What Samenwerking Glasverzekering does

Samenwerking Glasverzekering NV is a Dutch specialty insurer focused exclusively on glass breakage coverage and damage management for buildings, founded in 1919 in Zutphen by local shopkeepers seeking to collectively cover glass risks and operating today as a privately held NV with no parent or external equity backing. The company serves three defined segments: small and medium-sized businesses and property managers (MKB-bedrijven en vastgoedbeheerders), homeowners' associations (Verenigingen van Eigenaren), and social housing corporations and municipalities (Woningcorporaties en gemeenten) — for the latter segment, it markets three tailored concepts (Glasbeheer with variable costs plus a handling fee, Glasverzekering with a fixed annual premium, and Glasconcept combining both). All product variants include complete financial settlement through the insurer, eliminating the need for policyholders to arrange payment or claims themselves.

The company's technology stack centers on an online schade (damage) management system for claims intake, processing, and the creation of customized damage reports, supplemented by technical risk inspectors who perform on-site risk analysis for complex glass applications in modern architecture. Distribution is entirely intermediated: policies are placed exclusively through a network of authorized insurance agents (volmachten) and co-volmachten, while a separate network of 23 fully independent glass-repair partners delivers 24/7 nationwide repair service without conflicts of interest. The company generates revenue through annual recurring insurance premiums and handling fees on a subscription/recurring model, holds offices in Zutphen (founding headquarters) and Rotterdam (opened 2016 following the NGM acquisition), and has grown historically through two acquisitions — Verzekeringsmaatschappij Securitas (Rotterdam, 2009) and Nederlandsche Glasverzekering Maatschappij (Rotterdam, 2016).

Name

Samenwerking Glasverzekering

Legal name

Samenwerking Glasverzekering NV

Website

https://sgv.nl

Company type

Private

Founded year

1919

Operating status

Operating

Headcount range

11–50 employees

Short description

Samenwerking Glasverzekering NV is a Dutch specialty insurer offering dedicated glass breakage coverage and damage management for SMBs, homeowner associations, housing corporations, and municipalities, distributed via a national intermediary network of volmachten and independent repair partners. Founded in 1919, headquartered in Zutphen.

Ownership category

akta.pro rank

Headquarters

HQ city

Zutphen

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Glass Insurance Premiums: Samenwerking Glasverzekering generates revenue through annual insurance premiums paid by policyholders for glass coverage. The company offers three concept options: Glasbeheer (variable costs plus handling fee), Glasverzekering (fixed annual premium), and Glasconcept (combination of both).

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Samenwerking Glasverzekering is a Dutch specialty insurer that underwrites and administers glass breakage insurance for buildings, combining insurance coverage with damage management and repair coordination. The company offers three tailored product concepts (Glasbeheer, Glasverzekering, and Glasconcept) for housing corporations and municipalities, alongside segment-specific policies for SMBs, property managers, and homeowner associations (VvE), all backed by a nationwide independent glass-repair network.

Product overview

Samenwerking Glasverzekering operates as a specialized glass insurance provider offering a portfolio of three interconnected core products: Glasbeheer (variable cost management), Glasverzekering (fixed premium insurance), and Glasconcept (combined hybrid approach). These are supplemented by segment-specific offerings for MKB/Vastgoedbeheerders (small business and property managers) and Verenigingen van Eigenaren (homeowner associations). The company has expanded through acquisitions including Verzekeringsmaatschappij Securitas (2009) and NGM (2016). All products include integrated damage repair coordination through their independent national glass repair network.

Differentiator

Problem solved

Functional benefit

Products and services

• Glasbeheer A glass management service for housing corporations and municipalities in which the insurer handles all glass-repair costs, including payment, cost monitoring, and quality inspection; customers pay variable repair costs plus a handling fee.
• Glasverzekering Glass insurance with a fixed annual premium for housing corporations and municipalities, providing full claims service including payment, monitoring, and quality inspection so customers know their annual glass-breakage costs upfront.
• Glasconcept A hybrid insurance concept that combines Glasbeheer (for fixed annual repair costs) with Glasverzekering (for unexpected high costs), offering lower insurance tax while providing the benefits of both approaches.
• MKB & Vastgoedbeheer Glasverzekering Customized glass-breakage insurance for small and medium businesses and property managers, covering commercial buildings with technical expertise for special architecture and glass materials.
• Verenigingen van Eigenaren (VvE) Glasverzekering Insurance for homeowner associations (VvE) covering glass in residential units, common areas, entrance halls, balcony glass, privacy screens, and including leak and blind breakage coverage of insulated glass units.

Quantifiable outcome

• Quotes typically delivered within 5 working days after receiving a request

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Three partnerships are on record, tiered core.

