Insurance & Risk

At-Bay is a cyber insurance company that combines coverage with ongoing cybersecurity services, positioning itself as an 'InsurSec' company rather than a traditional insurer. Like Coalition, At-Bay provides active risk monitoring to policyholders — continuous scanning of external-facing infrastructure to identify vulnerabilities that could lead to claims. The platform's risk scoring integrates security posture data directly into underwriting decisions, rewarding businesses with stronger security with more competitive premiums. Technology E&O coverage is available alongside cyber insurance for technology companies whose products could cause third-party losses due to software failures. At-Bay's claims response team includes in-house cybersecurity incident responders who provide immediate technical assistance when claims occur. Coverage includes ransomware, business email compromise, data breach, business interruption, and regulatory fines. At-Bay's underwriting model uses data from internet scanning, threat intelligence, and policy history to price risk more accurately than traditional questionnaire-based approaches. The company serves businesses across financial services, healthcare, retail, technology, and professional services. At-Bay has consistently ranked among the top cyber insurers by policyholder satisfaction, reflecting its proactive service model.

Boost Insurance is an insurance infrastructure platform that provides the back-end systems, carrier relationships, and regulatory infrastructure needed to launch and operate digital insurance products. The platform serves Managing General Agents (MGAs), insurtechs, and companies looking to embed insurance into their products without building full-stack insurance capabilities. Boost handles carrier relationships, rate filing, policy administration, billing, claims, and reinsurance — allowing partners to focus on customer experience and distribution. The platform's modular API design enables partners to plug specific components into their existing systems or build complete insurance programs from scratch. Coverage lines available through the Boost platform include cyber, rental/sharing economy, pet insurance, D&O, professional liability, and tenant insurance. The compliance infrastructure covers all 50 US states for licensed products, eliminating the multi-year regulatory approval process that new MGA entrants typically face. Boost's reinsurance relationships provide the capacity backing that new insurance programs require but struggle to secure independently. For fintech companies, platforms, and MGAs seeking to add insurance products without multi-year buildouts, Boost provides the fastest path from concept to live insurance product.

Branch Insurance is a direct-to-consumer home and auto insurance company built around a community-based risk sharing model, where groups of neighbors or affinity networks pool together to access discounted rates. The concept draws on mutual insurance principles — when members of a community claim less, everyone in that community benefits from lower rates in subsequent terms. Branch's digital platform enables instant online quoting and binding for bundled home and auto coverage, with the bundling discount and community sharing model producing rates claimed to be among the most competitive in covered states. The insurance product itself covers standard homeowners and auto perils with competitive coverage terms. Community joining is automated — policyholders are matched with community pools based on location and risk profile. The mobile app provides policy management, claims filing, and community performance tracking. Branch operates in select US states with expansion ongoing. The company is backed by significant venture investment. For homeowners and drivers seeking bundled coverage at competitive rates with a differentiated community model, Branch provides a compelling alternative to traditional direct carriers. The community model's discount potential creates a natural referral incentive, driving organic customer acquisition.

Coalition is the largest provider of cyber insurance in the US, combining comprehensive cyber coverage with an active cybersecurity risk monitoring platform that helps policyholders reduce the likelihood of claims. The active security approach is Coalition's key differentiator: policyholders receive access to Coalition Control, a continuous security scanning tool that monitors internet-facing assets, identifies vulnerabilities, and alerts businesses to emerging threats — often before attackers exploit them. Coalition claims this active risk management reduces claims frequency significantly among its policyholders. Cyber insurance coverage includes first-party costs (incident response, forensics, business interruption, ransomware payments) and third-party liability (regulatory fines, notification costs, credit monitoring for affected individuals). Coverage limits reach $15 million for qualifying businesses. Claims support provides 24/7 incident response with Coalition's in-house security team and legal counsel. Coalition's automated underwriting leverages security scan data to price risk accurately, often enabling competitive premiums for businesses with stronger security postures. Ransomware response capabilities include negotiation support and decryption assistance. Coalition has processed over $1 billion in cyber premiums and serves over 250,000 policyholders across all industries.

