coverages for end customers. A recent addition is the CyberClear by Hiscox cyber insurance product, now available through the Bedrijventool under BSB's Hiscox mandate.

Differentiator

Problem solved

Functional benefit

Brands

• BSBnet: Portal with tools for financial advisors to manage client portfolios, calculate premiums, and process insurance applications
• BSBconnect
• Bedrijventool
• Particuliere Tool
• Inkomentool
• AOV-tool

Products and services

• BSBnet Primary B2B portal and online platform for financial advisers that provides tools for managing commercial and personal insurance portfolios, including policy administration, premium calculations, claims management, and commission tracking. Serves as the principal interface through which advisers interact with BSB Volmachten's full range of insurance products from 19+ insurers.
• BSBconnect New extranet providing a consolidated interface with all tools and documents advisers need, better integrated with back-office and front-end systems, replacing the legacy BSBnet portal as part of BSB's digital transformation.
• Bedrijventool (Business Tool) Online tool enabling advisers to calculate, compare, quote, and bind commercial insurance policies. Provides access to 24 different commercial insurance products across 14 volmacht (mandated underwriting) carriers with standard premium calculations and digital policy issuance.
• Inkomentool (Income Tool) Income protection comparison and quoting tool that allows advisers to compare premiums and conditions of multiple disability and absence insurance providers (a.s.r., Avéro Achmea, Elipslife, De Goudse, Nationale-Nederlanden, Nedasco, Quantum Leben) in one platform, with a premium indication feature delivering results within one minute.
• AOV-tool (Occupational Disability Insurance Tool) Individual income insurance (AOV) tool for comparing, quoting, and binding disability income policies from nine providers (AEGON, Avéro Achmea, Movir, a.s.r., De Goudse, Allianz, TAF, Klaverblad, Interpolis) through a single online platform, including a standard advisory report.
• Particuliere Tool (Personal Lines Tool) Module within BSBnet for comparing, quoting, and managing personal lines (particulier) property and casualty insurance across multiple insurers. Includes online claims reporting, portfolio history, and a CRM system for managing external policies and documents.
• Optimaal Pakket Zakelijk (Optimal Business Package) Bundled commercial insurance package offering all business coverages under a single policy, single account, and up to 10% package discount. Sold via independent advisers using the Bedrijventool for coverage comparison and submission.
• Optimaal Pakket Particulier (Optimal Personal Package) Bundled personal insurance package combining coverage from multiple insurers (e.g., a.s.r., Allianz, De Goudse) under one policy and account, accessible via the Particuliere Tool within BSBnet.
• CyberClear by Hiscox Cyber and data risk insurance product covering consequences of hacking, system intrusion, data loss, data theft, and other forms of cybercrime, including incidents caused by human error. Available through BSB's Bedrijventool for businesses with turnover up to €25 million. Claims handling is managed by Hiscox directly.

Named customers3 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

23 partnerships are on record, tiered core and minor.

