Top Insurtech Startups in 2026

Billions of people want to move countries, but when they do they are locked out or overcharged for the financial products most people take for granted. Since 2017 we've set out to change that. We've since insured over 1 million people, and are one of the fastest-growing companies in Europe doing over half a billion of annual revenue. And, we've only just got started - we have so many more products to build & customers to service. We believe to be continually successful we need to attract the best people. So far we have 600+ people across 3 countries, and we are always on the look-out for more brilliant people. People who are ambitious, smart, collaborative, and attracted to getting things done. Want to join us on our mission? Check out our live roles on Linkedin by clicking the jobs tab (see above ☝️) and on our careers page: marshmallow.com/jobs

We build AI exclusively for Finance purpose-built for CFOs, Chartered Accountants, CA Firms, CPAs, and finance teams that run businesses and safeguard capital. We do not build generic AI. Our focus is deep, domain-specific intelligence designed only for financial work.

Board packs for regulated insurance firms contain legally privileged advice and market-sensitive data. Current AI governance tools require uploading that to third-party clouds. Most regulated directors won't do it. We're building a board governance platform where sensitive data stays safe. Insurance-native regulatory content. Built for the compliance requirements that actually matter. The founding team has 27 years in insurance across four regulators (FCA, BaFin, MFSA, GFSC). We're not learning this from documentation. We built regulated entities and sat on these boards. We're solving the problem no one else is touching: the mid-market insurance board that's too regulated for generic tools and too specific for enterprise portals.

Protect+ is the post-purchase shield for modern commerce. We help brands and marketplaces offer shipping protection at checkout and resolve claims automatically, cutting support tickets, refund delays, and chargebacks while boosting conversion and trust. Protect+ plugs into e-commerce in minutes (Shopify and beyond), prices protection dynamically, and handles the heavy lift—verification, fraud controls, and instant outcomes—so your team can focus on growth, not grievances.

OraClaim is an early-stage AI startup building a transformational platform that offers a combination of tools and data analytics that optimizes how law firms and insurers defend and resolve liability claims. Fundamentally, OraClaim facilitates faster, fairer settlements and increases profitability. The insurance defense industry is being overwhelmed — nuclear verdicts are climbing, plaintiff firms are deploying AI, and defense attorneys are still doing things the way they've always done them. OraClaim is changing that. We give defense firms and carriers the AI advantage they need to fight back, work smarter, and win.