Tuito
Tuito is a Czech-based embedded insurance intermediary whose API platform and Shoptet/Prestashop plug-ins let e-commerce merchants and travel platforms offer device, travel, and specialty insurance at checkout, earning commission revenue from partner carriers under a ČNB license.
- Company typePrivate
- Founded2020
- HeadquartersPraha, Czechia
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Tuito does
Tuito (legal entity TUITO s.r.o.) is a Czech-registered embedded insurance intermediary founded in 2020 by Petr Zapletal, Michal Štěrba, and Michal Urbánek, headquartered in Prague. The company operates an API-first platform that integrates third-party insurance products into e-commerce checkouts, travel booking flows, and brick-and-mortar point-of-sale systems, with pre-built plug-ins for the dominant Czech/Slovak e-commerce platform Shoptet (25,000+ e-shops) and the global open-source platform Prestashop (300,000+ sites). The product surface spans consumer device protection (mobile phones, displays, cameras, home electronics, jewellery, watches, musical instruments), specialty lines (bike/e-bike, skipper liability, yacht deposit, caravan, ticket cancellation, agricultural drought), and merchant-side B2B insurance (property, liability, forthcoming cyber), underwritten by partner carriers Kooperativa, ERV Evropská pojišťovna, Colonnade, ČSOB pojišťovna, CEE Specialty, and Sealogy. Tuito earns commission-based revenue from these carrier partners as a licensed insurance intermediary (Czech National Bank authorization since March 2021, EU-wide territorial scope), with no direct customer fees and no publicly disclosed pricing. The go-to-market combines direct API integrations for enterprise merchants, plug-in distribution for SMB e-shops, and channel partnerships with travel platforms (Slevomat, eHotel.cz, Travelking, e-chalupy.cz, Boataround, Campiri), supported by an online claims processing module backed by authorized repair partners Bels and Britex.
Tuito firmographics
Firmographics- Name
- Tuito
- Legal name
- TUITO s.r.o.
- Website
- https://tuito.eu
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Tuito is a Czech-based embedded insurance intermediary whose API platform and Shoptet/Prestashop plug-ins let e-commerce merchants and travel platforms offer device, travel, and specialty insurance at checkout, earning commission revenue from partner carriers under a ČNB license.
- Ownership category
- akta.pro rank
Tuito industry classification
Industry- Product category
- Embedded Insurance Platform
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Embedded Travel Insurance Distribution & APIs (THALALAA)
- akta.pro secondary industry
- Trip Cancellation/Interruption & Refund Protection Platforms (THALALAB)
Keywords
Where Tuito is headquartered
LocationHeadquarters
- HQ city
- Praha
- HQ country
- Czechia
- HQ region
- Europe
Offices1 record
Markets served
Tuito business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Insurance Intermediation/Brokerage: Tuito acts as an independent insurance intermediary (insurance broker), earning commissions from insurance companies for mediating insurance products. The company is registered with the Czech National Bank and is remunerated by individual insurance companies through business contracts in the form of agreed commissions. Tuito is not remunerated directly by clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Insurance intermediary services with commission-based compensation |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
Tuito product offering
Product offeringCore offering
Tuito is an embedded insurance intermediary that distributes consumer insurance products (electronics, travel, bikes, jewellery, musical instruments, yachts, caravans, drought, etc.) via a unified API platform and plug-ins for Shoptet and Prestashop, enabling e-commerce merchants and travel platforms to offer insurance at point of sale. The company is authorized by the Czech National Bank as an independent insurance intermediary and earns commissions from insurance company partners for mediating these products.
Product overview
Tuito is an embedded insurance platform for e-commerce that offers a unified API platform supporting both digital and in-store sales channels. The product portfolio centers on Tuito's core Embedded Insurance Technology Platform, which integrates insurance products into e-commerce workflows. For end consumers, Tuito offers specialized insurance products including Mobile Phone Insurance, Display Insurance, Home Electronics Extended Warranty and All-Risk Insurance, Camera Insurance, Bike Insurance, Jewellery and Watch Insurance, and Musical Instrument Insurance through partnerships with ERV Evropská pojišťovna, Colonnade, and Kooperativa. For travel, products include Trip Cancellation Insurance, Extended Skipper's Liability Insurance, Yacht Deposit Insurance, Caravan Insurance, and Ticket Cancellation Insurance. For merchants, the E-Shop Insurance product and Tuito Plug-in for Shoptet and Prestashop enable quick integration without programming. The Online Claims Processing module handles digital claims submission and processing. The SmartSucho+ agriculture drought insurance uses satellite data for automated claims evaluation.
