ELEMENT: Shaping the future of insurance together with our partners

Innovative white-label product factory for digital insurance solutions

ELEMENT Insurance AG was founded in 2017 in Berlin, Germany and has become the leading white-label product factory for insurance and a leader in insurance digitalisation.

We are a full stack InsurTech licensed by the German Federal Financial Supervisory Authority as a direct insurer for non-life insurance, which enables ELEMENT to act as a risk carrier - including claims settlement - in all EU countries.

We are focusing on the B2B2X value chain and develop tailor-made, innovative white-label insurance products for our partners. These products are then marketed by the partners under their own brand. The company’s modular, state-of-the-art technology platform allows the development of new products – even those tailored for specific target groups – within only a few weeks.

At the moment we are working together with about 25 partners from various industries. Amongst others VW, Vodafone and Signal Iduna are part of our partner portfolio. 

• White-label insurance solutions

ELEMENT provides fully digital white-label insurance solutions to a variety of industries and sectors – from established insurers to intermediaries and digital companies. We handle the part of the value chain which companies either cannot or do not want to deal with: claims, payments and risk carrying.

• State-of-the-art technology

ELEMENT’s unique modular product platform permits the development of innovative, tailored-made insurance solutions in record speed – including dynamic, data-supported pricing. The platform interacts seamlessly with your technology, thanks to highly adaptable APIs.

Our technology professionals are continually supporting and developing our product platform and setting the industry benchmark for the future.

• Fully licensed insurer

ELEMENT is licensed by BaFin (the German Financial Supervisory Authority) for general (non-life) insurance; hence, we act as risk carriers ourselves, which makes us particularly flexible in our product development.