Boveko Bedrijfsverzekeringen

Name

Boveko Bedrijfsverzekeringen

Legal name

Boveko Bedrijfsverzekeringen

Website

https://boveko.nl

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Dalem

HQ country

Netherlands

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance commission (schadeverzekeringen): Boveko receives commission from insurance companies for intermediating and selling property and casualty insurance products (auto, business, liability, etc.). Commission is a percentage of the premium paid by the customer, averaging approximately 20% for standard property and casualty lines. Boveko also handles ongoing policy administration and claims handling as part of this commission.
2. Advisory fees (complex financial products): For complex financial products such as individual disability insurance (AOV), life insurance, and funeral insurance, Boveko charges fixed advisory fees directly to clients rather than receiving commission from insurers. AOV advisory trajectory: €495. Lijfrente advisory: €595. Lijfrente bemiddeling: from €495. Monthly subscription for ongoing AOV service: €30/month.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Boveko Bedrijfsverzekeringen is an independent Dutch insurance brokerage that advises on and arranges tailored commercial insurance packages for businesses, from sole proprietors (ZZP) to mid-sized and larger enterprises. As an intermediary between clients and a network of over 40 insurance companies (including Goudse, NN, ASR, NH1816 and specialised carriers such as SAA, Surebusiness and ABW), Boveko performs on-site risk analysis, recommends appropriate coverage across property, liability, transport, personnel and cyber lines, administers policies, and handles the complete claims process. The firm also provides fixed-fee advisory for complex financial products such as individual disability (AOV), life and funeral insurance.

Product overview

Boveko Bedrijfsverzekeringen is an independent Dutch business insurance brokerage offering a comprehensive portfolio of commercial insurance products through partnerships with over 40 insurers. The company operates on a modular insurance platform architecture, providing both core foundational coverage (liability, property, transport) and specialized niche products. The core insurance modules span: Buildings and Assets (Bedrijfsaansprakelijkheid, Bedrijfsgebouwen, Elektronica, Glas, Inventaris en Goederen, Werkmaterieel), Transport (WEGAM, Wagenpark, Bedrijfsauto, Bestelauto, Vrachtauto, Goederentransport, Inzittenden), Business Continuity (Bedrijfsaansprakelijkheid, Bedrijfsrechtsbijstand, Bedrijfsschade, Bestuurdersaansprakelijkheid, Extra kosten, Milieuschade), Personnel and Illness (Verkeersschade medewerkers, Ongevallen, Verzuimverzekering, WGA, Werknemersschade, Zorg), and Entrepreneur coverage (Particulier, Lijfrente, Arbeidsongeschiktheid/AOV). Specialized products include Cyber- en Data Risks (from €550/year), CAR- en montage, Eigen vervoer, Geld, Koelschade, Reconstructie, as well as sector-specific packages for construction (Dakdekker), legal firms, sports clubs, and VvE associations. The company differentiates through independent advice, claims handling, and annual policy reviews.

Differentiator

Problem solved

Functional benefit

Products and services

• Bedrijfsgebouwenverzekering Insurance coverage for commercial buildings against risks such as fire, storm, water damage and other perils, for business owners across the Netherlands.
• Elektronicaverzekering Coverage for business electronics including computers, phone systems, POS systems and specialised equipment, for Dutch SMEs and larger enterprises.
• Glasverzekering Insurance covering breakage of glass used for light transmission or enclosure purposes in business premises.
• Inventaris en Goederenverzekering Coverage for business assets, stock, machinery and equipment against fire, storm, water, theft or lightning damage.
• Werkmaterieelverzekering Insurance for forklifts, sweepers, shovels and excavators, with WA, limited or full casco coverage options for construction and trades businesses.
• WEGAM verzekering Employer liability insurance for motor vehicle use, covering employee injuries during work-related travel by car, bicycle or public transport.
• Wagenparkverzekering Fleet insurance covering multiple company vehicles under a single policy, for businesses operating several cars, vans or trucks.
• Bedrijfsautoverzekering Insurance for company cars covering liability, damage and related risks, for businesses using company vehicles.
• Bestelauto verzekering Legally required liability insurance for delivery vans, with options for damage cover for small businesses.
• Vrachtauto verzekering Insurance for commercial trucks that are critical to transport and logistics business operations.
• Goederentransportverzekering Coverage for goods when transport is outsourced to carriers, protecting against loss and damage during shipment.
• Inzittendenverzekering Coverage for injuries sustained by passengers in company vehicles.
• Bedrijfsaansprakelijkheidsverzekering (AVB) Liability insurance covering damage caused to third parties by the business, its employees or its materials.
• Bedrijfsrechtsbijstandverzekering

Quantifiable outcome

• 9.2/9.3 out of 10 average customer review score
• +3 more outcomes

Named customers20 records

Segments11 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

16 partnerships are on record, tiered core and minor.

