What In-staet Verzekeringen En Risicoadvies does

In-Staet Verzekeringen En Risicoadvies is a Rijswijk-based Dutch insurance intermediary and risk advisory firm founded in 2020. The company specialises in three tightly defined verticals of the Dutch built environment: construction (Bouw), real estate (Vastgoed), and homeowners' associations (VvE). It provides advisory, intermediation, and ongoing policy management services—principally Construction All Risks (CAR), liability (AVB), property, fire, and equipment insurance—delivered through fixed customer teams comprising an advisor, a relationship manager, and a claims handler. Revenue is generated primarily via commissions and fees on placed policies and risk-management engagements, with a sales-led go-to-market targeting mid-market and SMB clients across the Netherlands.

The firm is distinguished by its exclusive preferred-partner relationship with Koninklijke Bouwend Nederland, the dominant Dutch construction and infrastructure trade association, and by its co-developed products with BouwGarant (the BouwGarant Polisscan policy assessment tool) and BNL Verzekeringen. Supporting digital tooling includes the BouwGarant Polisscan, an online claims reporting system (Schade Meldingsformulier), and the Gereedschapskist risk-management content library, alongside added services such as strategic coaching and risk inventory analysis. The firm is privately held, AFM-registered (number 12046772), KVK-registered (number 74974416), and operates from a single Rijswijk office serving Dutch clients only.

Customer acquisition is partnership-led, anchored in the Bouwend Nederland and BouwGarant member ecosystems, and supplemented by content marketing through a company podcast ("In-Staet Praet"), blog content, and educational resources. Pricing is quote-based and not publicly disclosed, reflecting the bespoke nature of B2B insurance advisory. The firm employs an advisor team averaging roughly 20 years of sector-specific experience, positioning domain expertise as a core differentiator versus generalist insurance brokers.

Name

In-staet Verzekeringen En Risicoadvies

Legal name

In-Staet

Website

https://in-staet.nl

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

In-Staet is a Dutch insurance intermediary and risk advisor founded in 2020, specialising in construction, real estate, and VvE (owners' association) sectors. The firm serves Dutch mid-market and SMB clients through exclusive partnerships with Bouwend Nederland and BouwGarant.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Risk Advisory

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Due Diligence & Transaction Risk Advisory (M&A, W&I) (FSAEADAM)

Keywords

• Insurance brokerage services
• Risk advisory consulting
• Construction insurance
• Real estate insurance
• VvE insurance management

Headquarters

HQ city

Rijswijk

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Advisory and Intermediation: In-Staet acts as an insurance intermediary providing advisory, intermediation, and management services for sector-specific customized insurance products developed for and by the construction, real estate, and VvE sectors. Revenue is generated through commissions and fees for risk advisory services, policy management, and insurance intermediation.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

In-Staet provides specialized risk advisory and insurance intermediation services for the Dutch construction, real estate, and VvE (owners' association) sectors. The firm arranges and manages sector-specific insurance products including CAR (Construction All Risks), AVB (liability), property, fire, and equipment insurance, and supplements placement with risk inventories, policy scanning via the BouwGarant Polisscan, strategic coaching, crisis planning, and claims handling delivered through fixed customer teams.

Product overview

In-Staet operates as a specialized risk advisory and insurance brokerage firm focused on the Dutch construction and real estate sector. The company offers a unified advisory platform combining personal consultation with sector-specific market expertise. The core offering consists of risk advisory services for Bouw (construction), Vastgoed (real estate), and VVE (owners' associations), supported by digital tools including the BouwGarant Polisscan for policy assessment, an online Schade (damage) reporting system, and a Gereedschapskist (toolbox) containing risk management resources. Additional services include construction-specific insurance forms, equipment insurance, fire insurance, and risk inventory analysis. The company is a certified partner of Bouwend Nederland and works with BouwGarant and SWK to deliver specialized insurance products exclusively available to members of these organizations.

