mailo

What mailo does

Mailo AG is a Cologne-based digital insurance broker (Assekuradeur) that designs, prices, and distributes commercial and personal insurance products exclusively through a B2B broker (Versicherungsmakler) channel. Founded in December 2017, the company targets modern self-employed professionals, service providers, and small businesses across Germany, with product coverage spanning over 1,500 business types. Its portfolio includes mailo business protect, mailo building, mailo home, and vertical-specific variants for retail (Handel), gastronomy, skilled trades (Handwerk), and legal professionals (Rechtsanwälte), all delivered through a cloud-based, API-first, BiPRO-compliant infrastructure that enables real-time tariffing and policy issuance.

The technology stack emphasizes digital workflows with sub-10-minute desktop contract completion and sub-5-minute mobile completion, plus an AI-supported portfolio suite for broker analysis, optimization, and portfolio migration via the mailo Portfoliotransfer-Agent. Underwriting capacity is sourced through a strategic partnership with the Global-Gruppe, and claims handling is advertised within three business days when documentation is complete. The platform integrates directly with broker systems via APIs, embedded calculators, and a dedicated broker portal.

Mailo earns recurring commission on premiums facilitated through its broker partner network, with commission embedded in the insurance premium. The firm operates with a team of 25 insurance and IT professionals bringing over 250 years of combined industry experience, is backed by founding investors STS Ventures and Hevella Capital, holds an insurance intermediary registration under § 34d GewO (D-PK8M-0G6GN-21), and was awarded the BSFZ Siegel for innovative research by the Federal Ministry of Finance. Revenue is not publicly disclosed.

Name

mailo

Legal name

mailo AG

Website

https://mailo.de

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Mailo AG is a Cologne-based digital insurance broker (Assekuradeur) that designs and distributes modular commercial and private insurance products through a German broker partner network, targeting self-employed professionals and small businesses across over 1,500 business types.

Ownership category

akta.pro rank

Headquarters

HQ city

Köln

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Commission: mailo AG acts as an insurance broker (Versicherungsvermittler) earning commission on insurance products sold through broker partners. Commission is included in the insurance premium and varies by insurance company.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

mailo AG is a digital insurance broker (Assekuradeur) that designs, underwrites, and distributes modular insurance products (commercial business, building, and private lines) exclusively through German insurance broker partners. Its offering combines a cloud-based, API-first, BiPRO-compliant platform with AI-supported claims handling, real-time tariffing, and a KI-gestützte Portfolio-Suite that enables brokers to quote, bind, and transfer insurance portfolios fully digitally without paperwork.

Product overview

mailo is a digital insurance broker (Assekuradeur) offering a modular product portfolio centered on three core lines: mailo business protect (commercial insurance), mailo building (building/property insurance), and mailo home (private insurance), complemented by business building and industry-specific variants targeting retail, gastronomy, crafts, and legal professionals. All products are delivered through a cloud-based, modular infrastructure with fully digital application, quoting, and policy issuance workflows. The offering is anchored by a KI-gestützte Portfolio-Suite for broker portfolio analysis and optimization, and the mailo Portfoliotransfer-Agent for digital portfolio migration. The company serves over 1500 modern business types (Betriebsarten) through insurance brokers, leveraging BiPRO-compliant data standards and real-time tariff calculation.

Differentiator

Problem solved

Functional benefit

Products and services

• mailo business protect Core commercial insurance product tailored for modern self-employed professionals, service providers, and small businesses. Provides modular coverage with clear conditions and a fully digital application and policy issuance workflow.
• mailo building Building insurance covering damage from fire, water leakage, storms, and other perils. Protects offices, medical practices, and warehouses with optional extensions and digital claims handling.
• mailo home Private insurance product for individual customers covering special risks including single-family homes, personal liability, and household contents. Fully digital purchase with rapid policy issuance.
• mailo business building Commercial building insurance product for business premises, providing structural damage and related risk protection for commercial property owners.
• mailo Handel Insurance product targeting the retail sector, including physical retail (Einzelhandel) and e-commerce (Onlinehandel), with tailored coverage for retail-specific operational risks.
• mailo Gastronomie Insurance product specifically designed for the restaurant and hospitality sector (Gastronomie), addressing industry-specific operational and liability risks.
• mailo Handwerk Insurance product tailored for skilled tradespeople and craftsmen (Handwerk), covering trade-specific risks with modular, digitally managed policies.
• mailo Rechtsanwälte Specialty insurance product designed for lawyers (Rechtsanwälte), offering professional liability and practice-specific coverage with digital policy management.
• mailo Portfoliotransfer-Agent Digital portfolio transfer service for brokers that fully digitally migrates existing insurance portfolios, including structured data preparation, targeted offer creation, and import into target broker systems.

Quantifiable outcome

• Contract conclusion and documentation in under 10 minutes (desktop) or under 5 minutes (mobile)
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature4 records

Partnerships

One partnership is on record.

• Global-Gruppe (Global Versicherungen)coreStrategic or Co-development PartnerGlobal-Gruppe provides reinsurance capacity and risk carriers for mailo's insurance products. The partnership combines established insurance carriers with modern digital technology for commercial insurance distribution.

Scale indicators3 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Wefox: European insurtech operating a digital insurance platform connecting brokers, carriers, and customers. Directly comparable to mailo as a digital intermediary with broker-network distribution and significant funding.
• Getsafe: German digital insurer focused on SMBs and self-employed consumers with fully digital policy processes. Highly comparable to mailo's digital-first commercial insurance offering and target segment.
• Clark: Frankfurt-based digital insurance broker delivering insurance through an app-based platform. Comparable to mailo as a German digital insurance intermediary with API-driven distribution.

Emerging players

• Friday Insurance: German digital insurer offering mobile-first insurance products. Comparable in digital-first approach but overlaps more on consumer lines than broker-led SMB distribution.

Broad incumbents

• Hiscox: Specialty insurer with strong SMB and professional liability focus in Germany. Comparable to mailo's commercial insurance offering for trades, lawyers, and small businesses, though operating as a carrier rather than broker.
• Allianz: Germany's largest insurer with broad commercial and personal lines. Comparable as a competitor in mailo's target segments and increasingly digitising broker interfaces via BiPRO-compliant APIs.
• Barmenia Versicherungen: Established German insurance group offering commercial and personal lines with broker distribution. Comparable to mailo as a traditional competitor in the German broker channel undergoing digital transformation.
• HUK-COBURG: Major German mutual insurer with a significant broker and direct distribution presence. Comparable to mailo as an incumbent increasingly investing in digital broker-portal capabilities.

Regional players

• Baloise Insurance: Swiss-headquartered insurer with German operations and growing digital platform investments. Comparable to mailo as a Europe-based insurer pursuing digital distribution partnerships with brokers.

Others

• Assekuradeur-Maklerverbund (e.g., VEMA): German broker network/pool for Versicherungsmakler. Comparable to mailo as a broker-channel infrastructure provider, though operating as a cooperative rather than a digital Assekuradeur product manufacturer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/mailo_ag

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about mailo