Broker Network Vivium works with over 1,000 independent brokers and serves around 700,000 clients, providing a robust distribution channel for rapid growth. Sales opportunities include onboarding additional brokers, expanding co-branded product offerings, and leveraging digital onboarding to accelerate policy issuance and expand multi-line coverage for households and SMEs.

Cross-Sell Bundling The portfolio spans home, business, and family protection, enabling bundled policies and targeted add-ons. SDRs can pitch multi-line packages, loyalty incentives, and risk-prevention services through brokers to increase average policy value and reduce churn.

Digital Security Edge The tech stack includes security awareness training (KnowBe4) and consent/cookie management (Cookiebot), indicating a readiness to market a digitally secure, privacy-respecting experience to brokers and clients. Opportunities exist to differentiate with streamlined digital workflows, strong data protection, and ongoing cyber risk education.

Competitive Positioning In a Belgian market with large incumbents like AG Insurance and Allianz, Vivium can position as a value-for-money specialist with a broker-first model and strong service. Focus on SME and property lines where mid-market insurers can win share through pricing, service, and local presence.

Growth Potential With a scale of 501-1000 employees and a Brussels base, Vivium has the capacity to upscale operations, enhance broker support, and invest in product development. Potential for regional expansion and deeper broker partnerships to accelerate growth while maintaining personalized advisory service.