Best InsurTech Companies in Germany
The 210 best InsurTech companies in Germany in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Ottonova.
Germany's InsurTech sector, ranked here by disclosed equity funding and recent momentum, spans 210 tracked companies carrying $1.1B in total disclosed capital. No unicorns yet. But the concentration at the top is real: Ottonova has pulled in $180M, Element sits at $139M, and those two alone account for a disproportionate share of the pool. Feather trails at $11M, and the rest of the field runs thin. The global market gives you the why: priced at roughly $16.6B in 2021 and forecast to reach $165.4B by 2032, a 30.34% CAGR that commands attention from anyone watching where insurance capital actually flows.
So what's driving the gap between a handful of well-funded players and the long tail of sub-$5M raises? Digital insurance platforms and AI claims processing are the hot themes right now, and rising claims activity signals faster digital adoption across the broader insurance market. I'd also flag the regulatory drag: data privacy and cybersecurity requirements in Germany add friction that smaller startups absorb harder than established players. The funding spread in this directory reflects that reality cleanly.
- Top Insurtech Companies
Our analysis of 50 InsurTech companies
$13.8b in tracked funding; 100% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
Ranked: Best InsurTech companies in Germany
| # | Company | Disclosed funding | Last round | Employees | Founder | Tech stack | Web popularity | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Ottonova Health insurance provider for the patients and employees | $180M | 45 mo ago | 24 | Sebastian Scheerer Co-Founder & CDO | SentryApple iCloud MailYouTube+22 | Top 1M | — | — |
| 2 | Element Insurance as a service platform offering private property and casualty insurance 64Moat top 21%Patents top 22%Innovation top 25%Product top 25% All 9 signals ▾Moattop 21% Patentstop 22% Innovationtop 25% Producttop 25% Fundingtop 26% Growthtop 30% Techbottom 45% Marketbottom 42% Globalbottom 42% Moat: Editorial + unicorn rating 8/10 · IP moat: 56 patents Patents: 56 patents matched (strict assignee match) · 32 filings since 2022 vs 23 in 2017-21 rank vs industry peers · Fliar Intelligence Index 64/100 | $139M | 26 mo ago | 115 | — | WebflowSalesforceAmazon Web Services+18 | Top 10M | 56 patents Advanced titanium‑based layered composites for PEM electrolyzer and fuel‑cell electrodes | — |
| 3 | FRIDAY Provider of auto, home, liability, and travel insurance policies | $129M | 87 mo ago | 166 | Christoph Samwer Co-Founder & CEO | SentryApple iCloud MailNode.js+18 | Top 5M | — | — |
| 4 | CLARK Provider of insurance brokerage services | $128M | 65 mo ago | — | Chris Lodde Co-Founder | CEO International | WordPress Block EditorWordPressMySQL+22 | Top 50M | — | — |
| 5 | Getsafe App-based on-demand insurance platform for individuals | $110M | 56 mo ago | 156 156 → 169 (+8%) · sector median -2% | — | SanitySentryZendesk+24 | Top 5M | — | — |
| 6 | Simplesurance Provider of a platform for accessing insurance and related technology | $78M | 66 mo ago | 120 | Robin von Hein Founder & CEO | WordPressMySQLPHP+18 | Top 10M | 10 patents Digital insurance web platforms: UI optimization and product recommendation integration. | — |
| 7 | Omnius Provider of AI solutions for insurance claims processing and automation | $53M | 43 mo ago | 49 49 → 48 (-2%) · sector median -2% | Thomas Hauschild Chief Executive Officer | WordPressApple iCloud MailMicrosoft 365+41 | Top 50M | — | — |
| 8 | Coya Online platform that provides usage-based insurances 16Funding top 42%Tech bottom 43%Global bottom 39%Market bottom 36% All 5 signals ▾Fundingtop 42% Techbottom 43% Globalbottom 39% Marketbottom 36% Growthbottom 25% Funding: Raised $40.0M across 2 rounds · 2 rounds over 9 yrs (0.2/yr) Tech: 7 technologies across 3/8 capability areas · Cloud: Cloudflare, Heroku rank vs industry peers · Fliar Intelligence Index 16/100 | $40M | 96 mo ago | 54 | — | — | — | — | — |
