Onlynnov

What Onlynnov does

Onlynnov SAS is a France-based insurance brokerage and insurtech founded in 2016 by Guillaume Santiago, registered with ORIAS (no. 16 003 770) and supervised by the ACPR. The firm operates as a specialist broker exclusively serving technology companies across three verticals — numérique (software publishers, SaaS, cloud, telecoms, IT services/ESN-SSII), industries de la santé (Medtech, Biotech, Pharma, CRO/PRRC), and électronique (robotics, IoT, mechatronics) — with 700+ insured clients ranging from startups to mid-sized enterprises. Customer segments are concentrated in French tech but extend internationally through partnerships such as Alliant America for US-market coverage.

The company's core technology is a hybrid digital platform combining a self-serve online subscription portal (assurance.onlynnov.com) with a dedicated client extranet (clients.onlynnov.com). The platform generates tariff simulations in approximately three minutes without requiring upfront personal data, auto-produces bilingual French/English insurance certificates, and supports a portfolio of 20+ customizable products across eight categories: RC Professionnelle, Cyber-risques, Tech360 (combined RC Pro + Cyber with explicit AI-risk coverage up to €5M), Sciences de la Vie, Multirisque Pro, Responsabilité des Dirigeants, Homme/Femme Clé, and Frais de Santé & Prévoyance. Distribution combines the self-serve flow with sector-specialized expert broker advisory delivered via phone, email, and video, plus a content-led marketing function and an investor-driven referral channel tied to French VC fundraising due diligence.

Onlynnov earns revenue through insurance intermediation commissions from a network of 40+ insurer partners on placed policies, with ancillary fees tied to payment frequency and a €25 SEPA rejection charge. The firm is privately held, founder-owned and bootstrapped, with no disclosed institutional funding rounds or M&A activity. Operational headcount is reported at 1-10 employees despite the 700+ client base, indicating a high-leverage specialist model. Geographic footprint is anchored in France, with international coverage provided via partner brokers in the United States and Canada for clients expanding abroad.

Name

Onlynnov

Legal name

ONLYNNOV SAS

Website

https://onlynnov.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Onlynnov is a France-based ORIAS-registered insurance broker and insurtech founded in 2016, specializing in RC Pro, Cyber, D&O, and life sciences coverage for 700+ French tech companies across digital, health, and electronics verticals, distributed via a hybrid self-serve platform and expert broker model.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industry

Technology Errors & Omissions (Tech E&O) / Professional Liability (FSAJAOAC)

Keywords

• Tech insurance brokerage
• Professional liability insurance
• Cyber risk insurance
• Life sciences insurance
• Directors and officers coverage

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Intermediation Commission: Onlynnov acts as an insurance intermediary (ORIAS registered, no. 16 003 770) between clients and insurers. It receives commissions from insurers on placed policies, plus ancillary policy fee charges depending on the premium payment frequency selected (annual, semi-annual, quarterly, monthly). Additional SEPA payment rejection fees of €25 apply.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Onlynnov is an ORIAS-registered insurance broker (assurtech) that intermediates specialized insurance contracts between French technology companies and more than 40 insurer partners. It distributes a portfolio of 20+ tailored policies covering professional liability (RC Pro), cyber risks, a combined RC Pro + Cyber "Tech360" product including AI-specific risks, life sciences/Medtech/Biotech/Pharma coverage, multirisk professional, D&O, key person, and employee health & welfare, sold either through an online subscription portal or via dedicated expert brokers.

Product overview

Onlynnov is an Assurtech (insurance technology company) operating as a multi-line insurance broker for tech companies in three sectors: digital/numerical, health/life sciences, and electronics. The company offers a portfolio of 20+ tailored insurance products centered on a core platform combining an online quote/subscription service and a client extranet portal. The main product lines include RC Professionnelle (professional liability), Cyber-risques (cyber insurance), Tech360 (combined RC Pro + Cyber including AI-specific coverage), Sciences de la Vie (life sciences/Medtech/Biotech/Pharma), Multirisque Pro (multi-risk business), Responsabilité des Dirigeants (D&O), Homme/Femme Clé (key person), and Frais de Santé & Prévoyance (health and welfare). All products are customizable with over 10 adjustment criteria and can be subscribed through the online platform or with a dedicated expert broker.

