Bernalo helps organisations innovate safely — from Open Insurance APIs to AI-driven cybersecurity consulting that ensures trust, compliance, and resilience.
Bernalo began with a simple conviction: insurance could be more secure, more open, and more intelligent.
Inspired by the transformation of Open Banking, our founder built the Insurance Sandbox, RiskPeek and SME Business Risk Index from the ground up.
Today, Bernalo empowers innovators with tools that accelerate new insurance products while preserving trust and transparency.
Today, Bernalo extends it's innovation beyond insurance — helping organisations build AI-driven cybersecurity resilience with explainable AI, human oversight, and UK/EU compliance (GDPR, NIS2, DORA) at the core.
A secure development and test environment for open insurance APIs, policy management, and compliance automation.
Real-time risk scoring and insights to power smarter underwriting decisions.
To provide insurers and underwriters with an automated risk score for UK-based SMEs, based on financial health, compliance history, and economic sector trends using
In the UK, more than 10,000 fire damage claims invalidated simply because properties didn’t have a smoke alarm. For insurers, it’s a loss of trust issue; for policyholders, it’s financial and emotional devastation.
Here’s how AI, AI Agents, and Chatbots could step in and make a difference - Contact us to see our projected dashboard.
Custom solutions to future-proof insurance operations.
We strengthen digital resilience through explainable AI security, automated threat detection, and compliance-first advisory tailored to UK organisations.
Explore our perspectives on the future of insurance, from AI in claims to blockchain-powered transparency.
Read ArticlesWe collaborate with insurers, technology partners, and regulators to set new standards for open, secure insurance.