ELEMENT is your partner for digital insurance products

ELEMENT is a technology-driven insurance company from Berlin. We combine the best of the worlds of technology and insurance. Our product platform and smart APIs empower you to integrate completely digital insurance solutions into your portfolio or product landscape. Our experts take care of all technical and regulatory requirements; therefore, you can care about the essential part of business: your customers.

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The 100% cloud-based insurer

Our state-of-the-art technological platform allows a modular product creation and it fully adapts to your needs. Via REST-APIs or BIPRO we integrate seamlessly into your systems and take care of the complex regulatory and technological requirements. This way, you can offer your customers a completely digital and most convenient insurance cover.

About ELEMENT

Why ELEMENT

Licensed insurance company

ELEMENT has a full license from the German Federal Financial Supervisory Authority (BaFin) for non-life insurance. We can completely underwrite our solutions, therefore ensuring maximum flexibility and security. Our license enables us conduct business across all EU countries.

Independent risk carrier

We are an independent and completely licensed risk carrier. All insurance products are distributed by our long-term partners. We work solely B2B2X: The customer relationship is always owned by our partners.

State-of-the-art tech

Our cloud-based microservice architecture provides state-of-the-art solutions and infrastructure as well as the highest level of security for all shared data.

Quick and easy
customisation

Modular product creation ensures quick and easy customisation of products, resulting in excellent customer-centric solutions with minimal go-to-market effort.

Adaptable value chain integration

We provide solutions throughout your value chain - exactly where you need them. We integrate flexibly and seamlessly via REST-APIs and BIPRO.

Insurance industry and beyond

We provide insurance products to the insurance sector and businesses from other industries alike. Our modular approach provides flexible solutions for all possible set-ups.

Interested in working with us?

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