Onesurance
Onesurance is an AI growth engine for insurance brokers and MGAs. It reads client, policy and claims data from any existing back-office system and turns it into daily prioritised action lists covering retention, cross-sell and duty of care.
What is Onesurance?
Onesurance is a Dutch software platform that sits on top of an insurance intermediary's existing systems and turns the portfolio it already holds into a daily list of things worth doing. The vendor calls it an AI growth engine, and it is built for one audience only: brokers, intermediaries and MGAs, not carriers. The company is explicit about that boundary, positioning itself against Zelros, Earnix and Akur8 on the grounds that all three serve insurers.
The platform reads client, policy and claims data from the agency management system already in place - ANVA, CCS, MSS and MSB, Acturis or DIAS are named, with other systems handled on request - and runs what the site describes as more than sixty AI models per client per day. No migration is required and the existing system stays the source of truth.
Six modules carry the output. Top Defend ranks clients by the combination of lapse probability and commission value. Top Sales signals cross-sell and up-sell opportunities. Top Acquire identifies profitable new commercial relationships in the region. Top Risk analyses risk and possible policy extensions. Top Care surfaces duty-of-care exposure before the regulator does. Top Fit calculates net client value.
Two interfaces consume that work. A management cockpit reports retention, sales and client value per branch, expressed in commission and EBITDA. An adviser portal delivers the ranked morning list with conversation preparation. Four AI agents then execute: a mail agent, a chat agent, a bulk campaign agent and a research agent, each configurable to send automatically or wait for approval.
Onesurance B.V. was registered in Breda in September 2022, is backed by a seed round led by CuriosityVC, and reports around 6 million end clients under management, more than a thousand advisers using the product daily and activity in seven European countries. Everything runs on Microsoft Azure West Europe with full EU data residency.
What it does
- Predict which clients are about to lapse, ranked by the commission value at risk
- Flag the clients most likely to buy an additional policy for cross-sell and up-sell
- Produce a prioritised morning call list per adviser, with conversation preparation attached
- Monitor and mitigate duty-of-care exposure proactively, ahead of the regulator
- Show retention, sales and client value per branch in commission and EBITDA terms
- Calculate net client value per relationship so adviser time goes where it pays
- Let AI agents draft, send or queue the follow-up by email, chat or bulk campaign
When to use Onesurance / When not to
A quick filter to help you decide if Onesurance is the right fit.
When to use Onesurance
- Insurance brokerages and MGAs managing an active book of 10,000 relationships or more
- Broker leadership teams that want portfolio steering expressed in commission and EBITDA rather than gut feeling
- Commercial teams of ten or more advisers who need a ranked call list every morning instead of searching the whole book
- Marketing and CRM teams running retention and cross-sell campaigns segmented on real portfolio data
- Private equity owners of brokerage platforms looking for objective due diligence and post-acquisition value creation
When not to use Onesurance
- Insurance carriers: the vendor states plainly that Zelros, Earnix and Akur8 serve insurers and that Onesurance does not
- Anyone looking for premium pricing or rate modelling, which the platform explicitly does not do
- Small agencies below the published entry tier of 10,000 client relationships
- Buyers who want to self-serve: there is no free plan, no free trial and no sign-up, only a booked demo
- Developers hoping to build on a documented public API, since no API reference is published anywhere on the site
How to use Onesurance
A typical end-to-end flow, from setup to results.
