# Christopher Lotz

> Christopher Lotz is the cofounder and CEO of Goodcover, a San Francisco insurance company built around a member-oriented model for renters coverage. After roughly a decade underwriting yachts and helping AIG develop watercraft insurance across international markets, he turned to a much broader problem: renters who were uninsured or poorly served by slow, opaque products. Goodcover joined Y Combinator in 2017, launched in California in 2020, raised a $7.5 million Series A, and has since pursued wider distribution, tighter claims technology, and greater participation in its own underwriting results.

- **Role:** Cofounder and CEO at Goodcover
- **Organizations:** Goodcover, AIG, Y Combinator
- **Education:** New York University
- **Known for:** Cofounded Goodcover and participated in Y Combinator's Summer 2017 batch., Secured regulatory approval to launch Goodcover in California in 2020., Raised a $7.5 million Series A led by Goodwater Capital in 2020.

## Career timeline

- **2008** — Began working in yacht underwriting at AIG.
- **2009-2016** — Worked in Asia-Pacific yacht and watercraft underwriting, helping develop operations across markets including Singapore, Hong Kong, and Sydney.
- **2016-2017** — Served as AIG's senior yacht underwriter for the Pacific region in San Francisco.
- **2017** — Cofounded Goodcover with Daniel Di Spaltro and joined Y Combinator's Summer 2017 batch.
- **2020** — Launched Goodcover renters insurance in California and announced a $2 million seed round.
- **2020** — Returned Goodcover's first member dividend, equal to 1.89% of eligible premiums.
- **2020** — Raised a $7.5 million Series A led by Goodwater Capital.
- **2022** — Expanded Goodcover into Texas, Arizona, and Nevada.
- **2023** — Launched Goodcover Auto and publicly addressed pricing and coverage changes in a difficult property-insurance market.
- **2026** — Outlined a new growth phase with Accelerant focused on distribution, risk participation, and the claims experience.

## Achievements

- Cofounded Goodcover and participated in Y Combinator's Summer 2017 batch.
- Secured regulatory approval to launch Goodcover in California in 2020.
- Raised a $7.5 million Series A led by Goodwater Capital in 2020.
- Implemented an annual member-dividend mechanism, returning 1.89% of eligible premiums in 2020 and 1.93% in 2021.
- Expanded Goodcover beyond California into Texas, Arizona, and Nevada by 2022.
- Helped launch yacht and watercraft insurance operations across Asia during his AIG career.

## Latest updates

- **2026-05** — Goodcover described a new phase with Accelerant that includes greater risk participation, new distribution partnerships, and closer integration of claims technology.
- **2023-10** — Lotz published a detailed member update on premium increases, coverage changes, and Goodcover's plans for broader rollout.
- **2023-08** — Goodcover launched Goodcover Auto, a marketplace-scanning service for car insurance options.

## Links

- Website: https://goodcover.com
- LinkedIn: https://www.linkedin.com/in/chrislotz
- Twitter/X: https://twitter.com/chrisplotz
- GitHub: https://github.com/goodcover
- Facebook: https://facebook.com/GoodcoverCo/

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Profile page: https://yespress.io/christopher-lotz
Published by YesPress — https://yespress.io
Last updated: 2026-08-18