Industry landscapes
Industry report

Funding and advertised pay are reported in USD; filed accounts retain their stated source currency and basis.

Exchange-rate basis

Indicative conversions use ECB reference rates dated 2026-09-14, applied consistently across all periods. They are not historical exchange rates. Indian rupees may use crore (1 crore = 10 million); other currencies use K, M and B. CSV downloads, source documents and quoted news headlines retain their original currencies.

THE GERMANY EDITION 2026

Germany’s
insurtech industry,
in focus.

The companies, capital and talent shaping insurtech in Germany. Find the leaders. Understand the segments. See where the activity is.

Snapshot: Funding in USD
Illustrated cover for Insurtech Industry Landscape of Germany
DE
COMPANIES · CAPITAL · TALENT

An industry ecosystem,
measured in context.

Insurtech illustration
MEET THE COMPANIES

Explore Germany’s insurtech leaders

24 featured companies from the funding, hiring, revenue and team-size leaderboards.

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Insurtech company highlights in Germany, snapshot 4 September 2026
Company
Ottonovaottonova.de$180.38M24
Elementelement.in$139.18M115
FRIDAYfriday.de$128.87M166
CLARKclark.io$127.7M
Getsafehellogetsafe.com$110M156
Simplesurancesimplesurance.com$61.68M5 roles120
Omniusomnius.com$54.5M49
Coyacoya.com$40M54
SAP Fioneersapfioneer.com12 roles1,000
Versicherungskammer Bayernvkb.de9 roles766
CHECK24check24.de8 roles3,038
Barmerbarmer.de6 roles
Verivoxverivox.de6 roles329
Fintibafintiba.com4 roles41
adesso insurance solutionsadesso-insure.de4 roles353Financial figure available in RadarView in Radar
Allianz Directallianzdirect.de710
Andsafeandsafe.de
Deutsche Familienversicherungdeutsche-familienversicherung.de178
EMILemil.de14Financial figure available in RadarView in Radar
Fadatafadata.eu249
Friendsurancefriendsurance.com
HUK24huk24.de
Nectnect.com85
Pronova BKKpronovabkk.de1,500
24 featured companies

Locked revenue figures are available in Radar; the eight company financial previews stay the same throughout this page. A dash means the figure is outside these featured lists. Revenue years vary by company; the figures are not a like-for-like revenue comparison. Compare annual accounts ↗

Company discovery

Recorded evidence only

Explore the live startup set in Radar

No company example met every recorded classification, independence and public-profile gate in this snapshot. The live directory may have newer qualifying companies.

Explore classified startups in Radar ↗
THE KEY SIGNALS

Insurtech industry KPIs in Germany

A few useful ratios bring the size of this ecosystem into perspective.

4 September 2026
Hiring participation10.4%

32 of 309 tracked companies have open roles.

Funding participation18.4%

57 of 309 tracked companies have a recorded round.

Top 3 funding share42.1%

Share of disclosed capital received by the three largest recorded recipients.

Median disclosed round$5.72M

Midpoint of 76 rounds with a disclosed amount.

Scale is concentrated. Opportunity is broader. The three largest funding recipients hold 42.1% of disclosed capital, while 81.6% of tracked companies have no recorded funding round.

Explore the segments →
CAPITAL & COMPANY FORMATION

How Germany insurtech has grown

Recorded company formation and disclosed funding across the complete annual series shown.

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2016 — 2025

Disclosed funding by year

Sum of recorded funding rounds · USD

Germany insurtech
$0$73.67M$147.35M$221.02M$294.7M2016: $55.44M20162017: $49.28M20172018: $152.31M20182019: $258.51M20192020: $81.59M20202021: $245.35M20212022: $79.49M20222023: $39.48M20232024: $67.35M20242025: $11.03M2025
View the numbers
Annual insurtech funding and company formation in Germany
YearFunding (USD)FoundedRaising
2016$55.44M326
2017$49.28M2310
2018$152.31M169
2019$258.51M179
2020$81.59M146
2021$245.35M1210
2022$79.49M78
2023$39.48M74
2024$67.35M54
2025$11.03M03
WHERE CAPITAL SITS

Funding concentration

Share of all disclosed company funding.

  • Ottonova16.9%
  • Element13.1%
  • FRIDAY12.1%
  • Other companies57.9%

Funding by stage

110 recorded rounds since 2016

NUMBER OF ROUNDS
Seed & Angel40 36.4%
Series A–B33 30.0%
Series C+ / PE15 13.6%
Grants, debt & other22 20.0%

Recent recorded rounds

Latest recorded rounds · USD
0 rounds

Swipe or scroll horizontally to browse.

