Our story
Adaptive. Predictive.
Preventative.
Cachet is the adaptive insurance infrastructure the platform economy was missing. We re-design coverage into a living system, adapted around you, supported by the tools to prevent loss long-term. So that insurance works for the platforms and people it protects.

Adaptive, Not Static
Traditional insurance is static — fixed premiums, broad pools, priced from the past.
Cachet makes coverage a living system, moving with the operator, the user, the fleet, and the signal. It's the category insurance has to become, and the one we're already building.

Stop Managing Risk. Start Controlling It.
Managing risk is reactive — mitigating the fallout once loss has already happened. That's a cost base, not a strategy.
We hand control back. Live operational signals become continuous risk control platforms can see, shape, and act on — across the fleets they run and the insurers and cities they share that risk with.

Prevention Is the Point
The industry is measured by how well it pays for loss. We measure ourselves differently.
Cachet is judged on how much loss it prevents — claims not filed, assets not damaged, people not harmed, and growth no longer capped by an insurable ceiling.
Features & nominations

The Europas 100 2024

Top FinTechs of the Year 2024

Selected for DIA Top 100 InsurTechs 2019

Hidden Treasure in Extended FinTech category

Baltic Fintech Startups to Watch in 2020

Techstars Barclays London Accelerator 2020

Early Metrics 2020

Plug And Play Insurtech Finalist 2021

Insurtech 100 2021

Member of MyData Global

Real-Time Economy Solutions Pilot

AI Platform Development
Founders, Keepers
In 2018, Hedi Mardisoo and Kalle Palling were puzzled. The sharing economy was shaking up the world of work. Every industry was being personalised. But insurers didn't seem to get the memo. By September that year, Cachet was in motion.
One more thing. Fair insurance rates are great for gig workers. Progressive insurers now get and respect them. But it gets better. With each new customer with a Cachet Score, there’s less inequity and more trust and loyalty in the gig economy itself. We think it’s the only way the future of work can live up to its promise.
But what about people with regular jobs? Exactly. We’re working on making fair and human-centric insurance accessible to everyone. It’ll happen. And it’ll be a very good day.
