Zevenwouden Verzekeringen

What Zevenwouden Verzekeringen does

Zevenwouden Verzekeringen is a Dutch mutual non-life insurance company (onderlinge waarborgmaatschappij) headquartered in Leeuwarden, Friesland, operating under the statutory name Algemene Friesche Onderlinge Schadeverzekeringsmaatschappij Zevenwouden. Founded in 1850 as the Onderlinge Brandwaarborgmaatschappij te Leeuwarden, the company merged with AFOS Zevenwouden in Heerenveen in 2012 to form a stronger regional mutual insurer. Zevenwouden serves both private individuals (particulier) and small/medium-sized businesses (zakelijk) in Northern Netherlands with a property-and-casualty product set that spans home (Woonhuis), contents (Inboedel), travel, liability, accident, legal expenses, environmental damage, mobile electronics, valuables, holiday home, and thatched-roof (rietgedekt) specialty coverage on the private side, plus business buildings, inventory, electronics, business interruption, extra costs, environmental liability, and reconstruction coverage on the commercial side. The 2025 Inboedelverzekering Alle Gevaren received a 5-star rating from independent Dutch research bureau MoneyView.

The company operates without a proprietary customer-facing technology platform, relying on policy administration systems and standard integrations (eHerkenning for Dutch SSO) inside a traditional insurance operational model. Its go-to-market is exclusively indirect: distribution is handled by approximately 23 authorized underwriting agencies (gevolmachtigde agents), including Nedasco, Quintes Underwriting, NLG Verzekeringen, Procuraat, Heuts, GABA, and others, who manage quoting, policy issuance, premium collection, and claims handling on Zevenwouden's account and risk; there is no direct-to-consumer channel. Specialized claims and legal services are outsourced to Schadetax (personal injury) and DAS (legal expenses), and risk inspection/prevention content is delivered in partnership with Troostwijk BvT. Revenue is generated through recurring insurance premiums collected via the gevolmachtigde network.

Effective 1 July 2026, Zevenwouden's insurance portfolio is being transferred to Goudse Schadeverzekeringen N.V. (De Goudse) under an acquisition announced on 26 February 2026 and subject to DNB and AFM regulatory approval. De Goudse becomes the new risk carrier for Zevenwouden policies, with premiums, coverage, and conditions unchanged at transition. The company is regulated by De Nederlandsche Bank (DNB) and the Authority for the Financial Markets (AFM) under the Solvency II framework, complies with GDPR/AVG and the Code of Conduct for Processing Personal Data by Insurers, and is a member of the Dutch insurance association (Verbond van Verzekeraars) and Kifid dispute resolution.

Name

Zevenwouden Verzekeringen

Legal name

Algemene Friesche Onderlinge Schadeverzekeringsmaatschappij Zevenwouden

Website

https://zevenwouden.nl

Company type

Private

Founded year

1850

Operating status

Operating

Headcount range

11–50 employees

Short description

Zevenwouden Verzekeringen is a Dutch mutual non-life insurer founded in 1850 and headquartered in Leeuwarden, serving private households and SMEs in Northern Netherlands through approximately 23 authorized underwriting agents (gevolmachtigden), with a specialty in rietgedekt (thatched-roof) property insurance and a portfolio effective 1 July 2026 transferring to De Goudse.

Ownership category

akta.pro rank

Product category

Non-Life Insurance

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

Keywords

• Non-life insurance
• Mutual insurer
• Property insurance
• Authorized underwriting agents
• Commercial insurance Netherlands

Headquarters

HQ city

Leeuwarden

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Schadeverzekeringspremies (Non-life insurance premiums): Zevenwouden generates revenue through insurance premiums collected from policyholders. Insurance products include inboedel (contents), woonhuis (buildings), recreatiewoning (holiday homes), reis (travel), aansprakelijkheid (liability), ongevallen (accident), rechtsbijstand (legal expenses), milieuschade (environmental), zakelijke verzekeringen (commercial property, business interruption, inventory, electronics), and specialty coverage for rietgedekt (thatched) properties. Premiums are collected via gevolmachtigde agents.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Zevenwouden Verzekeringen is a Dutch mutual non-life insurance company that provides property and casualty (schade) insurance products to private individuals and small/medium-sized businesses. Its offerings span contents, building, valuables, travel, liability, accident, legal expenses, environmental damage, thatched-roof, holiday home, and commercial property categories. Products are distributed exclusively through ~23 authorized underwriting agencies (gevolmachtigde agents) that handle the full insurance lifecycle on Zevenwouden's behalf. The company specializes in thatched-roof (rietgedekt) property insurance tailored to the Northern Netherlands market.

