Danske Forsikringsmæglere Erhverv ApS

What Danske Forsikringsmæglere Erhverv ApS does

Danske Forsikringsmæglere Erhverv ApS (DKFM) is a Danish independent commercial insurance brokerage founded circa 2018 and headquartered in Asperup, Syddanmark, with a secondary office in Nyborg. The firm is privately held as an ApS (Danish private limited company; CVR 38601075), with Ulrik Gren identified as owner and licensed insurance broker ("Forsikringsmægler & indehaver"). DKFM operates as an "uvildig" (independent) advisor representing client interests rather than any single insurer, with access to all major Danish insurance companies plus selected international and specialized agencies.

The company's core offering combines insurance advisory, intermediation, and placement services for Danish SMB commercial accounts across multiple verticals — production companies, wholesale/retail, tradesmen, property companies and housing associations, hotels and restaurants, schools (efterskoler, højskoler, private schools), auto dealers and workshops, architects and engineers, and consulting/liberal professions. A strategic partnership with Danske Pensionsmæglere extends the offering into corporate pensions and health insurance. The customer-facing product is the Kundeside portal (white-labeled on b2bdoc.net), providing 24/7 self-service access to policy overviews, insurance documents, agreements, and claims status. The underlying technology stack is built on commodity SaaS: WebCRM for customer management, E-conomic for accounting, WordPress for the website, and Ipnordic for telephony — there is no proprietary AI or analytics layer.

DKFM monetizes through a three-part fee structure: (1) a one-time analysis and startup fee, (2) a recurring annual brokerage and service fee for ongoing advice and policy management, and (3) a one-time tender fee for competitive procurement processes. Additional services — standalone tenders, engineering/technical services, and complex damage consulting — are billed separately. Distribution is executed through a franchise broker network (multi-year franchise agreements), with named brokers covering Jutland, Funen, Zealand, and Greenland. The firm has no disclosed funding, no institutional investors, and no parent company.

Name

Danske Forsikringsmæglere Erhverv ApS

Legal name

Danske Forsikringsmæglere Erhverv ApS

Website

https://dkfm.dk

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Danske Forsikringsmæglere Erhverv ApS (DKFM) is an independent Danish commercial insurance brokerage, advising SMB clients across multiple verticals and Greenland via a franchise broker network and a self-service customer portal, and monetizing through one-time and recurring advisory fees.

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)

akta.pro primary industry

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

akta.pro secondary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Commercial insurance brokerage
• Business insurance advisory
• Insurance risk management
• Corporate insurance placement
• Insurance tender services

Headquarters

HQ city

Asperup

HQ country

Denmark

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D

Revenue model

1. Analysis and Startup Fee: One-time fee paid at the start of the collaboration and analysis of insurance needs.
2. Brokerage and Service Fee: Annual fee for ongoing service, advice, negotiation, and updating of the insurance program throughout the collaboration. May be composed of individual amounts or as a combined annual fee.
3. Tender Fee: One-time fee paid for conducting tender processes, evaluating offers, and advising on the choice of insurance providers for the overall insurance program.
4. Additional Services: Separate fee-based services including standalone tenders on short-term insurance (construction, building damage, project liability), engineering and technical services, and complex damage consulting.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels2 records

Core offering

Danske Forsikringsmæglere Erhverv ApS operates as an independent Danish commercial insurance brokerage, providing insurance advisory, risk assessment, and policy placement services to business clients through a franchise-style broker network. The firm utilizes shared back-office systems (WebCRM, E-conomic) and a customer portal to support broker operations and client service delivery.

Product overview

DKFM operates as an independent insurance intermediary offering professional advisory and placement services for businesses across Denmark and Greenland. The company provides a unified service combining analysis and startup fees, ongoing intermediation and servicing fees, and tendering fees. The primary customer-facing product is the Kundeside (Customer Portal), an online platform where business clients can access policy overviews, current insurance documents, agreements, and claim statuses. Core services include insurance optimization and control, prevention and damage assistance, and access to all major Danish insurance providers plus specialized agencies.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Insurance Brokerage and Advisory Services Independent insurance advisory, risk assessment, and policy placement services for Danish business clients, provided through a franchise broker network with shared back-office support.
• Customer Portal Online portal enabling clients to access insurance documentation and policy information managed through the brokerage.

Quantifiable outcome

• Customers can focus on their core business while DKFM handles insurance administration and optimization.

Segments9 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered core and strategic.

• All Major Danish Insurance CompaniescoreChannel Partner/ Reseller/ DistributorDKFM collaborates with all significant insurance companies in Denmark, giving them access to a broad range of insurance products and competitive pricing for their customers.
• Specialized Insurance AgenciescoreChannel Partner/ Reseller/ DistributorPartnership with insurance agencies that have special expertise and particular agreements, expanding the range of specialized coverage options available to customers.
• Danske PensionsmæglerestrategicStrategic or Co-development PartnerCorporate pension and health insurance offerings are provided through this collaboration partner, enabling DKFM to offer comprehensive employee benefits advisory alongside property and casualty insurance.
• National and Selected International Insurance ProviderscoreChannel Partner/ Reseller/ DistributorBrokers have access to collaborate with all significant national and selected international insurance providers, giving comprehensive market coverage.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Regional players

• Aagaard Forsikringsmæglere: Smaller Danish independent insurance brokerage serving SMB and mid-market clients. Most directly comparable peer to DKFM in size, customer base (Danish commercial accounts), and independent brokerage model.

Broad incumbents

• Alm. Brand: Major Danish insurance group offering P&C, life and banking products. Competes with DKFM for commercial Danish customers, primarily as a carrier rather than an independent broker, but occupies the same commercial insurance market.
• Marsh Denmark: Part of Marsh McLennan, Marsh Denmark is a major commercial insurance broker and risk advisor serving mid-market and large corporate clients. Overlaps with DKFM on independent brokerage placement but at enterprise scale.
• Aon Denmark: Global insurance and risk brokerage with a Danish office. Directly comparable to DKFM in offering commercial insurance placement and advisory, but operates at vastly greater scale and with global carrier relationships.
• Willis Towers Watson Denmark: Global risk and insurance broker with operations in Denmark. Comparable to DKFM as a commercial insurance intermediary for mid-market and corporate clients, though WTW also offers broader advisory (HR, benefits).
• Gjensidige Denmark: Norwegian-headquartered insurer with significant Danish operations in commercial P&C. Comparable to DKFM in serving Danish commercial customers, but as a carrier with its own tied distribution rather than an independent broker.
• Tryg: Largest Nordic insurer with Danish operations following the Codan acquisition. Competes with DKFM for commercial accounts in Denmark as a carrier rather than an independent broker.

Direct peers

• Söderberg & Partners: Nordic independent insurance and financial advisory group active across Sweden, Norway, Denmark and Finland. Closely comparable to DKFM as an independent, fee-based broker targeting SMB and mid-market commercial clients with multi-carrier access.
• Howden Denmark: Independent international insurance broker with Nordic presence. Comparable to DKFM as an independent commercial broker serving mid-market clients with access to multiple insurers, though operating at materially larger scale.
• Danske Pensionsmæglere: Danish pension and health insurance broker and a named strategic partner of DKFM. Closely comparable as a Danish independent broker, with adjacent focus on corporate pensions and health benefits rather than commercial P&C.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/f10-forsikringsmaegler-aps

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Danske Forsikringsmæglere Erhverv ApS