Consor
Consor AG is a Swiss software company that develops Consor Universal, an underwriting and policy administration platform for industrial and commercial insurance carriers in the DACH region, delivered as on-premise software or SaaS cloud service.
- Company typePrivate
- Founded1979
- HeadquartersZürich, Switzerland
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Consor does
Consor AG is a privately-held Swiss software company founded in 1979 and headquartered in Zürich that develops Consor Universal, an underwriting and policy administration platform purpose-built for industrial and commercial insurance carriers in the DACH region (Germany, Austria, Switzerland). The platform covers the full underwriting lifecycle — risk analysis, quote creation, policy issuance, and ongoing policy administration and changes — for complex composite lines including property, liability, technical, transportation, financial lines, municipal, cyber, legal expenses, and specialty insurance. Its core product differentiator is the Design Engine, which enables business analysts to model products, processes, and documents without programming, addressing the high individualization requirements of industrial insurance where standard software typically fails.
The platform is built on a Java-based, web-enabled modular microservices architecture designed for cloud deployment, supporting PostgreSQL, Oracle, DB/2, and SQL Server databases and running on Tomcat, JBoss, or Liberty application servers, with Kubernetes, OpenShift, and Docker compatibility, SSO, and a comprehensive API and interface layer. Data export is handled via Datamart 2.0 with native Apache Kafka support (released 2025). Operations are ISO 27001 certified with GDPR and DORA-aligned controls, and the software is delivered either on-premise or as Consor Universal Cloud Service — a SaaS offering on AWS with Swiss and German data residency.
Customers include AXA Germany, AXA Switzerland, AXA-ARAG, BarmeniaGothaer (Top 10 German insurer), Die Mobiliar, Helvetia Baloise, OCC Assekuradeur, Versicherungskammer Bayern, VGH/ÖSA/Öffentliche Versicherungen Oldenburg, and Zürich Versicherungen — many of which are multi-decade relationships indicating high switching costs. Revenue is generated through SaaS subscriptions and professional services (training and customizing, delivered directly and in cooperation with BearingPoint), with direct enterprise field sales as the primary go-to-market motion. The company is led by CEO Ruedi Wipf, who has run the business since 2015 following the founder's 36-year tenure; in February 2026 Consor acquired Cavnue, a smart road infrastructure software vendor, marking its first material move outside insurance into intelligent transportation.
Consor firmographics
Firmographics- Name
- Consor
- Legal name
- CONSOR AG
- Website
- https://consor.ch
- Company type
- Private
- Founded year
- 1979
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Consor AG is a Swiss software company that develops Consor Universal, an underwriting and policy administration platform for industrial and commercial insurance carriers in the DACH region, delivered as on-premise software or SaaS cloud service.
- Ownership category
- akta.pro rank
Where Consor is headquartered
LocationHeadquarters
- HQ city
- Zürich
- HQ country
- Switzerland
- HQ region
- Europe
Offices1 record
Markets served
Consor business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations, Supply Chain
Revenue model
- Software-as-a-Service (SaaS) Subscription: Consor Universal is offered as a SaaS solution where customers pay for usage with predictable, calculable costs. No upfront hardware investments required. Covers entire underwriting process including product lifecycle management, risk analysis, policy issuance, and policy changes.
- Professional Services: Customizing services where Consor experts support implementation and optionally take over customizing of insurance products. Training services for customers to customize products and processes themselves.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Consor Universal Cloud Service - SaaS model |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
Consor product offering
Product offeringCore offering
Consor develops and sells Consor Universal, a modular underwriting software platform for industrial and commercial insurance carriers. The platform covers the entire underwriting lifecycle—from risk analysis through product modelling, quoting, policy issuance and policy changes—and is offered as on-premise software or a SaaS Cloud Service on AWS. It is complemented by training services and customizing/implementation services, the latter in cooperation with BearingPoint.
Product overview
Consor offers Consor Universal, a comprehensive underwriting software platform for industrial and commercial insurance business. Founded in 1979, the company covers the entire insurance lifecycle from risk analysis to policy issuance and policy changes. The platform consists of the core Consor Universal product with modular components: the Design Engine (Product Modelling) enabling business analysts to model products without programming, the Underwriting Process module, and the Policy Administration module. Additional offerings include the Datamart 2.0 data export module with Kafka support, and the Cloud Service (SaaS deployment option). The company provides professional services including training courses for customizers and implementation/customizing services (in cooperation with BearingPoint).
Differentiator
Problem solved
Functional benefit
Products and services
- Consor Universal Java-based, modular underwriting software platform for industrial and commercial insurance carriers. Covers the full underwriting process from risk analysis, product modelling, quotation, policy issuance, and policy changes using a no-code Design Engine. Supports individual contracts, collective agreements, framework agreements, and international programs across multiple lines of business (property, liability, technical, transportation, financial lines, municipal, cyber, legal expenses, specialty). Available on-premise or as SaaS via the Cloud Service.
- Consor Universal Cloud Service Software-as-a-Service delivery of Consor Universal on AWS best-practice infrastructure. Consor handles full operation, support and regular updates; customers get predictable costs with no capital expenditure, maximum availability, and data storage in Switzerland for Swiss customers or in Germany for German customers. ISO 27001-certified operation aligned to GDPR, DORA, ISO 27017, SOC 2/SOC 3, PCI DSS, HIPAA, CSA Star and FedRAMP-compliant cloud providers.