Differentiator

Problem solved

Functional benefit

Products and services

• RC Professionnelle Standalone professional liability insurance covering tech companies against claims arising from their professional activities; designed for software publishers, SaaS, IT services, telecoms, cloud, robotics, IoT, and Medtech/Biotech firms.
• Cyber-risques Standalone cyber insurance for digital service providers and technology companies, covering losses arising from cyberattacks and technology resilience events.
• Tech360 (RC Pro + Cyber) Combined professional liability and cyber insurance product specifically designed for AI developers and users, covering algorithmic errors, data breaches, AI unavailability, and adversarial attacks with coverage up to €5 million.
• Sciences de la Vie Specialized life sciences insurance for Medtech, Biotech, and Pharma companies, covering R&D, clinical trials, market launch, and sensitive data protection.
• Multirisque Pro Commercial multi-risk insurance package covering business premises, technology, and work tools against everyday operational risks.
• Responsabilité des Dirigeants Directors and officers liability insurance protecting the personal assets of executives from claims and legal proceedings tied to their managerial decisions.
• Homme / Femme Clé Key person insurance that compensates the company for financial losses caused by the incapacity or death of an individual critical to operations.
• Frais de Santé & Prévoyance Employee health, welfare, and benefits insurance designed to protect staff and their families while simplifying HR administration.

Quantifiable outcome

• Over €3 billion in fundraising by client companies supported by Onlynnov insurance programs
• +2 more outcomes

Named customers15 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Alliant AmericacoreChannel Partner/ Reseller/ DistributorOnlynnov partners with Alliant America, a US-based insurance broker, to provide coverage certificates compliant with US regulations for French tech companies expanding into the American market. This partnership enables Onlynnov to support international development by leveraging Alliant America's local expertise and regulatory knowledge in the United States.
• Over 40 Insurer PartnerscoreOthersOnlynnov works with more than 40 insurer partners to place coverage for its tech clients. This network allows the broker to select the most suitable insurers based on client sector, risk profile, and coverage requirements, and to negotiate competitive terms on behalf of clients.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Embroker: US digital insurance broker specializing in commercial coverage for technology, life sciences, and venture-backed firms. Direct overlap with Onlynnov's tech and life-sciences vertical focus and digital distribution model.
• Unkle: French insurance broker for entrepreneurs, freelancers, and small businesses combining digital distribution with broker advisory. Comparable to Onlynnov in serving French SMBs with simplified digital-first insurance.
• Beazley: Specialist insurer with a leading cyber and professional liability franchise serving tech and life-sciences clients globally. Direct comparable in cyber and Medtech/biotech specialty lines.
• Vouch Insurance: US specialist insurer for high-growth and technology startups offering professional liability, cyber, and D&O with digital underwriting. Direct peer for the AI/startup tech insurance niche.
• Next Insurance: US-based digital-first insurance provider targeting small businesses and tech-adjacent professionals with online quoting and tailored professional liability products. Comparable as a digital-native specialty broker.
• Markel: Specialty insurer with deep expertise in professional liability, cyber, and technology E&O for niche and professional markets. Comparable product set to Onlynnov's cyber and professional liability offerings.
• Hiscox: Specialist insurer and broker focused on small businesses and professionals with strong cyber and professional liability offerings for tech and creative firms. Highly comparable to Onlynnov in product mix and SMB/tech target segment, with broader geographic reach.

Broad incumbents

• AXA France: Dominant French insurer and broker serving SMEs, professionals, and enterprises with broad commercial lines including cyber and D&O. Adjacent competitor that could expand its tech-specialty offering.
• Allianz France: Major French insurer with a wide commercial portfolio including professional liability, cyber, and D&O for SMEs and mid-market. Comparable end-customer overlap, broader and less specialized than Onlynnov.

Emerging players

• Coverdash: US digital insurance broker focused on startups and tech SMBs with simplified online binding. Similar digital-first tech SMB motion but earlier-stage and US-only.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/onlynnov
• YouTubeyoutube.com/@onlynnov
• Facebookfacebook.com/Onlynnov
• LinkedInlinkedin.com/company/onlynnov
• Instagraminstagram.com/onlynnov

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Onlynnov