# Indie Seguros

> API\-first embedded insurance for platforms and marketplaces

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Lisbon, Portugal |
| Founded | 2021 |
| Stage | Startup |
| Employees | 1-10 |
| Funding | Bootstrapped |

## Overview

Indie Seguros is an embedded insurance platform for digital platforms and marketplaces, covering gig-economy workers and independent service providers in Portugal and Spain. The company started in 2021 as a digital insurance broker for freelancers and small businesses in Portugal, sourcing workers' compensation, multi-risk, professional liability, life, and health policies from multiple carriers, then built an API layer on top of that brokerage foundation to embed coverage directly into partner products.

The core offering, Insurance OS, is an API-first platform that lets platform businesses activate real-time, per-transaction coverage -- including professional liability and accident insurance -- for every task, shift, or transaction a service provider completes. Coverage is scoped to the moment it is needed rather than sold as a standalone policy, and partners pay only for the insurance used.

Indie expanded from Portugal into Spain in November 2025 through a partnership with insurer Hiscox, starting with the domestic-services platform Oscar, an existing Portuguese customer already operating in 20 Spanish cities. The company has been funded through a non-equity assistance grant from the Startup Lisboa Rocket Program (closed January 2023) rather than equity investment, and its CEO has stated plans to significantly grow the team and revenue over the following 18 months alongside further European expansion.

## Products & services

### Insurance OS \(embedded insurance API\)

A real-time, API-first platform that lets platform and marketplace businesses embed customizable insurance coverage directly into their product. Coverage activates per transaction, task, or shift, so users are covered only for the moments that matter and platforms pay only for insurance actually used.

**Key features:**

- Real\-time, per\-transaction coverage activation
- API integration into partner platforms and marketplaces
- Usage\-based pricing tied to activated coverage

*Target users:* Gig\-economy platforms, marketplaces, and on\-demand service apps

### Professional Liability Cover

Coverage for service providers on a partner platform, protecting customers' assets each time a transaction occurs through the platform.

*Target users:* Platform\-based service providers and their end customers

### Accident Insurance

Coverage for individuals performing tasks or services through a partner platform, tailored per interaction, such as gig workers, delivery riders, and on-demand service providers.

*Target users:* Gig workers and on\-demand service providers

### Legacy brokerage lines \(Portugal\)

Indie's original digital-broker offering, aggregating policies from multiple carriers for freelancers and small businesses, covering workers' compensation, multi-risk, professional liability, life, health, and car insurance.

*Target users:* Freelancers, independent professionals, and micro/small businesses in Portugal

## Category & focus

- Subcategories: Embedded Insurance, API\-First Distribution Platform
- Insurance verticals: P&C Commercial, Workers Compensation, Specialty/E&S
- Target customers: Brokers, Consumers

## Notable customers

- My Care Force
- Oscar
- 360 Hyper

## Links

- Website: <https://indie.pt>
- Directory profile: <https://insurtechlist.com/companies/indie-seguros/>
- Linkedin: <https://www.linkedin.com/company/indieseguros/>

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*Last updated: 2026\-08\-05*