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Stere

The digital insurance ecosystem for launching and growing insurance programs

Distribution & Sales Startup Seed
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Overview

Stere is a digital insurance ecosystem founded in 2021 by Dogan Kaleli, former Head of Program Business North America at Allianz. The company provides a comprehensive platform for businesses to find insurance and reinsurance capacity on a local or global level, access digital tools, and launch, manage, and grow insurance programs. Stere connects capacity seekers such as MGAs, program administrators, and embedded insurance platforms with capacity providers including insurance carriers and reinsurers.

The platform combines a capacity trading marketplace with a full-stack API infrastructure, enabling partners and MGAs to build complete insurance APIs in as little as three weeks. Stere's technology leverages AI, machine learning, and cloud computing to streamline the customer experience from quoting through issuance and payments. The company has signed 50+ MGAs representing over $1.5 billion in annual premium.

With operations across North America, Latin America, and Asia Pacific spanning over 15 countries, Stere continues to expand through strategic partnerships. Recent collaborations include powering embedded drone insurance with AutoPylot, digital pet insurance in Singapore with Silversky and MSIG, and small business insurance with EPIC Insurance. The company has raised $7M in total funding and has been part of both Plug and Play's Winter 2021 cohort and InsurTech NY's 2023 Accelerator.

Products & Services

Stere API (API-as-a-Service)

API-first platform enabling insurers and MGAs to build full-suite insurance APIs in as little as three weeks, streamlining the customer experience from quote to issuance and payments.

Key Features

  • Comprehensive API library for insurance product digitization
  • Bring-your-own-API or build new underwriting APIs
  • Rate, quote, bind, policy issuance, data enrichment, KYC/KYB, and billing
  • Integration with carrier systems independent of their API capabilities

Target Users: Insurers, MGAs, Embedded Insurance Partners

Stere Distribution

Digital platform enabling distribution partners to gain broad access to insurance products through a single API connection and pre-built portals.

Key Features

  • Single API connection to multiple carriers
  • Pre-built white-label distribution portals
  • Partner management tools
  • Scalable infrastructure reducing operational costs

Target Users: Brokers, Wholesalers, Embedded Insurance Partners

Stere P3 (Program Placement Platform)

Capacity sourcing and program placement platform designed to increase program success rates by over 25% while reducing carrier and reinsurer scouting investment by at least 50%.

Key Features

  • Local and global capacity options across 15+ countries
  • Carrier and reinsurer matching algorithms
  • Program placement and scouting tools
  • Human intuition paired with technology-driven selection engine

Target Users: MGAs, Program Administrators, Insurtechs

Stere Claims

Claims management platform designed to make the claims experience simple, efficient, and transparent.

Key Features

  • Automated data enrichment reducing manual paperwork
  • Customizable claims workflows
  • Automated notifications and alerts
  • Adaptable reporting tools

Target Users: Insurers, Distribution Partners, Agents

BrokerPro

Integrated platform where brokers can access insurance products, make quotes, manage sales, and analyze data in one place.

Key Features

  • Multi-product quoting and sales
  • Risk analysis tools
  • Premium issuance capabilities
  • Data analytics dashboard

Target Users: Brokers

Stere Pay Later

Buy-Now-Pay-Later gateway for insurance enabling flexible payment options for policyholders (beta).

Key Features

  • Flexible installment payment plans
  • Seamless integration with existing payment systems
  • Transparent pricing structures
  • Payment management dashboard

Target Users: Insurance Companies, Brokers

At a Glance

Founded
2021
Headquarters
Dover, Delaware
Employees
11-50
Funding
Seed

Category & Focus

Category
Distribution & Sales
Subcategories
Capacity Trading Embedded Insurance API Platform MGA Infrastructure Payments
Insurance Verticals
P&C Specialty A&H
Target Customers
MGAs, Carriers, Embedded Insurance Partners, Brokers, SaaS Platforms

Customers

  • MGAs and Program Administrators
  • Insurtech startups
  • SaaS platforms seeking embedded insurance
  • Financial technology companies
  • Brokers and wholesalers
  • Retailers and e-commerce platforms
  • NFP (program placement)
  • Once Insurance Group (small valuables insurance)
  • Silversky (pet insurance distribution in Singapore)
  • EPIC Insurance (small business insurance)
  • AutoPylot (embedded drone insurance)

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Last updated: 2026-03-25