embedded-insurance
(34)
Akad Seguros puts the broker in the fast lane
The Brazilian insurer bought a running business, then set about removing the waiting. Its bet: better tools can make the insurance broker more useful.
Steadily puts landlord insurance where the landlords already are
A miserable insurance purchase gave Darren Nix an idea. Steadily has since built a business around the places rental property owners already work, from listing platforms to property management software.
Domecile and the $500 reason to stop printing
Two jammed printers helped inspire BoardPackager. Now called Domecile, the company puts New York’s board applications, building documents and a growing collection of home services into one digital workflow.
Sure found its business behind the app
The insurance app was the opening act. The machinery behind it became a business that lets familiar brands sell protection without building an insurance platform from scratch.
Coverdash puts insurance where the work happens
A business rarely wakes up wanting insurance. Coverdash places it inside the tools owners already use, turning an inconvenient errand into part of getting the job done.
Mulberri wants the paperwork out of underwriting
The insurance software company began by helping small businesses buy cover. Now it is tackling the inbox, the spreadsheet and the quiet administrative chores that keep underwriters from underwriting.
Roadzen and the strangely expensive dent
A camera can spot a damaged bumper. Roadzen is betting that the harder, more valuable job is getting the insurer, the driver and the repair shop to agree on what happens next.
The Smart Lock That Became an Insurance Company
Jared Brier and Eric Schneider set out to build a smart lock. The warranty research sent them somewhere stranger: a business that lets a cracked phone, a school laptop and a carrier checkout share the same machinery.
The Insurance Company Hiding in the Checkout
Tint turns a platform’s awkward coverage gap into insurance offered at the precise moment a customer needs it. Its founders learned the problem at Turo; now they sell the machinery, and sometimes the program, to everyone else.
bolttech wants to be inside your next purchase
From a Samsung phone to a BYD car, bolttech puts protection into purchases people already make. Its $2.1 billion valuation rests on making that connection work long after checkout.
Openforce Built the Back Office for the 1099 Economy - Now It Has to Make the Mess Feel Invisible
The Scottsdale company moves $5 billion a year through the unglamorous machinery behind independent work. Its bet: the winner in contractor software is the one that turns paperwork, insurance and payments into one clean trail of proof.
Afficiency Found the $10 Billion Insurance Shortcut: Help the Agent, Skip the Exam
Life insurance’s first digital bet was to remove the agent. Afficiency took the more useful route - remove the paperwork, keep the human, and turn a process measured in weeks into one sitting.
The Insurance Broker That Turned Itself Into an API
Born inside the world's largest independent broker, Mylo spent a decade turning insurance advice into software other companies can plug in. Here is how a Kansas City team quietly became the insurance layer behind small-business platforms.
The Quiet Subscription Empire Behind the Broken Washing Machine
Domestic & General built a billion-pound business around the moment a fridge stops humming. Its real product is not a warranty - it is the network, data and recurring relationship that make an ordinary household crisis fixable.
TruStage
Born to make a borrower's debt die with the borrower, TruStage now spans life insurance, annuities, embedded loan protection and a credit-union stablecoin. Its real product is the bridge between old financial trust and new financial plumbing.
MetLife
The 158-year-old insurer is becoming a three-engine financial platform: workplace benefits, retirement-risk transfer and global asset management - all hidden behind one familiar blue-and-green M.
The Baldwin Group
The Tampa firm grew from a Florida brokerage into a $1.5 billion national platform. Its next act is less about selling policies than connecting advice, underwriting, embedded distribution and AI into one insurance operating system.
Chubb
Chubb can insure a Vermeer, a vineyard, a ransomware attack and the cargo crossing an ocean. Its real product is disciplined judgment - sold through brokers, agents and digital partners across 54 countries and territories.
bolttech
A Singapore insurtech quietly turned the checkout button into an insurance counter. Now 230 insurers and 700 partners run through its pipes.
Curacel
Curacel is an AI-powered insurance infrastructure company building the rails for insurance in emerging markets. Its cloud APIs let insurers automate claims processing and catch fraud, waste and abuse, while its Grow product lets banks, fintechs and e-commerce platforms embed insurance into their own apps. A Y Combinator Winter 2022 company founded in Nigeria, Curacel works with insurers such as AXA Mansard, Old Mutual and Jubilee across roughly ten African markets.
Democrance
Democrance is a Dubai-based B2B insurtech that sells insurers a lightweight, cloud-based core platform - Democrance Pulse - which sits on top of legacy systems rather than replacing them. Founded in 2015 by Michele Grosso, Alberto Perez and Dr. Damian Dimmich, the company began by trying to sell low-cost microinsurance to people in emerging markets who had never held a policy, then discovered that the real bottleneck was the insurers' own technology. Today its no-code product configurator, distribution portals, underwriting engine and API library let carriers including AXA, MetLife, AIG, Manulife, Zurich, Tokio Marine and Sukoon launch and administer life, health and P&C products in days rather than months, across 15-plus markets in the Middle East, Africa, Asia and Latin America. The mainstream book cross-subsidises the microinsurance one, which is how a financial-inclusion mission survives contact with a P&L.
