Our vision is to seamlessly deliver insurance solutions to 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.

We believe in empowering our partners to create & distribute personalised insurance products for their customers and to build strong ecosystems.

Our modular platform enables flexible partnership options


Take on part of the risk that insurers assume

Insurance License

Risk taking, regulated by BaFin

Insurance Product

Pricing & underwriting

Insurance Operation

Claim contract services, billing


Brand and customer relations

End customer

Buys and holds policy
ELEMENT can cover the entire insurance value chain. The partner can choose the individual elements while always remaining in full control of the distribution. Working with insurers as partners allows for additional flexibility in reinsurance rearrangements, and set ups.

Start building your insurance solution with us