Onesurance

What Onesurance does

Onesurance B.V. is a Dutch AI-SaaS vendor founded in 2022 and headquartered in Breda with a secondary office in Amsterdam. The company sells an "AI-growth engine" specifically to large and mid-sized insurance intermediaries and volmachten (binding agents), distinct from solutions aimed at carriers. Its platform ingests live portfolio data from existing policy administration systems — ANVA, CCS, MSS/MSB, Acturis, and DIAS — without data migration, and runs on Microsoft Azure with EU data residency. The core is composed of six modules (Top Defend for retention, Top Sales for cross-sell, Top Acquire for new business, TopRisk for risk assessment, Top Care for care obligation compliance, Top Fit for customer value), supported by four AI agents (Mail, Chat, Bulk, Research), a Management Cockpit, and an Advisors Portal that delivers daily prioritized action lists. The platform claims to be operational within three weeks and to surface measurable portfolio outcomes within three months.

The company monetizes through a fixed monthly subscription scaled to portfolio size (€900/month at the Klein tier, €2,000/month at Middel, €5,000–€10,000/month at Groot, and custom Enterprise pricing above 300,000 relationships), with annual CPI indexation and per-policy add-ons for individual modules. Go-to-market is sales-led: direct outreach to management teams at intermediaries with 10,000+ customer relationships, demo-driven conversion on prospect data, and event presence at BIBA, InsureNXT, VIP re:Invent, and Insurtech Insights Europe. The company cites approximately twenty named customer logos spanning Allianz, Nationale Nederlanden, Achmea, Alpina Group, Soderberg & Partners, and others across Benelux, DACH, and the UK, with a single detailed anonymized case study ('Top-10 intermediair') documenting 75% churn reduction, 80%+ cross-sell hit ratio, and €950K of customer value retained. The platform is GDPR-compliant since inception, DORA-ready, targeting ISO 27001 by Q2 2026, and preparing for EU AI Act compliance. One funding round is disclosed (October 2024, led by Curiosity VC with Smarter Ventures).

Name

Onesurance

Legal name

Onesurance B.V.

Website

https://onesurance.ai

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Onesurance is a Dutch AI-SaaS vendor founded in 2022 that sells an AI-growth engine — six modules and four AI agents — to large and mid-sized European insurance intermediaries and volmachten with 10,000+ customer relationships, integrating with major policy administration systems to drive retention, cross-sell, and new business.

Ownership category

akta.pro rank

Product category

Insurtech SaaS

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Data, Analytics & AI for Insurance (Risk, Pricing, Personalization) (FSAGAGAE)

Keywords

• Insurance intermediary software
• AI portfolio analytics
• Insurtech SaaS platform
• Policy administration integration
• Customer retention AI

Headquarters

HQ city

Breda

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. AI-as-a-Service Subscription: Fixed monthly subscription based on portfolio size (number of policies). License for software use plus hosting, computing power, support, continuous monitoring, new releases, annual reporting, and limited consultancy. Price is based on number of policies rounded down to nearest 10,000, with annual repricing. Prices indexed annually to CBS CPI.
2. Add-on Product Modules: Additional product components (Top Defend, Top Sales, Top Acquire, TopRisk, Top Care, Top Fit) billed per policy per year, with each module priced separately.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Onesurance operates an AI-as-a-Service SaaS platform that turns insurance policy data into predictable portfolio growth for insurance intermediaries and volmachten. The platform combines six analytical modules (Top Defend, Top Sales, Top Acquire, TopRisk, Top Care, Top Fit) and four AI agents (Mail, Chat, Bulk, Research) on top of 60+ AI models, delivered with a Management Cockpit and Advisor Portal.

Product overview

Onesurance is an AI-growth engine platform designed for insurance intermediaries and volmachten (managing general agents) with 10,000+ customers. The platform consists of a unified core system with six modules (Top Defend, Top Sales, Top Acquire, TopRisk, Top Care, Top Fit) that analyze policy data to identify retention risks, cross-sell opportunities, and new business prospects. These modules generate leads that are executed by four AI agents (Mail Agent, Chat Agent, Bulk Agent, Research Agent). The platform includes a Management Cockpit for business impact tracking and an Advisor Portal for daily prioritized action lists. It integrates with major policy administration systems (ANVA, CCS, MSS, Acturis, DIAS) and operates within 3 weeks without IT projects.

