Insurfox

What Insurfox does

Insurfox is a Hamburg-based InsurTech and licensed insurance broker (Section 34 d (1) GewO) founded in 2019 by Jürgen Sprang. The company operates an MGA-style B2B platform targeting the transport, logistics, and broader commercial insurance markets, with its flagship product being digital, self-serve carrier's liability insurance compliant with HGB, CMR, and GüKG §7a requirements for EU operating licenses. Beyond the core product, Insurfox offers a broad portfolio of business insurance lines (logistics policy, fleet, commercial building, solar, financial lines, public/professional/product liability, property, electronics, cyber, legal expenses, machinery, accident, health, D&O) and custom insurance solutions for non-standard risks.

Underlying the platform is a cloud-native, API-driven, AI-assisted infrastructure running on Google Cloud's German data centers (Frankfurt, europe-west3) under GDPR, combining quoting, underwriting, policy management, and claims into a unified digital dashboard. Underwriting capacity is sourced through a panel of six established European insurers (Helvetia, Barmenia, HDI, Stuttgarter, AXA, ERGO), with payments processed via PayPal. Insurfox earns commissions and underwriting participation on premiums under an MGA-style model, with quote-based pricing on annual subscription policies and a mix of self-serve (carrier liability) and consultation-led (complex business lines) distribution.

The company serves primarily SMB and mid-market freight carriers, courier/express/parcel operators, freight forwarders, and commercial/industrial businesses across Germany and 17 additional EU countries under freedom of services (excluding Russia, Belarus, Ukraine, Crimea, Luhansk, and Donetsk). Team size is over 15 employees including insurance experts, software engineers, and industry specialists. The company is privately held, has no disclosed funding rounds, no disclosed revenue, and has shown expansion signals through EU cross-border rollout, multi-product portfolio extension, active hiring, and a 2026 European/MENA industry events presence.

Name

Insurfox

Legal name

Insurfox GmbH

Website

https://insurfox.de

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Insurfox is a Hamburg-based InsurTech and licensed insurance broker/MGA founded in 2019 that delivers digital, AI-assisted carrier's liability and broader commercial insurance to transport, logistics, and SMB/mid-market clients across Germany and 17 EU countries via a self-serve, API-driven platform with a six-carrier underwriting panel.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)

akta.pro secondary industries

Data, Analytics & AI for Insurance (Risk, Pricing, Personalization) (FSAGAGAE), Claims Management & Digital FNOL Platforms (FSAGAGAC), Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Digital insurance platform
• Carrier liability insurance
• Transport logistics insurance
• Commercial business insurance
• InsurTech solutions

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums (MGA Model): As a Managing General Agent (MGA), Insurfox earns commissions and underwriting participation on insurance premiums written through its platform. The company provides digital infrastructure for carriers, freight forwarders, and logistics companies to obtain and manage carrier liability insurance.
2. Commercial Insurance Brokerage: Business insurance products including commercial building, solar, property, cyber, legal expenses, and other commercial lines are offered through personal consultation and managed via the online dashboard.
3. Custom Insurance Solutions: Tailored insurance solutions for non-standard risks, special transport, international markets, or specialized requirements developed in collaboration with customers.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Insurfox is a B2B InsurTech platform that provides digital insurance solutions primarily for the transport, logistics, and commercial business sectors. Its core product is Carrier's Liability Insurance (Frachtführerhaftungsversicherung), available for fully online application with instant policy download, compliant with German Commercial Code (HGB), CMR Convention, and GüKG §7a. The platform also delivers a broad Business Insurance portfolio and Custom Insurance Solutions for non-standard risks, all managed through a unified digital dashboard with AI-powered underwriting.

Product overview

Insurfox operates as a B2B InsurTech platform offering digital insurance solutions primarily for the transport, logistics, and commercial business sectors. The core product is Carrier's Liability Insurance (Frachtführerhaftungsversicherung), a digital, fully online insurance for freight carriers compliant with German Commercial Code (HGB) and CMR Convention requirements. The platform serves as an insurance broker licensed under Section 34 d (1) GewO, combining the core transport insurance with an extensive portfolio of Business Insurance products (including Building, Solar, Financial Lines, Liability, Property, Electronics, Cyber, Legal Expenses, Product Liability, Machinery, Accident, Health, D&O, and Fleet Insurance) and Custom Insurance Solutions for non-standard risks. All insurance products are managed through a unified digital dashboard, with automated underwriting processes and partnership with established insurers (Helvetia, Barmenia, HDI, Stuttgarter, AXA, ERGO).

