# Kota > Kota (kota.io) is an employee benefits platform for companies in the UK and Ireland. It replaces brokers by integrating directly with insurance and pension providers, automating enrolment, contributions, and renewals. Employees manage all their benefits through a single app. Kota also offers an embeddable API for HRIS and payroll platforms. Regulated by the Central Bank of Ireland and FCA-authorised in the UK. Founded 2022, Dublin. Kota serves HR, People, and Finance teams at modern companies who want to automate health insurance, pensions, life assurance, and flexible benefits across the UK and Ireland (with global health coverage in 30+ countries). The platform handles quoting, enrolment, renewals, contributions, and provider data sync automatically. Employees control their benefits through the Kota mobile app with human support available. Kota also offers an embeddable API and SDK (Kota Embed) for HRIS, payroll, and EOR platforms that want to offer regulated insurance and pension products natively within their own products. Key differentiators: direct provider integrations (no broker middleman), built-in brokerage and advisory (FCA-appointed representative), automated HRIS-to-provider data sync, real-time enrolment, and a consumer-grade employee app. Notable customers include Remote.com, Carwow, Zoe Health, Tines, Cloudsmith, Swan, and nineDots. Backed by Eurazeo, EQT Ventures, Northzone, and Frontline Ventures ($22.9M total funding, Series A). ## Products - [Health Insurance](https://www.kota.io/health-insurance): Group health insurance setup, quoting, enrolment, and renewals for UK and Ireland teams. Integrated with providers including Vitality, Irish Life Health, and Freedom Health Insurance. - [Pension & Retirement](https://www.kota.io/retirement): Occupational pension scheme setup in minutes. Automated contributions, enrolment, and reporting. Supports Ireland Auto Enrolment compliance. - [Life Assurance](https://www.kota.io/life-assurance): Group life assurance, income protection, and critical illness cover. Automated enrolments via the Kota platform. - [Flexible Benefits](https://www.kota.io/flexible): Customisable flexible benefits packages employees can personalise through the app. - [Flex Spend Card](https://www.kota.io/spend): Employee benefit allowance debit cards with automated controls, reporting, and payroll reconciliation. - [Auto-Enrolment (Ireland)](https://www.kota.io/auto-enrolment): Set up an Auto Enrolment exempt pension scheme in minutes to stay compliant with Ireland's upcoming mandatory workplace pension. ## Pricing - [Pricing](https://www.kota.io/pricing): Per-employee-per-month pricing. Free for employees. Employers pay only for enrolled members. ## Coverage & Availability - [Coverage](https://www.kota.io/coverage): Details on countries and providers available through Kota. Core markets are UK and Ireland with global health coverage in 30+ countries via partners including Allianz Global Care. ## Developers & API - [Kota Embed Overview](https://www.kota.io/embed): Embeddable insurance and pension infrastructure for HRIS, payroll, and EOR platforms. Three integration approaches: Hosted, Embed SDK, and API. - [Getting Started](https://docs.kota.io/getting-started): Introduction to developing with Kota Embed, setup steps, and prerequisites. - [Key Concepts](https://docs.kota.io/key-concepts): Core concepts and terminology for understanding the Kota platform and API. - [Integration Types](https://docs.kota.io/integration-types): Comparison of Hosted, Embed SDK, and API integration approaches with guidance on choosing the right one. - [Hosted Integration](https://docs.kota.io/hosted): Simplest integration path. Redirect users to a fully managed Kota-hosted experience with minimal development effort. - [Embed Integration](https://docs.kota.io/embed): Use the Kota Embed SDK to embed benefits UI components directly into your platform. - [Authentication](https://docs.kota.io/core-components/authentication): Guide to API authentication, API keys, and session tokens for Embed SDK. - [Employer & Employee Management](https://docs.kota.io/core-components/employer-employee-management): Creating, syncing, and offboarding employers and employees via the API. - [API Reference](https://docs.kota.io/api): Full API documentation covering employers, employees, groups, policies, enrolment intents, events, webhooks, and more. - [API Errors](https://docs.kota.io/api-reference/errors): Reference for all API error codes, formats, and troubleshooting. ## Case Studies - [Customer Stories](https://www.kota.io/customers): Overview of Kota case studies and customer logos. - [nineDots](https://www.kota.io/customers/ninedots): How a growing Dublin tech recruitment firm set up health and pension benefits in minutes after struggling with traditional brokers. - [&Open](https://www.kota.io/customers/andopen): How a Series A company improved employee engagement with benefits and automated finance tasks using Kota. - [Cloudsmith](https://www.kota.io/customers/cloudsmith): How Cloudsmith scaled employee benefits as the team grew, using Kota to manage multiple benefit types. - [Swan](https://www.kota.io/customers/swan): How an AI startup cut costs vs traditional brokers and gave employees a simple self-serve benefits experience. - [Dogpatch Labs](https://www.kota.io/customers/dogpatch-labs): How Dublin's leading startup hub saved time across HR and finance by switching from brokers to Kota. ## Resources - [Blog](https://www.kota.io/blog): News, product announcements, benefits benchmarking data, and guides on topics including auto-enrolment, global benefits, and occupational pensions. - [Benefits Benchmarking Tool](https://benchmark.kota.io/): Free tool to compare your benefits package against 1,830+ companies in the UK and Ireland, filtered by industry, stage, and region. - [Help Centre](https://help.kota.io/en/): Customer support documentation and FAQs for employers and employees using Kota. - [Series A Announcement](https://www.kota.io/blog/series-a-announcement): Details on Kota's $14.5M Series A, Central Bank of Ireland licence, and expansion plans. ## Company - [Book a Demo](https://www.kota.io/demo): Request a demo of Kota for your company. - [Login](https://my.kota.io/login): Existing customer login.