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

 

Our Insurance 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

Insurance

Lab

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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