Midglas

What Midglas does

Midglas is a Dutch insurance specialist focused exclusively on glass risk coverage, founded in 1911 and headquartered in Breda, Netherlands. The company operates as a niche market leader in the Dutch glass insurance segment, insuring more than 1,000,000 risk addresses across housing corporations, public sector institutions, healthcare facilities, SMB/hospitality, office buildings, homeowners associations (VvEs), and individual homeowners. Its core product portfolio includes segment-specific policies such as Woonhuis Allrisk, MKB & Horeca, Kantoorpanden, VvE, and Publieke Sector coverage, supplemented by custom solutions for special buildings with non-standard glass constructions.

The company's technology stack centers on digital claims and repair coordination. The 24/7 damage reporting and repair dispatch is handled through Clarixy (a sister entity under De Goudse ownership), a meldkamer that assigns certified glaziers from a nationwide network and provides real-time track-and-trace. WoCoTo is Midglas's proprietary digital dashboard for housing corporations, offering portfolio-level damage analytics, recourse tracking, and repeat-offender identification. Postex handles digital document delivery and iDEAL-based premium payments. In 2025, Midglas became the first organization to migrate to ANVA 6, a modern policy management platform enabling Plug & Play product rollout for authorized agents. The company co-founded Global Glass Circulair (GGC) in 2025 to operationalize circular glass restoration, achieving 42-95% CO2 reduction versus traditional production.

Midglas distributes exclusively through 30+ authorized agents (volmachtkantoren) and independent insurance advisors; end customers cannot purchase directly. Revenue is generated through recurring insurance premiums (subject to 21% assurance tax), with policies administered on behalf of Midglas by authorized intermediaries who act as underwriters within agreed frameworks while Midglas retains risk-bearing authority. The full-service model covers damage reporting through repair completion in natura, eliminating out-of-pocket costs for policyholders. Since January 1, 2025, Midglas has been a wholly-owned subsidiary of De Goudse Verzekeringen, a Dutch family-owned insurer with >€900M annual revenue and ~900 employees.

Name

Midglas

Legal name

Midglas

Website

https://midglas.nl

Company type

Private

Founded year

1911

Operating status

Operating

Headcount range

11–50 employees

Short description

Midglas is a Dutch insurance specialist and market leader in glass insurance, insuring over 1,000,000 risk addresses across housing corporations, public sector, SMB, and residential segments. The company distributes exclusively through authorized agents, operates digital platforms (WoCoTo, Clarixy), and is a wholly-owned subsidiary of De Goudse Verzekeringen.

Ownership category

akta.pro rank

Product category

Specialty Glass Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Insurance Agencies and Brokerages (524210)

SIC

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

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

akta.pro secondary industries

Large Commercial Package (National Accounts) (FSAJAFAC), Commercial General Liability (CGL) (FSAJADAA)

Keywords

• Glass insurance
• Insurance brokerage
• Property insurance
• Claims management
• Damage restoration

Headquarters

HQ city

Breda

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Glass Insurance Premiums: Midglas generates revenue through insurance premiums paid by customers (housing corporations, public sector organizations, businesses, VvEs, and individuals) for glass damage coverage. Policies are distributed exclusively via authorized agents (volmachtkantoren) and independent advisors. Premiums are subject to annual indexation based on price developments, with 21% insurance tax (assurantiebelasting) applied to gross premiums. The company operates on a full-service model where repair costs for insured damage are fully covered in natura, eliminating out-of-pocket expenses for policyholders.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels6 records

Core offering

Midglas underwrites and distributes specialized glass insurance policies for housing corporations, public sector institutions (municipalities, educational and healthcare institutions), SMB and hospitality businesses, office buildings, VvE homeowner associations, and individual homeowners in the Netherlands. Policies are distributed exclusively through a network of more than 30 authorized insurance intermediaries (volmachtkantoren) and independent insurance advisors, with the company remaining the risk bearer. Claims are handled end-to-end through partner Clarixy's 24/7 meldkamer, coordinating a nationwide certified glazier network with real-time track & trace and sustainable / circular repair (HR++ glass and Global Glass Circulair restoration).

Product overview

Midglas is a full-service glass insurance specialist offering a comprehensive portfolio of insurance products and digital platforms. The core offering consists of glass insurance policies for different market segments: Woonhuis Allrisk (all-risk homeowners), Woonhuis Uitgebreid (extended homeowners), MKB & Horeca (SMB/hospitality), Kantoorpanden (office buildings), VvE's (homeowner associations), Publieke Sector (public sector including housing corporations, healthcare, municipalities), and Maatwerk (custom solutions for special objects). These are supported by digital platforms: WoCoTo (real-time damage management for housing corporations) and Postex (document/payment management). The service is delivered through 24/7 repair partner Clarixy, who coordinates certified repairers nationwide and provides track & trace. Midglas recently became the first customer to implement ANVA 6 as their policy management system platform.

