What Verzekerverzuim.nl does

Verzekerverzuim.nl is an independent Dutch insurance brokerage operating as a dedicated SME-focused label of du Gardijn Verzekeringen, an Enschede-based assurantiekantoor with over 30 years of operating history. Founded in 2019, the company targets Dutch small and medium-sized enterprises that have remained with a single absence insurance provider for years without re-quoting. Its core service requests quotes from seven panel insurers — Nationale Nederlanden, Avéro Achmea, Quantum Leben, A.s.r., De Goudse, Allianz, and Hamilton — and delivers at least five personalized options within one working day, claiming 15% to 30% premium savings versus incumbents.

The product surface combines absence insurance brokerage with a vertically integrated occupational health service, Du Gardijn Vitaal, a certified arbodienst audited by DNV and registered with SBCA. Du Gardijn Vitaal offers two subscription tiers — an Eigen Regie self-management package at €39.50 per employee per year and a Compleet full-outsourcing package at €169.50 per employee per year — covering the statutory re-integration path under the Wet verbetering poortwachter. Absence insurance premiums are priced at 1.5% to 5% of gross wage bill depending on sector, employee count, and historical absence.

The business operates with six employees based at Colosseum 1, Enschede. The go-to-market is digital-led: a 2-minute online quote request feeds an inside-sales motion in which a dedicated adviser contacts the customer within one working day, followed by proactive annual account reviews. Revenue is generated through insurance carrier commissions on placed policies and recurring arbodienst subscriptions. The technology stack is explicitly non-proprietary — a web-based quoting and comparison interface — with no disclosed AI/ML, APIs, or mobile applications. The company maintains an average customer rating of 9.0/10 and is privately held with no external institutional investment.

Name

Verzekerverzuim.nl

Legal name

Verzekerverzuim.nl

Website

https://verzekerverzuim.nl

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Verzekerverzuim.nl is a Dutch independent insurance brokerage and digital label of du Gardijn Verzekeringen, comparing absence insurance quotes across seven insurers for SMEs and bundling certified arbodienst services through its in-house Du Gardijn Vitaal unit.

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), Accident & Health Insurance (6321)

akta.pro primary industry

Workers’ Compensation for Small Business & Pay-As-You-Go Programs (FSAJAEAG)

akta.pro secondary industry

Managed Workers’ Compensation (Loss Control, Claims & Return-to-Work Programs) (FSAJAEAH)

Keywords

• Absence insurance brokerage
• Sick leave insurance
• Occupational health services
• Insurance comparison service
• SME insurance advisory

Headquarters

HQ city

Enschede

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance brokerage commissions: Verzekerverzuim.nl acts as an independent insurance broker (tussenpersoon) and earns commissions from insurance companies for policies placed. They compare and place coverage across 7 partner insurers.
2. Arbodienst (occupational health services): Separate occupational health and safety services (arbodienstverlening) offered through Du Gardijn Vitaal, with two packages: Eigen regie pakket at €39.50 per employee per year and Compleet pakket at €169.50 per employee per year.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Verzekerverzuim.nl is an independent insurance broker that requests and compares absence (sick leave) insurance quotes from 7 partner insurers on behalf of Dutch SMEs. The service delivers at least 5 suitable quotes within one working day, supported by a dedicated personal adviser. The company also offers its own certified in-house occupational health service (Du Gardijn Vitaal) that handles absence management and reintegration from first sick day through full recovery.

Product overview

Verzekerverzuim.nl is a label of du Gardijn Verzekeringen, an independent insurance broker with over 30 years of experience. The company offers a comparison service for sick leave insurance (verzuimverzekering) by requesting quotes from 7 different insurers. They combine this with in-house occupational health services (Du Gardijn Vitaal) to provide complete absence management under one roof. Their product portfolio includes the core insurance comparison service plus two arbodienst (occupational health) packages: Eigen Regie Pakket (€39.50/employee/year) for self-directed management and Compleet Pakket (€169.50/employee/year) for full outsourcing.

Differentiator

Problem solved

Functional benefit

Brands

• Du Gardijn Vitaal: In-house occupational health and safety service (arbodienst) that handles absence management, case management, and company doctor services for Verzekerverzuim.nl clients

Products and services

• Verzuimverzekering (Sick Leave Insurance Brokerage) Independent brokerage service that requests and compares absence (sick leave) insurance quotes from 7 partner insurers (Nationale Nederlanden, Avéro Achmea, Quantum Leben, A.s.r., De Goudse, Allianz, Hamilton) for Dutch SMEs, delivering at least 5 suitable quotes within one working day and supported by a dedicated personal adviser. Premium is a percentage of total gross wage bill, typically 1.5% to 5%, with waiting-day excess and coverage-percentage options.
• Du Gardijn Vitaal (Arbodienst / Occupational Health Service) Certified in-house occupational health and safety service (arbodienst) that handles absence management end-to-end, including case management and fixed company doctors, guiding both employers and employees from first sick day through reintegration in compliance with the Dutch Wet verbetering poortwachter. Offered with two service levels: Eigen Regie Pakket (€39.50/employee/year, self-managed with on-demand expert guidance) and Compleet Pakket (€169.50/employee/year, full outsourcing of the absence process).

