OWM Achterhoek

What OWM Achterhoek does

OWM Achterhoek is a Dutch mutual insurance cooperative (Onderlinge Waarborg Maatschappij Achterhoek U.A.) founded in 1851 in the Achterhoek region of the Netherlands, where farmers originally pooled to insure against fire risk. Operating under a mutual structure (U.A. — Uitgesloten Aansprakelijkheid) for 175 years without ever merging or being acquired, the company is owned by its policyholder-members and returns a portion of premiums to members in years with favorable claims experience. The business is led by a two-person directie (Berny Gunsing and Reinie Keijzer) and employs 29 staff as of 2026 across two physical offices in Aalten (headquarters, Industriestraat 1) and Eibergen.

The company's product architecture follows a two-tier model: own-brand fire, property, and contents insurance products underwritten directly by OWM Achterhoek, complemented by brokered third-party products from SOM (Verzekeringsmaatschappij) covering auto, travel, liability, legal aid, accident, funeral, life risk, motorcycle, caravan, and agricultural lines. Additional offerings include the LedenPlusPolis bundle with up to 10% multi-policy discounts, mortgage advisory through a 2019 partnership with Achterhoek Hypotheken, and the Mijn Onderlinge digital self-service portal for policy management. Insured capital stood at over €4 billion as of 2026, up from approximately 40,000 guilders at founding.

Revenue is generated through two streams: insurance premiums collected on own-brand property and contents policies (the underwriting line), and commissions from intermediating SOM policies plus Achterhoek Hypotheken mortgage placements (the brokerage/affiliate line). Distribution is direct-to-consumer through the two regional offices combined with digital self-service for existing customers, supported by Facebook organic presence and Verbond van Verzekeraars industry association membership. The customer base spans private individuals, small and medium-sized businesses, and agricultural clients — the founding segment — across the Achterhoek region.

Name

OWM Achterhoek

Legal name

Onderlinge Waarborg Maatschappij Achterhoek U.A.

Website

https://owmachterhoek.nl

Company type

Private

Founded year

1851

Operating status

Operating

Headcount range

11–50 employees

Short description

OWM Achterhoek is a 175-year-old Dutch mutual insurance cooperative serving private individuals, SMBs, and agricultural clients in the Achterhoek region with own-brand property insurance and brokered SOM insurance products.

Ownership category

akta.pro rank

Headquarters

HQ city

Aalten

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums (Own Brand): OWM Achterhoek acts as their own fire insurer (onderlinge verzekeraar) for buildings and contents insurance. Premiums are collected from policyholders, and when there is a good result (low claims), members receive a portion of paid premiums back.
2. Insurance Intermediation: OWM Achterhoek acts as intermediary for other insurance products, placing policies with SOM (Verzekeringsmaatschappij) and other insurers. Commission-based revenue from policy placement.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

OWM Achterhoek is a Dutch mutual insurance society underwriting and distributing fire and home insurance, agricultural insurance, and business insurance under its own brand, while also brokered SOM insurance products and partner-distributed mortgage services. The offering is targeted at private individuals, the regional agricultural sector, and small/medium businesses in the Achterhoek region, supported by a "Mijn Onderlinge" digital portal for policy administration.

Product overview

OWM Achterhoek is a regional mutual insurance company (onderlinge verzekeraar) based in the Achterhoek region of the Netherlands, offering a comprehensive portfolio of insurance products and services. The company's core offering consists of proprietary property and casualty insurance products including home insurance (Woonhuis UGV and Royaal), household contents insurance (Inboedel UGV and Royaal), and specialized agricultural insurance products (Gebouwen, Inventaris, Bedrijfsschade, Inductieschade, and Rundvee) for farm businesses. Beyond its own branded products, OWM Achterhoek acts as an insurance broker, intermediating SOM (SOM Verzekeringen) products including auto, travel, bicycle, motorcycle, caravan, oldtimer, liability, legal aid, health, accident, funeral, and life risk insurance for private, business, and agricultural customers. The company also offers Mijn Onderlinge, a customer self-service portal for policy management, the LedenPlusPolis bundled policy with up to 10% discount, and mortgage services through a partnership with Achterhoek Hypotheken. The product architecture follows a two-tier model: own-brand insurance products (fire/home insurance) combined with brokered third-party SOM products to provide comprehensive coverage across all customer segments.