- Consor Universal Customizing Services Professional services offering for Consor Universal in which Consor experts support implementation and optionally assume responsibility for customizing insurance products, processes and documents. Services are delivered directly by Consor and in cooperation with BearingPoint for enterprise insurance customers.
- Consor Universal Training Services Training courses that teach customers' customizers and business analysts how to use the Consor Universal Design Engine to independently define and maintain insurance products, processes, documents and logic without programming.
Quantifiable outcome
- BarmeniaGothaer achieved faster quotes through fully digital processes
- +1 more outcomes
Companies that use Consor
Customer profileNamed customers10 records
Segments3 records
Ideal customer profiles1 record
Consor technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability4 records
Feature6 records
Consor partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered minor and core.
- dieSozialfirmaminorSocial partnership with dieSozialfirma, an organization where people with and without disabilities work together providing high-quality services. Around half of employees live with mental, physical, or intellectual impairment. The partnership creates long-term jobs for people with disabilities and promotes social responsibility.
- SecfixminorSecfix supported Consor's ISO 27001 certification process. The startup aims to make certification processes lean and automated. Secfix defined the framework and project plan for certification, enabling Consor to complete certification within six months starting March 2023.
- CertivationminorCertification body that performed the effective ISO 27001 certification audit for Consor. Collaboration was described as constructive and efficient.
- BearingPointminorCustomizing services for Consor Universal offered in cooperation with BearingPoint. Experienced experts support implementation and optionally take over customizing of insurance products.
- Dr. Christopher LohmanncoreDr. Christopher Lohmann appointed as advisory board member for German insurance market. Former CEO of HDI Germany, previously Chairman of Management Board of Gothaer Allgemeine Versicherung AG. Over 24 years of experience in insurance industry. Founder and Managing Director of The Mulberry Ventures. Brings extensive expertise and market knowledge to help Consor stay close to industry needs and technological development.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Consor competitors and assessment
Company assessmentBroad incumbents
- Duck Creek Technologies: Global SaaS provider of P&C policy administration and underwriting software, directly competing for enterprise carrier core-system deals.
- Sapiens International: Global insurance software vendor offering policy, billing, and underwriting platforms across P&C and specialty lines, overlapping Consor's product scope at larger scale.
- EIS Group: Cloud-based insurance core platform vendor serving carriers across lines; a larger competitor offering overlapping policy/underwriting capabilities.
- Guidewire Software: Global market leader in P&C insurance core systems (policy, billing, claims); a much larger incumbent offering overlapping underwriting/policy capabilities to commercial insurers.
Emerging players
- Socotra: Cloud-native, configurable policy administration platform for insurers; comparable in its no-code/low-code product-configuration approach but more US/global focused and earlier stage.
- Send Technology: Provider of an underwriting workbench for commercial and specialty insurers, overlapping Consor's industrial/commercial underwriting focus.
- Novidea: Data-driven insurance management platform focused on brokers and commercial/specialty distribution; adjacent to Consor's commercial-insurance underwriting niche.
Regional players
- msg life / msg systems: German software house with dedicated insurance core and policy-administration products for DACH carriers, overlapping Consor's market and buyer base.
- adesso insurance solutions: German vendor of the in|sure policy/claims platform for insurers in the DACH region, competing for the same core-system modernization budgets.
- Adcubum: Swiss-based provider of the SYRIUS standard software for insurers; directly comparable as a DACH core insurance-software vendor serving property/casualty and health carriers.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Consor social profiles
Digital presenceConsor compliance and trust
Trust signalCompliance10 records
Consor financial estimates
Financial estimateRevenue estimate
Valuation estimate
Consor leadership team
Management profileNumber of profiles
Profiles5 records
Consor funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Consor M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Consor
What does Consor do?
Consor develops and sells Consor Universal, a modular underwriting software platform for industrial and commercial insurance carriers. The platform covers the entire underwriting lifecycle—from risk analysis through product modelling, quoting, policy issuance and policy changes—and is offered as on-premise software or a SaaS Cloud Service on AWS. It is complemented by training services and customizing/implementation services, the latter in cooperation with BearingPoint.
Is Consor a public or private company?
Consor is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Consor founded?
Consor was founded in 1979. It employs 1 to 10 people.
Where is Consor based?
Consor is headquartered in Zürich, Switzerland, in the Europe region.
How does Consor make money?
Two revenue lines are on record. Software-as-a-Service (SaaS) Subscription is the primary driver. The others are professional Services.
Who are Consor's main competitors?
Broad incumbents on record are Duck Creek Technologies, Sapiens International, EIS Group and Guidewire Software. Emerging players are Socotra, Send Technology and Novidea. Regional players are msg life / msg systems, adesso insurance solutions and Adcubum.
Does Consor have an API?
Yes. Consor Universal offers a comprehensive API and interface technology enabling integration into existing IT landscapes. The product supports PDF generation via interface for external systems to automatically access approved documents, and data export functionality through Datamart 2.0. Developer documentation is at consor.ch/en/product.