Seedcamp Podcast, Episode 85: A Dive into the Future of Insurance

In the ‘Seedcamp Podcast Series’ we talk with key people in the tech startup industry to hear their stories, key advice and learnings from their experiences.

In this episode, Carlos was joined by Ernesto Suarez, CEO of Halo Insurance Services, and Nikolaus Sühr, CEO and Co-Founder of Seedcamp’s own KASKO, to discuss the future of insurance tech. The insurance market, like the financial and property markets, is poised for startups to shake up the status quo – and they already are! In this conversation, the three discuss what is happening in the space, the key players emerging across the sector and what we can expect to see in the coming years.

Ernesto Suarez has over 20 years’ experience in insurance. In 2009, he launched Halo Insurance Services Limited, an award winning online insurance broker, specialising in non-standard vehicle. Its retail brand,, is now a leading provider of specialist car hire excess, offering policies which are up to 70% cheaper than the cover offered at the rental desks.  Halo also now operates websites in the USA (, Germany (, France (, Spain ( and the Netherlands (  Ernesto has an MBA in General Management from IESE Business School and a Bachelor of Science in Economics and Entrepreneurship from Babson College in Wellesley, Mass. USA.

Nick Sühr has over 8 years experience in insurance intermediation, product development, and strategy. In 2015, he co-founded KASKO, a digital insurance intermediary offering insurance as a Service. KASKO helps digital brands to offer the right insurance products to their customers via an API. Nick has a family background in insurance, studied Management at Nottingham University and finished has a MSc in Insurance and Risk Management from Cass Business School. Upon graduation, he worked in business development for Funk Gruppe in Hamburg (Top 3 Commercial Insurance Broker in Germany), worked in the family business, the market leads for classic and premium car insurance in DACH as head of business development & marketing. Afterwards, he moved into financial strategy consulting for zeb, Germany’s best-ranked consultancy for financial services.


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