EIRS

EIRS (trading as Eir Insurance) is a fully licensed Swedish digital insurance carrier founded in 2019 that distributes non-life insurance products through a B2B2X white-label platform. The company operates across 10 European markets, including Sweden, Denmark, Norway, Finland, Germany, Greece, France, Italy, Spain, and the Netherlands, with cross-border licenses in 12 additional European countries. Eir serves approximately 60 distribution partners, including affinity groups, digital platforms, brokers, and fintech companies, who offer insurance under their own brands.

The company operates an API-first, cloud-native infrastructure that lets distribution partners embed insurance quoting, underwriting, and enrollment directly into their customer journeys. Eir handles all underlying carrier functions -- underwriting, regulatory compliance, and claims processing -- while partners retain their customer relationships and brand identity. The platform supports multiple personal and SME non-life lines, including motor, property, health, specialty weather insurance, and womens health insurance. A proprietary AI underwriting engine drives automated risk assessment, pricing, and fraud detection, and the claims workflow is fully automated with AI-assisted triage and settlement.

Eir achieved its first positive net result in June 2024, with gross written premiums exceeding SEK 1,000 million -- a 73% year-over-year increase. In October 2025, the company secured a EUR 20 million growth round led by Endeit Capital, bringing total funding to approximately USD 23.5 million.