- Book the thirty-minute demo, which the vendor runs on a sample of your own portfolio data
- Phase one: Onesurance analyses your book data and builds a concrete business case without loading your IT team
- Choose a connection method: direct database link, REST API with OAuth 2.0 authentication, or SFTP file exchange
- Supply the three data sets most implementations need - client, policy and claims records
- Let the automated DBT quality checks validate the data before any model runs
- Phase two: receive the strategy and the interactive management dashboard, then decide whether to continue
- Phase three: run the pilot with a small group of advisers, measure the impact and tune the models
- Phase four: roll out to the whole organisation, with the vendor handling configuration and onboarding
- Work the ranked list each morning in the adviser portal, or in the insurer extranet or CRM where insights are pushed
- Configure each AI agent channel by channel to send autonomously or to request approval first
Pros & Cons
Pros
- Public, bounded pricing with a hard ceiling of EUR 10,000 per month up to 300,000 relationships
- System-agnostic by design: no data migration and no replacement of the existing back office
- Full EU data residency on Azure West Europe, with no transfers outside the European Union
- Sub-processors published in full, with thirty days' notice and a client right to object
- Named data protection officer and a processing agreement offered to every client
- Quantified service levels published in the contractual service conditions, not just marketing claims
- Phased onboarding with genuine exit points after phases two and three
Cons
- Entry tier starts at 10,000 client relationships, which puts it out of reach of smaller agencies
- No public API documentation: every API path on the site returns a genuine 404 and no docs subdomain exists
- ISO 27001 is not held - the management system is running but certification is only targeted for Q4 2026
- No free plan and no free trial: the evaluation phase is billed as a fixed monthly fee
- Published prices are labelled indicative and depend on portfolio size, with no VAT treatment stated
- The terms allow anonymised benchmarking while the homepage FAQ says data is used only for your own book
- Customer results are attributed to an unnamed top-ten intermediary and cannot be verified independently
Pricing & Plans
There is no permanently free plan and no free trial: the phased onboarding is billed as a fixed monthly fee from the outset. The lowest published entry point is EUR 900 per month, for a portfolio of 10,000 to 40,000 client relationships. All four published tiers include the five core modules, the management cockpit and the adviser portal. The vendor labels these amounts as indicative and dependent on portfolio size, and states in its FAQ that the underlying model is a fixed price per client per year that falls as the book grows. No VAT treatment is specified on the pricing page. Paid onboarding and training modules are mentioned separately in the terms.
- 10
- 000 to 40
- 000 clients - from EUR 900 per month
- 40
- 000 to 100
- 000 clients - from EUR 2
- 000 per month
- 100
- 000 to 300
- 000 clients - from EUR 5
- 000 per month
- capped at EUR 10
- 000 per month
- 300
- 000+ clients - custom pricing
- adds dedicated onboarding and support
Data, GDPR & hosting
A consolidated view of how Onesurance handles your data.
GDPR overview
GDPR implementation is documented in unusual detail. Onesurance describes itself as a processor under article 28, with a data processing agreement concluded with every client and standard contractual clauses added where needed. A data protection officer is named, Menno Kooistra, reachable at dpo@onesurance.ai. The trust centre claims full compliance since inception, records of processing kept up to date, data protection impact assessments for high-risk processing, privacy by design and by default, SHA-256 pseudonymisation, AES-256 encryption at rest and TLS 1.3 in transit. All six data subject rights are listed with their articles and a thirty-day response commitment. Personal data stays inside the European Union with no third-country transfers. Two caveats: the website privacy statement is still labelled version 0.01 dated 7 April 2023, and the English homepage FAQ mistakenly refers to UK GDPR.
Who owns the data?
The terms are explicit on ownership. Data supplied by the client remains the property of the client, while the software and the algorithms remain the property of Onesurance, licensed for the term of the agreement on a non-exclusive, non-transferable, non-pledgeable and non-sublicensable basis. Under the GDPR, Onesurance acts as processor and the broker or insurer as controller, with a data processing agreement concluded under article 28. In exchange, the client grants Onesurance a right of use for the duration of the contract to process that data for service delivery, quality improvement and benchmarking, on condition that it is anonymised. Sub-processors are listed publicly and must themselves sign a processing agreement.
Reuse rights
Nothing in the terms restricts what the client does with its own data: it stays the client's property, the client remains the controller, and the platform is positioned as a decision layer that leaves the existing policy administration system as the source of truth. Insights, priority lists and scores are delivered back into the Onesurance portal, into insurer extranets or into the client's CRM. The reverse direction is where attention is needed. Article 14 lets Onesurance process client data for quality improvement and benchmarking provided it is anonymised, and the trust centre says machine learning models are trained exclusively on fully anonymised datasets. The homepage FAQ, by contrast, states that data is used only for analyses on the client's own book and is never shared. No opt-out from model training is documented anywhere.
