Hello, we’re Hokodo

We believe the design and distribution of financial products has been broken for a long time. And we’re on a journey to fix it!

Hokodo was created to put financial solutions within reach of all companies, regardless of their size.”

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Hokodo’s story began a few years ago from a simple question: why are so many companies under-insured? Take trade credit insurance, for example: every year across Europe, hundreds of thousands of companies are driven into insolvency because of late or non-payment of invoices.

This represents a massive cost to society in job losses and financial distress; yet insurance solutions exist to almost completely mitigate this issue. The problem is that the Small and Medium Enterprises (SMEs) who could most benefit from these solutions cannot access them.

At Hokodo, we believe that by offering simpler insurance and financing solutions through more efficient distribution channels, we can help SMEs survive and thrive. Our solutions couldn’t be simpler to purchase: one click, no paperwork, no hassle, no intermediaries.

Our ambition is simple: to shape the insurance of tomorrow

We are a team of financial experts, technologists and data scientists, coming together to make insurance and financing solutions more accessible to end-customers.

Meet the entire team

Louis Carbonnier
Co-Founder and Co-CEO
Sami Ben Hatit
Co-Founder and CTO
Richard Thornton
Co-Founder and Co-CEO

Protect B2B trade and make life better for SMEs

Keep it simple

We believe in simplicity. Business owners don’t have time to read small print, so our products are designed to be simple to understand.

Be passionate, be brave, be determined

We are entrepreneurial and we’ll do what it takes to build the insurance of tomorrow. Fast.

Embrace new technology

We have seen first hand how modern technology, data, analytics and automation can deliver a customer experience that is light years ahead of what most SMEs experience today.

Our people are what makes us

Hokodo people come from all over the world, with diverse backgrounds but they all are passionate, driven and contrarian enough to think they can disrupt an industry that has resisted change for 200 years.


Change the future of insurance. Save businesses. Join Hokodo.

Do you want to work in a rapidly growing startup where you can make a real impact? The future of insurance relies on the brightest minds and the biggest hearts. Our people come from all over the world, they all believe in our mission to reinvent our industry. Join Hokodo and be part of the team building tomorrow's insurance.