• AllianzcoreChannel Partner/ Reseller/ DistributorBSB operates as gevolmachtigd agent (authorized agent) for Allianz, offering their insurance products through independent advisors.
• a.s.r.coreChannel Partner/ Reseller/ DistributorBSB holds volmacht (authorization) from a.s.r. for income and other insurance products. a.s.r. is the parent company through D&S Holding.
• HiscoxcoreChannel Partner/ Reseller/ DistributorHiscox granted BSB volmacht for cyber and data risk insurance (CyberClear) as well as professional liability and Directors & Officers liability insurance. This is BSB's first cybervolmacht.
• AragcoreChannel Partner/ Reseller/ DistributorBSB operates as gevolmachtigd agent for Arag legal expenses insurance.
• Nationale Nederlanden (NN)coreChannel Partner/ Reseller/ DistributorBSB offers income protection insurance from Nationale Nederlanden through their Inkomentool.
• GoudsecoreChannel Partner/ Reseller/ DistributorBSB offers commercial and income insurance from Goudse through their volmacht arrangement.
• DAScoreChannel Partner/ Reseller/ DistributorBSB offers legal expenses insurance from DAS as authorized agent.
• MarkelcoreChannel Partner/ Reseller/ DistributorBSB offers insurance products from Markel through their volmacht arrangement.
• HDIcoreChannel Partner/ Reseller/ DistributorBSB offers insurance products from HDI as authorized agent.
• MSIG EuropecoreChannel Partner/ Reseller/ DistributorBSB offers insurance products from MSIG Europe through their volmacht arrangement.
• NedascocoreStrategic or Co-development PartnerNedasco is the distribution and services arm of ASR Nederland N.V. BSB Volmachten is part of the Nedasco group, providing integrated insurance distribution services.
• Avero AchmeacoreChannel Partner/ Reseller/ DistributorBSB offers income protection insurance from Avero Achmea through their volmacht arrangement.
• BovemijcoreChannel Partner/ Reseller/ DistributorBSB offers insurance products from Bovemij as authorized agent.
• MidglascoreChannel Partner/ Reseller/ DistributorBSB offers insurance products from Midglas through their volmacht arrangement.
• UnigarantcoreChannel Partner/ Reseller/ DistributorBSB offers insurance products from Unigarant as authorized agent.
• AICcoreChannel Partner/ Reseller/ DistributorBSB offers insurance products from AIC through their volmacht arrangement.
• AIGcoreChannel Partner/ Reseller/ DistributorBSB offers insurance products from AIG as authorized agent.
• RhioncoreChannel Partner/ Reseller/ DistributorBSB offers insurance products from Rhion through their volmacht arrangement.
• ZevenwoudencoreChannel Partner/ Reseller/ DistributorBSB offers insurance products from Zevenwouden as authorized agent.
• AZ PartnerscoreChannel Partner/ Reseller/ DistributorBSB offers insurance products from AZ Partners through their volmacht arrangement.
• ElipslifecoreChannel Partner/ Reseller/ DistributorBSB offers income protection insurance from Elipslife through their Inkomentool.
• Quantum LebencoreChannel Partner/ Reseller/ DistributorBSB offers income protection insurance from Quantum Leben through their Inkomentool.
• BSB VerzekeringenminorStrategic or Co-development PartnerAffiliated company that performs insurance mediation (bemiddeling). BSB Volmachten handles volmacht activities. While both operate under different legal entities, there is no complete functional separation between them.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Turien & Co. Assuradeuren: Long-standing Dutch gevolmachtigd agent with mandates across major insurers, distributing personal and commercial lines through independent intermediaries. Direct overlap with BSB on volmacht structure, advisor channel and product breadth.
• Voogd & Voogd Verzekeringen: Dutch volmachtbedrijf and risk advisor focused on SME and corporate clients via the intermediary channel. Comparable in authorized-agent distribution model and advisor-led go-to-market, with a stronger corporate client tilt.
• Klap Verzekeringsmakelaar: Dutch insurance broker operating through a network of intermediaries and offering multi-carrier P&C and income products. Comparable advisor-channel distribution and product mix, though without BSB's scale of authorized-agent mandates.
• Heilbron Groep: Dutch insurance service group combining brokerage with volmacht activities across multiple carriers, serving SMEs and consumers via independent advisors. Directly comparable business-model combination BSB operates under separate legal entities.
• Nedasco: Sister company within D&S Holding / a.s.r., operating as a Dutch volmachtbedrijf and distribution & services platform. Closest comparable to BSB Volmachten in model, customer base (independent advisors) and mandate-based multi-carrier distribution, though with a broader service portfolio.
• Aevitae: Dutch authorized agent / volmachtbedrijf distributing health, income and P&C products from multiple insurers via intermediary channels. Highly comparable multi-carrier authorized-agent model serving independent advisors in the Netherlands.

Broad incumbents

• Aon Netherlands: Global insurance brokerage with a Dutch advisory practice. Overlaps with BSB on intermediation of commercial insurance to mid-market clients but operates at materially larger scale and with broader advisory services rather than authorized-agent underwriting.
• Marsh Netherlands: Global risk and insurance brokerage with Dutch operations serving corporate and mid-market clients. Comparable in intermediation role for commercial insurance but broader portfolio and not a volmachtbedrijf.

Regional players

• AnsvarIdéaal: Dutch authorized agent distributing P&C and income insurance through independent advisors in the Netherlands. Closely mirrors BSB's authorized-agent/advisor-channel structure on a smaller, more regional scale.
• Tieleman Verzekeringen: Dutch volmachtbedrijf and intermediary focused on SME and personal lines via the independent advisor channel. Comparable authorized-agent model with a more regional advisor footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

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Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries1 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 BSB Volmachten