What du Gardijn Verzekeringen does

du Gardijn Verzekeringen (legal entity du Gardijn B.V.) is a privately held, family-owned independent insurance intermediary headquartered in Enschede, Netherlands. Founded in 1994 by Wouter du Gardijn, the firm acts as an unbiased broker between insurers and policyholders, offering advisory and brokerage services across both personal and commercial lines including property, business interruption, liability, transport, income, cyber, environmental damage, money, and personnel-damage coverage. It serves approximately 450 businesses plus a consumer book, primarily in the Twente region, with a stated average customer relationship exceeding 20 years. Leadership transitioned from founder Wouter to his son Rowin in 2019 and was formalized as a co-ownership companionship in 2024.

Beyond core insurance advisory, du Gardijn operates two adjacent business lines. du Gardijn Vitaal delivers absence management (verzuimbegeleiding), occupational health services including company physicians (bedrijfsartsen), and HRM consulting through 'Eigen Regie' and 'Ontzorg Compleet' service models. du Gardijn SaaS — built on the Novulo application composition platform — is a separately marketed B2B software product targeting other insurance advisors, covering policy administration, customer management, accounting, and website integration. Supporting client-facing tooling includes the Digitale Polismap portal, XpertSuite, and VerzuimSignaal.

Revenue is generated primarily through insurance-carrier commissions on intermediated policies (transaction-fee model), supplemented by managed-services fees for absence-management contracts and professional-services revenue for HRM advisory. Go-to-market is relationship-led through personal advisors with a young in-house team of approximately 20 employees (average age 24). The firm was named best advisory firm of the year and Zakelijk Advies category winner at the VVP Advies Awards 2024.

Name

du Gardijn Verzekeringen

Legal name

du Gardijn B.V.

Website

https://dugardijn.nl

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Short description

du Gardijn Verzekeringen is a family-owned independent Dutch insurance intermediary in Enschede advising roughly 450 regional businesses and individuals across commercial and personal lines, with adjacent absence management and HRM services via du Gardijn Vitaal.

Ownership category

akta.pro rank

Product category

Insurance Intermediation and Advisory Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

akta.pro secondary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Insurance intermediation
• Business insurance advisory
• Personal insurance brokerage
• Absence management services
• Human resource management

Headquarters

HQ city

Enschede

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Intermediation/Advisory: The company acts as an independent intermediary (assurantietussenpersoon) between insurers and policyholders, earning commissions from insurance products. Not bound to one fixed insurer, allowing them to compare and find optimal coverage for clients.
2. Absence Management Services (Verzuimbegeleiding): Provides occupational health and absence management services including bedrijfsarts (company doctor), case management, and reintegration support. Services include 'Eigen Regie' (self-management support) and 'Ontzorg Compleet' (full outsourcing) models.
3. HRM Advisory Services: Human Resource Management advisory services including personnel administration, recruitment and selection, performance management, and strategic HRM. Offered as part of integrated service offering.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

du Gardijn Verzekeringen is an independent insurance intermediary and advisory firm that brokers insurance products between insurers and policyholders for both businesses and individuals. The company delivers complementary absence management (Arbo) and human resource management (HRM) consulting services, and supports clients through proprietary digital portals for policy management and absence reporting.

Product overview

du Gardijn Verzekeringen is an insurance advisory firm operating as a family business (founded 1994) offering a portfolio of insurance products and related services. The core offering consists of insurance advisory services (damage insurance, income insurance, employee benefits, risk management) for businesses and entrepreneurs, complemented by du Gardijn Vitaal (absence and occupational health services) and du Gardijn SaaS (a software platform built on Novulo for policy and customer administration). The product portfolio also includes specialized insurance products across property, business interruption, liability, transport, income, cyber, environmental damage, money, self-insured retention, and personnel damage, as well as personal insurance lines. Supporting software tools include the Digitale Polismap (digital policy folder), Xpert Suite (absence management), and VerzuimSignaal (absence monitoring). The company expanded into HRM services in 2013 and occupational health in 2004.

