# hepster

> Embedded insurance platform enabling businesses to integrate customized insurance products into their digital journeys via APIs\.

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Rostock, Germany |
| Founded | 2016 |
| Stage | Growth |
| Employees | 51-200 |
| Funding | Series B |

## Overview

Hepster (operating as MOINsure GmbH) is an embedded insurance platform that enables businesses to integrate customized insurance products into their digital customer journeys via APIs. Founded in 2016, the company serves e-commerce, mobility, travel, and other digital-first businesses across Germany, Austria, and France, helping them add insurance as a revenue stream while improving customer experience.

The platform provides REST APIs that allow partners to embed insurance directly into their checkout flows and digital ecosystems. Hepster handles underwriting, policy management, claims processing, and customer service, while partners focus on their core business. The company operates a dual model: B2B2C partnerships with embedded insurance on partner platforms, and a direct-to-consumer digital marketplace (MOINsure) offering insurance products without paperwork.

With over 2,500 B2B partners and 225,000+ insurance customers, Hepster has achieved 1,500% growth over three years. The company raised USD 10M in Series A (2021) and EUR 10M in Series B (2023), led by Element Ventures.

## Products & services

### Mobility Insurance

Comprehensive bicycle, e-bike, and commercial bicycle coverage including theft and damage protection, e-bike battery coverage, and breakdown services. Designed for mobility partners and retailers.

**Key features:**

- Flexible subscription options \(annual, month\-to\-month, seasonal\)
- 14\-day free cancellation
- Digital policy management and claims
- No paperwork

*Target users:* Mobility retailers, bike shops, e\-bike manufacturers, rental services

### Electronics Insurance

Coverage for mobile phones, tablets, laptops, cameras, smartwatches, and action cameras. Specialized offerings include student iPad insurance.

**Key features:**

- Protection against damage and theft
- Flexible coverage terms
- Digital claims submission
- Multi\-device management

*Target users:* Electronics retailers, online retailers, tech merchants

### Pet Insurance

Cat and dog health and surgical insurance with flexible subscription options.

**Key features:**

- Comprehensive health and surgical coverage
- Online policy management
- Digital claims reporting
- Flexible monthly or annual terms

*Target users:* Pet retailers, veterinary networks, pet service platforms

### Liability Insurance

Private liability, student liability, and family liability packages with flexible coverage terms.

**Key features:**

- Rapid online enrollment
- Flexible coverage periods
- Digital contract management
- No paperwork processing

*Target users:* Students, families, individuals, student loan platforms

### White\-Label Partner Platform

Full B2B partner ecosystem enabling businesses to embed Hepster insurance into their digital journeys via partner.hepster.com.

**Key features:**

- REST API for seamless integration
- White\-label customization
- Partner dashboard
- Real\-time policy and claims management
- Multi\-payment method support \(PayPal, Visa, Mastercard, SEPA, Klarna, Apple Pay, American Express\)

*Target users:* E\-commerce platforms, mobility marketplaces, travel platforms, digital\-first retailers

## Category & focus

- Subcategories: Embedded Insurance, API Platform, B2B Insurance Integration
- Insurance verticals: P&C Personal, Specialty/E&S
- Target customers: Carriers, Brokers, Businesses/Merchants

## Notable customers

- Greenstorm Mobility
- Rebike Mobility
- Baron Mobility
- citkar
- SUSHI

## Links

- Website: <https://hepster.com>
- Directory profile: <https://insurtechlist.com/companies/hepster/>
- Press: <https://partner.hepster.com/en-us/insights/press>
- Linkedin: <https://de.linkedin.com/company/hepster>
- Partner platform: <https://partner.hepster.com>

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*Last updated: 2026\-06\-14*