Differentiator

Problem solved

Functional benefit

Products and services

• Risico-advies Bouw en Vastgoed (Risk Advisory for Construction and Real Estate) Core risk advisory and insurance intermediation service for businesses in the construction and real estate sectors, providing professional advice, brokerage, and risk management across the Bouw, Vastgoed, and VvE segments.
• Bouw (Construction) Insurance and Risk Services Insurance and risk management services for construction companies, including CAR (Construction All Risks) insurance, liability (AVB) coverage, equipment insurance, and construction-industry-specific products.
• Vastgoed (Real Estate) Insurance and Risk Services Insurance and risk management solutions for real estate owners, property managers, and developers, covering buildings, contents, and liability risks.
• VvE (Vereniging van Eigenaren) Insurance and Advisory Services Specialized insurance and advisory services for Dutch owners' associations, covering building insurance, liability, and collective risk management for shared spaces in residential complexes.
• BouwGarant Polisscan Policy assessment service for BouwGarant participants that objectively evaluates CAR and AVB insurance policies against BouwGarant quality standards, including coverage of insured activities, amounts, notification obligations, third-party equipment, transport and temporary storage, warranties, maintenance periods, employees, post-completion coverage, and principal property.
• Werkmaterieel Verzekering (Construction Equipment Insurance) Insurance product for construction equipment and machinery, with coverage options including third-party liability (WA), limited casco, and full casco with various deductible choices.
• Brandverzekering (Fire Insurance) Fire insurance product for commercial and residential properties covering buildings, contents, workspaces, and storage facilities, with options for special arrangements including CAR chain coverage for contractor equipment above €50,000.
• Risico-inventarisatie (Risk Inventory and Insurance Analysis) Risk inventory and insurance analysis service that maps business risks and produces a comprehensive, readable report to support business continuity planning.
• Strategische Coaching (Strategic Coaching) Strategic coaching focused on the soft side of risk management, helping clients explore vision and strategy, assess organizational influence, and manage entrepreneurial risk and opportunity.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered core and minor.

• Bouwend NederlandcoreStrategic or Co-development PartnerIn-Staet is a proud partner of Koninklijke Bouwend Nederland, the entrepreneurs' organization within the construction and infrastructure sector. Their recognition of In-Staet's specialization, quality, and experience creates a powerful collaboration. As a preferred partner, In-Staet provides specially developed insurance products (insurance mantels) exclusively available to members of Bouwend Nederland. Products are customized to the wishes and risks of each member company.
• BouwGarantcoreStrategic or Co-development PartnerBouwGarant collaborates with In-Staet for their polisscan (policy scan) service. BouwGarant requires its participants to have continuous CAR and liability insurance (AVB), but research shows that the quality and coverage of policies is often insufficient. The BouwGarant Polisscan, developed by In-Staet, objectively assesses CAR and liability policies against BouwGarant quality standards.
• SWK (Stichting Waarborgfonds Koopwoningen)minorChannel Partner/ Reseller/ DistributorSWK is a quality mark for new construction and renovation projects, providing warranty for completed residential projects. In-Staet works with SWK as a partner, likely providing insurance services to SWK-covered projects.
• BNL VerzekeringencoreStrategic or Co-development PartnerIn-Staet is proud to be a partner of BNL Verzekeringen (Bouwend Nederland Insurance Partner), the insurance arm specifically developed for the construction sector in collaboration with Bouwend Nederland.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• MeesRisicobeheer: Dutch independent insurance broker and risk advisor with strong focus on construction, real estate, and corporate clients. Closely comparable niche positioning and advisory model to In-Staet.
• BNL Verzekeringen: Construction-sector insurance arm developed in collaboration with Bouwend Nederland. Directly comparable as a sector-specialized insurance partner serving the same Dutch construction member base.
• VDR Groep: Dutch insurance broker group with multi-sector advisory including construction and real estate risk. Comparable independent intermediary business model serving Dutch mid-market.

Broad incumbents

• Willis Towers Watson (WTW) Netherlands: Global advisory and brokerage firm with construction and real estate risk practices in the Netherlands. Comparable as a competitor insurance intermediary serving similar commercial clients.
• Nationale-Nederlanden: Large Dutch insurer offering property, liability, and construction-related coverage. Comparable as a Dutch insurance market participant, though operating as a carrier rather than a pure intermediary.
• ASR Nederland: Major Dutch insurance carrier with property and casualty lines serving construction and real estate. Comparable as a Dutch insurance market counterparty for sector risks.
• Aon Netherlands: Global insurance and risk brokerage with a substantial Dutch practice serving construction, real estate, and corporate clients. Directly comparable as a risk advisory and insurance intermediary operating in the same Dutch market.
• Rabobank (with Interpolis / insurance partners): Large Dutch financial services group with insurance distribution for SME and construction clients. Comparable as a Dutch channel through which construction and real estate insurance is intermediated.
• Marsh Nederland: Major global insurance broker with Dutch operations advising on construction, liability, and property risks. Closely comparable business model — risk advisory and intermediation — though at far larger scale and broader sector coverage.

Others

• BouwGarant: Dutch construction quality label that mandates continuous CAR and AVB coverage from participants. Comparable as an ecosystem partner requiring the type of insurance intermediation In-Staet provides.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/in-staet-verzekeringen-en-risicoadvies

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 In-staet Verzekeringen En Risicoadvies