• Van Ekeren Hypotheken & VerzekeringencoreStrategic or Co-development PartnerSister company sharing the same office building in Dalem. Both companies are part of the Van Ekeren group. Van Ekeren specializes in mortgages and personal insurance, providing cross-referrals to Boveko for commercial insurance needs. The two companies share office space and collaborate closely.
• Van Ekeren Kuiper Woning- en BedrijfsmakelaarscoreStrategic or Co-development PartnerSister real estate brokerage company sharing the same office building in Dalem. Van Ekeren Kuiper provides commercial and residential real estate services to the same entrepreneur client base as Boveko, enabling cross-referrals and integrated advice on both real estate and insurance.
• Goudse VerzekeringenminorChannel Partner/ Reseller/ DistributorOne of over 40 insurance companies Boveko works with. Goudse is a major Dutch insurer offering a broad range of commercial insurance products distributed through brokers like Boveko.
• Nationale-Nederlanden (NN)minorChannel Partner/ Reseller/ DistributorMajor Dutch insurer in Boveko's network of 40+ insurers, offering commercial insurance products distributed through Boveko as broker.
• ASR VerzekeringenminorChannel Partner/ Reseller/ DistributorDutch insurance company in Boveko's network of 40+ insurers. Boveko distributes ASR's commercial insurance products to its SME and enterprise clients.
• NH1816 VerzekeringenminorChannel Partner/ Reseller/ DistributorDutch insurer specializing in insurance for specific sectors, available through Boveko's broker network of 40+ insurers.
• SAA (Schade Alarm Assuradeuren)minorChannel Partner/ Reseller/ DistributorSpecialized Dutch insurer available through Boveko's network, offering niche commercial insurance products for specific business sectors.
• SurebusinessminorChannel Partner/ Reseller/ DistributorSpecialty insurer in Boveko's network, offering commercial insurance products for businesses with specific risk profiles.
• ABW VerzekeringenminorChannel Partner/ Reseller/ DistributorSpecialized Dutch insurer in Boveko's network of 40+ insurers, providing commercial coverage for specific business sectors.
• Voogd & VoogdminorChannel Partner/ Reseller/ DistributorVoogd & Voogd operates as a managing general agent (gevolmachtigde) for multiple insurance companies, handling acceptance, administration, premium collection, claims handling, and payouts. Boveko offers Voogd & Voogd insurance cards to clients, indicating an operational partnership for policy management.
• VCNminorChannel Partner/ Reseller/ DistributorVCN operates as a managing general agent (gevolmachtigde) for various insurers, handling acceptance, administration, premium collection, claims handling, and payouts. Boveko offers VCN insurance cards to clients, indicating an operational partnership for policy administration.
• DAS RechtsbijstandminorChannel Partner/ Reseller/ DistributorDAS is a legal expenses insurance specialist. Boveko distributes DAS legal expenses insurance products to business clients as part of comprehensive commercial insurance packages.
• Nationale Nederlanden (Verzekeringskaarten)minorChannel Partner/ Reseller/ DistributorBoveko provides Nationale Nederlanden insurance information cards to clients, distributing NN's insurance products through its broker services.
• Reaal VerzekeringenminorChannel Partner/ Reseller/ DistributorBoveko offers Reaal insurance cards to clients, distributing Reaal insurance products through its advisory and brokerage services.
• ARAG RechtsbijstandminorChannel Partner/ Reseller/ DistributorARAG is a legal expenses insurance specialist. Boveko distributes ARAG legal expenses insurance products to business and personal clients, offering Flexpolis and ProRechtPolis coverage options.
• ASR Verzekeringen (Verzekeringskaarten)minorChannel Partner/ Reseller/ DistributorBoveko provides ASR insurance information cards to clients, indicating distribution of ASR products through Boveko's advisory services.

Scale indicators8 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Aon Netherlands: Aon is a global insurance and risk-management broker with a substantial Dutch presence serving mid-market and large enterprises. It is comparable to Boveko in offering commercial insurance brokerage and risk advisory, but with a much broader portfolio including reinsurance, HR consulting, and global capabilities.
• Willis Towers Watson Netherlands: WTW is a global advisory and insurance brokerage firm with operations in the Netherlands. It overlaps with Boveko in commercial insurance placement and risk advisory, but its Dutch presence serves primarily mid-market to large enterprises rather than regional SMEs.
• Marsh Netherlands: Marsh is a global insurance broker and risk advisor with a Dutch office serving corporate and SME clients. It is comparable to Boveko in intermediating commercial insurance and advising on risk, but operates at significantly larger scale with international capabilities and a focus on larger enterprise accounts.
• De Goudse Verzekeringen: De Goudse is a Dutch insurer that both distributes directly and works through independent brokers like Boveko. It competes with Boveko on certain SME lines through its direct offering while also being a key carrier partner — a structural overlap in target customer and product category.
• ING Insurance Services: ING distributes insurance products to Dutch retail and SME customers through its banking channel, including business liability and property coverage. It is comparable to Boveko in targeting Dutch SMEs for commercial insurance but uses a bank-anchored distribution model rather than independent advisory.
• Rabobank Insurance Services: Rabobank distributes insurance products to its Dutch banking customers, including SME commercial policies, through its local bank network. It competes with Boveko for the same Dutch SME segment but benefits from an embedded banking-distribution channel that pure brokers lack.

Direct peers

• Meeùs: Meeùs is a large independent Dutch insurance broker with multiple offices throughout the Netherlands, offering personal, business, and specialty lines through a wide carrier panel. It is directly comparable to Boveko in that both are independent intermediaries distributing multi-line commercial insurance to Dutch SMEs, though Meeùs operates at much larger national scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/BOVEKO

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 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 Boveko Bedrijfsverzekeringen