Differentiator

Problem solved

Functional benefit

Products and services

• Carrier's Liability Insurance Digital carrier's liability insurance (Frachtführerhaftungsversicherung) for freight transport operators, covering loss, damage, or delivery delays in compliance with German Commercial Code (HGB) and CMR Convention and meeting statutory requirements for EU operating licenses. Available for online application with instant policy download and immediate coverage effect, with flexible coverage extensions for hazardous goods, refrigerated transport, and theft.
• Business Insurance (Commercial Insurance Portfolio) Flexible commercial insurance portfolio for businesses across multiple industries, including logistics policy, fleet insurance, commercial building, commercial solar, property, electronics, cyber, public liability, professional liability, financial lines, product liability, machinery, accident, health, D&O, and legal expenses insurance. Policies are managed end-to-end through a digital dashboard with transparent terms and tailored coverage for SMEs through to industrial enterprises.
• Custom Insurance Solutions Bespoke insurance solutions developed jointly with customers for non-standard risks, special transport risks, complex operations, international markets, or extraordinary exposures that standard products cannot adequately cover. Leverages Insurfox's MGA status and carrier partnerships to design tailored coverage concepts.

Quantifiable outcome

• Up to 30% savings on fleet insurance depending on claims history
• +1 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature3 records

Partnerships

Seven partnerships are on record, tiered core.

• HelvetiacoreOthersInsurance partner providing coverage solutions. Founded 1858 with approximately 14,500 employees and CHF 11 billion premium volume. One of Insurfox's insurance partners for transport and logistics insurance products.
• BarmeniacoreOthersInsurance partner specializing in business insurance. Founded 1904 with approximately 7,600 employees and EUR 8 billion premium volume. Provides insurance solutions through Insurfox platform.
• HDIcoreOthersInsurance partner focused on industry and business insurance. Founded 1903 with approximately 7,000 employees and EUR 7 billion premium volume. Partner for commercial insurance solutions.
• StuttgartercoreOthersInsurance partner specializing in retirement solutions, risk protection, and company pension plans (bAV). Founded 1908 with approximately 1,600 employees and EUR 830.8 million premium volume.
• AXAcoreOthersGlobal insurance partner for private and commercial insurance. Founded 1817 with approximately 8,091 employees and EUR 12.2 billion premium volume. Provides coverage through Insurfox digital platform.
• ERGOcoreOthersMulti-line insurance partner covering property & casualty, life, and health insurance. Founded 1997/1998 with approximately 37,000 employees and EUR 20.8 billion premium volume.
• Google CloudcoreTechnology or IntegrationCloud infrastructure provider running Insurfox's digital platform on German data centers (Frankfurt region, europe-west3). Ensures GDPR compliance, high data protection standards, and 100% renewable energy matching for cloud operations.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Thinksurance: German B2B insurance platform that digitizes commercial and SME insurance distribution via APIs and broker tools. Directly comparable as a digital-first B2B insurance infrastructure player serving brokers and SMBs in Germany.
• Element Insurance: Berlin-based InsurTech operating as a full-stack MGA/insurer with proprietary digital insurance-as-a-service platform. Directly comparable MGA-style model and core insurance SaaS positioning.
• Wefox: Berlin-based digital insurance broker serving consumers and SMBs with multi-carrier distribution and proprietary tech. Closely comparable broker model, German market focus, and digital-first distribution.
• Getsafe: Heidelberg-based InsurTech digital broker offering insurance products to consumers and SMBs via embedded, mobile-first UX. Comparable German InsurTech broker with a multi-product portfolio and digital infrastructure.
• Friday Insurance: German fully digital insurer (Münster) selling motor and selected P&C lines direct-to-customer. Comparable as a German digital-native insurance challenger with broker-like distribution economics.
• Clark: Frankfurt-based InsurTech providing a digital insurance manager app aggregating policies from multiple carriers for consumers and SMBs. Comparable multi-carrier digital distribution model in the German market.

Broad incumbents

• Allianz Direct: Digital direct arm of Allianz, one of Europe's largest insurers, offering P&C and commercial lines online. Comparable in targeting SMBs with digital distribution, but with incumbent scale and capital advantages.
• HDI Group: Major German commercial and industrial insurer (Talanx group) that is also an Insurfox underwriting partner. Comparable as a large incumbent offering commercial/business insurance lines that overlap with Insurfox's product portfolio.
• BarmeniaGothaer: Large German mutual insurer (formed from Barmenia + Gothaer merger) offering commercial and SME insurance. Comparable in serving the same German SMB and mid-market customer with overlapping P&C, liability, and commercial lines.
• ERGO (Munich Re Group): Major German multi-line insurer and Insurfox partner covering P&C, life, and health. Comparable broad incumbent with digital initiatives competing in the same German commercial and transport insurance space.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/Insurfox
• Facebookfacebook.com/Insurfox
• LinkedInlinkedin.com/company/insurfox
• Instagraminstagram.com/insurfox

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 Insurfox