Alma Mundi Ventures

Founded in 2018, Hokodo is a European provider of B2B Buy Now, Pay Later solutions. It offers an easy-to-integrate digital platform that streamlines the order-to-cash process, enabling merchants to make real-time credit decisions, protect against bad debt, and access working capital finance options.

Ole Insurance Group focuses on offering protection and well-being products and services through technology. Ole Insurance Group was founded in 2021 and was headquartered in Puerto Rico.

Supercede is an independent reinsurance technology company focused on enhancing the traditional reinsurance value chain by providing a digital ecosystem for all stakeholders, including cedents, brokers, and reinsurers. The company has developed a powerful, data-centric trading platform that facilitates global reinsurance transactions. This platform features advanced analytics and an intuitive interface, allowing brokers to efficiently market risks to a worldwide audience of underwriters. Supercede promotes networking and collaboration through tools such as group chat, rapid file sharing, and integrated workflow management, all designed to optimize the reinsurance lifecycle. By streamlining processes from data capture to ongoing administration, Supercede aims to improve the efficiency and effectiveness of risk management in the reinsurance industry.

Urban Jungle, established in 2016 and headquartered in London, specializes in providing insurance solutions tailored for urban renters and sharers. Its innovative platform offers a comprehensive home insurance policy that covers deposits, shared possessions, and emergency expenses, with features allowing housemates to split bills and update names as needed. This tech-driven approach aims to make home insurance more accessible and affordable for young professionals.

ELEMENT Insurance AG is a digital insurance provider based in Berlin, Germany, founded in March 2017. The company specializes in creating white-label insurance products and is recognized as a leader in insurance digitalization. Licensed by the German Federal Financial Supervisory Authority, ELEMENT operates as a direct insurer for non-life insurance across 28 European countries, allowing it to manage risks and settle claims directly. ELEMENT's innovative technology platform, referred to as 'Insurance as a Platform,' supports a B2B2X model, enabling various partners—from e-commerce businesses to traditional insurers—to develop and market customized insurance solutions under their own brands. The platform streamlines the insurance value chain, addressing key functions such as actuarial calculations, underwriting, policy administration, customer service, and claims management, thereby enhancing efficiency and reducing complications within the industry.

Ole Insurance Group focuses on offering protection and well-being products and services through technology. Ole Insurance Group was founded in 2021 and was headquartered in Puerto Rico.

Kinsu is an insurance agency that aims to simplify the process of purchasing insurance and increase financial inclusion. By offering a range of products including car, medical, home, life, and retirement insurance, Kinsu addresses the protection gap and strives to reduce acquisition costs for its clients. The company focuses on providing clear explanations of insurance options, thereby enabling clients to navigate the complexities of insurance purchasing more easily. Through its innovative distribution model, Kinsu seeks to save clients time and money while removing the obstacles typically associated with acquiring insurance coverage.

ELEMENT Insurance AG is a digital insurance provider based in Berlin, Germany, founded in March 2017. The company specializes in creating white-label insurance products and is recognized as a leader in insurance digitalization. Licensed by the German Federal Financial Supervisory Authority, ELEMENT operates as a direct insurer for non-life insurance across 28 European countries, allowing it to manage risks and settle claims directly. ELEMENT's innovative technology platform, referred to as 'Insurance as a Platform,' supports a B2B2X model, enabling various partners—from e-commerce businesses to traditional insurers—to develop and market customized insurance solutions under their own brands. The platform streamlines the insurance value chain, addressing key functions such as actuarial calculations, underwriting, policy administration, customer service, and claims management, thereby enhancing efficiency and reducing complications within the industry.

Founded in 2018, Hokodo is a European provider of B2B Buy Now, Pay Later solutions. It offers an easy-to-integrate digital platform that streamlines the order-to-cash process, enabling merchants to make real-time credit decisions, protect against bad debt, and access working capital finance options.

Founded in 2013, Artificial Labs develops software solutions for the insurance industry. Its platform enables commercial insurers to capture data accurately at the point of entry, write risks algorithmically, build contracts, and integrate with other systems. The company offers products such as Artificial Build, Artificial Distribute, Artificial Price, and Artificial Manage, along with IT consulting services.

AKKO offers a protection plan for phones, laptops, electronics, and other vital personal items. It offers simple, all-inclusive protection that is trustworthy and reasonably priced. The company offers modern, simple, and affordable device protection options, including phone-only plans for all consumer devices, providing customers, users, or employees with protection benefits.

