Spitz Verzekeringen

What Spitz Verzekeringen does

Spitz Verzekeringen is an independent insurance brokerage (assurantiekantoor) based in Balkbrug, Overijssel, Netherlands, founded by Hans Middelkamp in 2010 and operating as a family-owned Spitz BV. The company advises Dutch private individuals and businesses on a comprehensive portfolio covering personal lines (auto, motorcycle, moped, bicycle, classic car, home, contents, valuables, liability, legal expenses, travel, cancellation, caravan), commercial lines (vehicle fleets, business buildings, inventory, electronics, cyber, professional and directors liability, employer liability, construction all-risk, business interruption, environmental damage, goods transport, garage), and a specialized camper-insurance offering through its SafeTrip sub-brand for both individual owners and rental operators. Mortgage advisory is delivered via a referral partnership with Redder Advies.

The underlying technology stack is intentionally modest: a WordPress website built on Elementor with Google Analytics, Wordfence, reCAPTCHA, and Google Maps integrations, plus Mailjet for transactional and marketing email. There are no proprietary platforms, no APIs, no mobile applications, and no published software products; the value proposition rests on human advisors, a dedicated claims-coaching team, and a field-sales representative who visits customers at home, rather than on technology differentiation. The firm holds AFM (registration 12047949) and KIFID (300.017943) authorizations required for Dutch insurance intermediation.

The business model is commission-based brokerage: Spitz earns recurring commissions from insurance carriers for policies placed and renewed, supplemented by referral-based professional-services revenue through the Redder Advies mortgage partnership. Customers are acquired primarily through word-of-mouth, walk-in office traffic, phone inquiries, website quote requests, and community presence in the Balkbrug region; pricing is quote-driven and not publicly disclosed. As of 2026, the company employs approximately 16 people across advisory, claims, back-office, and field-sales roles, with Joyce Bredenoort-Middelkamp having completed succession as co-owner alongside her father.

Name

Spitz Verzekeringen

Legal name

Spitz BV

Website

https://spitz-verzekert.nl

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Spitz Verzekeringen is a family-owned independent Dutch insurance brokerage in Balkbrug advising private individuals and small businesses on personal, commercial, and specialized camper insurance, earning commissions from carriers and supplementing with mortgage referrals via Redder Advies.

Ownership category

akta.pro rank

Product category

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

Commercial Auto & Fleet Insurance (FSAJAMAB)

akta.pro secondary industries

Personal Auto Insurance (FSAJAMAA), Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Commercial Auto for Specialty Vehicles (Tow Trucks, Limousines, Dump Trucks, etc.) (FSAJABAG), Hired & Non-Owned Auto (FSAJABAE), Non-Owned Auto Liability (Employee/Contractor Use) (TLABANAC)

Keywords

• Independent insurance brokerage
• Personal insurance advisory
• Commercial insurance services
• Camper insurance specialist
• Claims handling services

Headquarters

HQ city

Balkbrug

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance broker (assurantiekantoor), Spitz Verzekeringen earns commissions from insurance providers for policies placed and maintained. The company offers advice on various insurance products for both private individuals and businesses, earning revenue through established insurance carrier relationships.
2. Financial Advisory Services: The company also provides mortgage advisory services in partnership with Redder Advies, offering guidance on housing finance and insurance needs for customers purchasing homes or refinancing.

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

Spitz Verzekeringen operates as an independent insurance brokerage (onafhankelijk assurantiekantoor) placing and servicing personal and commercial insurance policies from multiple Dutch carriers on a commission basis. Offerings span vehicle (auto, van, motorcycle, moped, bicycle, classic car), home (building, contents, valuables), travel, liability, and legal-expense coverage for private clients, plus commercial vehicle, building, inventory, electronics, cyber, environmental, construction (CAR), employer liability, directors & officers, professional liability, goods transport, and business interruption insurance for entrepreneurs.

Product overview

Spitz Verzekeringen operates as an independent insurance brokerage (assurantiekantoor) offering a comprehensive portfolio of personal and business insurance products. The core offering spans private insurance covering vehicles (cars, vans, motorcycles, mopeds, bicycles, classic cars), home (buildings, contents, valuables), travel (annual, short-trip, cancellation), and liability, alongside commercial insurance for business vehicles, buildings, equipment, electronics, and various liability exposures. The company specializes in camper insurance through its SafeTrip sub-brand for non-rental vehicles and offers a separate Camperverhuurverzekering product for rental operators. Additional services include mortgage advisory through a partnership with Redder Advies. The product architecture follows a modular approach allowing customers to customize coverage with base policies (WA, Beperkt Casco, Volledig Casco) and supplementary add-on options.

Differentiator

Problem solved

Functional benefit

Brands

• SafeTrip: A specialized camper insurance brand operated by Spitz Verzekeringen, offering all-risk (WA+ Casco) camper insurance with 24/7 roadside assistance, personal damage coaches, and coverage throughout Europe. SafeTrip has been a specialist in camper insurance for over 40 years.

