ELEMENT is your partner for digital insurance products

ELEMENT Insurance AG is a fully cloud-based insurtech based in Berlin, holding a licence from the German Federal Financial Supervisory Authority (BaFin) as a direct insurer for non-life insurance. ELEMENT can act as a risk carrier in all EU countries. We are completely independent and serve the industry without restrictions of any group affiliation.  

ELEMENT is the only digital insurance company in the European market that has the capabilities to create P&C solutions along the entire B2B2X insurance value chain, including claims settlement. We make this possible, because the best of the worlds of tech and insurance comes together in ELEMENT. This exceptional combination makes us a change leader in the insurance industry. With our clear vision for digital insurance solutions, we helped establish a new industry standard for product innovation and partnerships in the insurance marketplace.  

With our proprietary modular tech-platform, we specialise in providing custom-made white-label solutions to partners across all industries. ELEMENT’s combination of full-stack insurance and state-of-the-art tech makes us a strong, fast, and reliable cornerstone for the digital insurance market of the future.

The B2B2X approach

We believe in empowering our partners to distribute personalised insurance products to their customers and to build strong ecosystems. Our sole interest is to always get better at what we do best: providing 100% digital and customised insurance solutions for our partners. All insurance products are completely white-labelled and market via our partners in their brand design. This approach makes it possible to grow and strengthen eco-systems and offer a 360-degree service to end-customers.

Our guarantee to our partners

We care as much about your customers as you do. With ELEMENT’s approach to the market, we make sure that you can offer insurance solutions that totally reflect your customers’ needs: digital customer-centric products, services and availability without cutbacks or compromises. With our partners we share the same goals, using the endless possibilities of digitalisation and creating the future of insurance.

Our investors

Backed by top-notch investors from within the industry as well as classical growth investors, ELEMENT has raised EUR 66 mio until today.

Our team

ELEMENT consists of 120+ employees from 36 different nations. Every day, our team manages to push the boundaries between insurance, technology, regulation, and business functions a little bit further. Our heterogenous team is our strength.

Our management

Dr. Christian Macht
Chairman - CEO
Eric Schuh
Deputy CEO / Chief Operating Officer
Iryna Zhovtobryukh
Chief Technology Officer
Philipp Hartz
Chief Strategy Officer
Arno Bussmann
VP Finance
David Silva
VP Data
Don Rorlach
VP Business Development
Igor Lutsenko
VP Engineering
Jörg Beyer
VP Insurance Product
Katarzyna Malolepszy
VP Technology Product
Tim Kaltofen
VP Innovation

Interested in working with us?