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 Invisible Insurance. 


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


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


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


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.

Let’s talk together about your solution

We would be happy to advise you.