Differentiator

Problem solved

Functional benefit

Brands

• Du Gardijn Vitaal: Health and absence management services, including verzuimbegeleiding, HRM and arbodienstverlening.
• Verzekerverzuim.nl

Products and services

• Business Insurance Advisory (Zakelijk Advies / Verzekeringen) Independent advisory service that brokers business insurance products between insurers and business clients, covering property, business interruption, liability, transport, income, cyber, environmental, money, self-insured retention (WGA/Ziektewet), and personnel damage lines. Offered to entrepreneurs and businesses seeking tailored risk coverage across multiple insurers.
• Personal Insurance (Particuliere Verzekeringen) Advisory and brokerage service for personal insurance products covering home (opstal), contents (inboedel), art and valuables, liability, legal aid, travel and cancellation, accident, motor vehicle (car, motorcycle, van, classic car), caravan and camper, boat, and holiday home insurance for private individuals.
• Absence Management Services (Verzuimbegeleiding / du Gardijn Vitaal) Full-service absence and reintegration support for employers covering up to 104 weeks under the Wet Verbetering Poortwachter framework, including occupational physician (bedrijfsarts) services, sickness reporting, case management, and reintegration guidance. Offered under 'Eigen Regie' (self-management support) and 'Ontzorg Compleet' (full outsourcing) models.
• HRM Services (Human Resource Management Advisory) Human Resource Management advisory covering HRM Basics (personnel administration, job profiles, recruitment and selection, performance management) and Strategic HRM (staffing planning, staff development, sustainable employability), plus HR consultancy. Offered as part of the integrated insurance and Vitaal service bundle.
• du Gardijn SaaS (Software Platform for Insurance Advisors) Software platform assembled using the Novulo application composition platform that supports insurance advisors with customer management, policy administration, and accounting workflows. Marketed as a software partner for insurance advisors, enabling self-developed custom functionality rather than off-the-shelf vendor software.

Quantifiable outcome

• Average customer relationship duration of 20+ years
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• NovulocoreTechnology or Integrationdu Gardijn joined Novulo's insurance ecosystem to develop custom software for their core processes using Novulo's application composition platform. They are operating as a 'self developing customer,' building and maintaining their own applications including customer management and policy administration systems. Novulo provides low-code development training through their Live Academy.

Scale indicators6 records

Recent moves10 records

Expansion highlights5 records

Direct peers

• MeesRisicobeheer: Dutch independent insurance broker and risk management advisor focused on commercial clients. Closely comparable to du Gardijn as a regional/national intermediary offering business insurance brokerage plus risk advisory, with multi-carrier access.
• Nedasco: Dutch insurance intermediary and service platform for independent advisors, offering brokerage services and back-office support. Comparable to du Gardijn as a multi-line insurance intermediary serving Dutch businesses and consumers.
• Heilbron Verzekeringen: Dutch independent insurance broker with regional offices across the Netherlands. Closely matches du Gardijn's independent intermediation model, commercial and personal lines portfolio, and relationship-led advisory approach.
• Voogd & Voogd Verzekeringen: Established Dutch regional insurance intermediary providing commercial and personal lines brokerage. Directly comparable to du Gardijn in independent intermediation model, multi-line offering, and regional Dutch focus.
• Klap Verzekeringen & Financiële Diensten: Dutch independent insurance and financial services intermediary serving business and consumer clients with multi-carrier access. Comparable to du Gardijn's independent broker model, multi-line offerings, and personal advisory service.

Emerging players

• Arbo Unie: Dutch occupational health and absence management services provider. Direct overlap with du Gardijn Vitaal's verzuimbegeleiding (absence management) and bedrijfsarts services, though Arbo Unie operates at national scale rather than regionally.
• HumanTotalCare: Dutch provider of occupational health, absence management, and HR/Arbo services. Overlaps with du Gardijn Vitaal's Verzuimbegeleiding and HRM advisory modules, but at a larger national scale rather than as part of an integrated regional broker.

Others

• Novulo: Dutch low-code application composition platform provider serving insurance intermediaries. Not a competitor but the underlying technology partner on which du Gardijn built its proprietary systems and the du Gardijn SaaS offering.

Broad incumbents

• Marsh Nederland: Netherlands operation of Marsh, a major global insurance broker and risk advisor. Competes with du Gardijn in commercial insurance placement and risk advisory for Dutch businesses, but serves a much larger and more enterprise-skewed client base.
• Aon Nederland: Dutch arm of global insurance and risk advisory broker Aon. Provides commercial insurance brokerage, risk management, and HR/benefits consulting to Dutch corporates — overlapping with du Gardijn's commercial insurance and HRM advisory offerings, but at national/enterprise scale rather than regional SMB focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/dugardijnverzekeringen

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 du Gardijn Verzekeringen