Differentiator

Problem solved

Functional benefit

Products and services

• Particuliere verzekeringen (Fire and home insurance) Fire and home insurance product line for private households in the Achterhoek region, underwriting residential property and contents risks under the OWM Achterhoek own brand.
• Agrarische verzekeringen (Agricultural insurance) Agricultural insurance line for farms and agri-businesses in the Achterhoek, covering farm buildings, livestock, machinery, and related operational risks under the OWM Achterhoek own brand.
• Zakelijke verzekeringen (Business insurance) Business insurance product line for small and medium-sized businesses in the Achterhoek region, underwriting commercial property, liability, and other operational risks under the OWM Achterhoek own brand.
• SOM insurance (brokered) Brokered insurance products from SOM (Samenwerkende Onderlinge Maatschappijen) distributed by OWM Achterhoek via independent intermediaries, broadening coverages available to Achterhoek customers beyond own-brand lines.
• Mortgage services (hypotheek, via partner) Mortgage services distributed by OWM Achterhoek through a partner arrangement, allowing customers in the Achterhoek region to access home financing alongside their insurance products.
• Mijn Onderlinge digital portal Online self-service portal where OWM Achterhoek policyholders can view and administer their insurance policies and submit claims, supporting the insurer's regional personal, agricultural, and business lines.

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• Achterhoek Hypotheken (formerly Lansink & Partners)coreStrategic or Co-development Partner · 1 January 2019Partnership established in 2019 to offer mortgage services alongside insurance products. Located at OWM Achterhoek's Eibergen office. Expands service offering to include financial services beyond insurance.
• SOM (Verzekeringsmaatschappij)coreChannel Partner/ Reseller/ DistributorSOM is the insurance company where OWM Achterhoek places most of its non-fire insurance policies. OWM acts as intermediary, placing auto, travel, liability and other policies with SOM. SOM provides the underlying insurance products while OWM provides local service and advice.
• Verbond van VerzekeraarsminorOthersIndustry association membership. OWM Achterhoek displays the Verbond van Verzekeraars logo on their website, indicating membership in the Dutch insurance industry association.

Scale indicators2 records

Recent moves9 records

Expansion highlights4 records

Regional players

• Menzis: Dutch health insurer with roots in the eastern Netherlands including Achterhoek-adjacent regions. Comparable as a regionally rooted cooperative; competes with OWM's zorg intermediation offering.
• VGZ: Dutch health insurance cooperative with regional roots in Noord-Brabant/Limburg. Comparable in cooperative/member-oriented identity to OWM's mutual structure, but focused on health (Zorgverzekering) — a line OWM only intermediates.

Broad incumbents

• ASR Nederland: Major Dutch insurance carrier (life, P&C, health) and one of the largest in the Netherlands. Provides a broad-incumbent comparison point to OWM's regional mutual offering across life (Overlijdensrisico) and P&C lines.
• Centraal Beheer: Achmea subsidiary offering personal and business insurance across the Netherlands. Competes with OWM's full personal/commercial product suite but at national scale and with a more brand-driven marketing approach.
• Interpolis: Achmea-owned Dutch insurer with strong agricultural and rural customer roots. Overlaps with OWM's Achterhoek agricultural and personal lines but operates at national scale through the Achmea distribution network.
• Nationale-Nederlanden: Large Dutch life and non-life insurer owned by NN Group. Competes in overlapping lines such as overlijdensrisico and inboedel, though operating at national scale with broader financial-services capabilities.

Direct peers

• Univé: Dutch cooperative mutual insurer with member-ownership structure and multi-line personal, business, and agricultural offerings. Highly comparable to OWM Achterhoek in cooperative DNA and product breadth, though operating at national scale rather than regional.
• LTO Verzekeringen: Dutch insurer closely tied to the agricultural sector (LTO Noord / ZLTO), offering tailored products for farmers. Directly competes with OWM's agricultural insurance portfolio (Rundvee, Gebouwen Agrarisch, tractor/machinery) in the same farmer customer base.

Emerging players

• FBTO: Achmea-owned direct/digital Dutch insurer. Competes with OWM in personal lines (auto, home, travel) but via fully online self-service rather than office-based advice, representing a digital-first distribution model OWM partially adopts.

Others

• Independer: Dutch insurance comparison platform through which customers can purchase P&C and life products from multiple carriers. Represents an indirect competitive channel that can disintermediate regional mutuals by offering instant price comparison.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/OWMAchterhoek
• LinkedInlinkedin.com/company/owm-achterhoek

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 OWM Achterhoek