Largest and notable recorded rounds

Each card is one recorded round
10 cards

Swipe or scroll horizontally to browse.

Series A06/2018
Coyacoya.com$30M

Backed by Valar Ventures and Yabeo and others.

Series B04/2018
CLARKclark.io$29M

Backed by Portage and White Star Capital and others.

THE BUSINESS BEHIND THE ACTIVITY

Revenue, profitability & financial strength

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Annual accounts availability

The measured Germany identity-to-filing probe did not produce a qualifying designated legal or national-ID join: designated German registry identities do not carry the LEI or ISIN used by bundesanzeiger facts; legal-name matching is prohibited.; The measured Germany identity-to-filing probe did not produce a qualifying designated legal or national-ID join: designated German registry identities do not carry the LEI or ISIN used by bundesanzeiger facts; legal-name matching is prohibited.

DIGITAL FOOTPRINT

Web traffic, app reach and release cadence

How the Germany companies on this page show up online: the sites people visit, the apps they install, and how often those apps ship.

Busiest websites

16 of the 309 companies on this page carry a measured traffic record (5.2%); these are the largest of those, by monthly visits. The median among them is 262,335 visits.

Visits and authority are third-party web estimates, not company-reported figures.

Most-installed apps

32 of these companies (10.4%) publish at least one Android app — 49 apps in all, carrying 30.8M installs between them.

Installs are lifetime totals to date at the June 2026 store reading — a measure of reach, not of people using an app today.

App reach by segment

The busiest app inside each of this page’s own segments, with the quarterly release trend behind it (2024Q2–2026Q2).

SegmentAppsInstallsLeading appRelease trend
Internet First Insurance Platforms4023.9MCHECK24 16.2M
Banking Tech623.3MNect Wallet 6.9M
Alternative Lending416.4MCHECK24 für Profis 240.5K
Insurance It106.9MInsurgo 24.9K
Regtech26.9MOnsite Ident 49
Insurance Distribution215.5KFeather 15.1K

A company can carry several segment tags, so these rows overlap and should not be added together. Trend lines are zero-based and share one quarter grid, so a flat line is a quiet segment, not a missing one.

Release cadence by quarter

New apps published, beside apps whose most recent update landed in that quarter — the second bar is how much of the shelf is still being maintained.

2022Q4: 12022Q4: 02022Q42024Q2: 22024Q2: 02024Q22025Q3: 22025Q3: 22025Q32025Q4: 12025Q4: 32025Q4

Darker bars are new releases, lighter bars apps updated. 23 of 49 apps carry a release date. The series ends at 2025Q4, the last quarter that closed before the June 2026 reading.

INSIDE THE INDUSTRY

The Germany insurtech market map

Explore the segments behind the headline numbers.

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Where companies are building

Rank segments by scale, hiring or disclosed funding.

Fintech259
Enterprise tech144
Consumer digital126
Enterprise software95
Insurance distribution platforms63
Internet first insurers61
Saas47
Fintech saas41
Insurtech saas40
Marketplaces27
Internet first health insurance platforms19
Automotive fintech19

Companies can sit in several segments. Counts and funding overlap.

SEGMENT TO EXPLORE

Fintech

The largest measured segment in this report snapshot.

259companies
12.0%have hiring activity

31 companies hiring · $1.06B disclosed funding

Explore in Radar

How companies make money

Common revenue models; a company can use more than one.

Subscription189
Commission on transaction162
Fee-for-service85
E-commerce - service59
E-commerce - product32
Advertising11
Physical commerce9
Sponsorship1
THE COMPANIES IN MOTION

Who is listing, hiring leaders, launching and winning work

Recorded corporate activity linked to companies in this landscape.

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Recent corporate headlines 10 dated reports
Mergers & acquisitionsgini.net ↗

Banyan Software is acquiring the provider of AI-based solutions in the areas of document intelligence and payment processing.

Mergers & acquisitionsallianzdirect.de ↗

Allianz's acquisition of Eurofil positions the German group as the third largest player in the French direct insurance market.

Funding roundsmuffintech.ai ↗

Enzo’s Seed funding follows comparable early-stage rounds such as muffintech’s €3.5 million Seed and Afori’s €4 million pre-Seed, both in Germany, highlighting strong domestic momentum in the sector.

Mergers & acquisitionsnovum-rgi.com ↗

Polski Bank Komórek Macierzystych sp. z o.o., Poland, (“PBKM”), a wholly owned subsidiary of FamiCord AG, entered today into a Share Sale Agreement with the Family Foundation nOvum and Jan Lewandowski, to acquire 100% of the shares in the stem cell bank “nOvum” spółka z ograniczoną odpowiedzialnością, Poland (“nOvum”).