| 9 | Thinksurance Diversified software solutions for insurance distribution | $39M | 36 mo ago | 69 69 → 87 (+26%) · sector median -2% | Christopher Leifeld Co-Founder & Marketing Director | WordPressApple iCloud MailMicrosoft 365+24 | Top 50M | — | — |
| 10 | Hepster Online insurance platform for individuals and businesses | $21M | 35 mo ago | 36 | Hanna Bachmann Co-Founder | PrismicApple iCloud MailMicrosoft 365+20 | Top 1M | — | 1 partnership |
| 11 | Teraki Provides AI-enabled edge processing platform for automotive industry | $16M | 41 mo ago | 48 | — | WebflowMicrosoft 365jQuery+10 | Top 50M | 25 patents Automotive perception: radar interference mitigation, sensor fusion, and optimized image/video compression. | — |
| 12 | Friendsurance Business White-label solutions for insurance businesses | $15M | 123 mo ago | 86 86 → 53 (-38%) · sector median -2% | Tim Kunde Founder & Managing Director | — | — | — | 3 job openings |
| 13 | Finanzchef24 Provider of comparison services for an array of business insurance products | $13M | 61 mo ago | 50 50 → 29 (-42%) · sector median -2% | Vlad Barboni Co-CEO & Chief Technology Officer | Node.jsTypeScriptGraphQL+20 | Top 5M | — | 1 partnership |
| 14 | Joonko Internet first auto insurer 35Funding bottom 49%Talent bottom 45%Global bottom 36% All 3 signals ▾Fundingbottom 49% Talentbottom 45% Globalbottom 36% Funding: Raised $11.1M across 1 rounds · 1 rounds over 7 yrs (0.1/yr) Talent: 1 named leader on record rank vs industry peers · Fliar Intelligence Index 35/100 | $11M | 81 mo ago | — | Eric Lange Co-Founder | — | — | — | — |
| 15 | Feather Online platform for life and non-life insurances | $11M | 23 mo ago | 32 | — | SentryApple iCloud MailGoogle Workspace+23 | Top 1M | — | — |
| 16 | Balance Re Provider of reinsurance solutions to life insurance companies | $10M | 58 mo ago | 20 | Lucian Rautu Co-Founder | — | — | — | — |
| 17 | Claimsforce Claim management software for insurers | $8M | 70 mo ago | 26 | — | — | — | — | — |
| 18 | Schutzklick Product insurance platform for retailers and individuals | $8M | 135 mo ago | 105 | Robin von Hein Founder & CEO | WordPressMySQLPHP+16 | Top 10M | — | — |
| 19 | Inzmo Provider of insurance coverage for mobile phones, laptops, bicycles, and scooters 40Growth top 25%Tech top 33%Talent bottom 49%Funding bottom 46% All 9 signals ▾Growthtop 25% Techtop 33% Talentbottom 49% Fundingbottom 46% Fin. healthbottom 46% Globalbottom 45% Productbottom 40% Newsbottom 22% Marketbottom 20% Growth: Revenue +110% YoY · Web rank 10,000,000 → 50,000,000 YoY Tech: 34 technologies across 5/8 capability areas · Cloud: Amazon Web Services rank vs industry peers · Fliar Intelligence Index 40/100 | $6M | 64 mo ago | 27 | Meeri Klausen Co-Founder & Co-CEO | Node.jsReactNext.js App Router+18 | Top 10M | — | 1 partnership · 1 award |
| 20 | InsureQ Online insurance platform for businesses | $6M | 62 mo ago | 25 | Johannes Breulmann Co-Founder & Managing Director | — | — | — | — |
| 21 | Hakuna Provider of product authentication and protection software solutions for businesses | $6M | 44 mo ago | 15 | Orhan Köroglu Founder & Co-CEO | Webflow EcommerceWebflowApple iCloud Mail+19 | Top 10M | — | — |
| 22 | SureIn App-based comparison platform for property insurance | $5M | 34 mo ago | 17 | David Schara Co-Founder & Chief Product Officer | Framer SitesVimeoReact+21 | Top 50M | — | 1 launch |
| 23 | Embea Provider of embedded insurance solutions | $4M | 27 mo ago | 16 | Leopold Jedina Co-Founder & COO | Google MapsReactReact Router+17 | Top 50M | — | — |
| 24 | muffintech Conversational AI platform for the insurance industry | $4M | 16 mo ago | — | Tomas Gan Co-Founder | Framer SitesReactPostHog+7 | Top 50M | — | — |
| 25 | Dentolo Reverse bidding curated marketplace for dental treatments | $3M | 106 mo ago | 57 | — | WebflowApple iCloud MailGoogle Workspace+22 | Top 500k | — | — |
| 26 | Awamo Microfinance management solution provider | $3M | 92 mo ago | 38 | Benedikt Kramer Co-Founder | — | — | — | — |
