# Alteos

> Embedded insurance via API \-\- tailor\-made digital insurance products for business partners

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Berlin, Germany |
| Founded | 2018 |
| Stage | Established |
| Employees | 51-200 |
| Funding | Acquired |

## Overview

Alteos is a Berlin-based embedded insurance platform for business partners seeking to add insurance products to their offerings. Operating as a wholly-owned subsidiary of AXA Konzern AG, the company provides cloud-based insurance technology that enables retailers, e-commerce operators, and service businesses across Europe to distribute tailored insurance products at the point of sale.

The platform is built on a low-code microservices architecture and exposes RESTful APIs and BiPro protocol support, enabling integration with e-commerce stores, inventory systems, and other partner applications. Products span personal lines including e-bike insurance, glasses protection, hearing aid coverage, household contents, liability, and accident insurance, as well as corporate bike leasing coverage. Partners can connect through direct APIs, manual imports, or pre-built e-commerce platform connectors.

Alteos was founded in 2018 as Cleritas GmbH and rebranded after full acquisition by AXA Konzern AG. The company operates from Berlin with a team of approximately 100 to 120 people. AXA serves as both the technology parent and the risk carrier for all products distributed through the platform.

## Products & services

### Embedded Insurance Platform

A cloud-based platform that enables business partners to integrate and distribute insurance products within their existing customer journeys, without building insurance infrastructure from scratch.

**Key features:**

- RESTful API integration for seamless embedding into partner systems
- Low\-code microservices with support for BiPro protocol, e\-commerce connectors, and inventory system integrations
- Multi\-channel delivery covering web, point\-of\-sale, and automated imports
- AXA\-backed risk carrier removes the need for partners to hold insurance licenses

*Target users:* Retailers, e\-commerce businesses, specialist trade companies, and service operators seeking to add insurance as a customer benefit or supplementary revenue stream

### Insurance Product Suite

A portfolio of ready-to-deploy personal lines products available for white-label distribution through the platform.

**Key features:**

- E\-Bike and bicycle insurance
- Hearing aid and glasses protection
- Household contents and liability insurance
- Accident insurance
- Corporate bike leasing coverage

*Target users:* B2B partners in retail, healthcare equipment, and mobility sectors

### Insurance Management Software

A complete back-office software suite supporting partner customer service teams.

**Key features:**

- Policy and claims administration components
- Customer service tooling for partner support staff
- Integration with the core API platform for real\-time data access

*Target users:* Partner businesses needing operational tooling to service their end customers

## Category & focus

- Subcategories: Embedded Insurance, API Platform, White\-Label Insurance
- Insurance verticals: P&C Personal, Specialty/E&S
- Target customers: Carriers, Agents/Agencies

## Notable customers

- Sushi Bikes
- Velo\-de\-Ville
- Schwind
- Amparex
- Veloport
- Rottler
- ioT Venture
- Akuwin
- Audimus
- Dein Jobbike
- Langer
- e\-Motion

## Links

- Website: <https://www.alteos.com>
- Directory profile: <https://insurtechlist.com/companies/alteos/>
- Careers: <https://www.alteos.com/unternehmen/karriere>
- Linkedin: <https://www.linkedin.com/company/alteostech>

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*Last updated: 2026\-07\-02*