Klap Nijmegen

What Klap Nijmegen does

Klap Verzekeringsmakelaar is an independent Dutch insurance broker founded in 1854 and operated as a family-owned private limited company (familiebedrijf). It is structured as an ongebonden (unbound) intermediary with its own volmacht (underwriting authority) and beursbedrijf (exchange business), enabling objective comparison and placement of coverage across multiple reputable Dutch and international insurers. The firm serves three primary segments — ZZP/self-employed professionals, MKB (Dutch SMBs), and private individuals (particulieren) — through regional offices (Amsterdam headquarters plus additional locations including Nijmegen) and a nationwide digital presence. The product portfolio spans roughly 30 commercial insurance lines organized into liability, mobility, property, and employer/employee categories, plus personal insurance and seven vertical-specific offerings (recreation parks, hotels, hairdressers, graphic/printing, outdoor sports, framing, technology).

Revenue is generated primarily through insurance brokerage commissions from carrier placements, supplemented by advisory and risk-management fees. Klap operates a hybrid go-to-market: traditional personal advisory with dedicated account managers and policy reviews for SMB and complex commercial accounts, paired with a fully digital self-service channel (Alicia.insure integration) enabling sub-5-minute ZZP quote-and-bind. The proprietary 'Mijn Klap' portal — built on the WebAssuradeuren platform — provides unified policy management, claims reporting, and document access for all customer segments. A worldwide independent broker network extends the firm's reach to Dutch clients with foreign subsidiaries and cross-border insurance needs. The firm has recently expanded into adjacent professional services with a newly launched Juridisch Advies (legal advisory) offering covering contract review, debt collection, HR support, and terms-and-conditions updates.

The firm is privately held with no disclosed external investors, funding rounds, or M&A activity. It maintains affiliations with ADFIZ, KiFiD, NVGA, and RMIA professional bodies and self-describes as a 'middelgrote assurantiemakelaar' (mid-sized insurance broker) serving thousands of Dutch entrepreneurs. Headcount is not centrally disclosed; the Nijmegen branch reports 5 employees, while the website advertises 15 open vacancies firm-wide.

Name

Klap Nijmegen

Legal name

Klap Verzekeringsmakelaar

Website

https://klap.nl

Company type

Private

Founded year

1854

Operating status

Operating

Headcount range

1–10 employees

Short description

Klap Verzekeringsmakelaar is a family-owned Dutch independent insurance broker founded in 1854, serving ZZP, MKB, and private clients with multi-line commercial and personal insurance via dedicated advisors, the Mijn Klap digital portal, and the Alicia.insure self-service channel.

Ownership category

akta.pro rank

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Klap earns commissions from insurance providers for placing business with them. As an independent broker with authority (volmachtbedrijf) and exchange business (beursbedrijf), they source and place insurance coverage for clients and earn commission from insurers. This is the primary revenue stream for a Dutch insurance broker.
2. Advisory Services: Personalized insurance advisory services are provided to business and private clients, including risk assessment, coverage comparison, and ongoing policy reviews. While primarily bundled with their brokerage service, advisory represents a distinct value component.

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Klap is an independent Dutch insurance broker (verzekeringsmakelaar) that advises and places business and personal insurance coverage on behalf of clients, sourcing policies from multiple reputable insurers through its own volmacht (authority) and beursbedrijf (exchange). Its offering spans liability, mobility, property, employer/employee, and industry-specific insurance products, delivered through personal advisory account managers and a digital self-service channel ('Mijn Klap' portal with Alicia.insure quote-and-bind) for ZZP, MKB, and private clients.