Differentiator
Problem solved
Functional benefit
Products and services
- Embedded Insurance Technology Platform Core technology platform that integrates insurance products into e-commerce workflows and supports both online and in-store sales channels via a unified API; for merchants, the Tuito E-Commerce Plug-in for Shoptet/Prestashop can be installed in minutes without programming.
- Mobile Phone Insurance
Quantifiable outcome
- Insurance sales increased by more than 30 times for a major e-commerce partner
- +1 more outcomes
Companies that use Tuito
Customer profileNamed customers13 records
Segments5 records
Ideal customer profiles3 records
Tuito technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature3 records
Tuito partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core and minor.
- KooperativacoreKooperativa is an insurance company offering comprehensive insurance services covering all essential types of insurance for individuals, small businesses, and large corporations. Tuito partners with Kooperativa for property and travel insurance products.
- ERV Evropská pojišťovnacoreERV is a reliable insurance partner with international background dominating the Czech market. ERV has been the most popular travel insurance company for the last 16 years. Tuito offers mobile phone, display, camera, bike, jewellery, watch, music instrument, and ticket insurance products through ERV.
- ColonnadecoreColonnade is a non-life insurance company offering both traditional and specialized insurance products, owned by Canadian financial holding Fairfax. Tuito offers trip cancellation insurance through Colonnade.
- ČSOB pojišťovnacoreČSOB pojišťovna is a universal insurance company offering comprehensive insurance services to citizens, sole traders, small and medium-sized enterprises, and large corporations.
- CEE SpecialtycoreCEE Specialty is one of the leading insurance agents (MGAs) in the region with underwriting powers and right to arrange contracts on behalf of insurance companies on a pan-European scale. Provides mobile phone and display insurance products.
- SealogyminorSealogy is specialist in development and arranging of insurance products for risks associated with operation of ships, yachts and boats worldwide. Tuito uses Sealogy for skipper liability and deposit insurance products for maritime customers.
- ShoptetcoreShoptet is the absolute leader on Czech and Slovak e-commerce markets providing rental of complete e-shop solutions for more than 25,000 e-shops. Tuito has plug-in integration with Shoptet enabling insurance sales in minutes without programming.
- PrestashopcorePrestashop is a leading global open source e-commerce platform operating over 300,000 websites worldwide. Tuito offers plug-in integration with Prestashop for insurance distribution.
- SlevomatcoreSlevomat is a major Czech deals platform. Tuito signed agreement with Slevomat to sell travel and stay cancellation insurance products to Slevomat customers.
- eHotel.czminoreHotel.cz is a hotel booking platform. New partnership enables eHotel.cz to offer cancellation insurance solutions from Tuito to hotel guests.
- TravelkingminorTravelking is a travel booking platform. Partnership allows Travelking to offer accommodation cancellation insurance from Tuito.
- e-chalupy.czminore-chalupy.cz is a vacation rental platform for cottages and chalets. Partnership provides cancellation insurance exactly for the needs of users.
- BelsminorBels is a service and repair company for black and white electronics, computers, and mobile gadgets. Founded in 1993, operates in Czech Republic and Slovakia. Bels provides repair services for insurance claims processed by Tuito.
- BritexminorBritex provides service and repairs of mobile communication technology, tablets and laptops under direct supervision and authorizations of manufacturers. Founded in 1997, services cover Czech Republic and Slovakia. Provides authorized repair services for Tuito insurance claims.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Tuito competitors and assessment
Company assessmentBroad incumbents
- Cover Genius: Cover Genius is a global embedded insurance API platform serving e-commerce, fintech, and travel companies worldwide. It is comparable to Tuito as a direct competitor in the embedded insurance distribution space, but operates at significantly greater scale and geographic breadth.
