Yinco

What Yinco does

Yinco is a Dutch gevolmachtigd verzekeringsbedrijf (authorized insurance intermediary) and Lloyd's of London coverholder, operating as a subsidiary of Yellow Hive. The company was formed in 2023 through the merger of DIN Assuradeuren and Driessen Assuradeuren and is headquartered in Poortugaal with additional offices in Lisse, Den Haag, Houten, Voorburg, and Maarssen. Its primary customer base is 500+ affiliated insurance advisors across the Netherlands, supported by 44 FTE at Yinco level (with 450+ colleagues across the wider Yellow Hive group). The company is regulated by the AFM, registered with KIFID, holds Lloyd's coverholder authority, and is a member of NVGA.

Yinco offers a broad insurance product portfolio spanning personal lines, business lines, and specialty niches (including media production), underwritten via partnerships with 25+ insurers. Its technology layer comprises dedicated portals — Adviseursportaal and Agentenportaal for advisor-facing policy administration, VIPPO for package-policy administration, and MijnAanspraak for end-customer claim visibility — supplemented by Aplaza for document workflow. Together these components function as an integrated intermediary back-office rather than a consumer-facing insurance product.

The business model is commission-based: Yinco earns commissions on brokered premiums routed through its advisor channel, supplemented by a €2.50 per-collection-moment service fee on payment flows. The company has expanded via two 2024 acquisitions — apc holland (closed September 2024) and Waerdenburgh Assuradeuren — adding both portfolio breadth and advisor reach. No external funding rounds, public financial disclosures, or AI/ML capabilities are mentioned in the source material.

Name

Yinco

Legal name

Yinco B.V.

Website

https://yinco.nl

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

11–50 employees

Short description

Yinco is a Dutch authorized insurance intermediary and Lloyd's of London coverholder, formed in 2023 from the DIN and Driessen Assuradeuren merger, serving 500+ Dutch advisors via 25+ insurer partnerships and a portal-based back office.

Ownership category

akta.pro rank

Headquarters

HQ city

Poortugaal

HQ country

Netherlands

HQ region

Europe

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission: Yinco earns commission on insurance premiums as an authorized insurance company (volmachtbedrijf). They charge a service fee of €2.50 per collection moment (incassoment) for policy administration, development and maintenance of ICT tools.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Yinco operates as a gevolmachtigd verzekeringsbedrijf (authorized insurance company) and coverholder of Lloyd's of London, acting as the intermediary between more than 25 Dutch and international insurers and a network of 500+ insurance advisors in the Netherlands. The company underwrites and administers a comprehensive portfolio of personal, commercial, and specialty-niche insurance products, leveraging digital advisor/agent portals and Aplaza integration to streamline policy administration for advisors and their end-customers.

Product overview

Yinco is a full-service insurance intermediary (gevolmachtigd verzekeringsbedrijf) offering a comprehensive portfolio of insurance products through a network of over 500 insurance advisors. The company operates as a coverholder of Lloyd's of London and partners with both Dutch and international insurers. Yinco's offering consists of core private insurance products (liability, auto, home contents, building, legal expenses, travel, wedding), business insurance products (business liability, professional liability, business interruption, cyber, inventory, fleet, absence insurance via Yinco Health), and specialty insurance packages for specific industries (hospitality, retail, events, media production, jewelers, couriers, real estate, holiday homes, VvE associations). The company also offers digital advisor and agent portals for policy management. Yinco expanded through acquisitions including apc holland and Waerdenburgh Assuradeuren, integrating them under the Yellow Hive umbrella. Core insurance products are complemented by the Aplaza integration for automated document flow and the Ondernemerspakket (Entrepreneurs Package) as a comprehensive bundled solution.

