CLAVER INSURANCE

What CLAVER INSURANCE does

Claver Insurance is an independent, FSMA-registered insurance brokerage (license #114549A) operating under the legal entity Claver Invest SRL from its headquarters in Schaerbeek, Brussels-Capital Region. Founded in 2016 by Kamena Claver, the firm intermediates insurance contracts on behalf of 15+ partner insurers (AG, AXA, DKV, Vivium, Baloise, Arag, DAS) and is authorized to operate across 29 insurance branches under Belgian law. Its core business is brokering — placing and managing policies for individuals, families, independents, and SMEs, with particular vertical specialization in HORECA, artisan trades (bakery, butcher, florist), garages/vehicle dealers, and general commerce.

The firm's service model is sales-led and consultative, anchored on a free 30-minute insurance audit used as the primary lead-conversion mechanism. Clients enter via an online quote form (2-minute submission), phone, WhatsApp, or in-person consultation, then receive a comparative analysis of coverage and pricing across partner insurers. Once a client is on-boarded, Claver manages the full policy transfer with no coverage gap, handles claims from intake to settlement, and conducts an annual renegotiation cycle at renewal. The technology stack is intentionally thin: there is no proprietary underwriting or pricing platform — the digital layer consists of the website, a 2-minute online quote form, and a client portal (mybroker.be) for document and portfolio management. Sector-specific packaged products (e.g., RC Exploitation HORECA, Multirisque Commerce, RC Garagiste) are codified into dedicated landing pages that double as SEO-driven acquisition assets.

Revenue is generated exclusively through intermediation commissions paid by the partner insurance companies on placed and managed policies — the standard compensation model for FSMA-licensed brokers in Belgium. Pricing is quote-based and not publicly disclosed, with reference points for commercial cyber insurance starting at €27/month and full professional packages ranging from €800 to €8,000 per year depending on sector and risk profile. The firm reports an average first-year premium saving of 18% for commerce/SME clients through its comparative model. Geographic footprint is anchored in Schaerbeek with national reach across Belgium delivered remotely; there is no disclosed international expansion, no external funding, and the business remains entirely founder-owned with a team of up to five collaborators.

Name

CLAVER INSURANCE

Legal name

Claver Invest

Website

https://claver-insurance.be

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Claver Insurance is an FSMA-registered independent insurance brokerage in Schaerbeek, Brussels, placing and managing policies for individuals, SMEs, and trade professionals (HORECA, artisans, retail) by comparing offerings from 15+ partner insurers and providing advisory-led service plus claims handling.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)

Keywords

• Insurance brokerage
• Insurance intermediation
• SME business insurance
• HORECA insurance
• Brussels insurance broker

Headquarters

HQ city

Schaerbeek

HQ country

Belgium

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Intermediation Commission: Claver Insurance is compensated through commissions paid by insurance companies (the 15+ partner insurers) for placing and managing insurance policies. The broker presents, proposes, or concludes insurance contracts on behalf of insurers and receives remuneration for these intermediation services. The bureau may also receive remuneration linked to the insurance portfolio or tasks performed for a specific insurance company. This is the standard compensation model for FSMA-licensed insurance brokers in Belgium.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Claver Insurance is an independent insurance brokerage that compares, recommends, and manages insurance contracts from 15+ partner insurers (AG, AXA, DKV, Vivium, Baloise, Arag, DAS) for individuals, families, independents, and SMEs in Brussels and across Belgium. The core service is a free 30-minute audit of existing cover, annual comparison/renegotiation, sector-specific package recommendations (HORECA, bakery, butcher, florist, garage, retail/PME), and end-to-end claims handling. Products span personal lines (auto, home, family liability, hospitalization) and professional lines (RC Entreprise, Accident Travail, Revenu Garanti, PLCI, Véhicule Professionnel with commercial plates, RC Décennale, Hospitalisation Pro, Perte d'Exploitation, Assurance Groupe).

Product overview

Claver Insurance is a multi-product insurance brokerage platform offering both individual and business insurance solutions. For individuals: auto, home (habitation), family civil liability (RC familiale), and hospitalization insurance. For professionals and SMEs: professional liability (RC Entreprise), work accident insurance, guaranteed income, complementary pension (PLCI), professional vehicles with commercial plates, ten-year liability (RC Décennale), professional hospitalization, business interruption (Perte d'Exploitation), and group insurance. The company also provides sector-specific packages for Commerce & PME, HORECA, Bakeries, Butcheries, Florists, Mechanics/Auto Dealers, Hairdressers, and Beauty Institutes. All products are sourced through 15+ partner insurance companies (AG, AXA, DKV, Vivium, Baloise, Arag, DAS) enabling price comparison and customized coverage recommendations. The service model centers on free 30-minute audits, annual comparison reviews, and claims management support.