- Bolttech: Bolttech is a Singapore-headquartered global insurtech building an embedded insurance ecosystem across multiple markets. Comparable to Tuito in embedded insurance platform model, but operates at much greater scale with extensive carrier partnerships across Asia-Pacific, Europe, and Americas.
- Wakam: Wakam (formerly La Parisienne) is a French B2B2C insurance company specializing in embedded and white-label insurance products for digital platforms. Comparable to Tuito in embedded insurance product partnerships and white-label distribution to digital platforms, though operating at significantly larger scale across Europe.
Direct peers
- Qover: Qover is a Belgian embedded insurance orchestrator providing API-based insurance products across European markets. Comparable to Tuito as a European-focused embedded insurance platform with similar product breadth and partner-driven underwriting model.
- Battleface: Battleface is a travel insurance technology company offering embedded travel and specialty insurance products through partner distribution. Comparable to Tuito in travel insurance product offering and API-based partner distribution model.
- Wrisk: Wrisk is a UK-based embedded insurance platform offering API-driven insurance distribution for retailers and digital businesses. Comparable to Tuito in API-first distribution model and multi-product insurance offerings across consumer goods and travel.
Regional players
- Knip: Knip is a Dutch digital insurance broker and management platform. Comparable to Tuito in digital insurance intermediation and product breadth, though serving primarily the Dutch-speaking European market rather than CEE.
- Air Doctor: Air Doctor is an Israeli travel health and travel insurance platform connecting travelers to medical providers with embedded insurance distribution. Comparable to Tuito in travel insurance distribution and partner integration model, though focused on health-specific use cases.
Emerging players
- Stanis: Stanis is a French AI-powered insurance broker providing embedded and conversational insurance distribution. Comparable to Tuito in digital-first insurance intermediation and multi-product insurance offerings, though with different geographic focus and AI emphasis.
- SuretyGO: SuretyGO is a CEE-focused insurance technology platform offering embedded insurance products for regional markets. Comparable to Tuito in CEE geographic focus and embedded insurance product distribution, though with narrower product scope.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Tuito social profiles
Digital presenceTuito compliance and trust
Trust signalCompliance1 record
Tuito financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tuito leadership team
Management profileNumber of profiles
Profiles3 records
Tuito funding detail
Funding detailFunding overview
Funding rounds1 record
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tuito M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Tuito
What does Tuito do?
Tuito is an embedded insurance intermediary that distributes consumer insurance products (electronics, travel, bikes, jewellery, musical instruments, yachts, caravans, drought, etc.) via a unified API platform and plug-ins for Shoptet and Prestashop, enabling e-commerce merchants and travel platforms to offer insurance at point of sale. The company is authorized by the Czech National Bank as an independent insurance intermediary and earns commissions from insurance company partners for mediating these products.
Is Tuito a public or private company?
Tuito is a private company. It is classified as venture growth investor backed and is currently operating.
When was Tuito founded?
Tuito was founded in 2020. It employs 1 to 10 people.
Where is Tuito based?
Tuito is headquartered in Praha, Czechia, in the Europe region.
How does Tuito make money?
One revenue line is on record: insurance Intermediation/Brokerage.
Who are Tuito's main competitors?
Broad incumbents on record are Cover Genius, Bolttech and Wakam. Direct peers are Qover, Battleface and Wrisk. Regional players are Knip and Air Doctor. Emerging players are Stanis and SuretyGO.
Does Tuito have an API?
Yes. Tuito operates a unified API platform that enables integration for both digital and in-store sales channels. The API platform allows quick and inexpensive transition from existing solutions and enables e-commerce platforms to embed insurance products within their systems. For Shoptet and Prestashop e-commerce platforms, plug-ins can be installed in just a few minutes without programming skills. The API platform supports integration for travel agencies to include insurance in their reservation processes within a few days.
What industry is Tuito in?
Tuito's product category is Embedded Insurance Platform. Its primary akta.pro industry code is THALALAA, Embedded Travel Insurance Distribution & APIs, with a secondary code of THALALAB, Trip Cancellation/Interruption & Refund Protection Platforms. Its NAICS code is 5242 and its SIC code is 6411.