EMIL Group

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.

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

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

• Insurance core system
• Cloud insurance platform
• Policy administration software
• Insurance claims management
• Insurtech software

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. 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

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core 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

Named customers21 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature8 records

Scale indicators1 record

Recent moves7 records

Expansion highlights5 records

Direct 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

• YouTubeyoutube.com/@EMILGroupGmbH
• LinkedInlinkedin.com/company/emil-de

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds1 record

Investors1 record

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 EMIL Group