Founded in 1844, ZLM Verzekeringen (Zeeuws-Limburgse Maatschappij van Onderlinge Verzekeringen) is a mutual insurance company, meaning its policyholders are also its members and there are no external shareholders. This structure allows the company to focus on customer interests and potentially share profits with its members. ZLM offers a wide range of non-life insurance products for both private individuals and businesses, including vehicle, home, liability, and travel insurance, with a strong regional focus on personal service within Zeeland and Noord-Brabant.