Products and services

• Particuliere verzekeringen (Personal insurance portfolio) Personal insurance offering covering vehicles, home, liability, legal expenses, travel, and recreation for Dutch private individuals, with independent advice across multiple carriers.
• Zakelijke verzekeringen (Commercial insurance portfolio)
• Camperverhuurverzekering (Rental camper insurance)
• SafeTrip camperverzekering (Camper insurance for owners)
• Hypotheken (Mortgage advisory)
• Autoverzekering (Private car insurance)
• Bestelautoverzekering (Particulier) — Private van insurance
• Bestelautoverzekering (Zakelijk) — Commercial van insurance
• Bromfietsverzekering — Moped and scooter insurance
• Motorverzekering — Motorcycle insurance
• Fietsverzekering — Bicycle insurance
• Oldtimerverzekering — Classic car insurance
• Woonhuisverzekering (opstalverzekering) — Homeowners building insurance
• Inboedelverzekering — Home contents insurance
• Kostbaarhedenverzekering — Valuables insurance
• Aansprakelijkheidsverzekering (Particulier) — Personal liability insurance
• Aansprakelijkheidsverzekering (Bedrijven) — Business liability insurance
• Beroepsaansprakelijkheid — Professional liability insurance
• Bestuurdersaansprakelijkheid — Directors and officers liability insurance
• Werkgeversaansprakelijkheid (WEGAS en WEGAM) — Employer liability insurance
• Cyberverzekering — Cyber insurance
• Rechtsbijstandsverzekering (Particulier) — Personal legal expenses insurance
• Rechtsbijstand (Zakelijk) — Business legal expenses insurance
• Doorlopende reisverzekering — Annual travel insurance
• Kortlopende reisverzekering — Short-trip travel insurance
• Annuleringsverzekering — Cancellation insurance
• Caravanverzekering — Caravan insurance
• Personenautoverzekering (Zakelijk) — Commercial car insurance (incl. fleet)
• Zakenreisverzekering — Business travel insurance
• Goederentransportverzekering — Goods transport insurance
• Eigen vervoer verzekering — Own transport insurance
• Bedrijfsgebouw verzekering — Commercial building insurance
• Inventaris en goederenverzekering — Business inventory and goods insurance
• Elektronicaverzekering — Electronics insurance
• Computerverzekering — Computer equipment insurance
• Bedrijfsschadeverzekering — Business interruption insurance
• Milieuschade verzekering — Environmental damage insurance
• Werkmaterieel verzekering — Heavy equipment insurance
• CAR (bouwverzekering) — Construction All Risk insurance
• Garageverzekering — Garage insurance
• Schadecoach — 24/7 personal claims coaching service

Quantifiable outcome

• 40+ years of industry experience
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Redder AdviescoreStrategic or Co-development Partner · 1 October 2021Strategic partnership between Redder Advies (mortgage and financial advisory) and Spitz Verzekeringen (insurance). The companies refer customers to each other based on complementary needs - mortgage clients need insurance, insurance clients may need mortgages. Both companies share a similar personal, customer-first approach and operate from Balkbrug. Tanja Redder helps clients with housing finance while Joyce Bredenoort handles insurance, creating a seamless customer experience. The partnership also includes referrals for financial divorce advisory services.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Voogd & Voogd Groep: Dutch independent insurance brokerage group serving both private individuals and businesses with a personal advisory model. Operates a similar model to Spitz with multiple regional offices and a wide product portfolio.
• Pricewise: Dutch price comparison website for insurance and financial products. Targets the same Dutch consumer with auto, home, travel, and health insurance comparison, competing for price-sensitive shoppers that Spitz also serves.
• Independer.nl: Leading Dutch online insurance comparison platform that competes for the same private and SMB customer wallet, particularly on auto, home, and travel insurance. Represents the digital alternative to Spitz's office-based advisory model.
• Univé: Dutch cooperative insurer and broker with strong regional roots, serving private and business members across the Netherlands. Comparable in offering personal service, multi-line insurance, and Dutch regional market positioning.

Broad incumbents

• Aon Netherlands: Global insurance and reinsurance broker with Dutch operations serving commercial and personal lines. Represents the scaled incumbent against which Spitz competes for Dutch business customers.
• Nationale-Nederlanden: One of the largest Dutch insurance carriers offering direct and broker-distributed personal and commercial lines. Competes for the same end customers as Spitz, with overlapping product lines in auto, home, and liability.
• a.s.r. Nederland: Major Dutch insurance carrier offering personal, business, and specialty lines. Represents a large incumbent with overlapping product range and distribution competition in the Dutch market.
• Marsh Netherlands: Global insurance broker with Dutch operations focused on commercial risk, employee benefits, and specialty lines. Competes with Spitz for Dutch commercial clients needing complex risk advice.

Others

• Rabobank Verzekeren: Dutch bank-affiliated insurance distribution channel bundling insurance with banking products. Serves as an alternative distribution competitor in the Dutch personal lines market where Spitz also operates.

Regional players

• Klaverblad Verzekeringen: Dutch mutual insurer focused on SMEs and private customers with regional roots. Comparable in offering modular personal and commercial insurance with personal service emphasis in the Dutch market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/spitzverzekeringen
• YouTubeyoutube.com/channel/UCexample
• LinkedInlinkedin.com/company/spitz-verzekeringen

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 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 Spitz Verzekeringen