All you need to disrupt the insurance market 


The digital disruption demands rethinking how technology serves changing business needs.
Innoveo enables insurance companies and Insurtech startups to speed up their time to market in an era of continuously evolving customer expectations.

Time to market

Innoveo Skye Business Canvas

Business Analysts use Innoveo Skye Business Canvas to build applications, products and workflows with no need of IT developers, putting the power in the hands of business.

Pricing rating

Define your pricing algorithm in a simple Excel file. Innoveo Skye interprets it and makes the calculation at a blink of an eye. Adding or updating pricing factors is as easy as changing an Excel file.

Multi-channel capabilities

All your business lines, agents, brokers and customers in ONE platform? Innoveo Skye lets you configure private and public channels and define which functionality is available to each one of them.

Enhance user experience

Flexible customization

Forget about hard-coded software. You decide which insurance products, which processes and which distribution channels should be included in your application.

Custom built UI/UX

Change the default look and feel by applying a CSS layer. Our in-house UI experts are happy to support you in designing the perfect look & feel that follows your brand identity.

Responsive UI

Applications created with Innoveo Skye are automatically optimized to be responsive – ensuring your apps look great in every device: desktop, mobile and tablet.

Integrate with anything

Need to integrate with a backend or external system? No problem! We work with your solution architects to evaluate the optimal way. Innoveo Skye eases the integration effort via direct call to endpoints, Innoveo Skye API exposure or middleware setup.

Payment gateways

Innoveo Skye provides several integrations with different payment gateways worldwide to enable processing one time or recurring payments. Successful integrations are already in place with Stripe, Chase, CyberSource, Datatrans and many more!

Innoveo Skye APIs 

Innoveo Skye has a sophisticated integration layer, featuring standard mechanisms to synchronously (Call or expose web services – SOAP & REST API) or asynchronously (Import or export data) integrate with backend and third-party systems.

Analytics & Visualization

Reporting & Business intelligence

Using Qlik Sense? Innoveo Skye exports its database and allows you to embed your reports within the application.
Using another BI tool? Export Innoveo Skye database and use it as a data source to build your reports.

User behavior analytics

Analyze the behavior of your users to get insights on how to improve your products and processes.
Use Innoveo Skye capability to connect with Tealium Analytics for customized insights or easily integrate with Google Analytics.


Advanced tools

User Management

Innoveo Skye User Management application lets you create hierarchies that best adapt to your organization structure. Set up the permissions and authorization level to differentiate the functionality available to each user.

Marketing Campaigns

Create and distribute marketing campaigns with Innoveo Skye. Easy to configure campaigns per product, channel, organization or user. It can be a discount campaign, additional coverages, you choose!


Need your application to be offered in different languages? Once your product is built in Innoveo Skye, adding additional languages is as easy as exporting all texts to an Excel, provide translation and import the updated Excel in the applicaiton.

Document Printing

Any document can be generated with Innoveo Skye. This enables you to create quote, policy, invoice documents, with the customized layout you need to reflect your brand identity.

Email Sending

A new policy is created? Attach it in an email to the customer. A new referral is pending approval? Notify the underwriter. A new agent is assigned to the platform? Send him the credentials.

Free Text Search

Define how data should be searchable in the application by your users (e.g. quote or policy number, customer id, status, etc.) and which actions can be performed (e.g. edit quote, bind, etc).

Customer Success Stories

What do they say about us?


CEO and Founder Gryves

"Thanks to the flexible platform and excellent service, we were able to bring our products to market quickly and easily"


2017 - Gryves is a Swiss and UK based start up offering cyber security risk assessments services and risk transfer options to SMEs. Gryves was looking for a digital platform that could host and manage their products online. Innoveo came into the picture as a strategic partner to enter the Insurtech market.


As a start up, Gryves had to pivot multiple times to better define the final business model and the technological platform that could best support their offer in the market. Innoveo Skye’s ability to adapt and optimize their application allowed them to experiment the many different possible approaches for a customer portal before developing a final version and winning important partnerships.

Currently the Gryves customer portal includes two assessments, a DOMAIN CYBER CHECK which is based on data analysis and a BUSINESS BASICS CYBER CHECK which is based on a comprehensive questionnaire. Utilizing the flexibility of the Innoveo platform, Gryves can react quickly to customer requests if it comes to service provision, especially the ability to tailor the products. Innoveo’s ability to do change requests via configuration instead of coding reduces considerably time-to-market.


  • Real-time DOMAIN CYBER CHECK for SMEs
  • Adjust products via configuration
  • Innoveo as a tech platform and strategical partner
  • Enable InsurTech

Customer Success Stories

What do they say about us?



Deputy IT Director

Zurich Ireland

"...the Innoveo Skye platform enabled a market leading customer journey for quote and bind"


2017 - Zurich Ireland wanted to re-launch their Direct Home Insurance offering enabling an improved digital customer journey. This offering had to integrate to the a number of backend systems. After going through a POC phase, Zurich Ireland selected the Innoveo Skye platform. The Home Insurance product was launched successfully in October 2017.


The application consists in distributing Home insurance across Call Centre, Web, Mobile & Distribution Partnership.

Processes include Quote, Bind, Endorsements, Cancelation.

Innoveo Skye supports Pricing rating, underwiting/referral, user management functionalities. This integrates with several different systems:

  • Customer communication via document generation
  • Customer communication via email
  • Management Information Reporting
  • Back Office systems for underwriting and claims management
  • Customer Relationship Management
  • Integration to 3rd Party solutions for Address GeoCoding, flood analysis etc.

Zurich Ireland is progressing with a similar approach for other lines of business.



  • Market leading customer journey for quote and bind
  • Re-launch of partnership journey within 8 weeks
  • 2 - 3 months of configuration for quote & bind
  • Empowering digital engagement with customers






    Customer Success Stories

    What do they say about us?



    "Innoveo helped us to transfer our startup business idea into a functional platform prototype.”


    2017- Sandro and Daniel, vlot founders, had a great business idea to enter the insurtech market but no technical expertise to implement it.

    Hiring IT professionals or an IT company would be expensive and time consuming, so an alternative was needed.

    Informed by the new trend of no-code platforms, vlot founders contacted us to evaluate Innoveo Skye as a possible solution. A couple of meetings later, excited by the features we presented, such as the calculation engine easily manageable and layout customization, collaboration started.


    With Innoveo’s support, based on the modular configuration, very soon the first vlot functional prototype application was built. The insurance expertise from Innoveo and the team cooperation were highly appreciated.

    A team of 2 business analysts configured the demo vlot application – a platform that assesses the risk coverage of individuals and families with the goal of enhancing coverage in order to close any identified gap.

    Insurers need to move upstream and be present specific life events and decisions. Initially focusing on biometric risks, vlot provides easy access to a holistic assessment of state and employer related social security benefits. The vlot platform then maps consumer needs to a flexible risk coverage – on day X, but also a lifetime long: constantly capturing relevant life events and instantly transferring those into a meaningful adjustment of a chosen coverage level.

    One of the main advantages of Innoveo Skye was the easiness of setting up and adapting the assessment algorithm in a simple Excel - business people not trained to develop applications in Skye could adapt the algorithm anytime and simply upload it to the platform so that the changes were applied immediately.


      Innoveo enabled vlot to build a demo prototype solution that was successfully presented at Digital Insurance Agenda (DIA) in Amsterdam in May 2018