Differentiator

Problem solved

Functional benefit

Brands

• WoCoTo: Digital platform developed by Midglas for housing corporations to manage glass damage reports, repair status, and glass data in real-time.
• Postex

Products and services

• Woonhuis Allrisk All-risk glass insurance for individual Dutch homeowners providing maximum coverage for all types of glass damage, including self-inflicted damage. Covers glass in doors, skylights, conservatories, and leaded glass. Features 24/7 online damage reporting and no deductible (no eigen risico).
• Woonhuis Uitgebreid Extended glass insurance for individual Dutch homeowners covering the most common glass damage types at an affordable price. Covers all breakage damage to light-transmitting glass, glass in doors and skylights, and damage to leaded glass.
• MKB & Horeca Glasverzekering Glass insurance for small and medium-sized businesses and hospitality operators (restaurants, hotels, shops). Covers breakage of light-transmitting glass at business addresses, damage to inventory up to €175 per incident, with optional coverage for adjacent residences and refrigerator showcases.
• Kantoorpanden Glasverzekering Glass insurance for office buildings of all sizes, from small offices to large multi-tenant corporate campuses. Covers breakage of light-transmitting glass, glass in common areas, tempered exterior doors, slow wear (leak or blind breakage), and special glass types.
• VvE Glasverzekering Glass insurance specifically designed for Dutch homeowner associations (Verenigingen van Eigenaars, VvE's). Covers communal glass, optional leak and blind breakage coverage, and includes sustainable repair options. Features 24/7 damage reporting and one dedicated contact person.
• Publieke Sector - Woningcorporaties Glass insurance for Dutch housing corporations (woningcorporaties) managing large residential portfolios. Offers customized coverage, real-time damage insights via the WoCoTo platform, and sustainable repair solutions aligned with 2028 energy label D compliance obligations.
• Zorginstellingen Glasverzekering Specialized glass insurance for Dutch healthcare institutions including hospitals, care complexes, and nursing homes. Features 24/7 damage reporting, full service from report to repair, and attention for privacy and continuity of care processes.
• Gemeenten & Onderwijsinstellingen Glasverzekering Glass insurance for Dutch municipalities and educational institutions covering libraries, municipal offices, and school buildings. Offers 24/7 digital damage reporting, nationwide repair network, and sustainable repair methods.
• Maatwerk Glasverzekering Custom glass insurance for special objects requiring unique glass solutions such as monumental churches, sports centers, swimming pools, museums, or buildings with leaded glass. Fully tailored to the unique building with the most extensive coverage.
• WoCoTo - Digital Glass Management Platform Proprietary digital platform giving housing corporations real-time insight into damage reports, repair status, and glass data across their portfolios. Features include damage reporting, damage recovery tracking, repeat-offender identification, quality control monitoring, and strategic reporting for renovation and sustainability planning.
• Postex Document & Payment Platform Digital document and payment management platform that lets customers view and download documents digitally, pay securely via iDEAL, and choose between digital or postal document delivery. Email documents remain accessible for one year.
• Clarixy 24/7 Schademeldcentrum 24/7 damage reporting center (meldkamer) and repair coordination service operated as Midglas's exclusive facilities partner. Handles all glass damage processing through the largest repair network in the Netherlands, providing personal contact, real-time track & trace for repair progress, and full in-natura cost coverage for insured damage.

Quantifiable outcome

• 42-95% CO2 reduction through circular glass restoration compared to traditional glass production
• +5 more outcomes