Mergers & acquisitionsinsurgo.de ↗

Singular Group congratulates BID Equity GmbH on the acquisition of Insurgo GmbH

Funding roundsfriendsurance.com ↗

Round2 Capital invests EUR 7-figure revenue-based financing in Friendsurance, a provider of a digital bancassurance software platform and accompanying services

Funding roundsfriday.de ↗

Friday Harbor, a Seattle, WA-based AI-powered mortgage technology company, has raised $6 million in seed funding.

Funding roundsnect.com ↗

Round2 Capital provides EUR 2.5m revenue-based financing to Nect, a leader in digital identity solutions

Mergers & acquisitionsverivox.de ↗

ProSiebenSat.1 has also signed a binding agreement with a subsidiary of Moltiply Group for the sale Verivox, the consumer energy and household services price comparison website.

Mergers & acquisitionsimmunic.de ↗

Vital Therapies Inc., is throwing in its lot with privately held German drug development firm Immunic AG in a reverse merger that is being encouraged with an additional investment of €26 million (US$29.7 million) from Immunic's shareholders.

Full recorded event mix

Top 9 categories among 42 recorded events in the 24-month window.

Mergers & acquisitions
21
Funding rounds
8
Leadership moves
3
New products
3
Regulatory
2
Asset acquisitions
2
Capital infusions
1
Company announcements
1
Earnings
1
3 activity cards

Swipe or scroll horizontally to browse.

Leadership moves

3 tracked people moves

Fadata ↗
Kirsten Skarnvad

Appointment Chief Commercial Officer

Stefano De Liguoro

Appointment Chief Country Officer

Sita Schwenzer

Appointment Senior Advisor to the CEO

Product launches

Products, platforms and features in the recorded window

Fadata ↗
AI Knowledge Assistant

AI assistive tool

Fadata ↗
INSIS v12.8

core insurance software platform

Regulatory events

2 recorded events

Andsafe ↗

approved for transferFederal Financial Supervisory Authority (BaFin)

authorized takeover of Eurofil brandAutorité de la concurrence

Mergers and acquisitions

Company-linked deal reports; status is preserved as recorded.

Acquirer → targetStatusDateValue / context
banyan softwareGini ↗Announced2026-02-13Not stated in snapshot
Allianz DirecteurofilAnnounced2026-01-20Not stated in snapshot
Polski Bank Komórek Macierzystych sp. z o.o.Novum-RGI ↗Announced2025-09-16Not stated in snapshot
bid equityInsurgo ↗Announced2025-08-11Not stated in snapshot
moltiply groupVerivox ↗Announced2025-03-24Not stated in snapshot
a subsidiary of Moltiply Group S.p.A.Verivox ↗Announced2025-03-21Not stated in snapshot

A discussion or rumour is not a completed transaction. An unstated value is not zero.

PEOPLE & OPPORTUNITY

The talent market

350 postings in the preceding 12 months. The full 1,256-posting snapshot covers 34 employers.

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Most advertised job titles

Ausbildung Für Kaufleute Im Gesundheitswesen (M/W/D) 202695
Ausbildung Kaufleute Im Gesundheitswesen (M/W/D)86
Sales Consultant (M/W/D)28
Ausbildung Für Kaufleute Im Gesundheitswesen (M/W/D)23
Software Architekt (All Genders) Java Produkt­Entwicklung12
Ai Engineer (Intern)11
0 internship postings

2 tracked postings mention remote work.

The seniority mix

328 postings specify a level.

unspecified
928
senior
98
entry
80
manager
68
lead
42
intern
40

Skills employers mention

Top skills across 1,256 tracked postings in the available jobs snapshot.

Github
4
React
4
Ci/Cd
4
Typescript
4
Javascript
4
Ui5 Webcomponents React
4
Tanstack React Query
4
THE PEOPLE BUILDING THE FIELD

Founders and leaders

193 founders and chief executives across 150 companies.

Expand panel +
12 profiles

Swipe or scroll horizontally to browse.

Education networks

8 profiles with education records.

University of Warwick
1
Copenhagen Business School
1
Universitat Politècnica de Catalunya
1
HEC Paris
1
IE Business School
1
Lund University
1
Imperial College London
1
Harvard Business School
1

Prior employers

5 profiles with prior-work records.

McKinsey
3
Boston Consulting Group
1
Google
1

Profiles cover recorded founders and leaders; contact details remain in Radar.

NEWS INTELLIGENCE

How this industry appears in the news

30,473 articles in the measured 12-month window.

