MKB verzekerings­collectief

What MKB verzekerings­collectief does

MKB Verzekeringscollectief is a Dutch independent insurance intermediary and online collective based in Joure, Friesland, Netherlands, operating under AFM vergunningnr. 12004184. The company aggregates small and medium-sized businesses, sole proprietors (ZZP'ers), and sector-specific collectives (hospitality, bakeries, VVE's, pleasure vessels) to negotiate commercial insurance terms with multiple insurers, advertising premium savings of up to 35% versus individual policies. Its product portfolio spans commercial vehicle insurance (company cars, delivery vans, pickups), work equipment insurance (forklifts, cranes, tractors, aerial platforms, harvesters, mini excavators), mobile business insurance (food trucks, sales vans), and additional lines such as legal expenses, accident, and business liability coverage.

The platform is built on a WordPress-based website supported by Wordfence security, Google reCAPTCHA, and Google Analytics, with an extensive branded subdomain network (debedrijfsautoverzekering.nl, dewerkmaterieelverzekering.nl, defoodtruckverzekering.nl, etc.) providing SEO-driven landing pages and embedded premium calculators for self-service policy purchase under an execution-only model permitted by Dutch Wft regulations. The company also maintains a network of affiliated Dutch insurance brokerages and supplements the digital channel with phone and email-based inside sales support (0513-410507, next-business-day email response).

Revenue is generated primarily through commissions paid by multiple unnamed insurers on placed policies, with the collective model functioning as the core negotiating mechanism. The customer base is described as "hundreds of entrepreneurs," and the company is registered with KiFiD under 300.001714 for dispute resolution. No external funding, M&A activity, or patent portfolio is disclosed, and the team is small at approximately 5 employees.

Name

MKB verzekerings­collectief

Legal name

MKB Verzekeringscollectief

Website

https://mkb-verzekeringscollectief.nl

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

MKB Verzekeringscollectief is a Dutch AFM-licensed online insurance intermediary and collective that aggregates SMBs, ZZP'ers, and sector-specific groups to negotiate commercial insurance (vehicles, work equipment, food trucks, hospitality, bakeries) with multiple insurers, offering up to 35% premium savings.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

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

SIC

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

akta.pro primary industry

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

Keywords

• Commercial insurance brokerage
• SMB insurance collective
• Business vehicle insurance
• Work equipment insurance
• Execution-only insurance

Headquarters

HQ city

Joure

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance intermediary commissions: MKB Verzekeringscollectief acts as an independent insurance intermediary (bemiddelaar) earning commissions from multiple insurance providers. As a collective of brokerages, they aggregate SMBs and ZZP'ers to negotiate group rates, earning revenue through commissions on placed policies. The company is AFM-licensed (AFM vergunningnr. 12004184) under Dutch financial regulations.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

MKB Verzekeringscollectief is an independent Dutch insurance intermediary that aggregates small and medium-sized businesses (MKB) and self-employed entrepreneurs (ZZP'ers) into a collective to negotiate group purchasing power with multiple insurers. The company offers commercial insurance products including business auto, work equipment, food truck, and sales van coverage via online self-service premium calculators (execution-only under Dutch Wft regulations), supplemented by phone and email support. Sector-specific collective packages for hospitality, bakeries, owners' associations (VVE's), and pleasure vessels are also offered.

Product overview

MKB Verzekeringscollectief operates as an online insurance aggregator and comparison platform for Dutch entrepreneurs, SMEs, and sole proprietors. The company offers two main product channels: (1) Online insurance products including commercial vehicle insurance (Bedrijfsauto, Bestelauto, Pickup), work equipment insurance (Werkmaterieel covering Heftruck, Hoogwerker, Mini kraan, Oogstmachine, Rupskraan, Shovel, Tractor, Verreiker), and mobile business insurance (Foodtruck, Verkoopwagen); and (2) Collective insurance packages for specific sectors (Horeca, Bakkers, VVE, Boten/Pleziervaartuigen) plus the MKB Bedrijfsautocollectief. Additional business insurances like legal expenses, accident, and liability coverage are also available. The platform enables direct premium calculation and online policy purchase without financial advice (execution-only model under Wft regulations).

Differentiator

Problem solved

Functional benefit

Products and services

• Bedrijfsauto Verzekering Vehicle insurance for commercial cars and fleets, suitable for both sole proprietors (ZZP'ers) and companies with multiple vehicles.
• Bestelauto Verzekering
• Pickup Verzekering
• Werkmaterieel Verzekering
• Heftruck Verzekering
• Hoogwerker Verzekering
• Mini kraan Verzekering
• Oogstmachine Verzekering
• Rupskraan Verzekering
• Shovel Verzekering
• Tractor Verzekering
• Verreiker Verzekering
• Foodtruck Verzekering
• Verkoopwagen Verzekering
• Horeca Verzekering
• Bakkers Verzekering
• VVE Verzekering
• Boten Verzekering
• MKB Bedrijfsautocollectief
• Rechtsbijstandverzekering
• Ongevallenverzekering
• Bedrijfsaansprakelijkheid

Quantifiable outcome

• Premium savings of up to 35% for collective members compared to individual insurance policies
• +3 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Meeùs: Established Dutch insurance broker (part of the NN Group) serving individuals and small/medium businesses. Comparable as a multi-line insurance intermediary for Dutch SMBs, though much larger and advisor-led rather than execution-only.
• Independer: Leading Dutch online insurance comparison platform for individuals and small businesses. Directly comparable as an independent intermediary that aggregates multiple insurer offerings into a self-serve comparison/purchase experience, competing for the same Dutch SMB and ZZP insurance buyer.
• Pricewise: Dutch online price comparison site covering insurance, energy, and financial products. Comparable as a digital-first insurance intermediary that helps consumers and SMBs compare and select policies from multiple insurers online.
• Aevitae: Dutch insurance intermediary and service provider focused on group/collective insurance schemes and employee benefits. Comparable as an independent intermediary that aggregates customers into collectives to negotiate group terms with insurers.
• Poliswijzer: Dutch insurance comparison platform focused on helping consumers and small businesses compare policies across insurers. Directly comparable independent intermediary model targeting the Dutch market with online comparison functionality.

Broad incumbents

• Aon Nederland: Global insurance brokerage and advisory firm with a substantial Netherlands presence serving mid-market and large commercial clients. Comparable as an insurance intermediary competing for Dutch SMB and mid-market business, but operates as a broad incumbent with global scale.
• Allianz Nederland: Major Dutch direct insurer offering commercial and consumer insurance products. Comparable as a counterparty in the Dutch commercial insurance market, but as a carrier/insurer rather than an intermediary—competing for the same end customers.
• Voogd & Voogd Verzekeringen: One of the largest independent insurance brokers in the Netherlands, serving both consumer and commercial clients. Comparable as a Dutch insurance intermediary serving SMBs, but operates at significantly greater scale with a broader portfolio and traditional advisor-led model.
• Marsh Nederland: Global insurance broker and risk advisor with Netherlands operations. Comparable as a commercial insurance intermediary operating in the Dutch market, but focused on larger enterprises and offering a broader risk-management suite.

Emerging players

• ARAG Nederland: Dutch legal expense insurance specialist, including for SMBs. Comparable as a Dutch niche insurance provider for businesses, intersecting with MKB Verzekeringscollectief's legal expense insurance offering (Rechtsbijstandverzekering).

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks1 record

Key highlights1 record

Customer concentration

• LinkedInlinkedin.com/company/mkb-verzekerings%C2%ADcollectief

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 MKB verzekerings­collectief