ELEMENT - the leader in the seamless delivery of insurance solutions for our partners in Europe

Our mission is to offer the fastest, most flexible, always reliable and efficient insurance solutions along the entire B2B2X value chain.

As a fully-fledged insurer, ELEMENT is licensed to operate as a risk carrier in all EU countries, offering white-label insurance products with a 100% digital, efficient backbone. The combination of insurance and technology expertise makes us a pioneer of digitalization in the insurance industry.

Our partners

What our partners say

We are working with the full range of distribution partners. As a digital insurance company, at ELEMENT we are striving to make the delivery of insurance as seamless as possible for our partners.


Licensed pan-European Insurance Carrier

BaFin-licensed, we provide EU-wide insurance capacity to our partners via Freedom of Service (FOS). Thus, we can serve from Germany partners in all the EU countries simultaneously, overcoming different languages and local regulation hurdles​.


Due to our outstanding expertise in insurance and tech our business partners can always rely on our 100% delivery. We have an incredibly wide bench of insurance experts which ensure the offer of solid insurance solutions and effective insurance processes. Our tech team enables us to develop and offer efficient and smart tech solutions at speed.

Fastest time-to-market

Our adaptability allows us to match the pace of our partners. We prioritize efficiency throughout the entire journey, from initial discussions, through product development, to the launch phase, ensuring minimal time-to-market. We think in days and weeks rather than months. Our speed is enabled through our lean technological setup, our lean working approach and the close and continuous exchange with our business partners.


We have an impressive track-record of embedding insurance solutions through our rest API & White-Label solutions. We seamlessly integrate our technology into our partners’ platform and offer quick and easy customization of the interface, creating the ultimate experience for their customers. We deliver the full insurance infrastructure in the background.


Due to our streamlined and highly automatized processes in customer interaction, policy and claims administration as well as our lean organizational set up, we deliver best-in-class administration costs which allow us to offer our insurance solutions at utmost competitive prices.

Start building your insurance solution with us