Digital Insurance Agenda

tech11: Fully automated digital core insurance solutions

Written by Roger Peverelli and Reggy de Feniks - Founders The DIA Community on May 1, 2018

German startup tech11 provides core insurance solutions for the insurance industry in EMEA. The solution is unique in terms of technology stack following one principle: generating the highest business value through-out best-in-class technologies. The modular solution is designed as Container-based micro service architecture and is highly integrable due to a web services API gateway and comes with modern ES6 based user interfaces. Business users can easily configure products by a powerful product engine. Tariffs are defined in MS Excel and are just uploaded to the rating engine. Customizing and integration follows a “zero code” approach driven by Camunda’s BPM engine.

A modern and digital core insurance platform is essential for all kind of insurers and certain reinsurers or insurtechs as well. This is particularly true since all current market offerings are based on complex, inflexible and cost-intensive frameworks, leading to lengthy and only partially successful IT projects. Moreover, clients are hardly to enable and thus heavily depend on service providers.

tech11 understands how the specific needs in core insurance varies between insurers, depending mainly on size and business model:

  • Digital insurers need a lean and digital platform to manage not only their current business, but also their next business model in the near future.
  • Small, traditional insurers are searching for complete core insurance solutions or dedicated components and are open for cloud-based operations to reduce costs.
  • Medium-sized and large insurers tend evermore to build up digital insurers aside or are searching for complete packages to quickly enter new strategical markets or test product innovations.
  • Reinsurers are redesigning their client relations by investing in digital core solutions.
  • Insurtechs want to enlarge their value chain and need a complete backend-solution, recognizing that front-end solutions only, may limit their growth perspective.

How it works
The platform is based on a micro services architecture. From a technological point of view, all services are fully independent of one another and allow the use of any technology for any specific service. Just use the Right Tool for the Right Job.

In that way tech11 can further develop, deploy or replace all single modules separately. Users can orchestrate all services inside the central ICE module (ICE: integrate – control – extend). The ICE module is a Business Process Management System (BPMS) in which users easily manage all customizing requirements. Allowing users to seamlessly reuse or integrate services.

the Enabler”
Today, legacy back-ends are the main barrier for insurers to quickly adopt to rapidly changing client behavior and expectations. Besides reaching operational excellence, it is key for insurers to open up the existing system landscape to become part of growing ecosystems. And other market players are using their technological advantage to gradually enter into the insurance business.
tech11´s core insurance solutions still need to manage complex requirements running stable and secure policy and claims administration, but with a fully disruptive approach regarding both, use of technology and facilitate business operations.

Whatever is needed, configure and sell a new product, design and test a new service, develop and integrate new distribution channels, it´s all about time to market. And the digital core insurance platform of tech11 is simply the “Enabler”.

Who is tech11?
Founded in 2018 in Germany by Pierre Dubosq and Matthias Reining.
Pierre is an entrepreneur with a strong business development attitude, leading different IT companies in the insurance industry in EMEA as Sales or and Managing Director in the past 15 years.

Matthias is a tech guy with almost 20 years’ experience in the insurance industry. He worked in many IT projects across Europe in different fields: from software development / architecture over project management up to presales – always with a strong passion for technology.

The tech11 product is ready-to-use, plus dedicated product roadmap; team staffing currently started; building up system integrator partnerships aside.


Pierre Dubosq (left) & Matthias Reining (right)

At tech11 we want to disrupt the complex world of core insurance, being today´s key barrier for insurers to adopt in a rapidly changing digital world – understanding ourselves as close and exquisite technological partner of insurers and reinsurers.” Pierre Dubosq, Managing Director & Founder tech11


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