总部位于塔林的初创公司Cachet向网约车、滑板车和零工经济应用销售保险，该公司已完成一轮由Spintop Ventures领投的融资。这笔交易将其筹集的资金总额提升至约1100万欧元。
Tallinn startup Cachet, which sells insurance to ride-hailing, scooter, and gig-work apps, has closed a funding round led by Spintop Ventures. The deal raises its total capital to about €11 million.
此外，早期的支持者Truffle Capital和Icebreaker.vc也参与了本轮融资。
Moreover, Truffle Capital and Icebreaker.vc, both earlier backers, joined the round.
Cachet是一家持牌经纪公司，而非保险公司。其保单根据每辆汽车、滑板车或每位工人的实际使用情况量身定制，并直接嵌入到应用程序中。Cachet负责管理保单和理赔，由大型保险公司承担风险。
Cachet acts as a licensed broker rather than an insurer. Its policies are shaped by real use of each car, scooter, or worker, and they plug straight into the apps. Cachet runs the policies and claims, and large insurers take on the risk.
相比之下，标准保险通常是一年设定一次，且一次仅限一个国家。而在应用程序上，风险会随着每一次行程而变化。
Standard cover, by contrast, is set once a year and in one country at a time. On an app, the risk shifts with every ride.
Cachet在16个欧洲市场拥有牌照，并拥有50多家平台客户，其中包括Bolt、Voi、Ryde和Turo。同样来自塔林的Bolt在筹备上市之际已筹集了2.2亿欧元。
Cachet holds licences in 16 European markets and has more than 50 platform clients, among them Bolt, Voi, Ryde, and Turo. Bolt, also from Tallinn, has raised €220M as it prepares for a stock market listing.
该公司表示，其规模在过去一年中扩大了一倍以上。它还在整个2025年首次记录了按EBITDA（息税折旧摊销前利润）衡量的营业利润。
The company said it more than doubled in size over the past year. It also recorded an operating profit, measured as EBITDA, for the first time across all of 2025.
这笔新资金将用于产品开发和增加销售人员。Cachet计划覆盖新型的平台工作形式，例如名义雇主（employer-of-record）模式，即由第三方担任工人的法定雇主。
The new cash will go on product work and more sales staff. Cachet wants to cover new forms of platform work, such as employer-of-record set-ups, where a third party is the workers’ legal employer.
它还计划在自动驾驶汽车驶入欧洲道路（例如芬兰的无人驾驶汽车）时为其提供保险。
It also plans to cover self-driving vehicles as they reach European roads, such as driverless cars in Finland.
部分资金将用于资助一款工具，该工具可读取客户车队的实时数据，并告知客户如何在保单期内降低风险。
Some of the money will fund a tool that reads live data from a client’s fleet and tells it how to reduce risk during the policy period.
其目标是预防事故，而不仅仅是在事故发生后进行理赔。Cachet最初在北欧国家使用了这款工具，现在计划将其引入其他市场。
The goal is to prevent incidents rather than only pay out after them. Cachet first used the tool in the Nordic countries and now plans to bring it to other markets.
Cachet首席执行官兼联合创始人海迪·马尔迪索（Hedi Mardisoo）表示：“我们正在为未来的发展构建适应性强的保险基础设施，从共享和自动驾驶汽车到分布式工作和人工智能责任。”
“We are building the adaptive insurance infrastructure for what comes next, from shared and autonomous vehicles to distributed work and AI liability,” said Hedi Mardisoo, Cachet’s chief executive and co-founder.
以高估值烧钱买增长的保险初创公司相比，市场上有很多噪音。Cachet走的是截然相反的路线。”
“There is a lot of noise right now from insurance start-ups burning capital to buy growth at high valuations. Cachet has taken the opposite route,” said Erik Wenngren, a partner at Spintop Ventures.
文格伦表示，这笔交易是Spintop对爱沙尼亚的首次投资。马尔迪索和卡勒·帕林（Kalle Palling）于2018年共同创立了Cachet，该公司上一轮融资是在2022年，当时筹集了550万欧元，由Truffle Capital领投。
The deal is Spintop’s first investment in Estonia, Wenngren said. Mardisoo and Kalle Palling founded Cachet in 2018, and it last raised €5.5 million in 2022, in a round led by Truffle Capital.