• Partners in Glass Repair (23 companies including AA Glas, Alhra Glas, Benschop Glas, Boekema, Buijs Glas, De Glaswacht, Glas Compleet, GSF Glasgroep, Hermans Groep, Hoekstra, Jansen Glas, Kuipers, Raijmakers, Ribo Glas, Roegiers Glas, Service Glasherstel Overgelder, SGH Limburg, Snepvangers, Stekelenburg, Swinkels Glas, Tielse Glashandel, Van Es Glas, Van Ooyen)coreStrategic or Co-development PartnerA network of 23 independent glass repair companies operating nationwide across the Netherlands, fully independent from Samenwerking Glasverzekering, providing 24/7 glass damage repair services.
• Volmachten Network (Insurance Agents/Brokers)coreChannel Partner/ Reseller/ DistributorA network of authorized insurance agents and brokers (volmachten) that distribute Samenwerking Glasverzekering products including Biesbosch Assuradeuren, Chabot Assuradeuren, Centraal Volmachtbedrijf, CNAB, DIN Assuradeuren, Diverz!, Driessen Assuradeuren, Heinenoord Assuradeuren, Intermont Assuradeuren, KHBA Assuradeuren, Opgroen Assuradeuren, Mandaat, Meijers, NLG Verzekeringen, One Underwriting (AON), Quintes Underwriting, Risk, Schouten Zekerheid, SURE Business, Thoma, Twenvo, Veerhaven, Victor, Voogd & Voogd, Yinco, and Zicht.
• Co-volmachten Network (Sub-agents)coreChannel Partner/ Reseller/ DistributorCo-authorized insurance agents operating under Centraal Volmachtbedrijf including AM Assuradeuren, BB Assuradeuren, Bouten Groep, Brainport Volmachtbedrijf, Consent Assuradeuren, CS Volmachten, DDN Assuradeuren, Frisia Assuradeuren, Guell Assuradeuren, Regio Polis Assuradeuren, Rivez Assurantien, Slimm Verzekerd, Thomas Assuradeuren, Trinitum Verzekeringen, Unirisk, Van Campen Dijkstra, Van Loon, Vlieg VAG Assuradeuren, Vugts Volmacht, AJP Assuradeuren, and Zuider Huis.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Nationale-Nederlanden: Nationale-Nederlanden is a leading Dutch insurance and asset-management group offering property and casualty policies that include glass coverage. It serves many of the same Dutch corporate and housing-corporation clients as SGV but as part of a full multi-line insurance portfolio.
• Achmea: Achmea is one of the largest Dutch insurance groups (Interpolis, Centraal Beheer, FBTO) offering broad P&C coverage including glass breakage. It competes with SGV for the same Dutch SMB and homeowner-association accounts but as part of a multi-line portfolio rather than as a glass specialist.
• Allianz Nederland: Allianz operates in the Netherlands through its local P&C and life entities, offering property coverage that includes glass breakage as part of broader commercial and residential packages. It competes for the same Dutch corporate accounts as SGV but as a global multi-line carrier.
• ASR Nederland: ASR Nederland is a major Dutch life and non-life insurer with broad P&C offerings, including property coverage that bundles glass breakage. It targets overlapping Dutch MKB and housing-corporation segments but competes from a multi-line, scale-driven position rather than specialist depth.
• Generali Nederland: Generali operates a Dutch P&C insurance business offering property and casualty coverage to corporate and SMB clients. It overlaps with SGV's commercial property book but competes from a global multi-line position rather than a glass specialist one.

Direct peers

• Klaverblad Verzekeringen: Klaverblad is a Dutch specialty insurer (historically agriculture-focused) that operates a similar small-scale, niche-specialist model and distributes through Dutch intermediaries. Its comparable go-to-market through volmachten and product-tailoring approach makes it a structural analogue to SGV, though in a different niche line.
• Univé: Univé is a Dutch cooperative insurer that serves MKB and member customers with P&C products including glass breakage. Its Dutch-market focus, intermediary-heavy distribution, and SMB-segment emphasis make it a close operational and customer-overlap comparable to SGV.

Emerging players

• Bovemij: Bovemij is a Dutch specialty insurer focused on mobility and garage-sector risks, distributing through a tightly defined intermediary network. While its niche is mobility rather than glass, its specialist insurer + intermediary-distribution model mirrors SGV's operating playbook.

Others

• Centraal Volmachtbedrijf: Centraal Volmachtbedrijf is a Dutch underwriting agency (volmacht) that hosts a network of co-volmachten distributing SGV products. It is included as an ecosystem peer because it is both a distribution partner for SGV and a competitor-like intermediary that could in principle take glass specialty products in-house.
• Voiss (Voissonline): Voiss is the online intermediary/claims portal linked from SGV's website (Mijn Voiss-online) for policy administration and claims reporting. It is an enabling technology peer that operationalizes SGV's claims workflow and could be considered an adjacent infrastructure provider in the Dutch specialty insurance stack.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/samenwerkingglasverzekering

Compliance1 record

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 Samenwerking Glasverzekering