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WE EMPOWER STARTUPS WITH CAPITAL AND KNOW-HOW. Early-stage startups raising angel rounds are welcome.
For Insurtech startups, we also consider later-stage rounds
Midio Invest is a founder-led family office

Technology. Bold ideas. Great people

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FinTech
Fintech is evolving in waves of disruptive change, reshaping markets and business models. If you’re building a disruptive idea, get in touch with us.
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InsurTech
Insurance is one of the largest industries in the world—and one of the hardest to change. We know, because we operate inside it every day.
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PropTech
Proptech is shaking the real estate industry. We want to be part of the change and support founders who challenge conventions. Let’s rock the boat together.

Capital.

Knowledge.

Network.

Midio focus on early-stage insurtech and fintech investments , while remaining open to other AI-driven, visionary startups pushing meaningful industry change.

 

Midio invest at angel and pre-seed stage startups that are willing to challenge a slow, conservative market with products that actually work in the real world.

We come from inside insurance—having built and operated a leading insurance brokerage, a dedicated insurance software agency and launcing in 2026 an active insurance innovation lab.

What we offer goes far beyond capital. Founders working with Midio Invest get access to a real insurance ecosystem: live customers, production environments, regulatory reality, and direct feedback from people who ship and sell insurance every day.

You can test, break, iterate, and launch without hiding behind sandbox demos or hypothetical use cases.

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    Real insurance experience. Built for founders who want to move it forward.

MEET THE TEAM.

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Merit Ots
CEO
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Kaspar Kõivoste
Sales manager
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Join our team!
hr@midio.vc

Midio InsurTech Lab – Validation, assessment, and real-world testing for insurtech startups

Our InsurTech Lab is not only a place to prototype—it is a structured validation and assessment environment for insurtech and fintech startups building products for the insurance market.

Startups working with the Lab gain access to insurance brokers with deep technical understanding of insurance products, customer journeys, and distribution models, combined with hands-on experience in UX, digital product design, and technology integrations. This allows early ideas to be evaluated not just for innovation, but for whether they can realistically be implemented, sold, and scaled within existing insurance ecosystems.

Midio

InsurTech

Lab

Midio

Talent

Midio Talent – Where young talent meets the future of insurance

The insurance industry is on the verge of major change. AI is reshaping how businesses operate, how services are delivered, and how customers interact with financial products. While many conservative industries tend to change last, we believe the opposite approach is needed.

At Midio Invest, together with our insurance brokerage Kindlustusest Kindlustusmaakler, we want to move with innovation—not follow it later.

The core of that change is people.

Midio Talent is designed for students and recent graduates who are curious about the intersection of finance, insurance, technology, and entrepreneurship. If you are studying Finance, IT, Business, Marketing, Law, or a related field, and have ever thought that fintech or insurtech could be part of your future, this is a place to explore it.

We are looking for bright, determined people who want to learn how insurance really works—and how it can be improved.

What we offer

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    Internships in insurance innovation

    Work alongside insurance professionals and gain practical exposure. Through us, you get insight into real insurance markets, customers, and operations—not just theory.

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    Scholarships and development support

    For students who show strong potential in insurance-related fields and want to help modernize the industry.

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    AI Residency program

    A part-time program for students and young professionals interested in applying AI to real-world insurance problems—turning ideas into practical solutions.

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    Insurtech startup funding

    Angel investment grants are available for promising startup ideas, supported by ecosystem to help them develop, test, and reach the market.

Insurance may be one of the most traditional industries—but that also means it has enormous room for improvement.

If you want to help move it forward, Midio Talent is a place to start.

OUR WORKS.

Selected projects from past and present

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MOBIRE
Mobire has grown into the leading full-service car rental provider in the Baltics
[EXIT in 2025 ]
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KINDLUSTUSEST
Kindlustusest Kindlustusmaakler is one of Estonia’s leading insurance brokers, with over 20 years of experience across Estonia.
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FINSY
At Finsy, we build digital insurance solutions focused on real client needs, not insurer complexity, making insurance simple and usable.

Good words from our partners 🙂

WELCOME!

Got an early-stage startup in fintech, insurtech, or proptech and looking for capital backed by a insurance ecosystem? We’re here to talk.
P.S. AI-driven startups ready to shake conservative industries are welcome—even
beyond our core focus

Midio Invest ( OÜ Merre Invest )
merit.ots@midio.vc
+372 555 37545
Suur-Patarei tn 2, Tallinn, Estonia

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