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Closing Europe's SME Protection Gap

This report explores how digital platforms and the insurance industry can work together to improve access to protection at scale.

  • ✓ 48-page research report
  • ✓ 7 SaaS verticals analyzed
  • ✓ Industry perspectives from Aon

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    What You’ll Learn

    This report examines one of the largest yet least discussed opportunities in European insurance: the SME protection gap.

    Drawing on industry research, market data, and real-world embedded insurance examples, the report explores why millions of European SMEs remain underinsured and how digital distribution models are creating new pathways to improve access to protection.

    Inside the report, you’ll discover:

    • The scale and underlying causes of SME underinsurance across Europe
    • How embedded insurance addresses structural distribution challenges
    • Why vertical SaaS platforms are emerging as a powerful insurance distribution channel
    • Adoption trends across HRTech, MobilityTech, PayTech, PropTech, ERPTech, TicketingTech, and AccountingTech
    • Commercial opportunities for insurers, MGAs, brokers, and SaaS providers
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