Europe’s Top Insurtech Startups of 2026

CB Insights has released its annual selection of the world’s 50 most promising private startups in insurtech. Among this year’s winners, ten firms are based in Europe, covering health and benefits, operational platforms, actuarial platforms, and more.

The 2026 Insurtech 50 winners, unveiled in September 2026, were selected in partnership with ITC Vegas using deal activity, industry partnerships, investor strength, hiring momentum, revenue, commercial traction, and CB Insights’ predictive success measure known as the Mosaic Score. Now in its fifth year, the list draws from thousands of applicants and nominees.

This year’s selection reflects the next generation of insurtech startups where leaders are increasingly specialists rather than generalists in their domains, and are leveraging cutting-edge technologies including artificial intelligence (AI), computer vision, and 3D reconstruction to address some of the industry’s biggest challenges.

These companies have raised a combined US$3 billion in equity funding, including about US$800 million in 2026 to date, employ over 5,400 people with a median headcount of 52 across the cohort, and have disclosed more than 70 partnerships since 2025. At the same time, 31 of the 50 are early-stage startups, including 14 at the seed stage. This reflects their scale and momentum, yet also their early phase.

Several trends are standing out in the 2026 Insurtech 50 cohort. First, AI is relevant for all of these winners, helping them build a clear advantage. Examples include Artificial Intelligence Underwriting Company, which develops a standard for AI agents and raised a US$40M Series A round in September 2026; Delos, an AI-driven property insurance company that uses geospatial modeling and satellite data to write home insurance policies in high-risk wildfire areas; and Waniwani, an infrastructure provider helping insurers maximize their revenue on AI channels while remaining compliant.

Another key trend this year is that most of the 2026 Insurtech 50 winners offer distinct and differentiated product offerings within the marketplace. For example, Clearspeed provides automated, voice-based risk assessment technology that detects fraud and clears low-risk claims or applications in seconds; Odin Space uses proprietary Nano Sensors to detect and verify untrackable, sub-centimeter orbital debris impacts; and Summit is a tech-enabled brokerage specifically for Canadian businesses.

Of the 2026 Insurtech 50 winners, the following nine are headquartered in Europe:

Akur8 (France)

Akur8, based in Paris, provides a global actuarial platform designed to deliver speed, performance, transparency and reliability for insurers across property and casualty (P&C), as well as life and annuity (L&A) markets.

The company serves over 350 customers across 40 countries, including AXA, Generali, Munich Re, TMNAS, FCCI, and Canopius, with more than 3,000 actuaries using Akur8 daily to build their pricing models and reserving projections across all lines of business.

Alan (France)

Alan is a digital health insurance company and health partner founded in 2016 in France. The company provides a healthcare platform that brings together insurance, care and prevention in a single, personalized experience. It offers health coverage for businesses, freelancers, and public-sector employees, automated claims, as well as access to virtual care and an AI-powered medical assistant.

Alan serves over 1.1 million members in France, Belgium, Spain, and Canada, and 37,000 businesses as well as self-employed professionals and retirees, and claims more than EUR 800 million (US$897 million) in annual recurring revenue (ARR). The startup raised EUR 480 million (US$550 million) in June 2026 at a EUR 5.5 billion (US$6.3 billion) valuation to scale its consumer offering, expand in large international markets, and accelerate its AI-led product development.

Artificial Labs (UK)

Artificial Labs is a London-based company founded in 2013 that provides digital broking and underwriting technology for the specialty and commercial insurance markets. The company focuses on connecting brokers and underwriters across complex transactions that still rely on fragmented systems, data and processes.

Artificial Labs raised a US$45 million Series B in February 2026 to accelerate global growth, including expanding its footprint into the US, growing its presence and consolidating its leadership position in London, as well as expanding across Europe, starting with Germany and Switzerland, with plans to extend into other major European markets, including the Netherlands and France.

Kota (Ireland)

Kota is an embedded insurance and employee benefits platform that automates health insurance, pensions, and perks by connecting HRIS and payroll data directly to insurance providers. The company, which is based in Dublin, powers benefits for over 100,000 employees across dozens of countries for some of the world’s fastest growing businesses, and provides benefits infrastructure for leading global HR platforms.

In addition to being named among this year’s top 50 insurtech startups in the world by CB Insights, Kota ranked 12th on the 2026 Sifted 250, which recognizes the 250 fastest-growing startups in Europe over their latest three financial years. Kota posted a two-year compound annual growth rate of its revenue of 640.35%.

Ominimo (Hungary)

Ominimo is a digital car insurance provider founded in 2024 and headquartered in Budapest, Hungary. The company uses AI and big data analytics to price and underwrite motor insurance with more precise risk assessment than traditional insurers, using technology to identify safer drivers who are overpaying for their insurance and offer them lower premiums. It serves nearly one million customers and claims an annual business volume exceeding US$350 million.

Since launching, Ominimo has expanded into four European Union (EU) markets, including Poland, the Netherlands, and Sweden, and plans to enter six more, as well as the US, over the next year. In July 2026, it raised a US$22.5 million Series B at a US$1.6 billion valuation to expand geographically, and accelerate regulatory readiness initiatives. It will also soon begin in Belgium and Romania before expanding into Spain, Italy, and France next.

Diesta (UK)

Diesta is a London-based startup building an agentic payment infrastructure for the insurance industry. The company connects banks, policy systems, and third-party data sources into one AI-powered operating layer for receivables, accounting and payables.

In August 2026, Diesta announced a partnership with Instanda to combine its intelligent, configurable policy administration capabilities with Diesta’s purpose-built payments infrastructure. The partnership enables insurance organizations launching and scaling products on Instanda to move from product launch to premium collection, across reconciliation and reporting with greater speed, transparency and control.

Tuio (Spain)

Tuio is a digital-first insurtech company founded in Spain in 2021 that provides app-managed home, car, and life insurance. It operates under a fully online model based on proprietary technology, automation, and AI applied to various processes in the insurance value chain, claiming more than 100,000 active customers.

In July 2026, Mapfre, a Spanish-owned insurance company, acquired 38.9% of Tuio’s capital through the direct purchase of shares and a capital increase. The partnership focuses on supporting Tuio’s expansion into new markets in Latin America and Europe.

Liablix (Italy)

Founded in 2025 and based in Bologna, Liablix is AI-driven software-as-a-service (SaaS) platform that helps insurance companies, claim adjusters, and industry professionals evaluate road accidents and determine their objectivity through automated processes.

Built on a scientific approach, the software combines physics, advanced 3D reconstruction, and computer vision to deliver objective and legally defensible analysis, reducing insurance fraud, ensuring transparency, and improving decision-making throughout the entire claims management process.

Vantel (Sweden)

Founded in 2024 and based in Stockholm, Vantel is an AI automation platform for commercial insurance brokerages serving mid-to-large corporates, with a focus on the placement process. Its first product analyzes complex insurance documents and helps brokers compare coverage, identify differences, and make more confident decisions.

Featured image: Edited by Fintech News Switzerland, based on image by Sodiq99art via Magnific

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