Product overview

Klap is an independent insurance broker (verzekeringsmakelaar) founded in 1854, offering a comprehensive portfolio of commercial and personal insurance products through its unified service platform. The company's offering consists of the Mijn Klap digital customer portal as the primary access point, supported by a full range of business insurance products organized into four main categories: Liability insurance (Bedrijfsaansprakelijkheid, Beroepsaansprakelijkheid, Bestuurdersaansprakelijkheid, CAR, Fraudeverzekering, Recall, Rechtsbijstand, Werknemersschade), Mobility insurance (Bestelauto, Eigen Vervoer, Transport, Wagenpark, Zakelijke Reisverzekering), Property insurance (Bedrijfsschade, Elektronica, Gebouwen, Goederen, Inventaris, Machinebreuk, Reconstructie), and Employer/Employee insurance (Verzuim, Eigenrisicodrager Ziektewet/WGA, MKB Verzuim Ontzorgverzekering, Arbeidsongeschiktheid, WGA-hiaat, WIA, Zakelijke Zorg, Collectief Verzekeringsplan, Collectieve Ongevallen, Pensioen). The company also serves specific industries (Recreation Parks, Hotels, Hairdressers, Technology, Graphic Businesses, Outdoor Sports, Framers) and offers personal insurance and ZZP packages. Legal advisory services and a 170+ year track record round out the offering.

