More than just risk management: a long-term partnership.

Discover why our clients choose a collaboration that goes far beyond just insurance.

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Confident and responsible entrepreneurship

  • Independent advice tailored to your business

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  • Best Managed Company 7 times in a row

  • International partnership with Lockton Global

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The ultimate insurance partner for the corporate world

Being the leading insurance broker and risk consultant in Belgium, we provide entrepreneurs, companies and public, social and financial institutions with advice concerning insurance, risk management and employee benefits. With more than 80 years of experience under our belt, we opt for a personalized approach supported by the latest digital tools.

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Possible maximum loss: what really determines your property insurance costs?

Property
02.07.2026

It’s not the premium, but the possible maximum loss (PML) that is often the real starting point for property insurance. A technical estimate of this loss lies behind every insurance decision. By understanding and managing this estimate properly, you can both avoid surprises in the event of a loss and create opportunities for better terms and lower costs. In this article, we explain exactly how this works.

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Officially one of the best employers in the country

We ranked 6th in the Best Workplaces™ 2026 list. This is a recognition of the unique atmosphere and the strong bond between our colleagues. Discover why our employees make Vanbreda a great place to work, every single day.

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Do you want to report a hospitalisation or submit medical expenses? 

You can easily do this with the Vanbreda app or by using the forms on our dedicated Health Care website.

Our Health Care team will also gladly help you with all your questions about medical expenses, guaranteed income, serious illness or other medical topics.

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