SafetyWing is a startup based in Palo Alto, California, founded in 2017 by Sondre Rasch, Sarah Beyahte Sandnes, and Hans Nyvold Kjellby. The company specializes in providing travel medical insurance solutions tailored for remote workers and digital nomads. Its flagship product, Remote Health, offers personalized insurance coverage for individuals outside their home country, addressing the unique lifestyle disruption needs faced by those in the gig economy. SafetyWing's services include emergency medical treatment, coverage for lost luggage, and travel delays, enabling online freelancers and entrepreneurs to secure cost-effective insurance in real-time. By catering to the specific requirements of individuals with transferable jobs and variable incomes, SafetyWing empowers them to travel with greater freedom and peace of mind.

Betterfly is a purpose-driven wellbeing and insurance platform founded in 2018 and based in Santiago, Chile. The company aims to enhance the health and wellbeing of organizations and their employees while fostering positive community impact. Betterfly's innovative platform rewards individuals for adopting healthy habits by providing life insurance coverage that increases daily. Additionally, every healthy activity is converted into a charitable donation, enabling businesses to integrate corporate wellness and social responsibility into their employee benefits programs. This unique approach not only promotes individual health but also encourages corporate engagement in community support.

Descartes Underwriting is a Paris-based managing general agency delivering parametric and data-driven insurance solutions for climate and other modern risks. It underwrites policies on behalf of select first-tier insurers, reinsurers, and insurance-linked securities funds, and collaborates with brokers to protect corporate and government clients globally. The company serves sectors ranging from agriculture and aquaculture, mining, construction, and traditional and renewable energy to cement, banking, entertainment, and retail. It designs B2B2C platforms, including pricing engines, back-end systems, and APIs, and offers claims management services. Its risk coverage is supported by top-tier carriers and a full-stack insurer licensed in the European Economic Area, enabling access to technology-enabled insurance solutions across regions. Founded in 2018, Descartes is headquartered in Paris with a global footprint.

Unkle is an Insurtech startup based in Paris, France, focused on simplifying the rental process for both tenants and landlords. The company offers four primary insurance products: a renter guarantee, which allows Unkle to act as a guarantor for tenants for a fee; a landlord guarantee, which protects property owners against unpaid rent; home insurance; and owner insurance. By providing these services, Unkle aims to enhance rental applications and reduce the risks associated with renting, making it easier for tenants to find housing while offering landlords financial security.

Kinsu is an insurance agency that aims to simplify the process of purchasing insurance and increase financial inclusion. By offering a range of products including car, medical, home, life, and retirement insurance, Kinsu addresses the protection gap and strives to reduce acquisition costs for its clients. The company focuses on providing clear explanations of insurance options, thereby enabling clients to navigate the complexities of insurance purchasing more easily. Through its innovative distribution model, Kinsu seeks to save clients time and money while removing the obstacles typically associated with acquiring insurance coverage.

Agentero is a technology platform and digital insurance network that connects independent insurance agents with carriers and clients to manage policies, quote and bind coverage, and cross-sell or upsell additional policies. The platform provides policy management tools and client interaction features to streamline workflows, improve quoting accuracy, and enhance the customer experience. It helps agents grow their business by delivering access to modern carriers, identifying client needs, and offering the right coverage at the right time. The platform acts as an agency growth engine, supporting time savings and better product distribution through integrated policy management, quotes, and collaboration with carrier partners. Founded in 2017 and headquartered in Oakland, California, with additional offices in Nashville and Madrid, Agentero serves independent agents seeking a digitally enabled insurance ecosystem.

Asistensi is a Madrid-based insurtech company established in 2019 that offers health plans and medical services through a digital-first platform. It enables migrants living abroad to secure emergency and routine healthcare coverage for their families in home countries via digital onboarding, expanding access to care across borders. The company is governed by a board of directors.

ELEMENT Insurance AG is a digital insurance provider based in Berlin, Germany, founded in March 2017. The company specializes in creating white-label insurance products and is recognized as a leader in insurance digitalization. Licensed by the German Federal Financial Supervisory Authority, ELEMENT operates as a direct insurer for non-life insurance across 28 European countries, allowing it to manage risks and settle claims directly. ELEMENT's innovative technology platform, referred to as 'Insurance as a Platform,' supports a B2B2X model, enabling various partners—from e-commerce businesses to traditional insurers—to develop and market customized insurance solutions under their own brands. The platform streamlines the insurance value chain, addressing key functions such as actuarial calculations, underwriting, policy administration, customer service, and claims management, thereby enhancing efficiency and reducing complications within the industry.

