Ænix builds cloud platforms for insurance carriers and reinsurers that must satisfy DORA (in force across the EU since January 2025), per-market data-residency rules, and ICT third-party concentration scrutiny while adopting GenAI for claims processing, underwriting, and fraud detection. The foundation is Cozystack, an Apache 2.0 CNCF project that runs virtual machines and containers on one Kubernetes API using KubeVirt, Cilium eBPF networking, and LINSTOR/DRBD storage, with Tenant-CRD multi-tenancy that separates business units and group entities. On top, Ænix sells Ænix Private Cloud Platform and Ænix AI Platform (both quoted per RFP) plus implementation services, giving insurers a sovereign, audit-ready, AI-capable platform built to support DORA, with no per-CPU or per-core licensing.
Insurance carriers and reinsurers in 2026 face overlapping pressures: DORA enforcement (in force January 2025), GenAI-driven claims-processing transformation, sectoral regulator scrutiny on ICT third-party concentration, and increasing data-residency requirements per market. The architectural answer is a coherent platform with sovereignty, audit-readiness, and AI capability built in — not bolted on.
Ænix builds platforms for insurance organizations across the EU, DACH, and Central Asia. AENIX s.r.o. holds ISO/IEC 27001:2022 certification for its own ISMS; security leads can start with the CISO guide.
Pairs with: Ænix Private Cloud Platform for DORA-aligned regulated cloud foundation; AI Platform for claims-processing AI and underwriting AI workloads on regulated data. Free DORA Compliance Checklist →.
What insurance teams come to us for
Insurance workloadsVMs and containersClaims, underwriting, fraud-detection AI
run on
Ænix platformsPrivate Cloud PlatformAI Platform
built on
CozystackOne Kubernetes API (KubeVirt)Cilium eBPFLINSTOR/DRBDApache 2.0, CNCF
separates business units via
Tenant-CRD multi-tenancyBusiness-unit separation
- DORA third-party risk with a group structure — insurance and reinsurance undertakings are financial entities under DORA, and the ICT third-party controls (Articles 28–30) and business-unit separation have to hold across carriers, MGAs and shared service companies inside one group.
- AI on claims and underwriting data — claims triage, underwriting and fraud detection are the workloads insurers want on GPUs and cannot send to a public model endpoint.
- Per-market residency for a multi-market book — a carrier writing in several member states inherits several residency rules for the same policy administration stack.
The cost and VMware-exit triggers are common to the whole sector; those are covered on financial services.
Financial-sector case studies
Insurance customers are not named. The closest written-up engagements are in banking and financial services, anonymized but with architecture and figures intact:
All case studies →
Ænix created Cozystack (CNCF Sandbox project, CNCF Certified Kubernetes distribution) and co-maintains it with maintainers from other companies. On top of it we offer three platforms — Public Cloud, Private Cloud and AI.
Frequently asked questions
Is insurance in scope for DORA, and how does this platform help?
Yes. Insurance and reinsurance undertakings are financial entities under DORA, which has been in force across the EU since January 2025. The platform is built to support DORA: it runs on infrastructure you control, separates business units with Tenant-CRD multi-tenancy, and supports the ICT third-party register and exit strategy that DORA Articles 28–30 require. The obligations themselves stay with the insurer.
Can we run GenAI on sensitive claims and underwriting data without sending it to a public cloud?
Yes. The AI Platform runs claims-processing, underwriting, and fraud-detection AI on private LLM infrastructure inside your own sovereign environment, keeping regulated insurance data on infrastructure you control rather than a public-cloud AI service.
What is the platform built on?
Cozystack, an Apache 2.0 CNCF Sandbox project that Ænix created and co-maintains with maintainers from other companies. It runs VMs and containers on one Kubernetes API using KubeVirt, Cilium eBPF networking, LINSTOR/DRBD storage, and Tenant-CRD multi-tenancy. Ænix sells platform subscriptions and services on top.
How does this help insurers exit VMware?
Cozystack runs both virtual machines and containers on one Kubernetes API via KubeVirt, so existing VM workloads migrate onto a single platform. Its Apache 2.0 licence has no per-CPU or per-core fees, removing the VCF subscription cost pressure many insurers face.
Where does Ænix operate for insurance clients?
Ænix builds platforms for insurance organizations across the EU, DACH, and Central Asia, supporting per-market data-residency requirements for multi-jurisdictional carriers and reinsurers.
What does it cost?
Ænix Private Cloud Platform is quoted per RFP after a Platform Readiness Assessment. Support tiers for self-run Cozystack start at $1,250 per 10 nodes per month (Basic, billed annually) — see the pricing page. Cozystack itself is open source under Apache 2.0 with no licensing fees.
