On demand insurances

for the circular economy.

Making it easier and safer to share

More and more people have realized the benefits of sharing and renting things instead of owning them. Although many want to share things, houses and services, many people feel unsafe. And for obvious reasons. If something unforeseen should occur, you may likely not be covered by insurance.  

That’s why we have developed an insurance that is tailor-made for sharing and renting on digital platforms. You can easily buy our micro insurance directly on your sharing economy  platform. We want to make it easier for everyone to share what they have and become part of the world of sharing.  

Better for the planet and your wallet.

Micro-insurance that makes it safer to share. Both for those who rent and for those who rent out. 



Up to 75 percent of people are reluctant to use sharing platforms and share their personal belongings, homes or services without the necessary insurance in place. Using the latest technology, we can offer people the security that is currently lacking - and thus contribute to more people daring to share their belongings. 


Buy insurance with a click. To make it as simple as possible, our insurance policies are integrated into the buying process on the sharing platforms with which we cooperate. When you share, you are given the opportunity to buy insurance so that you can safely rent and share things with others. Insurance when you need it, as simple as that. 


A circular economy does not follow traditional consumption patterns. We don't either. We are therefore not a traditional insurance company. Our insurance policies can be adapted and integrated with virtually all purchase processes and platforms. Through a flexible API, we can create an insurance cover that suits a growing number of users worldwide. 


Our algorithms create a secure  environment for anyone who wants to share or rent their items. In this way, we can predict and counteract fraud or criminal conduct. When you buy insurance, we review and create a risk assessment for you, giving you peace of mind when sharing. At the same time, we adhere to all data protection and GDPR policies and regulations. We apply the principles of embedded data protection and data protection as standard. 

Our values

We believe in sharing. We believe in a more resource efficient and environmentally friendly consumption. Our vision is to get more people to find the satisfaction of sharing and thereby contribute to a friendlier and more sustainable world. Omocom is just as much about insurance as it is about creating incentives and support a circular economy. 

Our vision is to make omocom a natural part of all sharing economy transactions in Europe within 5 years.   

About us

Omocom was founded in Stockholm by Emanuel Badehi Kullander and Ola Lowden Landström in 2017. The business concept behind omocom was born when they worked as experts on digital trade for the Swedish government and interviewed major insurance companies about how they intend to handle increasing values that are uninsured in society today. It turned out that they had difficulties adapting their offerings to the demands of the sharing economy. There and then Ola and Emanuel decided to do something about it. Shortly thereafter, Tobias Mård joined and the work on building a new type of insurance began. An insurance that is adapted to how we live in the 21st century. 

The underlying tech

The algorithms we developed process enormous amounts of transaction data from the different sharing platforms we work with. We can identify networks of people who then help us make individual risk calculations for each transaction. 


We believe in openness and simplicity. That is why we work with open APIs. Our solution should be able to be used on any platform. As we see it, scalability is crucial if we are to succeed. And the more that share, the better. 

Omocom AB

Birkagatan 1

113 36 Stockholm

Vxl 08 - 520 278 70

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Affiliated distributor for W.R. Berkley Insurance Nordic and EIR Insurance.


Registered by the Swedish Companies Registration Office.