Product overview

Zevenwouden Verzekeringen is a Dutch mutual insurance company (onderlinge waarborgmaatschappij) offering property and casualty insurance products exclusively through authorized agents (gevolmachtigden). The company provides two main insurance categories: private (particuliere) insurance covering homes, contents, valuables, travel, legal expenses, liability, accidents, and specialized thatched-roof homes; and business (zakelijke) insurance covering commercial buildings, inventory, electronics, business interruption, extra costs, environmental liability, and reconstruction costs. The product portfolio includes both individual stand-alone products and bundled package offerings such as the 'Uit & Thuis Pakket' for consumers and 'GroenLicht Keuzepakket Zakelijk' for business customers. Zevenwouden operates as a volmachtverzekeraar (underwriting agent), with insurance distribution handled through a network of authorized insurance agents rather than direct sales.

Differentiator

Problem solved

Functional benefit

Products and services

• Inboedelverzekering Contents insurance covering household belongings against damage from fire, theft, burglary, leakage, or other unexpected events, with guaranteed coverage up to €250,000, smartphone coverage for basic risks, and up to 10 years of new-value compensation. Targeted at private households.
• Woonhuisverzekering Home buildings insurance covering damage from fire, burglary, vandalism, rainfall, storm, or other unexpected events to the primary residence, with guaranteed coverage up to €1,000,000 and standard coverage for solar panels. Targeted at homeowners.
• Kostbaarhedenverzekering Valuables insurance covering expensive personal property including jewelry, collections, and heirlooms with worldwide coverage and fast claims settlement. Targeted at private individuals with high-value personal items.
• Milieuschadeverzekering (Particulier) Environmental damage insurance for private households covering costs for removing asbestos and other environmental hazards, including damage from solar panel particles after a fire. Targeted at homeowners.
• Ongevallenverzekering Personal accident insurance providing a lump-sum payment for permanent disability or death, with coverage for the entire family including studying children. Targeted at private individuals and families.
• Rechtsbijstandverzekering Legal expenses insurance providing legal advice and assistance from experienced DAS lawyers with no deductible for various legal situations. Targeted at private individuals facing disputes.
• Particuliere Aansprakelijkheidsverzekering Personal liability insurance covering damages to others up to €2,500,000, including family members and friend services up to €25,000. Targeted at private individuals and families.
• Doorlopende Reisverzekering Annual travel insurance with worldwide coverage insuring the whole family including studying children and live-in relatives, with optional cancellation coverage. Targeted at private families and individuals who travel.
• Rietgedekt Woonhuis/Inboedel Verzekering Specialized insurance for thatched-roof (rietgedekt) homes and contents with guaranteed coverage up to €1,000,000 (building) and €250,000 (contents), including extensive fire-prevention advice. Targeted at owners of thatched-roof houses in the Northern Netherlands.
• Recreatiewoningverzekering Holiday home insurance covering the building and contents against damage including frost damage, with optional recreation rental coverage and standard all-risks protection. Targeted at owners of recreational/holiday homes.
• Bedrijfsgebouwenverzekering Business building insurance for commercial properties, outbuildings, and fences with custom solutions available for various business needs. Targeted at SMEs owning or leasing commercial premises.
• Inventaris- en Goederenverzekering Business inventory and goods insurance providing direct compensation for damage or theft of production equipment and trade inventory, with risk assessment by Zevenwouden's own inspectors. Targeted at SMEs needing commercial inventory coverage.
• Elektronicaverzekering Business electronics insurance covering computers, laptops, cash registers, scanning systems, and measuring equipment against damage or theft, with new-value compensation available. Targeted at SMEs dependent on commercial electronics.
• Bedrijfsschadeverzekering Business interruption insurance compensating for lost net profit and fixed costs when business operations stop due to fire, theft, or other damage, with free overcoverage up to 30%. Targeted at SMEs needing continuity protection.
• Extra Kostenverzekering Commercial extra costs insurance covering unexpected expenses to resume business operations quickly after damage, including rental of replacement equipment and communication costs. Targeted at SMEs seeking rapid operational recovery.
• Milieuschadeverzekering (Zakelijk) Business environmental liability insurance covering costs for cleaning up soil or water contamination, including optional work locations and solar panel particle cleanup. Targeted at SMEs with potential environmental exposure.
• Reconstructiekostenverzekering Reconstruction costs insurance covering expenses for restoring business administration and financial records after major damage, with compensation up to the insured amount for a maximum of 52 weeks. Targeted at SMEs needing recovery of business records.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Partnerships

