EMIL Group
EMIL Group is a Berlin-based B2B SaaS company that provides a cloud-native, no-code core insurance system covering the full value chain — from quote and underwriting to claims and BI — to insurance carriers, MGAs, and non-insurance brands entering insurance across the DACH region.
- Company typePrivate
- Founded2016
- HeadquartersBerlin, Germany
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What EMIL Group does
EMIL Group GmbH is a Berlin-based B2B SaaS company founded in 2016 that builds and sells a cloud-native core insurance system, the EMIL Insurance Suite, covering the full insurance value chain from quote, bind, and underwriting through product, policy, and claims management, customer and partner management, reporting and BI, and a standalone premium benchmarking module. The platform is delivered on a modular, service-oriented, cloud-native architecture with modern REST and SDK interfaces, certified against BaFin, GoBD, and GDPR, and operated through a no-code/low-code configuration layer that lets insurance business teams set up products, prices, and processes without IT support.
Revenue is generated through multi-year SaaS subscriptions that bundle licensing and project costs into a single all-inclusive fee; pricing is custom and not publicly disclosed. Go-to-market is enterprise direct sales led by the Managing Directors and a VP of Sales & Marketing, primarily across the DACH region with offices in Berlin and Zurich.
EMIL serves two customer segments: traditional insurance carriers modernizing legacy portfolios or launching new products (Gothaer, Die Continentale, Signal Iduna, SV Sparkassen, RheinLand, Janitos, Verti, Funk Gruppe, BGV, Orion) and non-insurance companies entering insurance as a core or embedded business line (Swisscom, Vodafone, Ontos, LeaseMyBike, Climatica, MyWay). Notable outcomes include enabling Swisscom to build insurance as a core business in under six months, launching Germany's first Pay-Per-Mile product with Gothaer, and launching the German market's first try-before-you-buy telematics product with Vodafone in four weeks.
EMIL Group firmographics
Firmographics- Name
- EMIL Group
- Legal name
- EMIL Group GmbH
- Website
- https://emil.de
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- EMIL Group is a Berlin-based B2B SaaS company that provides a cloud-native, no-code core insurance system covering the full value chain — from quote and underwriting to claims and BI — to insurance carriers, MGAs, and non-insurance brands entering insurance across the DACH region.
- Ownership category
- akta.pro rank
EMIL Group industry classification
Industry- Product category
- Insurance Core Software
- NAICS
- Software Publishers (513210), Other Insurance Related Activities (52429)
- SIC
- Services-Computer Integrated Systems Design (7373), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)
- akta.pro secondary industries
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL), Insurance Program Administration & MGA/MGU Services (FSAEADAK)
Keywords
Where EMIL Group is headquartered
LocationHeadquarters
- HQ city
- Berlin
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
EMIL Group business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Software-as-a-Service (SaaS) Subscription: True Software as a Service model including all licence fees and project costs, enabling low total cost of ownership. The EMIL Insurance Suite is provided as a cloud-based core insurance system with modular capabilities.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | SaaS subscription model - custom pricing based on customer requirements |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels4 records
EMIL Group product offering
Product offeringCore offering
EMIL Group provides a cloud-native SaaS core insurance system (EMIL Insurance Suite) covering the entire insurance value chain from quote & bind through underwriting, policy administration, claims management, and customer service. The platform is designed for insurance companies, MGAs, and InsurTechs to modernize legacy systems, launch new products rapidly, and operate insurance portfolios without in-house IT resources.
Product overview
The EMIL Insurance Suite is a cloud-native SaaS core insurance system with a modular platform architecture. The suite comprises seven integrated modules: Quote, Bind & Underwriting for sales simplification and accelerated market entry; Product Engine, Policy & Claims for product configuration, policy administration, and claims processing; Customer & Partner Management for comprehensive account and partner management; Reporting, Analytics & BI for business intelligence; Services and more providing a plug-and-play marketplace; and EMIL Premium Benchmarking for competitor analysis and price optimization. All modules operate through a no-code/low-code interface, enabling business departments to manage and adapt the system without programming skills.
Differentiator
Problem solved
Functional benefit
Products and services
- EMIL Insurance Suite Cloud-native SaaS core insurance system with modular platform technology covering the entire insurance value chain from quote & application through claims management and customer service, targeted at insurance companies, MGAs, and InsurTechs.