Differentiator

Problem solved

Functional benefit

Products and services

• Bedrijfsaansprakelijkheidsverzekering (Business Liability Insurance) Covers a business's legal liability for bodily injury or property damage caused to third parties; offered to Dutch businesses via Klap's independent broker placement.
• Beroepsaansprakelijkheidsverzekering (Professional Liability Insurance) Protects professionals against claims arising from negligence or errors in the services they provide; available to ZZP and business clients including via the Alicia.insure digital channel for ZZP'ers.
• Bestuurdersaansprakelijkheidsverzekering (Directors & Officers Insurance) Covers directors and officers for claims related to management decisions and governance; targeted at Dutch business owners and executives.
• CAR-verzekering (Construction All Risks Insurance) Insurance covering construction projects against damage to the works, third-party liability, and contractor's equipment; targeted at construction and building-sector clients.
• Fraudeverzekering (Fraud Insurance) Protects businesses against financial losses due to fraudulent activities; offered to Dutch commercial clients.
• Recallverzekering (Product Recall Insurance) Covers costs associated with recalling defective products from the market; targeted at product-manufacturing and distribution businesses.
• Rechtsbijstandverzekering (Legal Expenses Insurance) Provides coverage for legal costs and representation in disputes; available to business and ZZP clients including via the Alicia.insure digital channel.
• Werknemersschadeverzekering (Employee Injury Insurance) Covers injuries sustained by employees in the workplace; targeted at Dutch employers.
• Bestelautoverzekering (Commercial Van Insurance) Insurance for delivery vans and commercial vehicles used in business operations; offered to Dutch business clients.
• Eigen Vervoerverzekering (Own Transport Insurance) Covers goods transported by the insured's own vehicles; offered to Dutch businesses handling their own logistics.
• Transportverzekering (Transport Insurance) Insurance for goods during transportation, covering loss or damage in transit; offered to Dutch businesses shipping goods.
• Wagenparkverzekering (Fleet Insurance) Consolidated insurance coverage for multiple company vehicles; offered to Dutch businesses operating vehicle fleets.
• Zakelijke Reisverzekering (Business Travel Insurance) Coverage for employees traveling abroad for business purposes; offered to Dutch employers with traveling staff.
• Bedrijfsschadeverzekering (Business Interruption Insurance) Compensates for lost income during periods when business operations are interrupted; offered to Dutch commercial clients.
• Elektronicaverzekering (Electronics Insurance) Coverage for electronic equipment, computers, and technical devices against damage or theft; offered to Dutch business clients.
• Gebouwenverzekering (Building Insurance) Insurance for commercial buildings against fire, water damage, and other risks; offered to Dutch commercial property owners.
• Goederenverzekering (Goods Insurance) Coverage for commercial goods and merchandise against loss or damage; offered to Dutch commercial clients.
• Inventarisverzekering (Inventory Insurance) Protects business equipment and inventory against damage or theft; offered to Dutch commercial clients.
• Machinebreukverzekering (Machinery Breakdown Insurance) Coverage for mechanical and electrical equipment breakdowns; offered to Dutch industrial and manufacturing businesses.
• Reconstructieverzekering (Reconstruction Insurance) Covers costs for reconstructing damaged property or documents; offered to Dutch commercial clients.
• Verzuimverzekering (Absence Insurance) Insurance covering employee sick leave and absence costs; offered to Dutch employers.
• Eigenrisicodrager Ziektewet (Own Risk Carrier Sickness Benefits) Allows businesses to manage their own sick leave payments under the Sickness Benefits Act; offered to Dutch employers.
• Eigenrisicodrager WGA (Own Risk Carrier WGA) Enables businesses to manage their own Work and Income (Capacity for Work) Act obligations; offered to Dutch employers.
• MKB Verzuim Ontzorgverzekering (SME Absence Management Insurance) Comprehensive absence management solution for small and medium enterprises; offered to Dutch SMB employers.
• Arbeidsongeschiktheidsverzekering (Disability Insurance) Coverage providing income replacement in case of occupational disability; offered to Dutch employers and self-employed.
• WGA-hiaatverzekering (WGA Gap Insurance) Supplements the Work and Income Act (WGA) benefit to ensure adequate income; offered to Dutch employees.
• WIA-verzekering (WIA Insurance) Insurance covering the statutory Work and Income Act for persons with occupational disability; offered to Dutch employees.
• Zakelijke Zorgverzekering / Collectieve Zorgverzekering (Group Health Insurance) Group health insurance plans for businesses covering employees; offered to Dutch employers.
• Collectief Verzekeringsplan (Collective Insurance Plan) Customized group insurance packages for organizations; offered to Dutch employers and member organizations.
• Collectieve Ongevallenverzekering (Group Accident Insurance) Accident coverage for employees under a group policy; offered to Dutch employers.
• Pensioenverzekering (Pension Insurance) Pension arrangements and insurance for employee retirement benefits; offered to Dutch employers.
• ZZP Verzekeringen (Self-Employed Insurance Package) Insurance packages designed specifically for freelancers and self-employed professionals (ZZP'ers), including liability, legal expenses, and contents coverage; purchasable in under 5 minutes via the Alicia.insure digital channel.
• Particuliere Verzekeringen (Personal Insurance) Insurance products for Dutch private individuals covering homes (inboedel/woning), vehicles (autoverzekering), and personal liability.
• Recreatiepark Verzekering (Holiday Park Insurance) Specialized insurance solutions for holiday park and recreation property owners in the Netherlands.
• Hotel Verzekering (Hotel Insurance) Tailored insurance coverage for hotel owners and hospitality businesses in the Netherlands.
• Kappersverzekering (Hairdresser Insurance) Insurance solutions specifically designed for hairdressers and beauty salons in the Netherlands.
• Technologie Verzekering (Technology Sector Insurance) Insurance coverage tailored for technology companies and IT businesses in the Netherlands.
• Grafische Bedrijven Verzekering (Graphic/Printing Business Insurance) Specialized insurance for printing companies and graphic design businesses in the Netherlands.
• Outdoor Sports Verzekering (Outdoor Sports Business Insurance) Insurance coverage for indoor and outdoor sports facilities and businesses in the Netherlands.
• Lijstenmaker Verzekering (Framing/Art Business Insurance) Insurance solutions for picture framers and art-related businesses in the Netherlands.
• Juridisch Advies (Legal Advisory Services) Preventive legal consultation services including contract review, debt collection, HR advisory, and terms & conditions support; offered to Dutch business clients as a complement to insurance placement.
• Mijn Klap (My Klap Digital Portal) Secure digital customer portal for managing insurance policies, reporting claims, and accessing personal advisor contact; available to all Klap customer segments via WebAssuradeuren infrastructure.