Data retention & training
Hosting summary
All processing runs exclusively in Microsoft Azure, West Europe region, which the vendor locates in the Netherlands and Dublin, across multiple availability zones. Onesurance states 100% EU data residency and no transfer of personal data to third countries or international organisations outside the European Union, with standard contractual clauses agreed with Microsoft as an additional contractual safeguard. Data is encrypted with AES-256 at rest and TLS 1.3 in transit, personal identifiers are pseudonymised with SHA-256, and access is governed by role-based control with mandatory multi-factor authentication. The full sub-processor list is published: Microsoft Azure, Bonsai Software B.V. in Rotterdam, Microsoft Entra ID, ID Business Intelligence, ANVA, Orq.AI, Azure OpenAI, Google Vertex and Microsoft Power BI, each with its data location and processing agreement. Clients receive at least thirty days' notice before a new sub-processor is engaged and may object; all are reassessed annually.
Things to keep in mind
Risks and trade-offs to weigh before adopting Onesurance.
- The terms let Onesurance use client data for quality improvement and benchmarking once anonymised, while the homepage FAQ says data serves only your own book - read article 14 before signing
- No opt-out from model training is documented anywhere on the site, in either direction
- The trust centre displays ISO 27001 prominently, but the certification is only targeted for Q4 2026; the ISO 27001 shown belongs to the Microsoft Azure data centres
- Published prices are explicitly indicative and portfolio-dependent, with no VAT treatment stated, so the real cost is only known after a demo
- Headline results - 75% less lapse, EUR 950,000 preserved, 80%+ cross-sell hit ratio, 870% ROI - are attributed to unnamed intermediaries and cannot be checked
- Acting on a ranked machine list every morning can quietly replace an adviser's own reading of a client; the duty of care remains with the human, not the model
- The website privacy statement is still version 0.01 dated April 2023, well behind the far more detailed trust centre
Setup & Integrations
Technical difficulty
Low for the client, by design. Most implementations require only client, policy and claims data, supplied through a direct database connection, a REST API using OAuth 2.0, or SFTP file exchange. Onesurance handles the configuration and onboarding, and certified implementation partners can absorb more of the work. Automated DBT transformations validate data quality before any model runs, and separate test and production environments run on Azure deployment slots. The vendor advertises three weeks to first insights, no additional headcount and no data science team, and includes 100 support hours over the first three months.
Deployment
Integrations
Supported languages
Behind Onesurance
Fundraising
Social
Resources
All the official URLs gathered for verification and reference.
Alternatives
Tools that compete with or complement Onesurance.
Frequently asked questions
Who is Onesurance built for?
Do we have to migrate or replace our policy administration system?
How long does implementation take?
What does Onesurance cost?
Is there a free trial or a free plan?
Where is our data hosted?
Is Onesurance ISO 27001 certified?
Is a data processing agreement available?
Is there a mobile app or a public API?
Which competitors does the vendor name?
Should you pick Onesurance?
Onesurance is a narrow product that knows exactly what it is. It does not try to serve the whole insurance value chain: it works for intermediaries and MGAs holding at least ten thousand client relationships, and it says so on the pricing page. Within that boundary the proposition is coherent - read the book that already exists, rank it every night, and hand each adviser a short list in the morning, with agents to carry out the follow-up.
The compliance posture is stronger than most tools of this size. Full EU data residency on Azure West Europe, no transfers outside the Union, a named data protection officer, a processing agreement offered to every client, a published sub-processor list with thirty days' notice, and quantified service levels in the contract rather than in a brochure. That matters in a sector where the buyer answers to a regulator.
The gaps are equally clear. ISO 27001 is not held, only targeted for the end of 2026, and the certification visible in the trust centre belongs to the Azure data centres. There is no free plan and no free trial: the evaluation phase is billed. The advertised REST API has no public documentation. And the site contradicts itself in two places worth noting - the terms allow anonymised benchmarking that the homepage FAQ appears to rule out, and the company's own structured data claims a 2023 founding date when the Dutch register shows September 2022.
For a brokerage above the size threshold that already has an agency management system it does not want to replace, Onesurance is a serious candidate. Read the terms on benchmarking before signing, and ask for the certification timeline in writing.
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