Corvus Insurance is an AI-driven commercial insurance company offering cyber, technology E&O, and cargo insurance through a proprietary smart commercial insurance platform. Acquired by Travelers Companies in 2024, Corvus brings sophisticated AI underwriting capabilities to one of the world's largest insurers. The Corvus platform's CrowBar scanning tool continuously monitors policyholders' external-facing infrastructure for vulnerabilities, providing proactive alerts and security recommendations that reduce claims frequency. Cyber coverage includes ransomware, business email compromise, data breach response, business interruption, and cyber extortion with limits up to $15 million. Technology E&O coverage protects technology companies from third-party claims arising from software failures, service outages, or data handling errors. Cargo insurance provides supply chain risk coverage with dynamic premium adjustment based on route risk factors. The claims process is supported by a 24/7 incident response team with specialized cyber forensics and legal counsel. Distribution is exclusively through appointed brokers and agents. The Travelers acquisition provides enhanced financial backing and expanded distribution reach. For mid-market companies seeking a technologically sophisticated insurer with proven cyber claims handling capabilities, Corvus/Travelers provides enterprise-grade security expertise.

Counterpart is a specialty insurtech company focused exclusively on management liability insurance — D&O (Directors & Officers), EPLI (Employment Practices Liability), and Fiduciary coverage — for private companies and nonprofits. The company's underwriting expertise in the management liability space enables faster, more accurate pricing compared to carriers that treat management liability as a secondary line. Counterpart's digital platform generates binding quotes in minutes for companies that qualify for its standard programs, versus the weeks-long process at traditional carriers. Coverage is designed for private companies at growth stages where D&O exposure is increasing due to VC investment, key employment decisions, and eventual exit planning. Employment practices liability coverage addresses the growing frequency of workplace-related claims including discrimination, harassment, and wrongful termination. Fiduciary liability protects plan administrators from claims related to employee benefit plan management. The claims management process is supported by specialized legal counsel partnerships. For startups that have raised institutional capital and need proper management liability coverage — increasingly required by investors in financing agreements — Counterpart's startup-friendly underwriting and digital speed provide a meaningful improvement over traditional broker-sourced options.

Cowbell is an AI-powered cyber insurance company that uses its proprietary risk assessment platform, Cowbell Factors, to analyze hundreds of cyber risk signals and generate precise pricing for small and mid-market businesses. The platform's continuous assessment approach updates risk scores as a business's security posture changes throughout the policy period — a dynamic model that enables more accurate pricing and better-aligned incentives for risk improvement. Cowbell Prime 100 and Prime 250 product lines provide comprehensive cyber coverage including ransomware, data breach, business interruption, cyber extortion, and social engineering for businesses up to $250M in revenue. The Cowbell Risk Insights portal gives policyholders access to their risk assessment data, recommended security improvements, and benchmark comparisons against similar companies — creating tangible value beyond the insurance contract. Distribution is through independent agents and brokers. Cowbell's focus on AI-driven underwriting speed has enabled binding decisions in hours rather than the days or weeks traditional cyber applications require. The platform serves businesses across healthcare, professional services, retail, manufacturing, and technology, with particularly strong penetration in the SMB market where cyber coverage was historically underutilized.

Embroker is a digital commercial insurance platform that modernizes the traditionally slow and opaque process of obtaining business insurance by combining online quoting, a digital brokerage model, and a curated marketplace of top-rated carriers. The platform serves technology companies, startups, law firms, financial advisors, and other professional services businesses with tailored coverage options. Embroker's proprietary application process uses data-driven underwriting to generate competitive quotes from multiple carriers simultaneously, enabling policy selection based on price, coverage, and carrier ratings. Coverage types include tech E&O, cyber liability, D&O, EPLI, general liability, professional liability, and management liability. The digital policy management system centralizes all coverage documents, renewal reminders, and certificate of insurance generation in one place. Dedicated brokers are available for complex coverage questions. Embroker's startup package bundles common coverage needs at discounted rates. COI (Certificate of Insurance) generation is instant, addressing the frequent demand from clients and investors. The platform is backed by prominent investors and has processed hundreds of millions in premiums.

