We are ZERO!
An InsurTech with the aspiration to become Europe’s leading Insurance-as-a-Service provider. We are convinced that it is time to enter a new era of insurance distribution: Moving on from Embedded to Symbiotic Insurance.
“At ZERO, we have made a significant shift in our mindset when it comes to insurance, its distribution and purpose. We firmly believe that insurance should no longer be sold to consumers as a standalone product, but instead must become one with the business proposition. We see ourselves as an interface for integrated insurance solutions operating in the background. Our goal is to provide people with insurance possibilities in the most convenient way.”
YANNICK BULTINGAIRE
VP PRODUCT
Why ZERO?
Rigid or non-existent digital insurance products, an unwieldy set of application questions, complicated checkout processes with negative impact on conversion rates, ambiguities about customer relationships – the need to make Embedded Insurance better led the three-person founding team and their wide-ranging experience in the insurance and FinTech industries to come together in 2022.
This unique approach to merging insurance services with the risks to be covered is what led us to the name “ZERO”: because customers no longer need a separate insurance contract, therefore – ZERO_POLICY.
Meet Our Founders
Karl Grandl
CEO
Expert for insurance products & insurance distribution
As an InsurTech evangelist, he is constantly looking for the perfect solution to make insurers and customers happy.
Michaela Zöppel
COO
Expert for processes & workflows in the insurance sector
Solution-oriented and passionate enabler who always keeps the bigger picture in mind during implementation phases.
Stephan Harbauer
CTO & CPO
Expert for innovative technologies with a background in FinTech
Strategic thinker & coder with a distinctive “UX radar” and background in software development and agile product management.