insurtech
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Tenity puts fintech in the room where banks buy.
A startup needs capital. A bank needs a reason to trust it. Tenity has built a business around getting both sides to work on the same problem.
Accelerant puts risk on the same page.
Specialist underwriters know their markets. Capital providers have the money. Accelerant is building the exchange that helps them understand each other.
Rex turns property problems into products
A vacant apartment. A missed call. An unpaid invoice. Rex builds software around the everyday friction of running real estate - and tests it on its own properties first.
FatBrain wants your business to learn from its neighbors
FatBrain built its AI pitch around a simple idea: a small business should learn from businesses like it. Its insurance tools show the appeal. Its acquisition history shows the cost of getting bigger.
Cover Genius and the art of being there
A rental-car insurance problem became a business inside other people’s businesses. Now Cover Genius is taking the same idea from the checkout screen into the AI conversation.
Kin bets on the house. Even here.
The home insurer went looking for customers in catastrophe country. Its wager: a better picture of each house can change the price of protecting it.
Excellarate made a business of the hard parts
Pharmacy systems. Insurance workflows. Software that has to keep working while it changes. Excellarate built its business inside these awkward problems, then became part of a much bigger engineering story.
Porch found the business inside the house
A home inspection is a report for the buyer. For Porch Group, it is also the beginning of an insurance business built on knowing the house before the policy is written.
Coalition wants the claim that never happens
An insurance policy usually waits for disaster. Coalition pairs the policy with people and software paid to help keep disaster away.
NEXT Insurance and the price of simple.
A certificate can stand between a contractor and a paycheck. NEXT built a business around removing that friction, then learned how much capital simplicity requires.
iPipeline found a business in the paperwork
An insurance agent’s frustration became software connecting carriers, advisers and customers. Three decades later, iPipeline is still working on the distance between “yes” and a policy in someone’s hands.
Hippo Insurance learned to price the storm.
Hippo set out to make home insurance faster and more useful. The harder invention was a business that could live with the weather.
The right person. The right policy. The handoff in between.
Healthcare.com built a business around finding health insurance. Its next bet is that choosing who helps you buy it matters just as much.
Signal Advisors makes the wait disappear
A financial advisor can win the client and still wait weeks to get paid. Signal Advisors built its business around closing that gap - then went after the rest of the paperwork.
Marshmallow lets your driving history cross borders
A move to Britain should not erase years behind the wheel. Marshmallow built a business around that small, expensive misunderstanding - and is taking the same idea into lending.
Bowtie made insurance a buying decision
Two actuaries removed the sales commission and the savings pitch. Then came the harder job: persuading Hong Kong to trust an insurer it could buy from a browser.
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.
Finnovista knows who your fintech needs to meet
A fintech can have clever code and still be missing the right introduction. Finnovista has built a business around that gap, pairing early investment with the people, research and partnerships that help financial startups get moving.
Pie Insurance: Three minutes to quote. Years to get the maths right.
Pie made small-business workers’ comp quicker to buy. Its harder experiment was learning how to price the risk, keep the agent, and survive without another cheque.
DPL Financial Partners took the commission out. The annuity got interesting.
A retirement product with a sales problem meets a company with a distribution plan. DPL is making commission-free annuities easier to compare, buy and manage - and has passed $6 billion in assets under administration.
Olé Life put insurance online. The agents stayed.
A ten-minute application is the easy part. Olé Life’s more interesting wager pairs dollar-denominated protection with thousands of distributors and insurers who know the local rules.
SmartPay Makes the Insurance Bill Follow the Work
An insurance agency built a better way to collect premiums. Its customers wanted the machinery - and SmartPay found a business in making the bill keep up with payroll.
Sensa wanted your insurance to arrive before the paperwork
A doctor’s idea became an auto policy built around the first minutes after a crash. Sensa’s short American journey shows how much machinery sits behind the simple promise of help.
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.
Hosta AI turns a damaged room into a repair estimate
A few phone photos can spare a water-damage claim a long appointment with bureaucracy. Hosta AI, now operating as Elara Spatial, has built its business around making those pictures useful.
The Demex Group bets on the storms too small to ignore
One hailstorm can slip beneath an insurer’s catastrophe cover. A year of them can eat its earnings. Demex builds reinsurance for the dangerous arithmetic in between.
Connie Health wants Medicare to feel local again
Connie Health pairs Medicare comparison technology with agents who know the neighborhood. Its growing acquisition business puts an old-fashioned promise to the test: someone will still be there after you enroll.
Luzern Risk wants you to own the insurer
Your company understands its risks. Why should someone else keep all the underwriting upside? Luzern Risk pairs captive-insurance expertise with software to make insurance ownership easier to run.
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.
OpenEyes wants to insure the accident that never happens
A fleet insurance company is putting its money on the moments before a crash. OpenEyes pairs commercial auto coverage with driver alerts and coaching, hoping fewer claims will make the arithmetic kinder.