Differentiator

Problem solved

Functional benefit

Products and services

• RC Entreprise (Professionnelle) Professional liability insurance protecting business activities against third-party claims for damages up to 2.5M€ per incident. Targeted at independent professionals and SMEs.
• Accident Travail Mandatory work accident insurance for employees covering medical expenses, hospitalization, and disability benefits. For Belgian employers to comply with Accident Travail obligations; non-compliance penalties up to €48,000.
• Revenu Garanti Income protection insurance maintaining personal revenues in case of work incapacity. For self-employed professionals and independent operators.
• PLCI / Pension Complementary pension insurance with tax advantages for self-employed professionals (PLCI scheme) plus pension products for owners.
• Véhicule Professionnel Commercial fleet, van, and professional license plate insurance with negotiated rates. For businesses operating commercial vehicles and dealer plates.
• RC Décennale Ten-year professional liability insurance for construction industry professionals covering structural defect liability under Belgian ten-year liability rules.
• Hospitalisation Pro Extra-legal hospitalization insurance offered as an employee benefit to support retention. For employers and group schemes.
• Perte d'Exploitation Business interruption insurance compensating lost revenue and continuing expenses after a covered incident (fire, water damage, etc.). For independent professionals and SMEs.
• Assurance Groupe Group pension plan for employees with tax advantages for businesses. For employers offering supplementary pensions to staff.
• RC Exploitation Boucherie (Butcher & Charcuterie package) Sector-tailored professional liability and multi-risk package for butcher and charcuterie shops, including food poisoning/salmonella extension, cold-storage breakdown, customer-injury coverage, machine breakdown, theft/vandalism, and Accident Travail. Reference pricing €1,500–€3,800/year.
• RC Exploitation Boulangerie (Bakery & Patisserie package) Sector-tailored professional liability and multi-risk package for bakeries and patisseries with on-site ovens, fermentation chambers, cold storage, and artisan equipment. Covers oven fire, cold storage failure, work accidents, food poisoning, and business interruption. Reference pricing €1,800–€4,500/year.
• RC Exploitation HORECA package Sector-tailored professional liability and multi-risk package for restaurants, hotels, and cafés including food-poisoning liability, professional-kitchen fire, customer injury, loss of earnings, theft/vandalism, and Accident Travail for servers. Reference pricing €800–€2,500/year for cafés.
• Multirisque Commerce Fleuriste (Florist package) Multi-risk commerce package for florists including cold-chamber breakdown during peak seasons, delivery vehicle coverage, client accidents in the boutique, loss-of-earnings, and e-commerce cyber exposure. Reference pricing €800–€2,200/year.
• Multirisque Commerce & PME (Cyber from €27/month) Multi-risk commerce package for shops and SMEs covering fire, water damage, theft, RC Exploitation, cyber insurance from €27/month (ransomware, data breach, GDPR fines up to 4% of turnover, 24/7 crisis response), loss of earnings, and Accident Travail. Reference package pricing €1,000–€3,500/year.
• RC Garagiste & Plaques Commerciales Insurance package for mechanical garages, bodywork shops, and used-vehicle dealers including commercial plates for test drives, customer-vehicle inventory coverage, workshop multi-risk, RC Garagiste, Accident Travail for mechanics, and professional legal protection (vice caché). Reference pricing €2,000–€8,000/year.
• Assurance Habitation Home insurance covering fire, water damage, theft, and civil liability for homeowners and renters in Brussels.
• RC Familiale Family civil liability insurance covering damages caused to third parties in personal-life contexts.
• Assurance Auto Auto insurance comparing 15+ partner companies (AG, AXA, DKV, Vivium, Baloise) for optimal coverage and pricing for private individuals.

Quantifiable outcome

• Clients save an average of 18% on premiums in the first year through annual comparison and renegotiation across partner insurers
• +3 more outcomes

Named customers10 records

Segments9 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core and supporting.