Inclusivity Solutions
Inclusivity Solutions is a Cape Town-based inclusive insurtech that designs and delivers embedded, affordable digital insurance for emerging consumers across Africa. Through its open-API platform ASPin, it partners with banks, telcos, insurers and fintechs to build, sell and administer low-cost products - life, accident, hospital cash, device and crop cover - distributed via mobile channels people already use. The company operates in roughly ten African markets and has served over two million customers.
Peak3
Peak3 (formerly ZA Tech) is a Singapore-headquartered insurtech that builds cloud-native, AI-ready core software for the insurance industry. Its modular platform - spanning policy administration, distribution, claims and orchestration - lets insurers, MGAs and brokers launch and run life, health and property & casualty products across many markets. Founded in 2018 out of Chinese insurtech ZhongAn and rebranded to Peak3 in 2024 alongside a US$35M Series A led by EQT, the company powers global insurers such as AIA, Generali, Prudential and Zurich, and embedded-insurance programs for digital platforms including Grab, Klook, Lazada and PayPay. Its software has supported over a billion policies across 20-plus countries.
PolicyStreet
PolicyStreet is a Malaysia-based, full-stack insurtech group that makes insurance simpler and more accessible across Southeast Asia and Australia. Founded in 2016 and operating under holding company Polisea, it works with more than 40 life, general and Takaful providers to deliver embedded insurance, employee benefits, gig-worker protection, financial advisory and an online insurance marketplace through B2B, B2B2C and direct-to-consumer channels. Backed by Khazanah Nasional, Cool Japan Fund and others, it has grown to serve over 10 million customers and turned profitable in 2025.
upcover
upcover is a Sydney-based insurtech turning slow, paperwork-heavy commercial insurance into an instant, digital experience for Australian small businesses, startups and scaleups. Its platform lets a business get a quote by answering as few as two questions, buy cover, receive a certificate of currency instantly and even finance the premium in one click. Through insurance APIs and white-labelled journeys, upcover also lets other brands and platforms embed business insurance directly into their own products. Founded in 2019 and led by co-founder and CEO Skye Theodorou, the company works with around 40 insurers and serves roughly 60,000 businesses.
Arta
Arta is a New York-based commerce technology company that helps the art, luxury, and collectibles market ship, insure, and track high-value and oversized items. Through an API, hosted checkout tools, and a Shopify app, Arta turns a traditionally manual, quote-by-quote logistics process into instant, automated fulfillment - covering everything from parcel to white-glove service across 65+ countries. Its customers include Sotheby's, Bonhams, Phillips, David Zwirner, Artsy, and 1stDibs.
Authentic
Authentic is a New York insurtech building the infrastructure that lets software companies, franchisors, and associations launch their own insurance programs - so-called captives - for the small businesses they already serve. Its 'Captive in a Box' platform handles the parts that normally take years and a team of specialists: underwriting, rate filings, actuarial work, reinsurance, capitalization, regulatory compliance, and claims. Partners such as Mindbody, Restaurant365, PushPress, and theCut can embed tailored coverage for gyms, salons, restaurants, and other Main Street businesses through a single integration, while member businesses can share in the savings when claims run low.
Briza
Briza is a Toronto-based insurtech that started as a unified, API-first platform for small-business commercial insurance - letting agencies, brokers and software platforms quote, bind and pay for policies like BOP, GL, WC and cyber through a single integration. Founded in 2016, the company has since narrowed its focus to carrier API reliability, applying manufacturing-style engineering discipline to reduce failed submissions and slow integrations that cost carriers premium.
CoverForce
CoverForce is a New York-based insurtech building the digital infrastructure that connects commercial insurance carriers, agencies, and wholesalers. Its API marketplace and white-label platforms let brokers instantly quote, compare, pay, bind, and issue commercial policies - collapsing month-long, paper-based workflows into minutes across lines like workers' compensation, general liability, cyber, and business owner's policies. Backed by Insight Partners and Nyca Partners, the company supports thousands of agencies and integrates with national carriers including AmTrust, Chubb, Liberty Mutual, and Travelers.
CoverGo | Insurtech
CoverGo is a global enterprise insurtech that gives insurers, MGAs, and brokers a no-code, API-first platform to build, distribute, administer, and process insurance products across life, health, and P&C lines. Founded in Hong Kong in 2017 by Tomas Holub, it runs on 500+ open insurance APIs and a patented drag-and-drop product builder, letting carriers launch new products in hours rather than months and modernize legacy core systems without ripping them out. Customers include AXA, Bupa, MSIG, Dai-ichi Life, and Bank of China Group Insurance, served from offices across Silicon Valley, New York, Dubai, Singapore, and Hong Kong.