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Smart InsurTech

Open B2B insurance platform connecting brokers, distributors, and insurers across the full advisory and administration value chain

Distribution & Sales Established Acquired
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Overview

Smart InsurTech AG is a B2B insurance distribution software platform for brokers, distributors, and insurers across the EMEA market, with a primary focus on Germany. The company develops and operates the SMART INSUR platform -- an open, independent technology system that digitizes and automates the insurance distribution process across data management, tariff comparison, policy administration, portfolio management, and document processing.

The SMART INSUR platform delivers a suite of integrated products via SaaS, connecting over 1,400 insurance brokers and distributors with more than 300 insurers through open APIs and BiPRO industry-standard data exchange. Core modules include Smart Admin (broker management software with AI-assisted automation), Smart Compare (a multi-line tariff comparison calculator covering approximately 80,000 tariffs), Smart Consult (structured concept consulting software), Smart Gevo (document management with AI automation), Smart Check (tariff evaluation based on consumer protection criteria), Smart Cloud (insurance-sector cloud hosting), and Your.Shur (a broker-to-client communication app).

Founded in 1998, Smart InsurTech operates as a wholly-owned subsidiary of Hypoport SE (SDAX-listed) within the Hypoport InsurTech AG holding structure, which covers nine companies across three insurance segments. As of October 2025, the SMART INSUR platform manages over EUR 5 billion in annual net premiums -- an 8.5% year-over-year increase. The company employs over 100 staff and serves approximately 50,000 platform users.

Products & Services

SMART INSUR Platform

The core integrated B2B platform connecting brokers, distribution networks, and insurers via standardized APIs and BiPRO data exchange. Supports the full insurance advisory and administration workflow from offer to policy management.

Key Features

  • Open API connecting 300+ insurers
  • BiPRO industry-standard data exchange compliance
  • Multi-insurer portfolio management and administration
  • Standardized digital workflows across the distribution chain

Target Users: Insurance brokers, distribution networks, assekuradeure, insurers

Smart Admin

AI-supported broker management software covering inventory management, billing, case processing, dark processing (automated workflows), integrated reporting, and centralized document management.

Key Features

  • BiPRO integration for automated data exchange
  • Dark processing for straight-through case handling
  • Centralized document management
  • Process-oriented billing and case tracking

Target Users: Brokers and growing brokerage offices

Smart Compare

Web-based independent tariff comparison calculator covering life, health, property, and auto insurance. Relaunched in May 2026 with a full-line calculator across all private insurance categories in a single workflow.

Key Features

  • Approximately 80,000 tariffs from 300+ connected insurers
  • Full-line multi-category comparison in a single session
  • Separated calculation and application steps to reduce data entry
  • Broad market coverage for independent broker use

Target Users: Insurance brokers requiring independent multi-carrier comparison

Smart Gevo

Digital document management solution with AI and automation capabilities for operational efficiency in broker and portfolio workflows.

Key Features

  • AI-assisted document classification and processing
  • Portfolio management automation
  • Integration with the SMART INSUR platform ecosystem

Target Users: Brokers and administrators managing high document volumes

Smart Consult

Cross-sector concept consulting software for insurance products. Enables structured, occasion-based and holistic consultations across all insurance lines with automated questioning and digitally documented recommendations.

Key Features

  • Multi-line structured consultation workflows
  • Automated questioning sequences
  • Digitally documented advisory recommendations

Target Users: Brokers conducting comprehensive insurance advisory sessions

Smart Check

Objective tariff evaluation tool based on consumer protection criteria. Analyzes existing insurance contracts and generates ratings, designed as a broker conversation entry point for contract reviews.

Key Features

  • Consumer-protection-criteria-based contract analysis
  • Rapid rating generation
  • Designed as a broker lead-in tool for contract reviews

Target Users: Brokers reviewing existing client contracts

Smart Cloud

Cloud hosting and IT outsourcing service providing secure infrastructure designed for the insurance sector.

Key Features

  • Insurance-sector-specific security and compliance
  • Managed IT infrastructure

Target Users: Brokers and insurance firms requiring compliant cloud hosting

Your.Shur

End-customer app providing a direct communication channel between brokers and their clients for policy information and service.

Key Features

  • Direct broker-to-client messaging
  • Policy information access for end customers

Target Users: Brokers offering digital client engagement

At a Glance

Founded
1998
Headquarters
Berlin, Germany
Employees
51-200
Funding
Acquired

Category & Focus

Category
Distribution & Sales
Subcategories
Core Administration Document Management Insurtech Infrastructure
Insurance Verticals
P&C Personal P&C Commercial Life & Annuity Health
Target Customers
Brokers, Carriers, MGAs/MGUs, Agents/Agencies

Customers

  • SDV Servicepartner der Versicherungsmakler AG
  • Assmann Versicherungsmakler GmbH
  • ASI Wirtschaftsberatung AG
  • DEUTUNA Finanzplanung GmbH
  • Versicherungskammer Bayern

Links

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Last updated: 2026-06-08