Cobertis

What Cobertis does

Cobertis is an independent insurance brokerage (correduría de seguros) headquartered in Barcelona, Spain, founded in 2011 through the union of five Catalan brokerages. Operating from four offices across Catalonia (Barcelona, Badalona, Manresa, and Mataró), the company serves individual consumers, SMEs, self-employed professionals, and other insurance brokerages, intermediating policies from a network of more than 70 insurance carriers across personal lines (health, life, home, auto, pet, sports, travel), commercial lines (cyber, D&O, transport, civil liability, surety), and collective/group plans. Cobertis also acts as an authorized financial agent for Allianz Soluciones de Inversión under CNMV registration 304, extending distribution into investment products. The company holds ISO 9001:2015 certification, is registered with Spain's DGS (J-2835), and is a member of industry associations Adecose and Cojebro.

Cobertis has built a proprietary technology stack branded the "Selfware paradigm," comprising client-facing platforms (Cobertis mobile app for iOS/Android, eClient portal, eMarket online marketplace, TPV Virtual payment platform integrated with Banc Sabadell) and internal management tools (B Market for automated quoting, B Portal/B Collectis for centralized data aggregation, B Team for internal communications, B Lex for legal services). The Selfware AI ecosystem, adopted in 2026, deploys in-house intelligent agents across production, claims, compliance, administration, marketing, and executive decision-making, building on earlier AI integration into cross-selling processes introduced in April 2024. The company additionally operates a Cobertis Broker Network program that recruits independent brokerages onto its platform, providing brand, methodology, pricing tools, training, CRM, and exclusive products while preserving partner independence.

Cobertis generates revenue primarily through commissions on intermediated insurance premiums, with a disclosed commission figure of €2,850,000 and reported 15% revenue growth at the close of FY2023. Revenue streams also include financial-agent fees from Allianz investment product distribution and transaction fees from digital platform services (eMarket, TPV). The company is privately held with no disclosed external investors, parent entity, or funding rounds, and operates exclusively within the Spanish/Catalan market with no global footprint claims.

Name

Cobertis

Legal name

COBERTIS S.L.

Website

https://cobertis.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

Cobertis is an independent Catalan insurance brokerage operating from four offices in Catalonia, intermediating policies from over 70 insurance carriers for individuals, SMEs, self-employed professionals, and partner brokerages through proprietary digital platforms and an in-house AI ecosystem.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

akta.pro secondary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

Keywords

• Insurance brokerage services
• Personal insurance coverage
• Commercial insurance solutions
• Insurance broker network
• Financial advisory services

Headquarters

HQ city

Barcelona

HQ country

Spain

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Cobertis earns commissions from insurance premiums intermediated through their network of 70+ insurance company partners. The company reports €2,850,000 in commissions, indicating this is a primary revenue stream from policy placement and ongoing management.
2. Financial Agent Services: Cobertis acts as authorized financial agent for Allianz Soluciones de Inversión (CNMV registered 304), earning fees for facilitating investment product distribution.
3. Digital Platform Services: Revenue generated through eMarket online insurance contracting, TPV virtual payment processing, and digital tool access for customers and broker partners.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

Cobertis is an independent insurance brokerage (correduría de seguros) that distributes personal, family, and commercial insurance products from 70+ partner insurers to individuals, self-employed professionals, and SMEs in Catalonia. It complements its advisory service with proprietary digital platforms (Selfware AI ecosystem, eMarket, eClient, TPV Virtual, mobile app) and operates a financial agent service for Allianz Soluciones de Inversión under CNMV registration 304.

Product overview

Cobertis is a Catalan insurance brokerage (correduria) founded in 2011 through the union of five local brokers, operating as an independent intermediary with more than 70 insurance company partnerships. The company offers a unified platform-plus-modules product architecture comprising its core digital client-facing tools (App Cobertis, eClient portal, eMarket marketplace, and TPV Virtual payment platform) alongside internal management platforms (B Market, B Portal/B Collectis, B Team, B Lex, Portal Comercial). Cobertis distributes a broad insurance product portfolio across personal lines (health, life, home, travel, sports, pet), commercial lines (transport, cyber, D&O, civil liability, surety), and collective/group insurance, through its network of four physical offices (Badalona, Barcelona, Manresa, Mataró). The company also operates a Broker Network program allowing independent brokers to leverage the Cobertis brand, systems, and exclusive products. Cobertis acts as a financial agent for Allianz Soluciones de Inversión and has adopted the Selfware paradigm for proprietary AI development.

Differentiator

Problem solved

Functional benefit

Brands

• eMarket: Online platform for innovative insurance products with easy online contracting
• eClient
• B COL·LECTIS
• B Market
• B Team
• B Lex
• TPV Virtual
• TripleSport
• Gossos
• Assistència en viatge

Products and services

• App Cobertis (Mobile Application)

Quantifiable outcome

• 15% revenue increase in 2023

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability8 records

Feature9 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Allianz Soluciones de InversióncoreChannel Partner/ Reseller/ DistributorCobertis acts as authorized financial agent for Allianz Soluciones de Inversión, an entity supervised by CNMV (Comisión Nacional del Mercado de Valores) under registration number 304. This partnership enables distribution of investment products to Cobertis customers through authorized channels.
• AdecoseminorOthersProfessional association membership providing industry representation, best practice sharing, and sector visibility.
• Cojebro (Cooperativa de Joint Brokers)minorOthersBroker cooperative membership enabling collaboration with other brokerages and access to collective resources.
• BONET consultingminorImplementation/ SI/ Consulting PartnerExternal expert providing configuration, design, and support for the Internal Information System (whistleblowing channel). Manages face-to-face communications and ensures compliance with reporting regulations.
• 70+ Insurance CompaniescoreChannel Partner/ Reseller/ DistributorCobertis maintains agreements with over 70 insurance companies to offer customers the best products with the most complete market coverage. Enables independent brokerage comparison and selection services.
• CROWE Legal y TributariominorImplementation/ SI/ Consulting PartnerExternal legal services provider serving as Customer Advocate (Defensor del Asegurado) for handling client complaints and disputes through the Colegio de Mediadores.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Market position

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/cobertis
• LinkedInlinkedin.com/shareArticle?url=https://cobertis.com
• Instagraminstagram.com/cobertis
• Xx.com/cobertis

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

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 Cobertis