Named customers10 records

Segments8 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• ClarixycoreStrategic or Co-development PartnerClarixy is Midglas's exclusive 24/7 facilities partner for glass damage reporting and repair management. Operating as Midglas's own meldkamer (call center), Clarixy receives damage reports online or by phone, assigns certified glaziers from its nationwide network, and monitors repair progress through to completion with real-time track & trace. Clarixy also offers non-insured glass repair services to the public. De Goudse took 100% ownership of Clarixy alongside Midglas in 2025.
• PwCcoreImplementation/ SI/ Consulting PartnerPwC partnered with Midglas to develop a clear target architecture for the company's future IT landscape. PwC helped reduce a complex IT challenge to a clear and workable vision, enabling Midglas to move confidently toward modernization. The engagement focused on process optimization, data management, and digital collaboration within the insurance value chain.
• ANVAcoreTechnology or IntegrationANVA was selected as Midglas's core policy and claims management platform, with Midglas becoming the first organization to migrate to ANVA 6. The ANVA 6 platform provides Plug & Play product rollout capabilities, enabling authorized agents to activate products faster and reducing time-to-market for new products. Midglas's migration, in partnership with PwC, includes data cleaning and optimization as preparation for the migration.
• Stichting DuurzaamcoreStrategic or Co-development PartnerStichting Duurzaam issues the independent GroenGedaan! certification for sustainable glass repair. Midglas requires all its repair partners to hold this certification. The standard is based on ISO 26000 and complies with EU Sustainability Reporting Standards. Certified repairers demonstrate sustainable practices in materials use, energy consumption, waste prevention, reuse promotion, and health/safety.
• Global Glass Circulair (GGC)coreStrategic or Co-development PartnerGlobal Glass Circulair is a joint venture (2025) co-founded by Midglas, Glasindustrie La Paloma, and Global Glass Group, focused on the production and supply of circular glass. The initiative aims to build a fully circular glass chain by harvesting, processing, and reintroducing glass into new applications, including HR++ insulation glass. Midglas plays a active role in collecting old glass through its nationwide repairer network and offering circular restoration options to customers.
• Glasindustrie La PalomacoreStrategic or Co-development PartnerPartner in the Global Glass Circulair joint venture, responsible for the production and supply of circular glass products. Glasindustrie La Paloma processes collected glass into new circular glass of the same or better quality.
• Global Glass GroupcoreStrategic or Co-development PartnerPartner in the Global Glass Circulair joint venture, contributing industrial scale and expertise in glass processing for circular applications.
• De Duurzame AdviseursminorImplementation/ SI/ Consulting PartnerMidglas partnered with De Duurzame Adviseurs (The Sustainable Advisors) to prepare for the Corporate Sustainability Reporting Directive (CSRD), ensuring long-term sustainability reporting compliance. The engagement supports Midglas's strategic commitment to sustainable business practices.
• TwintigDertigminorOthersTwintigDertig is a publication/media partner for Midglas's circular glass story. An interview with Accountmanager Public Amanda Heideveld about circular glass restoration was featured in TwintigDertig, contributing to thought leadership and industry awareness.

Scale indicators7 records

Recent moves6 records

Expansion highlights7 records

Broad incumbents

• Nationale-Nederlanden: Major Dutch insurance carrier (part of NN Group) offering home, auto, and P&C products. Comparable broad incumbent that could bundle glass coverage into property policies, posing a competitive threat to Midglas's standalone specialist position.
• Achmea: Largest Dutch insurance group with brands Centraal Beheer, FBTO, Interpolis and Zilveren Kruis. Comparable broad incumbent offering household and SME P&C products through similar intermediary channels, including glass/property riders that compete with Midglas's niche.
• Beazley: Global specialty insurer focused on niche commercial lines including property. Comparable as a specialty carrier that has scaled through deep underwriting expertise in narrow categories, mirroring Midglas's specialist model in a broader international context.
• ASR Nederland: One of the largest Dutch insurance groups offering life, health, and P&C products including property coverage for homeowners and businesses. Comparable as a broad Dutch insurance incumbent that competes for the same volmachtkantoor shelf space and end-customer property budgets.
• Hiscox: Global specialty insurer known for niche commercial and personal lines including high-value property. Comparable as a specialty insurance underwriter that has built brand and underwriting expertise around narrow product lines, similar to Midglas's specialist approach.

Emerging players

• Lemonade: Digital-first insurance carrier using AI-driven claims and a chatbot-based UX to disrupt retail P&C. Comparable as an emerging technology-led insurance challenger whose digital claims experience sets a benchmark that traditional specialists like Midglas must match.

Direct peers

• De Goudse Verzekeringen: Midglas's parent company since 2025 and a Dutch mid-market insurer (~900 employees, €900M+ revenue) focused on SMEs. Directly comparable as a Dutch insurance carrier with a multi-line P&C offering, now encompassing Midglas's glass specialty book.
• Klaverblad Verzekeringen: Dutch specialty insurer with strong focus on agriculture, SMEs, and specific niche segments, distributing via independent advisors. Comparable as a Dutch niche/specialty P&C insurer using a similar intermediary-driven GTM to serve focused customer segments.
• Univé: Dutch cooperative insurer distributing via independent advisors and direct channels, offering property and P&C products for households and SMEs. Comparable as a Dutch insurance carrier relying on intermediary distribution for non-life products similar to Midglas's volmachtkantoor model.

Others

• Marsh (Marsh & McLennan): Global insurance brokerage and risk advisory firm. Comparable as a specialist distribution/advisory intermediary for complex insurance placements, conceptually similar to the role Midglas's volmachtkantoren play in routing specialty Dutch glass risk.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/midglas

Compliance4 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 Midglas