# Senflua > Insurance\. That's Part of It\. ## At a glance | Field | Value | | --- | --- | | Category | Distribution & Sales | | Type | Solutions Provider | | Region | EMEA | | Headquarters | Bucharest, Romania | | Founded | 2021 | | Stage | Startup | | Employees | 1-10 | | Funding | Bootstrapped | ## Overview Senflua is an embedded insurance platform for digital platforms, marketplaces, and payment service providers across Europe. The company enables non-insurance businesses to integrate insurance products directly into their customer-facing digital journeys, operating on a commission-based model that allows partners to offer coverage without becoming licensed insurers. The platform is built on an API-first architecture, allowing integration with existing digital ecosystems, payment applications, and service platforms. Senflua holds an insurance broker license issued by the Romanian Financial Supervisory Authority (RAJ 537472) and offers a range of insurance categories including travel, home and goods, events cancellation, micro-mobility, accidents, and smart devices. Senflua operates as a bootstrapped startup with a lean team based in Bucharest. In March 2025, the company facilitated a partnership between AXA Partners and 24pay, enabling users of the 24pay payment application to purchase travel insurance seamlessly through the Senflua platform. ## Products & services ### Travel Insurance Travel insurance policies distributed through the platform covering flight delays, cancellations, baggage loss, and medical expenses across Europe. **Key features:** - European territory coverage - Inclusive age categories \(seniors, pregnant women\) - Seamless integration into payment applications and digital platforms *Target users:* Digital platforms, payment apps, travel services ### Home & Goods Insurance Residential and goods protection policies integrated into partner platforms, enabling digital service providers to offer home and property insurance to their users. **Key features:** - Home and property coverage - Distributed through embedded partner channels - Commission\-based model for partners *Target users:* Digital platforms, fintech apps, marketplaces ### Events Cancellation Insurance Coverage for event cancellations, protecting customers against financial loss from cancelled events. **Key features:** - Financial protection for event cancellations - Available through partner distribution channels *Target users:* Event platforms, digital service providers ### Micro Mobility Insurance Insurance for micro-mobility vehicles and services, addressing coverage needs for emerging urban transportation categories. **Key features:** - Coverage for micro\-mobility assets - Targeted at urban mobility platforms *Target users:* Micro\-mobility platforms and operators ### Accidents Coverage Personal accident and liability coverage integrated into partner customer journeys. **Key features:** - Personal accident protection - Embedded in partner digital experiences *Target users:* Digital platforms, consumer apps ### Smart Devices Insurance Protection for smart home devices and consumer electronics, offered through partner integrations. **Key features:** - Consumer electronics and smart device coverage - Embedded distribution model *Target users:* Electronics retailers, smart home platforms ## Category & focus - Subcategories: Embedded Insurance, API Distribution, Digital Insurance Integration - Insurance verticals: P&C Personal, Specialty/E&S - Target customers: Brokers, Carriers, Consumers ## Notable customers - AXA Partners \-\- travel insurance coverage provider \(March 2025\) - 24pay \-\- digital payment platform integrating travel insurance through Senflua ## Links - Website: - Directory profile: - Partners: --- *Last updated: 2026\-06\-22*