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Senflua

Insurance. That's Part of It.

Distribution & Sales Startup Bootstrapped
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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

At a Glance

Founded
2021
Headquarters
Bucharest, Romania
Employees
1-10
Funding
Bootstrapped

Category & Focus

Category
Distribution & Sales
Subcategories
Embedded Insurance API Distribution Digital Insurance Integration
Insurance Verticals
P&C Personal Specialty/E&S
Target Customers
Brokers, Carriers, Consumers

Customers

  • AXA Partners -- travel insurance coverage provider (March 2025)
  • 24pay -- digital payment platform integrating travel insurance through Senflua

Links

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Last updated: 2026-06-22