Alteos
Embedded insurance via API -- tailor-made digital insurance products for business partners
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
At a Glance
- Founded
- 2018
- Headquarters
- Berlin, Germany
- Employees
- 51-200
- Funding
- Acquired
Category & Focus
- Category
- Distribution & Sales
- Subcategories
- Embedded Insurance API Platform White-Label Insurance
- Insurance Verticals
- P&C Personal Specialty/E&S
- Target Customers
- Carriers, Agents/Agencies
Customers
- Sushi Bikes
- Velo-de-Ville
- Schwind
- Amparex
- Veloport
- Rottler
- ioT Venture
- Akuwin
- Audimus
- Dein Jobbike
- Langer
- e-Motion
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Last updated: 2026-07-02