# Cloud Insurance

> End\-to\-end SaaS core system for carriers, MGAs, and brokers \-\- built for flexibility, deployed in days\.

## At a glance

| Field | Value |
| --- | --- |
| Category | Core Administration |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Oslo, Norway |
| Founded | 2012 |
| Stage | Established |
| Employees | 11-50 |
| Funding | Seed |

## Overview

Cloud Insurance is a core insurance system provider offering a full-stack SaaS platform for carriers, MGAs, brokers, and agents. Founded in Oslo in 2012, the company delivers distribution, policy administration, claims processing, and AI-powered document handling as an integrated suite or as modular components that slot into existing technology stacks.

The platform is built around a proprietary time-slicing policy architecture that supports dynamic premium models, subscription-based products, and mid-term coverage changes. AI machine reading automates document extraction from claims and policy files, reducing manual processing overhead. All services are delivered as cloud-hosted SaaS, removing the need for on-premises infrastructure.

Cloud Insurance operates in more than 20 countries across five continents. Clients include New Zealand Police Association, Kanguro, Nordic Benefits, and Compass Insurance. The company was founded by Havard Landro Nilsen and Axel Sjostedt and received seed funding of USD 112K in 2016 alongside support from Innovation Norway.

## Products & services

### Distribution

Customer acquisition and policy distribution module that enables clients to expand market reach and streamline onboarding workflows.

**Key features:**

- Multi\-channel distribution support
- Configurable customer journeys
- Integration\-ready for external portals and aggregators

*Target users:* MGAs, carriers, and brokers building digital sales channels

### Product Engine

Flexible product configuration and management system allowing insurers to define, price, and modify coverage products without custom development cycles.

**Key features:**

- No\-code or low\-code product configuration
- Support for complex rating structures
- Rapid time\-to\-market for new products

*Target users:* Product managers and actuarial teams at carriers and MGAs

### Policy Administration

Full policy lifecycle management from issuance through renewal and cancellation, with support for subscription models and fluctuating premiums.

**Key features:**

- Time\-slicing architecture for dynamic premium structures
- Subscription and mid\-term adjustment support
- Automated renewal and endorsement processing

*Target users:* Operations and underwriting teams

### Claims

Automated claims workflow platform covering FNOL through settlement, with case tracking and integration capabilities.

**Key features:**

- Configurable claims workflows
- AI\-driven decision support
- Case management and audit trail

*Target users:* Claims handlers at carriers and MGAs

### AI Machine Reading

Document processing module using AI to extract and categorize information from claim forms, policy documents, and supporting evidence.

**Key features:**

- Automated data extraction from uploaded documents
- Classification and routing of document types
- Reduces manual data entry in claims intake

*Target users:* Claims and operations teams processing high document volumes

## Category & focus

- Subcategories: Policy Administration, Claims Management, Distribution & Sales, AI Document Processing
- Insurance verticals: P&C Personal, P&C Commercial, Specialty/E&S, Group Benefits
- Target customers: Carriers, MGAs/MGUs, Brokers, Agents/Agencies

## Notable customers

- New Zealand Police Association \(NZPA\)
- Kanguro \(pet insurance\)
- Nordic Benefits
- Maiden Life & General
- Compass Insurance
- Advisa
- Komplett Group
- CIEE

## Links

- Website: <https://www.cloudinsurance.io>
- Directory profile: <https://insurtechlist.com/companies/cloud-insurance/>
- Blog: <https://www.cloudinsurance.io/blog>
- About: <https://www.cloudinsurance.io/about-us>
- Features: <https://www.cloudinsurance.io/features>
- Linkedin: <https://www.linkedin.com/company/cloudinsurance/>

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*Last updated: 2026\-05\-11*