Olio is a B Corp–certified sharing app focused on helping communities give surplus items a second life. Built around a mission of helping people and the planet, their model is as inspiring as it is unique — combining food handling, volunteer networks, and rapid international growth into one ambitious and fast-moving operation.
As Olio prepared to scale, they needed an insurance programme that truly reflected the complexity of their business. With a high number of volunteers counted within their headcount and responsibilities as food controllers, they required a broker that could go beyond surface-level cover and engage meaningfully with the finer nuances of their model.
Following a venture capital audit, Olio was introduced to Capsule via Octopus Ventures, who recognised our expertise in ESG-aligned insurance solutions for VC-backed businesses. Rather than rushing straight to market, we invested time across multiple meetings to get properly under the skin of Olio's operations — asking deeper questions around volunteer activity, food-handling durations, and the emerging risks tied to their ambitious global growth plans.
By partnering with Capsule, Olio took a more strategic and considered approach to risk. Through a genuine understanding of their operations and ESG credentials, we were able to reframe how insurers viewed their risk profile entirely — and the results spoke for themselves.
We redesigned their insurance programme to deliver cover that properly reflects their unique model, while leveraging their B Corp status to unlock meaningful ESG discounts. The outcome was transformative — significantly reduced premiums, expanded coverage, and a solid foundation to support future international growth across exciting new markets.
Want to know exactly how we did it, and what it meant for Olio's bottom line? Read the full case study below to discover how Capsule helps mission-driven businesses get the cover they truly deserve — without ever paying over the odds.
Check it out here!
