Mailo
Der digitale Assekuradeur -- modern and flexible commercial insurance for self-employed and small businesses
Overview
Mailo is a P&C commercial MGA operating as a digital Assekuradeur in Germany, targeting freelancers, self-employed professionals, and small businesses across more than 700 business types. Founded in 2017 by Dr. Matthias Uebing and Sten Nahrgang in Cologne, the company combines insurance and IT expertise to provide modular commercial and private coverage with digital-first workflows.
Originally structured as a licensed insurance carrier (Mailo Versicherung AG), Mailo transferred its insurance portfolio to ELEMENT Insurance AG in 2022 and repositioned as an MGA/intermediary. Following ELEMENT's entry into insolvency proceedings in March 2025, Mailo had proactively shifted new business to alternative risk carriers as of April 2024, maintaining operational continuity.
The platform supports contract conclusion in under ten minutes and portfolio underwriting within two weeks. Mailo serves the German market with commercial property, liability, and private coverage, operating under a BiPRO-compliant infrastructure for digital portfolio integrations.
Products & Services
Commercial Insurance
Modular P&C coverage designed for self-employed professionals, service providers, and small businesses. Products span liability and property risks across more than 700 distinct business types.
Key Features
- General and professional liability for diverse commercial activities
- Commercial property coverage for offices, practices, and warehouses
- Business-specific risk tailoring across 700+ business types
Target Users: Freelancers, self-employed professionals, SMEs in Germany
Distribution: Direct digital platform
Building Insurance
Coverage for fire, water damage, storms, and related perils affecting commercial properties and facilities.
Key Features
- Fire and extended perils
- Water damage
- Storm and elemental damage
Target Users: Commercial property owners and tenants in Germany
Distribution: Direct digital platform
Private Insurance
Personal insurance products for individuals, including home, household contents, and personal liability.
Key Features
- Personal liability
- Household contents
- Single-family home coverage
Target Users: Individuals and households in Germany
Distribution: Direct digital platform
Portfolio Transfer Services
Digital portfolio acquisition and transfer capability with automated data preparation, system integration, and underwriting for inbound portfolios from other providers. Target underwriting timeframe under two weeks.
Target Users: Insurance carriers and intermediaries seeking portfolio transfers
Distribution: B2B direct