INZMO

The company operates with a B2B2C (business-to-business-to-consumer) model, partnering with retailers, telecom operators, and other businesses to embed insurance products directly at the point of sale. This strategy allows INZMO to offer coverage for a range of items such as mobile phones, laptops, bicycles, and electric scooters, making the insurance process a seamless part of the customer's purchasing journey. For instance, when a customer buys a new bicycle, they can get it insured on the spot through an INZMO partner. Revenue is generated through the premiums collected on these insurance policies, shared with their underwriter partners like Helvetia and Baloise.

INZMO's platform digitizes the entire insurance lifecycle, from purchasing a policy to managing claims. This digital-first approach significantly reduces paperwork and processing times. A key feature is its claims management system, which aims to process claims much faster than traditional insurers, often within a short timeframe. The company's solutions have gained traction, particularly in Germany, Austria, and Switzerland, where it has focused its expansion efforts. INZMO has attracted investment from various sources, including a notable €3.1 million funding round in 2020 led by the Helvetia Venture Fund, underscoring the industry's confidence in its model.