ELMA

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ELMA Join the Founding Circle
Why Elma How it works Who it's for Our vision FAQ Join the Founding Circle

A new way to protect entrepreneurs

You protect your company. Who protects you?

ELMA is building the safety net for entrepreneurs, independents and business leaders, protecting the person behind the company when professional risk becomes personal. Income continuity, personal responsibility, legal protection and support for what comes next.

My income
My responsibility
My future

The blind spot

Everything around the company is protected. Except the person carrying it.

You insure the business. You sign the contracts. You carry the responsibility. But if you lose your mandate, your income disappears, a decision is challenged or a personal guarantee is called, you are often left to navigate the consequences alone.

The entrepreneur should not be the company's blind spot.

Who is exposed?

You may be more exposed than you think.

Independent

Your income depends directly on your ability to work and win new business. There is no employer safety net behind you.

Founder

Your company may be protected, but your income, mandate and personal future are often tied to a single venture.

Executive with a mandate

You can carry significant responsibility while remaining removable from your role, sometimes without salaried protections.

Business buyer

Loans, personal guarantees and invested capital can make company risk a family patrimonial risk.

Entrepreneur in transition

Leaving employment, selling a company or starting again can mean rebuilding without a clear safety net.

Protect my income

So losing an activity, a mandate or a company does not immediately become a personal financial crisis.

Protect my responsibility

For the moments when decisions, signatures, governance and personal liability extend beyond the company.

Protect my future

Legal guidance, patrimonial vigilance and support to recover, transition and keep moving forward.

How ELMA works

One safety net, designed around your real exposure.

  1. 01

    Tell us how you work

    Founder, independent, executive, buyer or business owner: we start with your role, income, mandate, ownership and personal exposure.

  2. 02

    Understand what is at risk

    ELMA is being designed to identify where company risk could reach your income, responsibility, legal position or personal assets.

  3. 03

    Build the right safety net

    The future service will bring together relevant protections, services and trusted support around your situation.

  4. 04

    Keep one place to turn

    As your company, mandate or career evolves, ELMA will help you understand what is protected and what still needs attention.

One relationship

Protection should not feel like a collection of disconnected products.

Today, entrepreneurs must coordinate separate insurers, lawyers, advisers and support networks. ELMA is being designed to bring the essential pieces together around the person leading the company.

Income protection Executive liability Legal support Personal-guarantee review Professional-transition support Trusted experts Peer support

ELMA

One membership. One trusted relationship. One place to turn.

Today

Protection feels scattered.

  • Multiple advisors, renewals, contracts, and phone numbers.
  • Support is organized around providers, not the entrepreneur's life.
  • Entrepreneurs carry the missing pieces quietly.

Tomorrow with Elma

A calmer way to keep building.

  • One place designed around the entrepreneur's real life.
  • Proactive guidance before problems become emergencies.
  • A safety net that grows with each new responsibility.

The journey

Built for the moments when building gets personal.

  1. Start

    You leave the protections of salaried employment and begin carrying the risk yourself.

  2. Grow

    Clients, employees and partners begin to depend on your decisions.

  3. Take responsibility

    A mandate, governance role or signature increases your personal exposure.

  4. Commit

    Investments, loans and personal guarantees connect the company to your own financial future.

  5. Face uncertainty

    Loss of activity, removal from a mandate, litigation or company failure can affect more than the business.

  6. Keep going

    ELMA is being designed to help protect your next chapter, not only compensate the previous one.

Our ambition

We don't want to build another insurance company.

We want to build the safety net entrepreneurs and business leaders should have had from day one: one that protects income, responsibility and personal exposure, while helping people recover and keep moving forward.

Because taking professional risk should not mean putting your entire personal life at risk.

Founding Circle

Help build the safety net entrepreneurs are missing.

ELMA is still being built. We are bringing together independents, founders and business leaders to understand where existing protection fails and shape a service that works in real life.

  • Share the risks you actually face
  • Help challenge the first offer
  • Get early access to ELMA

FAQ

Clear answers, early on.

Is ELMA available today?

Not yet. ELMA is a pre-launch project. We are currently speaking with independents, founders, business leaders, insurance partners and legal experts to shape the first offer.

Who is ELMA for?

ELMA is being designed for people whose professional risk can affect their personal income, responsibility or assets: independents, founders, business owners, executives with a mandate, buyers and entrepreneurs in transition.

Is ELMA health insurance?

No. ELMA is not a health insurer, mutual health plan or employee-benefits platform. Its focus is the personal financial, legal and professional exposure created by entrepreneurship and executive responsibility.

Is ELMA an insurance company?

ELMA is being designed as a protection platform working with regulated insurance partners. ELMA's role will be to make the entrepreneur's risks understandable and bring the relevant protections and services into one coordinated experience.

What will ELMA protect?

The initial focus is income continuity, executive and personal liability, legal and patrimonial exposure, and support following a professional setback.

How is this different from existing executive insurance?

Most existing solutions are sold as isolated contracts. ELMA is being designed as a broader safety net, with one relationship and services that remain useful before, during and after a difficult event.

Can my company pay for it?

Some protections may be financed by the company, while others will depend on the person's legal status and situation. The final structure is still being developed.

What happens when I join?

You join the first community helping shape ELMA. You may be invited to an interview, receive occasional progress updates and get early access to the first version of the service.