Quantifiable outcome

• 15% to 30% premium savings on absence insurance
• +4 more outcomes

Named customers10 records

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core and minor.

• Nationale NederlandencoreOthersOne of 7 absence insurers from which Verzekerverzuim.nl requests quotes on behalf of customers. The company compares offerings across all 7 insurers to find the best match and rate for each SME client.
• Avéro AchmeacoreOthersOne of 7 absence insurers from which Verzekerverzuim.nl requests quotes on behalf of customers. Part of the Achmea group, one of the largest insurance providers in the Netherlands.
• Quantum LebencoreOthersOne of 7 absence insurers from which Verzekerverzuim.nl requests quotes on behalf of customers.
• A.s.r.coreOthersOne of 7 absence insurers from which Verzekerverzuim.nl requests quotes on behalf of customers. A.s.r. is a major Dutch insurance company.
• De GoudsecoreOthersOne of 7 absence insurers from which Verzekerverzuim.nl requests quotes on behalf of customers. De Goudse is a Dutch insurer focused on SME markets.
• AllianzcoreOthersOne of 7 absence insurers from which Verzekerverzuim.nl requests quotes on behalf of customers. Allianz is a global insurance group.
• HamiltoncoreOthersOne of 7 absence insurers from which Verzekerverzuim.nl requests quotes on behalf of customers.
• Du Gardijn VitaalcoreStrategic or Co-development PartnerThe company's own certified occupational health service (arbodienst) that handles absence management and re-integration from first sick day through rehabilitation. Provides case managers and fixed company doctors. Average sickness absence of their clients has been below the national average for years.
• DNVminorOthersDNV is one of the largest certification bodies worldwide and provides the annual external audit of the organization. Mentioned as the certification body for Verzekerverzuim.nl's processes.
• SBCA (Stichting Beheer Certificatie Arbodiensten)minorOthersSBCA manages the certification of arbodiensten in the Netherlands. Du Gardijn Vitaal is a certified arbodienst managed through this framework.

Scale indicators6 records

Recent moves2 records

Expansion highlights4 records

Direct peers

• MeesRisicobeheer: Dutch independent insurance broker focused on risk management and business insurance for SMEs and mid-market. Directly comparable as an independent brokerage serving the same Dutch employer customer segment.
• Voogd & Voogd Verzekeringen: Large Dutch independent insurance broker serving SMEs and corporate clients. Comparable business model as an independent tussenpersoon arranging coverage across multiple carriers for Dutch businesses.
• Alpina Group: Dutch insurance broker network focused on SME and consumer segments, operating through independent advisers. Comparable in target market (Dutch SMEs) and independent multi-carrier distribution model.
• Klap Verzekeringsmakelaar: Independent Dutch insurance broker arranging business and absence insurance for SMEs. Directly comparable as an independent broker helping Dutch employers compare and select coverage across carriers.
• du Gardijn Verzekeringen: Parent company and direct peer operating as an independent insurance broker in eastern Netherlands with 30+ years of experience. Same business model (independent brokerage) and overlapping customer base, with Verzekerverzuim.nl functioning as the SME-focused digital sub-brand.

Others

• Meuidam Arbodienst: Dutch certified arbodienst providing occupational health and absence management services. Comparable as a participant in the Dutch arbodienst value chain that Verzekerverzuim.nl delivers via Du Gardijn Vitaal — adjacent rather than directly competitive.

Emerging players

• Pricewise: Dutch comparison site for financial products including insurance. Comparable digital comparison-and-switch proposition, though Pricewise is consumer-oriented rather than SME-focused.
• Independer: Dutch online insurance comparison platform. Comparable in the multi-carrier comparison mechanic Verzekerverzuim.nl uses, though broader across P&C, health, and life rather than absence-only.

Broad incumbents

• Aon Netherlands: Global insurance broker with a large Dutch presence serving corporate and mid-market clients. Comparable in providing absence and employee benefits brokerage and risk advisory, though at a much larger scale and broader scope.
• Marsh Netherlands: Global insurance broker and risk adviser with Dutch operations. Overlaps in employee benefits and absence risk advisory for employers, but serves primarily mid-market and corporate rather than Dutch SMEs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/verzekerverzuim

Compliance2 records

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 Verzekerverzuim.nl