ELEMENT Insurance AG

ELEMENT Insurance AG is a Berlin-based property and casualty insurer, founded in 2017 and licensed by BaFin.

The company operates as a cloud-based insurtech and white-label insurance platform, primarily serving business partners across Europe. ELEMENT focuses on a B2B/B2B2X model, providing insurance capacity, technology, and operational support, allowing partners to distribute insurance products under their own brands. The company offers a range of services, including primary insurance coverage, risk management support, and data-driven risk assessment. ELEMENT develops custom-made white-label property and casualty insurance products, covering areas such as property, liability, and travel. Its proprietary modular, cloud-native platform enables rapid product creation and integration into partners' customer journeys. ELEMENT collaborates with approximately twenty partners across various industries, including MGAs and e-commerce businesses, in seven European countries.