Four partnerships are on record, tiered minor and core.

• SchadetaxminorStrategic or Co-development PartnerZevenwouden outsources personal injury (letselschade) claims handling to partner Schadetax. Schadetax handles claims in accordance with the Gedragscode Behandeling Letselschade (GBL). Zevenwouden provides a flyer to customers explaining what to expect from Schadetax.
• DASminorStrategic or Co-development PartnerDAS provides experienced lawyers for legal expenses insurance (rechtsbijstandverzekering) policyholders of Zevenwouden. The partnership provides policyholders with access to DAS's legal expertise for disputes covered under the policy.
• Troostwijk BvTminorStrategic or Co-development PartnerTroostwijk BvT is a specialist in risk inspections and risk assessments. They provide Zevenwouden with prevention fact sheets for chimney fires related to wood and pellet stoves, including guidelines for installation, chimney maintenance, and safe burning practices.
• De Goudse Schadeverzekeringen N.V.coreStrategic or Co-development PartnerDe Goudse (Goudse Schadeverzekeringen N.V.) is acquiring the insurance portfolio of AFOS Zevenwouden U.A. (Zevenwouden), including the volmachtbedrijf Noorderlinge verzekeraars, effective 1 July 2026. The acquisition is subject to approval by regulators (DNB and AFM). Upon closing, De Goudse becomes the new risk carrier (risicodrager) for Zevenwouden's policies. Premiums, coverage, and conditions remain unchanged.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Nationale-Nederlanden: Nationale-Nederlanden (NN Group) is a major Dutch insurer offering home, contents, liability, travel, and legal expenses products to private customers. It overlaps directly with Zevenwouden's private P&C portfolio but operates at much greater scale and through both direct and broker channels.
• Interpolis:
• Centraal Beheer: Centraal Beheer is an Achmea-owned Dutch insurer offering a broad range of private and business non-life products (home, contents, liability, legal aid, travel, business interruption). It overlaps with Zevenwouden on essentially every P&C product but operates nationally with significantly greater scale and direct digital channels.
• Achmea: Achmea is the largest Dutch insurance group, with brands including Centraal Beheer, Interpolis, FBTO, and Zilveren Kruis. Its non-life subsidiaries cover the full private and SME P&C spectrum that Zevenwouden serves, making it a direct broad-market incumbent competing for the same intermediaries and end customers.
• ASR Nederland N.V. ASR Nederland is one of the largest Dutch insurance groups, underwriting P&C, life, and health products across retail and SME segments. It competes with Zevenwouden across virtually all of the same product categories but at national scale and through both direct and intermediary channels.

Direct peers

• De Goudse Schadeverzekeringen N.V. De Goudse is a Dutch mid-sized non-life insurer and the acquirer of Zevenwouden's portfolio effective July 2026. It directly compares because it underwrites a similar set of SME and private P&C products (commercial buildings, liability, legal expenses, accident) through the gevolmachtigde channel, and now assumes Zevenwouden's risk book.
• Univé: Univé is a Dutch cooperative mutual insurer offering private and SME non-life insurance (home, contents, liability, travel, legal aid) distributed through a regional intermediary network. The mutual/cooperative structure, regional intermediary model, and P&C product mix closely mirror Zevenwouden's positioning in the Dutch market.
• Klaverblad Verzekeringen: Klaverblad is a Dutch mutual insurer historically focused on agricultural and SME non-life risks, distributing through independent intermediaries. Its mutual governance, niche-specialty heritage, and intermediary-led distribution make it one of the closest structural and product analogs to Zevenwouden.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/brandspecialist

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 Zevenwouden Verzekeringen