- EMIL Premium Benchmarking Browser-based stand-alone product benchmarking module that works independently and enables intelligent tariff optimization through up-to-date market data and live competitor analysis for insurance pricing decisions.
Quantifiable outcome
- Swisscom launched insurance business in less than six months using EMIL's cloud-based core insurance system
- +3 more outcomes
Companies that use EMIL Group
Customer profileNamed customers21 records
Segments2 records
Ideal customer profiles2 records
EMIL Group technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature8 records
EMIL Group partnerships and signals
Strategic signalScale indicators1 record
Recent moves7 records
Expansion highlights5 records
EMIL Group competitors and assessment
Company assessmentDirect peers
- Socotra: Socotra provides a cloud-native, API-first core insurance platform with a configurable product engine, the closest architectural analogue to EMIL's modular, no-code approach.
- Duck Creek Technologies: Duck Creek offers a cloud-native SaaS suite for P&C insurers covering policy, billing and claims, directly overlapping EMIL's Insurance Suite modules and target buyer.
- Prima Solutions: Prima Solutions delivers a SaaS insurance suite (Prima XL) for P&C and health carriers in Europe, sharing EMIL's cloud-native, modular coverage of the policy-to-claims value chain.
- EIS Group: EIS offers a cloud-native core insurance platform (PolicyCore, ClaimCore, BillingCore) targeting large multi-line carriers, competing with EMIL at the upper end of the same buyer segment.
- Guidewire Software: Guidewire is the largest dedicated core insurance SaaS vendor (PolicyCenter, BillingCenter, ClaimCenter), competing head-on with EMIL for end-to-end policy, billing and claims deals at mid-market and tier-1 carriers across Europe.
- TIA Technology: TIA Technology provides a configurable insurance platform (TIA, e-Guide) widely used by European insurers and MGAs; competes with EMIL for policy admin and product configuration workloads in DACH and Northern Europe.
- Adacta: Adacta sells FinCore and other insurance core platforms across Europe with deep life and non-life coverage, overlapping with EMIL in continental European carrier deals.
Emerging players
- Earnix: Earnix is a pricing and analytics SaaS provider used by insurers for tariff optimisation, overlapping directly with EMIL's Premium Benchmarking module on AI-driven price optimisation.
Regional players
- msg life: msg life is a German-headquartered insurance software vendor focused on life and health core systems with deep DACH penetration, frequently on RFP shortlists alongside EMIL for German carriers.
Broad incumbents
- msg (msg Group): msg group is a large German IT consultancy and software house with broad insurance industry coverage including core systems, consulting and cloud services, frequently competing with EMIL on large German transformation programmes.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
EMIL Group social profiles
Digital presenceEMIL Group compliance and trust
Trust signalCompliance3 records
EMIL Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
EMIL Group leadership team
Management profileNumber of profiles
Profiles4 records
EMIL Group funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
EMIL Group 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 EMIL Group
What does EMIL Group do?
EMIL Group provides a cloud-native SaaS core insurance system (EMIL Insurance Suite) covering the entire insurance value chain from quote & bind through underwriting, policy administration, claims management, and customer service. The platform is designed for insurance companies, MGAs, and InsurTechs to modernize legacy systems, launch new products rapidly, and operate insurance portfolios without in-house IT resources.
Is EMIL Group a public or private company?
EMIL Group is a private company. It is classified as venture growth investor backed and is currently operating.
When was EMIL Group founded?
EMIL Group was founded in 2016. It employs 11 to 50 people.
Where is EMIL Group based?
EMIL Group is headquartered in Berlin, Germany, in the Europe region.
How does EMIL Group make money?
One revenue line is on record: software-as-a-Service (SaaS) Subscription.
Who are EMIL Group's main competitors?
Direct peers on record are Socotra, Duck Creek Technologies, Prima Solutions, EIS Group, Guidewire Software, TIA Technology and Adacta. Earnix is listed as an emerging player. msg life is listed as a regional player. msg (msg Group) is listed as a broad incumbent.
Does EMIL Group have an API?
No public API is recorded for EMIL Group.
What industry is EMIL Group in?
EMIL Group's product category is Insurance Core Software. Its primary akta.pro industry code is FSAGAGAB, Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS), with a secondary code of FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms. Its NAICS code is 513210 and its SIC code is 7373.