The chief executive officer of the digital insurer Verti, Juan Pablo Galán, has highlighted the company’s track record after sixteen years of activity and, looking ahead to the coming years, has underlined that the goal is to maintain double-digit growth supported by technology, especially artificial intelligence (AI), while preserving its essence based on personalization and on the continuous improvement of the customer experience.
On the threshold of its 16th anniversary, the insurer of the Mapfre Group already surpasses 500,000 policies in Spain. In 2025, the entity reached 147 million euros in premiums, which represents an advance of 11% over the previous year, and recorded a profit of 10.8 million euros.
Galán recalled that Verti was born directly in the digital environment and that, over these years, "without losing its essence," it has been adapting to new consumer habits.
The company has moved from a model focused almost exclusively on online contracting to a scheme in which the relationship is increasingly digital throughout the customer’s life cycle. Today, 85% of the procedures linked to policies and claims are carried out autonomously through Verti’s digital channels.
The executive has clarified that this progress does not mean neglecting the insured, who can choose between the digital route or personalized service with specialized agents. In fact, the company believes that certain procedures should remain in the hands of people.
An example is the opening of claims with personal injury, in which the client has a human case manager, since, as Galán has emphasized, in the insurance business it is key "never to lose the human element."
Grow without giving up the own model
The transformation is not limited to the way of distributing or relating to the customer. Verti has progressively expanded its catalog with car, motorcycle, home, pets and electric scooter insurance, as well as specific solutions such as 6Ruedas, CuentaKms or Verti Driver.
This development has been reflected in the business figures: in 2025 the company reached 147 million euros in premiums, 11% more than the previous year, and obtained a profit of 10.8 million euros.
The plan now involves continuing to grow in a profitable manner, maintaining focus on customer service and without straying from its DNA. "We are going to keep working to grow a lot and above all to build on what has always been our differentiating value: technology, personalization and, above all, an experience that is increasingly simpler and more personalized for the customer," Galán has emphasized.
The customer transformation
In almost 16 years of experience, Verti's customer profile "has changed a lot" and two major stages can be distinguished, as the chief executive officer explained.
The first, until 2020, was marked by a more "progressive, slow" evolution. From 2020, with the impact of the Covid-19 pandemic, "the customer radically digitalized."
Beyond how the consumer has changed in the market, Galán has indicated that Verti continuously carries out communication and training actions so that customers know how to operate from the mobile application or the private area on the internet.
Alliance with Santander
Starting on October 1, Santander integrates Verti into its car insurance offering within the bancassurance alliance it maintains with Mapfre. This proposal, at the close of the third quarter, totaled more than 260,000 policies, of which 152,000 corresponded to auto insurance.
With this agreement, Verti expands the options available to Santander customers in the motor line and, at the same time, extends its digital offering to new segments of the public and an additional distribution channel.
"We combine two complementary capabilities: Santander's distribution capacity and customer knowledge, and Verti's agile, personalized technological model," Galán stated, who has anticipated that "very virtuous" processes will be generated.
Insurance sales app integrated into ChatGPT
In the technological arena, Verti has launched the first insurance sales application of the Mapfre Group integrated into ChatGPT. It is a conversational quote system for electric scooter insurance that allows the user to calculate the price of their policy through a natural conversation with artificial intelligence.
The user can request information about the insurance, clarify doubts about coverage, and provide the necessary data to obtain a quote in a simple, guided way. Galán considers that insurance for electric scooters is "the ideal insurance to generate that kind of pricing within AI".
It has also pointed out that this initiative responds to Verti’s need to adapt to the “transformation of digital habits, to the new ways of searching for information, comparing and, above all, making purchase decisions.”
As the digital innovation laboratory of Grupo Mapfre, Verti was born with a dual mission: to be the Group’s digital reference and to act as a testing ground throughout the value chain, not only in distribution.
“What we test in Verti and works, we scale to Mapfre and the impact multiplies,” Galán has highlighted, who has noted that, thanks to its size and its digital nature, the company can launch pilots in an accelerated way. These experiences, he added, serve to improve the customer experience.
A future of growth supported by technology
Looking ahead, the company wants to position itself as a point of reference in artificial intelligence, so that, if the digital customer moves within AI applications, Verti aspires to lead that environment.
In general terms, the purpose is to continue growing in a profitable way, innovating and adapting to the evolution of consumer habits. The goal is to “keep growing at a double-digit pace” and “keep being a profitable company,” the executive said, who expects to “grow much more” in a context in which the market supports it and more and more customers are willing to take out insurance digitally.