Cowins

What Cowins does

Cowins Forsikringsmægler A/S is a Denmark-based independent insurance brokerage (forsikringsmægler) regulated by Finanstilsynet, serving Danish commercial clients across six primary verticals: transport and logistics, craftsmen and contractors, real estate and property, restaurants and food industry, trade unions and member organizations, and wholesale/retail/manufacturing. The firm provides needs analysis, policy review, competitive bidding/RFP processes, claims handling, and ongoing policy administration, with client access via a web-based Kundelogin portal for document and policy management.

The business is structured as a partner-led professional services firm owned and operated by four senior partners — Steen Douglas Bruun (CEO), Trine Hviid Larsen (COO), Marco R. Schmidt (CTO), and Lars Wayland (CSO) — who collectively hold over 80 years of insurance industry experience, including 50+ years specifically in transport-sector insurance. Revenue is generated through client-paid honoraria negotiated individually via cooperation agreements, rather than through commissions paid by insurance companies, positioning Cowins as a fully independent advisor.

The firm operates from two physical offices (Køge and Aabenraa), is a member of the Euribron international broker network to support cross-border client needs, holds GDPR compliance, and maintains mandatory professional liability insurance. Founded in 2023, Cowins is in its early operating phase and has no disclosed revenue, external funding, or parent company.

Name

Cowins

Legal name

Cowins Forsikringsmægler A/S

Website

https://cowins.dk

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

11–50 employees

Short description

Cowins Forsikringsmægler A/S is an independent Danish commercial insurance broker serving mid-market businesses across transport, construction, real estate, food service, trade unions, and wholesale/retail verticals, with two offices in Køge and Aabenraa and partnership access via the Euribron international network.

Ownership category

akta.pro rank

Headquarters

HQ city

Køge

HQ country

Denmark

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Services: Cowins operates as an independent insurance broker earning fees directly from clients for advisory, analysis, policy management, and claims handling services. They explicitly state they are independent and do not receive payment from insurance companies, receiving only client-side honorariums for their work.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Cowins is an independent insurance brokerage firm (Cowins Forsikringsmægler A/S) based in Denmark that provides advisory and brokerage services for commercial clients. Core activities include needs analysis, policy review, competitive bidding between insurers, claims handling, and ongoing administration of insurance programs across multiple industry verticals.

Product overview

Cowins Forsikringsmægler A/S is an independent insurance brokerage firm offering a unified service for commercial insurance. Their core offering is their insurance brokerage service, which encompasses needs analysis, policy review, insurance bidding/rfp processes, claims handling, and ongoing administration. They provide industry-specific insurance solutions for transport, craftsmanship/contractors, real estate, restaurants/food, wholesale/trade, and IT sectors. Clients access their solutions through a customer portal (Kundelogin) for document access and management.

Differentiator

Problem solved

Functional benefit

Products and services

• Insurance Brokerage (Forsikringsmægler)

Quantifiable outcome

• Optimal insurance solutions tailored to each business's specific risk profile
• +1 more outcomes

Segments6 records

Ideal customer profiles6 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• EuribroncoreChannel Partner/ Reseller/ DistributorEuribron is an international insurance broker network. Cowins is a member of this network, enabling them to provide insurance solutions for clients who operate internationally or have cross-border insurance needs. This partnership extends their service capabilities beyond Denmark to serve clients with international operations.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Lockton: World's largest independent insurance brokerage, often cited as the model for independent, client-aligned commercial broking. Operates across Europe and shares Cowins' value proposition of being free of insurer commission influence — though at far greater scale.
• Howden: Independent insurance broker with a rapidly growing European footprint including the Nordics. Closely comparable to Cowins in business model — independent, client-paid, vertical specialism — but operating at meaningfully larger scale and with international reach.

Others

• Euribron: International insurance broker network of which Cowins is a member. Not a direct competitor but a partner and ecosystem enabler; other independent brokers in the network serve comparable functions in their respective markets, making the network a useful peer reference for Cowins' positioning.

Broad incumbents

• Aon: Global insurance and reinsurance broker with a strong Danish presence, providing risk management, commercial broking, and claims services to mid-market and enterprise clients — directly overlapping Cowins' core offering for larger accounts.
• Willis Towers Watson (WTW): International insurance brokerage and advisory firm operating across the Nordics. Competes with Cowins for commercial insurance placements and brings cross-border capabilities and scale that small Danish independents must partner (e.g., via Euribron) to match.
• Arthur J. Gallagher: Global insurance brokerage and risk management firm with operations across Europe. Competes with Cowins for mid-market and specialty commercial accounts and provides broader risk and claims capabilities the Danish firm cannot match in-house.
• Marsh McLennan: Global insurance brokerage and risk advisory giant with Nordic operations including Denmark. Offers the same commercial insurance intermediation Cowins provides but at vastly greater scale, including international program placement capabilities that Cowins accesses via Euribron.

Regional players

• Gjensidige Forsikring: Leading Nordic insurance group with significant Danish operations offering commercial property, transport, and liability cover. Although primarily an insurer rather than broker, it directly competes with Cowins' clients' alternatives and shapes pricing in the Danish market.
• Tryg: Major Nordic insurer operating in Denmark through Tryg Danmark. Provides commercial lines including transport and contractor cover, competing for the same end-customers Cowins advises and putting competitive pressure on broker commission and fee levels.
• Codan (RSA / Intact): One of Denmark's largest insurers, now part of RSA/Intact, offering commercial lines across the same verticals Cowins serves (transport, contractors, real estate, restaurants). A primary counterparty — and competitive alternative — to independent brokers in Denmark.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/cowins

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Cowins