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core and minor.

• Worldwide Independent Broker NetworkcoreStrategic or Co-development PartnerKlap leverages a global network of independent insurance brokers to place coverage with foreign insurers and manage international insurance interests for Dutch businesses with subsidiaries or operations abroad. This enables Klap to serve clients with cross-border insurance needs.
• WebAssuradeuren (Mijn Klap Platform)coreTechnology or IntegrationThird-party technology platform hosting the 'Mijn Klap' customer portal used for policy management, claims reporting, and new insurance purchases. This provides the digital infrastructure for Klap's customer self-service capabilities.
• ADFIZminorOthersDutch professional association for insurance intermediaries. Klap displays ADFIZ affiliation as a credibility marker for professional standards and ethical conduct.
• KiFiD (Klachteninstituut Financiële Dienstverlening)minorOthersDutch complaints institute for financial services. Affiliation demonstrates consumer protection commitment and dispute resolution accessibility.
• NVGA (Nederlandse Vereniging van Gevolmachtigd Agenten)minorOthersDutch association of authorized agents. NVGA membership aligns with Klap's volmachtbedrijf (authority/agency) operations.
• RMIA (Risk Management Institute of Australasia)minorOthersProfessional risk management association. RMIA affiliation may relate to Klap's risk management advisory capabilities.

Scale indicators2 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• MeesRisicobeheer: Dutch independent insurance broker specializing in business risk and commercial insurance for SMEs. Highly comparable to Klap as a mid-sized independent Dutch broker focused on liability, property, mobility, and employee-benefit insurance for entrepreneurs.
• Hekking & Co Verzekeringen: Independent Dutch insurance broker serving private clients and businesses across multiple insurance lines. Closely comparable to Klap as a similarly sized independent domestic broker offering personal advisory combined with multi-line product placement.
• Voogd & Voogd: Dutch insurance broker serving private, ZZP, and SME segments with both advisory and digital distribution. Directly comparable to Klap across the same customer segments and multi-line product portfolio, including vertical specializations.
• Van Campen & Dijkstra: Long-established Dutch independent insurance broker serving both private and commercial clients across multiple lines. Closely comparable to Klap as a similarly positioned independent Dutch intermediary with deep domestic heritage and multi-segment coverage.

Broad incumbents

• Nationale-Nederlanden: One of the largest Dutch insurance carriers offering life, health, and non-life insurance products directly and through brokers. Comparable to Klap in product breadth across health, liability, mobility, and pension insurance, though NN underwrites risk directly rather than acting purely as intermediary.
• Aon Nederland: Global insurance and risk brokerage firm with a substantial Dutch presence serving both commercial and individual clients. Comparable to Klap as a multi-line insurance intermediary operating in the Netherlands, though Aon operates at vastly larger scale and broader international scope.
• Marsh Nederland: Global insurance broker and risk advisor with a strong Dutch office serving commercial clients. Comparable to Klap in providing multi-line commercial insurance brokerage, employee benefits, and risk advisory services to Dutch businesses.

Others

• Rabobank Verzekeren: Insurance distribution arm of Rabobank offering consumer and SME insurance products through banking channels. Comparable to Klap in serving private and SME segments with multi-line insurance offerings, though operating via captive bank-channel distribution rather than independent brokerage.

Emerging players

• Insify: Digital-first insurance platform purpose-built for Dutch ZZP and small business customers, offering streamlined quote-and-bind experiences. Competes directly with Klap's Alicia.insure-enabled ZZP proposition but with a fully native, capital-backed technology stack.
• Klaren.nl: Dutch online insurance comparison and brokerage platform targeting consumers and small businesses. Comparable to Klap's digital distribution layer, though operating with a primarily aggregator-driven model rather than advisory-led service.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/klap-nijmegen

Revenue estimate

Valuation estimate

Number of profiles

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 Klap Nijmegen