Omocom Försäkring

Omocom Försäkring

Ola Lowden, Emanuel Badehi Kullberg, and Tobias Mård launched Omocom in 2017 to provide insurance solutions for platforms enabling peer-to-peer rentals and resale. The firm operates as a licensed Swedish insurance company, not an MGA or broker, and embeds coverage directly into partner marketplaces so protection activates at the moment of transaction. Wealth origin is not publicly disclosed beyond institutional backing. Omocom underwrites on-demand policies for the sharing and circular economy across three asset classes: vehicles, residences, and personal items. Its embedded model integrates with partner platforms such as Hygglo, Blocket, and Tradera, covering transactions in Sweden and select European markets. The firm acts as the risk carrier, distinguishing it from insurtech distributors that front for third-party capacity. Coverage spans the full rental lifecycle, from reservation to return, without requiring consumers to purchase standalone policies. Länsförsäkringar AB is the lead investor and largest shareholder with a 39.62% stake, anchoring Omocom to a domestic mutual insurance network. Venture investors including Inventure, Mustard Seed MAZE, Alma Mundi Insurtech Fund, and Luminar Ventures participated in the Series A, though deployment and headcount figures remain undisclosed. No adjacent philanthropic or club structures are publicly reported. Omocom’s structural differentiator is its status as a direct insurer rather than a technology vendor distributing third-party paper. The firm holds an insurance license and carries underwriting risk, which gives it control over product design, claims handling, and pricing within partner platforms. This architecture lets it serve as the insurance backbone for circular-economy marketplaces, aligning regulatory compliance with digitally native distribution.