Urban Jungle, established in 2016 and headquartered in London, specializes in providing insurance solutions tailored for urban renters and sharers. Its innovative platform offers a comprehensive home insurance policy that covers deposits, shared possessions, and emergency expenses, with features allowing housemates to split bills and update names as needed. This tech-driven approach aims to make home insurance more accessible and affordable for young professionals.

Asistensi is a Madrid-based insurtech company established in 2019 that offers health plans and medical services through a digital-first platform. It enables migrants living abroad to secure emergency and routine healthcare coverage for their families in home countries via digital onboarding, expanding access to care across borders. The company is governed by a board of directors.

Omocom AB is a Stockholm-based company specializing in the provision of micro-insurance products tailored for the sharing and renting economy. Founded in 2017 and originally named Sharin AB, the company rebranded in September 2019 to reflect its focus on creating innovative insurance solutions. Omocom offers a platform that simplifies and automates the insurance process for both short-term and long-term coverage, making it easier for users to access safe and secure insurance as part of their digital transactions. Its services are designed to integrate seamlessly with various online platforms, allowing clients to enhance resource utilization while promoting sustainability.

Agentero is a technology platform and digital insurance network that connects independent insurance agents with carriers and clients to manage policies, quote and bind coverage, and cross-sell or upsell additional policies. The platform provides policy management tools and client interaction features to streamline workflows, improve quoting accuracy, and enhance the customer experience. It helps agents grow their business by delivering access to modern carriers, identifying client needs, and offering the right coverage at the right time. The platform acts as an agency growth engine, supporting time savings and better product distribution through integrated policy management, quotes, and collaboration with carrier partners. Founded in 2017 and headquartered in Oakland, California, with additional offices in Nashville and Madrid, Agentero serves independent agents seeking a digitally enabled insurance ecosystem.

Founded in 2016, Kovrr is a London-based company that provides a predictive cyber risk modeling platform. This platform analyzes, trains, models, and predicts cyber risk for property and casualty insurers and reinsurers, offering real-time data-driven insights into their affirmative and non-affirmative single, accumulated, and catastrophic cyber risk exposures.

Fixico operates a digital platform that handles car damage repairs for drivers, insurers and fleet owners. The marketplace provides visibility into repair costs and connects users to an affiliate network of repair services, enabling them to obtain, compare and select competitive repair offers. Active in the Netherlands, Belgium and Germany, Fixico works with about 2,000 repair shops and has processed more than 200,000 damages to date. The service aims to streamline the damage repair process, shorten cycle times and improve customer satisfaction across consumer and business segments.

Insurdata Corporation, established in 2017 and headquartered in Broomfield, Colorado, specializes in providing property-specific data solutions for insurance and reinsurance underwriters. The company offers high-resolution, peril-specific exposures and building-level risk data, supporting clients' pricing, underwriting, and portfolio management decisions. Insurdata's platform employs advanced technologies such as mobile augmented reality and 3-D model creation to deliver both desktop and mobile products, enabling real-time risk assessment and informed decision-making.

Founded in 2013, Artificial Labs develops software solutions for the insurance industry. Its platform enables commercial insurers to capture data accurately at the point of entry, write risks algorithmically, build contracts, and integrate with other systems. The company offers products such as Artificial Build, Artificial Distribute, Artificial Price, and Artificial Manage, along with IT consulting services.

ELEMENT Insurance AG is a digital insurance provider based in Berlin, Germany, founded in March 2017. The company specializes in creating white-label insurance products and is recognized as a leader in insurance digitalization. Licensed by the German Federal Financial Supervisory Authority, ELEMENT operates as a direct insurer for non-life insurance across 28 European countries, allowing it to manage risks and settle claims directly. ELEMENT's innovative technology platform, referred to as 'Insurance as a Platform,' supports a B2B2X model, enabling various partners—from e-commerce businesses to traditional insurers—to develop and market customized insurance solutions under their own brands. The platform streamlines the insurance value chain, addressing key functions such as actuarial calculations, underwriting, policy administration, customer service, and claims management, thereby enhancing efficiency and reducing complications within the industry.

Kinsu is an insurance agency that aims to simplify the process of purchasing insurance and increase financial inclusion. By offering a range of products including car, medical, home, life, and retirement insurance, Kinsu addresses the protection gap and strives to reduce acquisition costs for its clients. The company focuses on providing clear explanations of insurance options, thereby enabling clients to navigate the complexities of insurance purchasing more easily. Through its innovative distribution model, Kinsu seeks to save clients time and money while removing the obstacles typically associated with acquiring insurance coverage.