| 27 | Nect Solutions for identity verification 72Growth top 28%Innovation top 30%Product top 32%Customers top 32% All 11 signals ▾Growthtop 28% Innovationtop 30% Producttop 32% Customerstop 32% Techtop 34% Patentstop 34% Talenttop 38% Moattop 42% Markettop 46% Fundingtop 49% Globalbottom 40% Growth: Headcount 40 → 85 (+112%) across vintages · Web rank 500,000 → 5,000,000 YoY Innovation: 13 patents (top 48% of patent-holders) · 9 filings since 2022 vs 4 in 2017-21 rank vs industry peers · Fliar Intelligence Index 72/100 | $3M | 14 mo ago | 85 85 → 103 (+21%) · sector median -2% | Carlo Ulbrich Co-Founder & Chief Sales Officer | WordPressMySQLPHP+23 | Top 500k | 13 patents Automated verification and integrity proofing of remote video recordings and live identification | — |
| 28 | Enzo Provider of online insurance for homeowners 27Growth top 35%Tech top 44%Talent bottom 49%Funding bottom 46% All 7 signals ▾Growthtop 35% Techtop 44% Talentbottom 49% Fundingbottom 46% Productbottom 40% Globalbottom 37% Marketbottom 15% Growth: Fresh capital in last 24 mo Tech: 29 technologies across 3/8 capability areas · Cloud: Amazon Alb, Amazon Web Services rank vs industry peers · Fliar Intelligence Index 27/100 | $2M | 7 mo ago | 10 | Marvin Follmann Co-Founder & CTO | WebflowApple iCloud MailGoogle Workspace+19 | Top 10M | — | — |
| 29 | Covomo Provider of comparison platform for product and specialty insurance policies | $2M | 104 mo ago | 14 14 → 13 (-7%) · sector median -2% | — | RubyRuby on RailsEnvoy+16 | Top 10M | — | — |
| 30 | Getsurance Internet first insurance platform | $2M | 109 mo ago | 10 | — | Cart FunctionalityContentfulSentry+12 | Top 5M | — | — |
| 31 | MotionsCloud AI-based insurance claims adjustment solutions for the insurance industry | $2M | 49 mo ago | 13 | Lex Tan CEO | RubyTinyMCEGoogle Maps+23 | Top 5M | — | — |
| 32 | CyberDirekt Cyber insurance for SMBs | $1M | 98 mo ago | 15 | Hanno Pingsmann Founder | — | — | — | 1 partnership · 1 award |
| 33 | Etherisc Decentralized insurance application for Insurers | $182K | 89 mo ago | 18 | Christoph Mussenbrock Co-Founder & CEO | MediumAlgoliaNode.js+10 | Top 50M | — | — |
| 34 | Widgetlabs Software solutions for the insurance industry | $100K | 233 mo ago | — | Ayham Ghorani Founder | — | — | — | — |
Top 12 InsurTech companies in Germany
#1
Seed · Heidelberg, Baden-wurttemberg · founded 2021 · 10 employees$2.5Mraised▾
Provider of online insurance for homeowners. It offers technology to detect damages and optimizes the loss ratio on policies and offers proactive preventive services, for homeowners to prevent unwanted incidents.
- Oct 2025Seed$4.7M
- Jul 2024Seed$2.5M
#2
Series C · Berlin, Berlin · founded 2016 · 115 employees$139.2Mraised▾
Insurance as a service platform offering private property and casualty insurance. It offers a modular insurance API engine that enables digital businesses to launch custom insurance products. Businesses can use the white-label platform for real-time price calculation, underwriting, or mid-term policy adjustment.
- Mar 2024Series C$54.1M
- Jul 2022Series B$21.9M
- Jun 2021Series A$19.5M
- Aug 2020Series A$11.9M
#3
Series A · Berlin, Berlin · founded 2021$3.7Mraised▾
Conversational AI platform for the insurance industry. Its AI technology provides a safety net by allowing human intervention when the AI encounters situations it cannot handle. Its AI models use generalized learning from diversified data to generate responses.
- Feb 2025Series A$3.7M
#4
Series B · Hamburg, Hamburg · founded 2017 · 85 employees$2.7Mraised▾
Nect provides solutions for identity verification. The product offered by the company includes card i dent and self i dent. The features offered by the product are ID scans, validation, user journey and digital remote identification. It also encrypts data traffic using SSL standard and provide protection from hackers.
- Mar 2025Series B$2.7M
- May 2020Series A—
#5
Series A · Berlin, Berlin · founded 2018 · 32 employees$10.6Mraised▾
Online platform for life and non-life insurances. It offers coverage for personal liability insurance, household contents insurance, life insurance, and health insurance. It also offers recommendation tools for users to find policies and prices based on the requirements.