Differentiator

Problem solved

Functional benefit

Products and services

• Ondernemerspakket (Entrepreneurs Package) Comprehensive business insurance package for entrepreneurs covering buildings, contents, business interruption, liability, environmental damage, and computer breakdown with customizable supplementary coverages.
• Milieuschadeverzekering (Environmental Damage Insurance) Insurance coverage for environmental damage remediation, including solar panel particle contamination, asbestos removal costs, investigation costs, and legal defense expenses.
• Horecapakket (Hospitality Package) Complete insurance solution for hospitality businesses covering business damage, liability for e-bikes, terrace furniture, and standard 20% rental loss coverage.
• Yinco Health (Absence Insurance) Absence management solution covering salary continuation during illness, reintegration support via PersonPlus, and optional absence prevention programs.
• Particuliere Verzekeringen (Private Insurance) Range of personal insurance products including liability, auto, home contents, building, legal expenses, travel, and wedding insurance for individual customers.
• Zakelijke Verzekeringen (Business Insurance) Commercial insurance products including business liability, professional liability, business damage, cyber, inventory/goods, and fleet insurance for enterprises.
• Reisverzekering (Travel Insurance) Travel insurance available as short-term or annual policies covering emergency assistance, medical costs, repatriation, baggage, and optional modules for dangerous sports and cancellation.
• Rechtsbijstandverzekering (Legal Expenses Insurance) Legal assistance insurance covering consumer disputes, traffic incidents, employment matters, tax issues, and medical claims with optional modules for various life situations.
• Opstalverzekering (Building Insurance) Insurance covering damage to fixed elements of a home including windows, kitchen, bathroom, built-in wardrobes, floors, and solar panels against fire, storm, water, and theft.
• Inboedelverzekering (Home Contents Insurance) Insurance for movable property including antiques, art, jewelry, and instruments against fire, water damage, theft, and breakage with optional modules for glass and valuables.
• Autoverzekering (Car Insurance) Vehicle insurance with three coverage levels: WA (liability), Limited Casco, and All-risk, with optional accident, breakdown, and legal assistance coverage.
• Aansprakelijkheidsverzekering (Liability Insurance) Personal liability coverage for damage caused to others' property, by minor children, or pets, with optional enhanced coverage for pets.
• Huwelijksverzekering (Wedding Insurance) Insurance covering financial consequences of unexpected events around weddings including cancellation, extreme weather, gift damage, and attire protection.
• Cyberverzekering (Cyber Insurance) Business cyber insurance covering liability claims, own damage from cybercrime, crisis management costs, and support from cybersecurity and forensic specialists.
• Bedrijfsaansprakelijkheidsverzekering (Business Liability Insurance) Commercial general liability coverage for damage caused by business activities, employees, or products to third parties' property or persons.
• Beroepsaansprakelijkheidsverzekering (Professional Liability Insurance) Professional liability coverage for financial losses caused by professional errors, including legal defense costs, for advisors, accountants, lawyers, architects, and other professionals.
• Bedrijfsschadeverzekering (Business Interruption Insurance) Coverage for loss of income when business operations are interrupted due to fire, water damage, vandalism, or street closures, covering fixed costs and net profit.
• Inventaris- en Goederenverzekering (Inventory & Goods Insurance) Insurance for business inventory, equipment, and merchandise against fire, water, theft, and vandalism, including coverage for reduced income during downtime.
• Kostbaarhedenverzekering (Valuables Insurance) All-risk insurance for valuable items including jewelry, paintings, antiques, and watches against theft, damage, loss, and disappearance worldwide.
• VvE Verzekering (Owners Association Insurance) Insurance for apartment complexes covering building damage, glass, home improvements up to €10,000 per apartment, liability, legal expenses, and director liability.
• Vastgoedverzekering (Real Estate Insurance) Comprehensive property insurance covering buildings, glass, liability, and legal expenses, with special coverage for vacant properties and ability to bundle multiple properties on one policy.
• Mediaproductieverzekering (Media Production Insurance) Insurance for film, documentary, and media productions covering recording materials, key person replacement, extra costs, production materials, third-party property, and cash loss.
• Koeriersverzekering (Courier Insurance) Vehicle insurance for couriers with coverage options for vehicle damage, carrier liability, legal support, passenger injury, and 24/7 assistance.
• Juweliersverzekering (Jeweler Insurance) All-risk insurance for jewelers covering robbery, burglary, theft, and damage with optional coverage for shipments, cash, goods at exhibitions, and home inventory.
• Recreatiewoningverzekering (Holiday Home Insurance) Insurance for holiday homes covering theft, vandalism, natural damage, glass, seasonal storage, tenant liability, and optional contents coverage.
• Horecaverzekering (Hospitality Insurance) Complete hospitality insurance covering fire, storm, theft, business interruption, and liability with optional add-ons for specific hospitality risks.
• Groepsreisverzekering (Group Travel Insurance) Insurance for group travel covering cancellation costs, additional expenses, third-party liability, non-appearance, and baggage/medical coverage.
• Evenementenverzekering (Event Insurance) Event cancellation and liability coverage for permits, illness, extreme weather, material, medical costs, and loss of income/profit.
• Detailhandelverzekering (Retail Insurance) Retail business insurance covering buildings, tenant improvements, business interruption, inventory, electronics, liability, absence, environmental damage, and legal expenses.
• Adviseursportaal (Advisor Portal) Digital portal for insurance advisors to manage policies, submit applications, access documents, and administer insurance products for their clients.
• Agentenportaal (Agent Portal) Digital portal for agents to manage documents, policies, and client administration with integrated workflow capabilities.
• Inkomenspakket (Income Package) Package covering income-related risks for businesses, including absence insurance and related income protection products.

Quantifiable outcome

• More than 500 insurance advisors work with Yinco, indicating strong channel partner network
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Partnerships

30 partnerships are on record, tiered core and minor.

