Six years ago, Vantel started in the least inspiring place imaginable.

A claims desk.

One of us was working as a claims adjuster at a large insurance company in northern Sweden. Every day meant reviewing claims and telling people “no” at the exact moment they needed help most. Not because they were dishonest. Not because they were reckless. But because they hadn’t read their 200-page policy, and the exclusion that mattered was buried deep in the fine print.

Those conversations stayed long after the workday ended. People had paid premiums for years, trusted they were protected, and only discovered the truth when it was too late. The policies said what they said. The system worked as designed. And it felt deeply wrong.

That frustration didn’t go away. It followed through military service, into university, and into the early days of building in tech. Then, in 2022, something changed. AI crossed a quiet threshold. For the first time, machines could actually read and understand long, complex documents.

In 2024, Ulme and Love met.

Ulme was building his first insurtech company. We started talking about insurance, about claims, about those sleepless nights spent denying coverage to people who thought they were protected. About brokers who wanted to do right by their clients, but were stuck working through PDFs, emails, and manual comparisons.

That’s when the question surfaced, almost casually.

What if we fix that?

What if brokers had the tools to truly understand coverage before it mattered. To spot gaps early. To explain decisions clearly. To protect clients instead of apologizing to them later.

Ulme shut down what he was working on. We went all in.

Vantel was born from that moment. Not to replace brokers, but to make them better at the human part of their job. We built tools to handle the document-heavy work: comparing quotes, reviewing policies, analyzing contracts. So brokers could focus on judgment, strategy, and relationships.

Along the way, something else became clear.

Brokerages sit on an enormous amount of untapped intelligence. Thousands of policies, endorsements, and emails that no one can search. No visibility into where clients are underinsured. No way to see patterns across the book. No leverage from past decisions.

Vantel turns that chaos into structure. Into client intelligence. Into foresight.

Today, we work with brokerages across the US and Europe, from top-20 firms to independents. We’re backed by Y Combinator, angels from Lloyd’s of London, and early investors in companies like Spotify, Airbnb, Revolut, and Brex. But more importantly, we’re building alongside the brokers who live with these decisions every day.

We’re not automating judgment away.

We’re making sure it’s informed, defensible, and human.