- Jun 2024Series A$6.4M
- Apr 2022Seed$4.2M
#6
Public · Munich, Bavaria · founded 2015 · 24 employees$180.4Mraised▾
Ottonova provides health insurance for individuals and employees. The company develops an application platform that helps the users to register and access the clinic insurance coverage plans for medical services. They offer concierge services like doctor consultations, treatment plans, medical data storage, prescription management, and more. It also offers a health and fitness policy management app to its customers. It serves self-employed, employees, civil servants, and beneficiaries with full services based on their coverage plans.
- Sep 2022Series F$34M
- Aug 2021Series E$47.4M
- Nov 2019Series D$66.1M
- Jun 2017Series C$11.2M
#7
Series A · Berlin, Berlin · founded 2015 · 49 employees$52.7Mraised▾
Provider of AI solutions for insurance claims processing and automation. It offers products for no-touch automation, agentic co-pilot assistance, and leakage reduction. The AI models are trained on insurance documents and claims data. The company's products are designed to improve profitability, efficiency, and customer satisfaction in insurance claims handling. It provides tools for training custom AI models.
- Nov 2022Series A$12.4M
- Feb 2021Grant (prize money)$60.3K
- Feb 2020Series A$13M
- Sep 2019Grant (prize money)$1.8M
#8
Series C · Frankfurt Am Main, Hesse · founded 2015 · 69 employees$38.5Mraised▾
Thinksurance offers a platform for insurance distribution. It provides products for brokers, associations, agencies, among others. The software features tools for quoting policies, risk analysis, issuing policies, analyzing, documentation, and reporting. Assists distributors and insurers in digitizing the sale process. Uses data analysis & AI technology in improving the bidding process and assessing risk.
- Jun 2023Series C$24M
- Oct 2019Series B$14.5M
#9
Series B · Heidelberg, Baden-wurttemberg · founded 2015 · 156 employees$110Mraised▾
Getsafe provides an app-based on-demand insurance platform for individuals. It offers quotes for dental insurance, content insurance and liability insurance. It offers coverage for property damage, dental checkup & replacement, drone liability, home content, etc. It enables users to buy insurance online, manage policies, and report damages. The app is available for Android and IOS platforms.
- Oct 2021Series B$63M
- Dec 2020Series B$30M
- Jun 2019Series A$17M
- Oct 2015Seed—
#10
Series B · Rostock, Mecklenburg Vorpommern · founded 2016 · 36 employees$21Mraised▾
Online insurance platform for individuals and businesses. It offers quotes for electronics insurance, sports equipment insurance, bicycle insurance, travel insurance, accident insurance, business insurance, and more. It allows users to manage insurance and report claims through the platform.
- Jul 2023Series B$11M
- Jul 2023Conventional Debt—
- Mar 2021Series A$10M
#11
Series C · Frankfurt Am Main, Hesse · founded 2015$127.7Mraised▾
Clark.io is an insurance broker aiming to become the fastest growing and most efficient in Europe. They specialize in breaking down the complex world of insurance through technology, marketing, operations, finance, and insurance products.
- Jan 2021Series C$84M
- Apr 2018Series B$29M
- 2017Series A—
- Aug 2016Series A$14.7M
#12
Series A · Berlin, Berlin · founded 2014 · 48 employees$16.3Mraised▾
Teraki provides an AI-enabled edge processing platform for the automotive industry. It offers embedded software that works as an enabler for current and future IoT/M2M applications. It claims that its solutions reduce the amount of data generated by sensors by up to a factor 10 without compromising its quality. The solution enables the applications to pre-process the sensor data for better decision making. It embeds on one side in the CPU & RAM-constrained chipsets of cars and integrates on the other side at a customer’s backend for the storage, labelling, training, and analysis of reconstructed or reduced data.
- Jan 2023Series A—
- Dec 2019Series A$11M
- Mar 2019Seed$2.3M
- Sep 2018Seed$3M
Funding & investor landscape
Notable founders
How research on Insurtech is moving in Germany
A read on the academic research around Insurtech — which themes are gaining ground, the institutions and researchers driving them, and how the tone is shifting. Based on 6 Germany-affiliated papers.
- Friedrich-Alexander-Universität Erlangen-Nürnberg4
- University of Göttingen2
- Saarland University1
- TH Köln - University of Applied Sciences1
- FH Münster1
- Industrial organization1
- Telematics1
- Adaptation (eye)1
- Structural equation modeling1
- Unified theory of acceptance and use of technology1
- Technology acceptance model1
- Usability1
- Context (archaeology)1
- Telematics1
- Variety (cybernetics)1
- Cover (algebra)1
Common questions
Riya reads income statements for fun. She covers the real money in a sector — revenue, growth, who actually earns — and never met a vague claim she didn't want a number for.