Enter one of the largest insurance markets in the world

The EU market – 27 countries with over 450 million inhabitants – is one of the largest insurance markets in the world. Become a part of it with ELEMENT!

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What we can do for you

01  ELEMENT is your European partner
Due to our insurance license, we provide access to markets in all 27 EU countries via passporting, supporting you and your partners all along the way:  From establishing an MGA, developing a safe and secure insurance product, taking care of legal concerns, setting up operations and bank accounts, and providing a completely digital after sales setup. This gives you the freedom to concentrate on the most important thing: Your customers!
02  Outsource all difficulties: Tech, languages and regulations
We are an English-speaking company and our team of experts is determined to help you maneuver through the tech, regulations, and language barriers.
03  We adapt your product or idea to the European standard
Whether you already have a product or you are coming to us with an idea to build a new one: We enable you to reach the standard of EU insurance product regulation – 100% legally compliant.
04  Do not worry about insurance capacity
We are a fully licensed insurer and we take care of re-insurance. Furthermore, we work with some of the largest reinsurers in the world to provide the highest security standards.
05  Go-to-Market in record speed
With our structured onboarding we will get you to your Go-to-Market in record speed as we guide you to all requirements and regulations in the EU. Our dedicated partner onboarding team will lead you through all necessary steps to deliver a digital and seamlessly integrated insurance product to you and your customers.
06  Utilize the access to our distribution network
Entering a new market is starting from square one when it comes to the network. We will bring you together with the right people to kick start your distribution channels.  

an insurer as a partner.

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.

Our experts

Our multi-skilled team is our strength: insurance, technology, regulatory, actuarial, underwriting and business experts enable us to create innovative and legally compliant products that are already changing the future of insurance

State-of-the-art tech and easy integration

Our cloud-based micro-service architecture offers a modern infrastructure as well as the highest possible security.  

We offer various technical possibilities to connect. Together we find the best solution to integrate products via REST APIs, Bordereau or BiPro.

Our investors

Backed by top-notch investors from within the industry as well as classical growth investors, ELEMENT has raised EUR 88 million until today.

Case studies

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Do you have an idea already?

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How to work with us

What happens after you contact us?

We will get in touch with you. This process will take no longer than one week. The more information you can present to us in your contact mail , the better we can prepare for an initial conversation with you.

Onboarding process

From first idea to go-live, we have implemented a structured onboarding process. Our onboarding process of new partners is a distinct feature of ELEMENT and unique in the insurance world. Every partner is treated with the same attention to detail by our experienced onboarding team.

Your onboarding team

From the very first workshop, you will have dedicated contact persons from our onboarding team. The team will be selected according to your needs and will guide you through our structured onboarding process.