• AG (Agenties Matériel)coreOthersAG is one of the primary insurance company partners whose products Claver Insurance compares and distributes. Claver Insurance presents AG alongside other major insurers (AXA, DKV, Vivium, Baloise, Arag, DAS) as part of its multi-insurer comparison service for clients.
• AXAcoreOthersAXA Belgium is a key insurance company partner listed alongside AG, DKV, Vivium, Baloise, Arag, and DAS. Claver Insurance compares offers across these partner insurers to find the best coverage and price for clients.
• DKVcoreOthersDKV (Deutsche Krankenversicherung) is a partner health and hospitalization insurer. Claver Insurance compares DKV products alongside other partner insurers for clients seeking hospitalization and health coverage.
• ViviumcoreOthersVivium is a Belgian insurance company (part of P&V Group) offering property, liability, and casualty insurance. Listed as a core partner insurer alongside AG, AXA, DKV, Baloise, Arag, and DAS.
• BaloisecoreOthersBaloise (Baloise Belgium) is a key insurance partner offering life, pension, and property/casualty products. Listed as a core partner alongside AG, AXA, DKV, Vivium, Arag, and DAS.
• AragsupportingOthersArag is a legal protection insurance specialist partner. Claver Insurance includes Arag among its partner insurers for clients requiring standalone or embedded legal protection coverage.
• DASsupportingOthersDAS is a legal protection insurance specialist (part of the AXA Group) offering professional and personal legal expense coverage. Partnered with Claver Insurance for clients needing legal protection products.
• FeprabelcoreOthersFeprabel is the Belgian professional federation of insurance and financial intermediaries. Claver Insurance is a member of Feprabel, which sets professional standards and represents insurance brokers in Belgium. Membership signals professional credibility and adherence to industry codes of conduct.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Marsh Belgium: Marsh is a global insurance broker and risk advisor with a substantial Belgian presence, serving mid-market and corporate clients. While focused on larger accounts, it competes for SME business and embodies the multi-carrier intermediation model Claver uses.
• Belfius Insurance: Belfius Insurance distributes via tied agents within the Belfius bank network, competing for retail and SME customers in Belgium. It overlaps Claver's customer base and is directly relevant given Claver founder Kamena Claver's prior experience at Corona Direct/Belfius.
• AG Insurance: AG Insurance is one of Belgium's largest insurers, distributing via tied agents and independent brokers including Claver. It is both a partner and a competitor, with a broad product portfolio that overlaps Claver's multi-line offering across personal, SME, and specialty lines.
• WTW (Willis Towers Watson): WTW is a global advisory, broking, and solutions company with Belgian operations across corporate, SME, and individual insurance lines. Its broad intermediary capabilities overlap with Claver's intermediation focus, particularly for SME and specialty risks.
• Aon Belgium: Aon is a global professional services firm with a large insurance brokerage practice in Belgium. It competes for SME and mid-market clients through multi-carrier placement and risk advisory, overlapping with Claver's service portfolio.
• KBC Verzekeringen: KBC Verzekeringen is the insurance arm of Belgian bank-insurer KBC Group, distributing via tied agents inside the KBC branch network. It competes for retail and SME insurance in Belgium through bundling with banking products, making it an incumbent alternative to independent brokers like Claver.

Emerging players

• CoverWallet: CoverWallet is a digital insurance broker focused on small and medium businesses, offering online quoting, instant policy issuance, and self-service management. It overlaps with Claver's SME segment via a more digital-native, technology-led approach.

Regional players

• Patronale Verzekeringen: Patronale Verzekeringen is a Belgian mutual insurer serving individuals, independents, and SMEs primarily through its own tied-agent network. It competes for the same Belgian SME and independent client base as Claver, though via a different distribution model.

Direct peers

• Vanbreda Risk & Benefits: Vanbreda Risk & Benefits is a leading Belgian insurance broker and risk consultant serving corporate, SME, and individual clients. It shares Claver's multi-carrier intermediation model and SME focus but operates at significantly larger scale, making it the most direct comparable for Belgian retail/SME brokerage.
• HelloSafe: HelloSafe is an online insurance and finance comparator active in Belgium and France, offering instant multi-carrier price comparison. It directly competes with Claver's cross-carrier comparison value proposition, particularly for commoditized personal lines like auto and home.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/claver-insurance

Compliance4 records

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 CLAVER INSURANCE