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30,473articles in the measured year
8,371articles in 2026Q1
76.9%positive tone in the latest complete year

News volume trends

Insurtech coverage across Germany · articles per complete quarter

03,3186,6369,95413,2722021Q2: 4,3532021Q22021Q3: 5,3122021Q4: 4,3622022Q1: 5,5112022Q2: 5,3402022Q22022Q3: 4,8742022Q4: 6,4252023Q1: 7,6962023Q2: 6,5402023Q22023Q3: 8,2312023Q4: 6,0472024Q1: 7,2692024Q2: 7,5622024Q22024Q3: 7,3822024Q4: 8,0712025Q1: 11,5412025Q2: 6,9242025Q22025Q3: 7,2832025Q4: 7,2862026Q1: 8,3712026Q1
View quarterly article counts
QuarterArticles
2021Q24,353
2021Q35,312
2021Q44,362
2022Q15,511
2022Q25,340
2022Q34,874
2022Q46,425
2023Q17,696
2023Q26,540
2023Q38,231
2023Q46,047
2024Q17,269
2024Q27,562
2024Q37,382
2024Q48,071
2025Q111,541
2025Q26,924
2025Q37,283
2025Q47,286
2026Q18,371

Article volume measures coverage, not market sales.

Tone of coverage over time

2021
12,037 positive · 214 neutral · 2,683 negative
2022
16,537 positive · 443 neutral · 5,151 negative
2023
22,089 positive · 493 neutral · 5,915 negative
2024
22,646 positive · 668 neutral · 6,948 negative
2025
25,376 positive · 659 neutral · 6,976 negative

Leading coverage topics

Insurtech coverage across Germany · ranked by full-period article count.

Military Technology Advancements3,073 articles in the full recorded period
991 recent · 571 prior
International Political Relations2,962 articles in the full recorded period
705 recent · 738 prior
Security And Defense Policies2,850 articles in the full recorded period
711 recent · 652 prior
Cybersecurity And Cyber Warfare2,806 articles in the full recorded period
943 recent · 541 prior
New Product Launches And Innovations2,777 articles in the full recorded period
727 recent · 596 prior
Strategic Partnerships And Collaborations2,728 articles in the full recorded period
753 recent · 604 prior
Technology Adoption And Digital Transformation2,089 articles in the full recorded period
532 recent · 461 prior
Space Warfare And Militarization Of Space2,051 articles in the full recorded period
706 recent · 381 prior
Weapons Of Mass Destruction (Wmds)1,573 articles in the full recorded period
441 recent · 344 prior
Naval And Aerial Combat Operations1,428 articles in the full recorded period
538 recent · 243 prior

Recent and prior counts use the source comparison windows.

Topics gaining and losing attention

Insurtech coverage across Germany

KeywordRecentPriorChange
drone electronic warfare35423054%
drone warfare28595200%
aerial bombardments26466300%
defense trade policy24116348%
drone logistics support23415947%
ai-targeting uavs14910641%
anti-drone jamming1307086%
national security space policy1136282%
swarm drone coordination1056562%
stock performance1015971%
missile warning systems70111-37%
hypersonic missiles6497-34%
fighter jets4977-36%
energy-efficient buildings2675-65%
safe water initiatives4374-42%

Event and signal lenses

Insurtech coverage across Germany

All complete annual cohorts shown
Rising

Regulatory Risk

32,870 classified articles

defense trade policy, stock performance, urban sustainability

39.6% critical · 43.9% positive
Rising

Funding Momentum

9,739 classified articles

weapons system funding, military spending bills, military budget justification

40.2% critical · 52.0% positive
Rising

Growth

23,694 classified articles

industrial pumping, industrial sector performance, drone electronic warfare

27.8% critical · 51.9% positive

Insurtech coverage across Germany. Topic labels describe recorded classifications and can include broad context.

GEOGRAPHIC FOOTPRINT

Where companies are based

Company counts, hiring and disclosed funding across the recorded hubs.

Expand panel +
8 cards

Swipe or scroll horizontally to browse.

UNDERSTAND THE LANDSCAPE

Insurtech in Germany: key questions

Clear definitions for making better comparisons.

What does this landscape measure?

It measures the tracked company ecosystem, recorded funding, hiring and other available evidence. It is not a market-size estimate.

Can segment counts be added together?

No. A company can belong to several segments, so segment counts and funding can overlap.

What does a missing figure mean?

A dash or unavailable panel means the current reviewed source snapshot does not support that figure.

Company ecosystem snapshot: 4 September 2026. Funding is recorded in USD; filed accounts retain their stated currency and reporting basis. Each section identifies its own coverage. The news and research behind these sections is explorable in Prism.

Canonical landscape ↗
Coming soon