GoInsure ApS

Denmark · owned by Independent (Denmark) · goinsure.market · 11 vendors

Resilience scores

Technology vendors

Services catalogue

1 service in catalogue across 1 category; runs on 11 sub-vendors.

Insights

Last updated 2026-09-13 · revision 2

11 direct vendors, 108 subvendors

Direct vendors by controlling owner country (sample)

Subvendors by controlling owner country (sample)

Migration Readiness: 7/10

Assessed by AI based on technology stack characteristics (cloud-native vs legacy, containerization, microservices), regulatory environment, data residency requirements, financial stability, and vendor lock-in risks. The score ranges from 0-10, where higher scores indicate better readiness for technology migration.

GoInsure ApS demonstrates strong migration readiness, primarily driven by its modern architectural approach. The "Key Technologies" listed, including an "Online Insurance Marketplace Platform," "Real-Time Insurance Quoting Engine," and "Standardized Insurer API Integration," strongly suggest a modular, API-driven, and potentially cloud-native architecture. This is further supported by their "Standardized Insurance Distribution Layer," which is described as a platform-as-a-service for insurers, indicating that GoInsure's own platform is designed for flexible integration and product activation without custom IT projects. This architectural flexibility significantly reduces the complexity and effort typically associated with migration. The company's "GDPR-Compliant Data Handling" is a positive, as robust data governance practices simplify data migration and ensure compliance in a new environment. "Data Residency Requirements" are not specified, which could be an advantage if there are no strict geographical constraints, offering more flexibility in choosing migration targets. However, potential challenges include the unknown financial stability (revenue concentration, growth history), which could impact the funding available for a migration project. The "Vendor Lock-in Risk" is also unknown, and while the "Total Vendors: 0" is contradictory to the number of services, the reliance on specific insurance partners (e.g., Dansk Sundhedssikring, HELP Forsikring, VIKING Assistance) for product offerings could introduce integration dependencies that need careful management during a migration.

Compliance

8 in-scope frameworks identified; showing 3.

Danish Financial Business Act — Assessment Required

As a platform operating in the Danish financial/insurance sector, GoInsure may be subject to oversight by Finanstilsynet (the Danish Financial Supervisory Authority). The risk is HIGH because: (1) The company processes financial transactions and insurance contracts; (2) It references 'legislation for the financial sector' in its privacy policy, acknowledging sector-specific obligations; (3) If classified as a financial service provider or insurance distributor, extensive licensing, capital, conduct, and reporting requirements apply; (4) Non-compliance with financial sector regulations in Denmark carries significant penalties including business prohibition orders.

Evidence: https://goinsure.market/privacy-policy/, https://goinsure.market/terms-and-conditions/, https://www.finanstilsynet.dk/en

NIS2 (source) — Assessment Required

GoInsure ApS operates a digital insurance marketplace platform — a cloud-based online service. NIS2 applicability depends on two factors: (1) Sector classification and (2) Size thresholds. On sector: GoInsure is in the insurance/financial services space and operates as a digital marketplace/platform. Under NIS2 Annex I (Essential Entities), 'financial market infrastructures' and 'banking' are listed; however, GoInsure explicitly states it is NOT an insurance intermediary and does not provide financial advice — it is a technology platform/marketplace. Under NIS2 Annex II (Important Entities), 'digital providers' (online marketplaces, online search engines, cloud computing services) are listed — GoInsure's platform could qualify as an 'online marketplace' under this category. On size: GoInsure ApS was incorporated recently (CVR #43785222) and appears to be a startup/SME. If it has fewer than 50 employees AND less than €10M annual turnover, it would fall below NIS2 size thresholds and be exempt. The risk is MEDIUM because: the digital marketplace classification is plausible but uncertain; size threshold status is unknown; Danish NIS2 implementation (Lov om sikkerhed i net- og informationssystemer) is in force.

Evidence: https://goinsure.market/, https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32022L2555, https://www.cfcs.dk/en/

GDPR (source) — Partially Compliant

GoInsure ApS is incorporated in Denmark (EU member state) and operates an insurance marketplace that collects and processes significant volumes of personal data from individuals and businesses across Europe — including names, addresses, emails, insurance application data, and chat conversations. As a financial/insurance sector platform expanding across multiple EU countries, it is subject to both GDPR and sector-specific data protection obligations. The risk is HIGH because: (1) the privacy policy is notably brief and lacks several GDPR-mandated elements (no explicit legal bases for processing, no mention of a Data Protection Officer (DPO), no reference to data subject rights procedures, no details on international data transfers, no supervisory authority identification); (2) the company processes sensitive financial and potentially health-related data in insurance applications; (3) Danish DPA (Datatilsynet) actively enforces GDPR with fines; (4) the company is expanding pan-European operations, increasing the volume and complexity of personal data processing; (5) no evidence of a formal GDPR compliance programme, DPO appointment, or Records of Processing Activities (RoPA) was found publicly.

Evidence: https://goinsure.market/privacy-policy/, https://goinsure.market/cookie-policy/, https://goinsure.market/terms-and-conditions/, https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32016R0679, https://www.datatilsynet.dk/english

Financials

Three-year financials

Financial Resilience Score: 3/10

GoInsure ApS is a very early-stage Danish insurtech marketplace incorporated in 2022 that only went live with operations in January 2024. As a small ApS under Danish reporting class B, it discloses limited financial information, and no verified figures for revenue, EBIT, or equity were retrievable during the research session. Early-stage insurance marketplaces typically incur multi-year losses due to technology development, regulatory compliance, and customer acquisition costs before achieving break-even, and GoInsure is expected to follow this pattern. On the positive side, the company has established a differentiated fully-digital multi-carrier marketplace model, secured multiple named insurance carrier partnerships (ERV/ERGO, Dansk, DUA, Viking, HELP, Anticimex), and serves both broker (B2B2B) and business (B2B) channels with pan-European ambitions. However, the very short operating history, likely thin equity base, undisclosed funding runway, regulatory exposure under the EU IDD framework, carrier concentration risk, and competitive pressure from established brokers and other digital insurtechs all weigh heavily on financial resilience. The lack of transparency inherent in small ApS reporting is itself a negative indicator for external counterparties.

Key strengths: Differentiated fully-digital independent multi-carrier marketplace value proposition, Multiple named insurance carrier partnerships already secured (ERV/ERGO, Dansk, DUA, Viking, HELP, Anticimex), Dual customer channel serving both brokers (B2B2B) and businesses (B2B), Pan-European scaling ambition from inception, Headquartered in Silkeborg, Denmark with an established EU regulatory framework

Risk factors: Very early-stage company with live operations only since January 2024, Expected start-up losses and negative EBIT typical of insurance marketplaces, Thin equity base and undisclosed cash runway / funding position, Regulatory compliance costs under EU Insurance Distribution Directive (IDD) across multiple countries, Carrier concentration risk — loss of a key partner would materially impair value proposition, Limited public financial transparency as a small ApS (regnskabsklasse B), Highly competitive Nordic/European insurance distribution market with established incumbents

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