Differentiator

Problem solved

Functional benefit

Products and services

• Onesurance AI-growth Engine Platform Core SaaS subscription platform built on 60+ AI models, hosted on Microsoft Azure with EU data residency, that connects to existing policy administration systems to deliver churn prediction, cross-sell, acquisition, risk, care obligation, and customer value signals to insurance intermediaries.
• Top Defend Retention module that identifies customers with the highest combination of churn risk and commission value so advisors can act before policies are cancelled.
• Top Sales Cross-sell and up-sell module that signals which customers have the highest probability of purchasing additional policies.
• Top Acquire New business module that identifies profitable new business relationships in the user's region.
• TopRisk Risk assessment module providing in-depth analyses of risks and possible policy extensions per customer.
• Top Care Care obligation module that proactively signals and mitigates duty-of-care risks toward regulators.
• Top Fit Customer value module that calculates net customer value per relationship and directs advisor time toward the highest-value clients.
• Management Cockpit Business impact dashboard showing retention, sales, and customer value per location in real time, expressed in commission and EBITDA.
• Adviseurs Portaal (Advisors Portal) Prioritized daily action list per advisor with morning briefings on which customer needs attention and why, including conversation preparation.

Quantifiable outcome

• 75% reduction in churn (royement)
• +6 more outcomes

Named customers21 records

Segments5 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability6 records

Feature12 records

Partnerships

Ten partnerships are on record, tiered core.

• Insurtech AmsterdamcoreStrategic or Co-development PartnerSelected by Insurtech Amsterdam's insurtech leaders community, providing international recognition for Onesurance's AI approach in the insurance market.
• InsurTech Hub MunichcoreStrategic or Co-development PartnerSelected insurtech hub in Munich's digital hub with 200+ startups, providing ecosystem validation and community support.
• Insurtech UKcoreStrategic or Co-development PartnerSelected insurtech hub as part of Insurtech UK members community, validating the company's UK market approach.
• Swiss InsurTech HubcoreStrategic or Co-development PartnerSelected by Swiss InsurTech Hub in Zürich. The hub invited Onesurance founder Dennie van den Biggelaar to speak at Insurtech Insights Europe 2026 in London.
• ANVAcoreTechnology or IntegrationLive integration with ANVA policy administration system. Direct data synchronization with ANVA for real-time customer profiles, policy data, and claim history without manual exports.
• CCScoreTechnology or IntegrationFull integration with CCS for automated data exchange and portfolio analysis.
• MSS/MSBcoreTechnology or IntegrationSupported integration with MSS and MSB environments for Dutch and Belgian intermediaries.
• ActuriscoreTechnology or IntegrationIntegration with Acturis for brokers in the UK and Irish market.
• DIAScoreTechnology or IntegrationIntegration with DIAS for the Belgian market. Policy data and customer segmentation available directly.
• Microsoft AzurecoreTechnology or IntegrationOnesurance AI-as-a-Service is hosted on Microsoft Azure Cloud services. Uses Azure West Europe data center in Middenmeer, Netherlands. Back-up policy as per Azure standards with Zone Redundant Storage. 100% EU data residency.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Tractable: AI computer-vision platform for insurance claims and property damage assessment. Comparable as a well-funded European insurtech applying AI to insurance operations, though focused on claims rather than intermediary growth.
• Cytora: AI-powered commercial insurance underwriting and risk digitization platform. Comparable emerging insurtech applying AI to commercial lines workflows; partial overlap with Onesurance's risk and portfolio analytics modules.

Direct peers

• Zelros: French AI platform for insurance distribution and customer experience. Most comparable direct competitor: Onesurance names Zelros explicitly as a peer, both building AI-driven growth/retention tooling for insurance intermediaries and carriers.
• Planck: AI platform that aggregates and analyzes commercial insurance data for underwriting and distribution. Comparable AI-driven data analytics targeting insurance intermediaries and carriers, with similar predictive use cases around risk and customer value.
• Riskalyze: Risk tolerance and analytics platform built for financial advisors and insurance intermediaries. Comparable as a direct peer delivering AI/analytics-driven insights to advisors to drive retention, cross-sell, and customer prioritization in insurance distribution.

Broad incumbents

• Zywave: Provider of sales, analytics, and content tools for insurance brokers. Comparable as a broad incumbent offering growth, analytics, and marketing tools to intermediaries; overlaps with Onesurance's growth-engine positioning across the broker tech stack.
• Akur8: AI-powered insurance pricing platform for carriers. Comparable as a referenced peer operating in insurance AI analytics; Akur8 focuses on carrier pricing rather than intermediary growth but competes for the same AI-in-insurance mind share.
• Vertafore: Major provider of agency management and insurance distribution software in North America. Comparable as a broad incumbent broker technology platform; less of a direct overlap in Europe but a structural competitor for intermediary AI tooling globally.
• Applied Systems: Largest global provider of agency management systems and broker technology (Epic, TAM). Comparable as the dominant incumbent platform for insurance intermediaries that Onesurance integrates with and could eventually compete against for workflow ownership.
• Earnix: Established AI pricing and personalization platform primarily for insurance carriers. Comparable as a broader insurtech AI incumbent referenced by Onesurance; serves the carrier side of the value chain with significant capital and global reach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/onesurance

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

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 Onesurance