Hippo is a home insurance company that differentiates through proactive home protection — providing policyholders with smart home monitoring devices and preventative maintenance services designed to prevent claims before they occur. The platform uses data from smart home sensors, publicly available property records, and aerial imagery to underwrite policies with greater accuracy and to identify maintenance issues before they become costly claims. Coverage is more comprehensive than traditional homeowners policies, with extended replacement cost coverage, personal property based on replacement value, home office equipment, and appliance coverage built into standard offerings. The online quoting process is fast — binding quotes are generated in under 90 seconds using public data without requiring extensive questionnaires. Hippo's proactive home care service connects policyholders with vetted home maintenance professionals for inspections and repairs. The company transitioned to a Managing General Agent model, working with carrier partners rather than bearing all underwriting risk directly. Claims are handled digitally with contractor network support for repairs. Hippo is available in 40+ states. The proactive protection model represents a fundamental rethinking of the insurer relationship — from reactive claims payer to active partner in home maintenance and risk prevention.

Hiscox is a specialist insurance carrier with over 100 years of history, offering small business insurance through a fully digital platform that maintains the underwriting depth of a traditional specialist insurer. The company focuses on professional services businesses — consultants, IT contractors, accountants, architects, HR professionals, and other knowledge workers — where professional liability (E&O) coverage is particularly important. Hiscox's digital quoting system covers 180+ professions with industry-specific policy terms and coverage limits. The 24/7 online quote process allows business owners to bind coverage at any hour without waiting for broker office hours. General liability, professional liability, cyber insurance, business owner's policies, and workers' compensation are available. Hiscox's flexible payment options — monthly or annual — and the ability to pay by credit card differentiate it from carriers that require annual lump-sum premiums. Claims are handled directly by Hiscox's team of specialists. The company's financial strength ratings (AM Best A rating) provide confidence in claims-paying ability. Annual premium discounts reward businesses that pay upfront. Hiscox serves over 600,000 small business customers globally and is particularly strong for professional services firms seeking specialist underwriting expertise.

Insurify is an AI-powered insurance comparison platform that enables consumers and small businesses to compare quotes from multiple carriers simultaneously for home, auto, renters, and life insurance. The platform's proprietary AI engine, Evia, analyzes policyholder data to generate accurate quotes from 100+ insurance partners without requiring separate applications on each carrier's site. The comparison interface presents results with clear coverage comparisons, customer review scores, and financial strength ratings — enabling informed decisions beyond simple price comparison. Insurify's data shows it can surface savings of $500+ per year for users who switch carriers, reflecting the significant pricing variation across insurers for similar risk profiles. The referral model connects users with binding quotes on carrier platforms or agent networks. Business insurance comparison is available for general liability and commercial auto. Insurify's AI continuously improves quote accuracy by learning from accepted and declined applications across its carrier network. The platform has processed over 90 million real insurance quotes. For insurance buyers who want to ensure they're receiving competitive market rates without engaging multiple brokers or submitting repetitive applications, Insurify's comparison engine provides efficient market access.

Kin Insurance is a direct-to-consumer homeowners insurance company specializing in difficult-to-insure markets — particularly Florida, Louisiana, and other coastal states where many traditional carriers have withdrawn or drastically reduced availability due to climate-related losses. Kin's technology-driven underwriting uses thousands of data points including satellite imagery, government records, permit data, and weather exposure to price properties accurately without requiring lengthy home inspections. This data-intensive approach enables Kin to identify well-maintained, lower-risk properties within high-exposure areas and offer competitive coverage where traditional carriers apply blanket restrictions. Coverage includes dwelling, personal property, liability, and living expenses, with options for hurricane, flood referrals, and valuables. The direct model eliminates agent commissions, keeping premiums competitive in markets where alternative coverage has become extremely expensive. Customer service is US-based with digital-first claims handling. Kin's reciprocal exchange structure shares underwriting risk with policyholders as members, aligning interests between insurer and insured. The company has grown rapidly in Florida where market contraction has created significant demand for reliable carriers willing to write coastal property. Best suited for homeowners in high-risk coastal markets struggling to find adequate, affordable coverage from withdrawing traditional carriers.