• apc hollandcoreOthers · 9 September 2024apc holland specializes in damage and income insurance, building custom and niche insurance products from advisor needs, focused on entrepreneurs and private real estate portfolios. They utilize digital systems to simplify advisor work. As of September 2024, apc holland became part of Yinco.
• DIN Assuradeuren (merged into Yinco)coreOthers · 1 September 2023In fall 2023, DIN Assuradeuren and Driessen Assuradeuren merged under the name Yinco as the volmachtbedrijf (authorized insurance company) under Yellow Hive.
• Allianz BeneluxcoreOthersMajor international insurer providing property and casualty insurance products through Yinco's network.
• Allianz PartnerscoreOthersInternational insurance assistance and specialty insurance partner.
• Amtrust International UnderwriterscoreOthersSpecialty insurer focused on niche markets and program business.
• ARAGcoreOthersLegal expenses insurance specialist.
• a.s.r.coreOthersDutch insurance company offering a wide range of insurance products.
• Avéro AchmeacoreOthersDutch health and general insurer under Achmea group.
• BeazleycoreOthersLloyd's insurer specializing in professional liability, cyber, and specialty insurance.
• Ergo VersicherungcoreOthersGerman insurer part of Munich Re Group.
• ChubbcoreOthersGlobal insurance company specializing in property and casualty coverage.
• DAScoreOthersLegal expenses insurance specialist in the Netherlands.
• De GoudsecoreOthersDutch insurer focused on SME and mid-market business insurance.
• Guardian Group NederlandcoreOthersDutch insurance company providing various coverage options.
• HDI GlobalcoreOthersIndustrial insurer providing property and casualty insurance for large risks.
• HDI Global SpecialtycoreOthersSpecialty lines insurer part of HDI Group.
• HiscoxcoreOthersLloyd's insurer specializing in specialty insurance, professional liability, and cyber.
• Klaverblad Schadeverzekeringsmaatschappij N.V.coreOthersDutch insurer known for personal lines coverage.
• Lloyd's Insurance CompanycoreOthersYinco is a coverholder of Lloyd's of London, providing access to global insurance capacity for complex and unusual risks.
• MarkelcoreOthersSpecialty insurer providing coverage for niche markets and hard-to-place risks.
• MidglasminorOthersGlass insurance specialist.
• MS AmlincoreOthersLloyd's insurer providing reinsurance and specialty insurance.
• Nationale-NederlandencoreOthersMajor Dutch insurer offering life and non-life insurance products.
• Samenwerking GlasverzekeringminorOthersDutch glass insurance specialist consortium.
• Tokio Marine EuropecoreOthersEuropean arm of Japanese insurer specializing in corporate insurance.
• Tokio Marine KilncoreOthersLloyd's syndicate part of Tokio Marine Group.
• UniGarant Verzekeringen N.V.coreOthersDutch insurer providing various coverage solutions.
• Quantum Leben AGminorOthersSwiss life insurance company.
• Yellow HivecoreOthersParent company of Yinco. Yellow Hive is a dynamic financial services organization active in the insurance sector, serving both private individuals and businesses. Yellow Hive includes brands Yinco, You Sure, and Felixx werk & inkomen, with approximately 450+ colleagues.
• Waerdenburgh AssuradeurencoreOthersCollective of insurance companies offering expertise in insurance, risk management, pension provisions, mortgages, and financial planning. They serve both private and business customers through a network of specialists.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Aevitae: Dutch insurance intermediary operating an authorized agent model that places personal and business lines through advisors; shares Yinco's intermediary-plus-multi-carrier structure.
• AnsvarIdéale: Dutch authorized insurance agent (gevolmachtigd agent) placing SME, charity, and non-profit business across multiple carriers through an advisor network — directly comparable volmachtbedrijf structure to Yinco.
• Riskpoint: Dutch risk advisory and insurance intermediary that places complex and specialty risks for corporate clients, sharing Yinco's positioning as a Lloyd's-access intermediary serving hard-to-place exposures.
• Klap Verzekeringsmakelaar: Dutch insurance broker arranging personal and commercial coverage through advisor relationships with multiple carriers, providing a comparable intermediary business model to Yinco in the domestic market.
• Voogd & Voogd: One of the largest independent Dutch insurance brokers and authorized agents, operating a multi-line portfolio through an advisor channel that closely mirrors Yinco's volmachtbedrijf and 500+ advisor distribution model.

Broad incumbents

• Howden Group: International insurance broker with significant Dutch footprint and Lloyd's connectivity; broader incumbent combining specialty, retail, and wholesale intermediation that overlaps Yinco's positioning.
• Aon Netherlands: Global insurance and risk advisory firm with Dutch operations serving corporate clients; broader incumbent offering competing intermediation at scale across lines where Yinco also operates.
• Allianz Benelux: Major Dutch insurer named as a core Yinco carrier partner; broader incumbent with full personal and commercial line capabilities, illustrating both the supply relationship and the direct-distribution competitive threat.
• Marsh Netherlands: Global insurance broker and risk advisor with Dutch operations; broader incumbent offering overlapping intermediation services to the same corporate advisor channel that Yinco serves.
• De Goudse: Established Dutch P&C and life insurer focused on SME and mid-market, listed as a Yinco carrier partner; competes with and supplies Yinco simultaneously, providing a dual competitor/counterparty reference.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/yinco

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 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 Yinco