September 25, 2025 marked the launch of the InsurTech Hub Munich's Venture Client Program 2025. The focus is on three topics that are crucial for the future of the insurance industry: Customer Interface, Data & AI and ESG with a focus on sustainability. The program brings together insurers, technology companies and start-ups to launch innovative solutions for the entire insurance ecosystem.
The response in the run-up to the event was impressive: over 150 start-ups from 31 countries and three continents applied to take part. The solutions submitted reflected the industry's most pressing innovation needs - from agentic AI and autonomous workflows to digital sales and service channels, predictive intelligence, ClimateTech and process automation. From this strong pool of applicants, the final cohort was selected and presented at the kick-off event.
Program kick-off with vision.
Miriam Hook, Managing Director of InsurTechHub Munich, opened the afternoon with a clear commitment to partnerships as the key to innovation. "We promote the growth of young technology companies by providing access to insurer networks and expanding industry expertise."
Esther Eva Prax, Director Strategy & Programs at ITHM and Estefanía Rodríguez Migliarini, Programs & Startup Relations Manager, gave an insight into the importance of the Venture Client Program and current scouting trends.
In his keynote speech, David Stachon (Canada Life Assurance Europe) then showed how crucial it is to consider all "tentacles" in large organizations - i.e. interfaces, stakeholders, processes and technical dependencies in equal measure. Together with Tamara Kurz (SureIn), he provided insights into successful collaborations between start-ups and corporates and explained how ambitious projects are supported by commitment on both sides.
Another impulse came from Manuel Alejandro Torrealba (NTT DATA), who emphasized that partnerships should simplify collaboration and enrich processes. In this context, it became clear that it is not just a question of deciding between internal development and external acquisition, but also of the right timing for the appropriate strategy in each case. According to Torrealba, it is crucial "to have a clear orchestrator who controls the process and integrates partnerships in a meaningful way."
Relevance of the focus topics
The selection of start-ups and the thematic focus of the program reflect the key transformation areas of the industry:
- Data & AI: Artificial intelligence and data-based business models are among the driving forces in the industry. The focus is on topics such as data strategy, infrastructure, governance and efficient AI use cases.
- ESG: Climate change obliges insurers to use precise risk modeling, preventive solutions and efficient sustainability reporting - not as a chore, but as a strategic opportunity.
- Customer interface: Customers expect seamless, personalized and digital interactions. In addition, regulatory requirements such as FIDA are increasingly coming to the fore. Insurers need to rethink omnichannel strategies, service automation and ecosystem partnerships.
With these three dimensions as guidelines, the program aims to promote solutions that are both sustainable and marketable.
The startups of the Venture Client Program 2025
Data & AI
Several start-ups in this year's cohort show how artificial intelligence can automate and improve work processes in insurance. 913.ai, for example, offers AI-supported claims automation that accelerates processes without additional IT integration. Durava has developed a platform that reduces internal audits from several weeks to just a few hours. Inca brings efficiency to claims processing with an agent-based AI platform, while Stitch Studio orchestrates insurance workflows through intelligent automation. Experial revolutionizes customer research by delivering valid insights in seconds with digital twins of target groups. This cluster is complemented by Pairity, which integrates scattered data into a complete customer profile, enabling precision in underwriting. Azoma positions companies in AI-driven search engine environments. NayaOne accelerates third-party integration through secure sandbox platforms, while Onesurance focuses on growth and customer retention through predictive intelligence. And SyncTechnologies uses digital twins for faster and more transparent claims processing.
ESG
In the area of sustainability, the focus is on solutions for climate risk assessment. 7Analytics provides high-resolution flood models that take risk assessment and prevention to a new level. Mitiga Solutions combines scientific climate models with AI and supercomputing to provide insurers with actionable insights for dealing with climate risks. These approaches show how sustainability can go from being a regulatory obligation to a source of new value creation.
Customer interface
The focus is also on the customer experience: go AVA develops hyper-realistic, multilingual avatars that enable new forms of digital advice and support. Xaver equips banks and insurance companies with AI sales assistants that accelerate advice and sales. And ValueChecker.ai optimizes claims processes through AI-based product evaluation.
Focus on promotion and network
The kick-off of the Venture Client Program 2025 marks an important milestone for the industry. The event impressively demonstrated how diverse the innovative power of this year's start-ups is - from automated workflows and sustainable climate risk intelligence to human-like customer avatars.
In the coming months, the selected ventures will work closely with insurers and technology partners to implement pilot projects and further develop their solutions. The three focus topics will serve as guidelines for a transformation that is equally relevant in economic, technological and social terms.
With the program, the InsurTech Hub Munich is creating a platform for innovative ideas and at the same time an ecosystem in which collaborations can find their way into practice.
