direct to consumer distribution

AI-native U.S. homeowners insurance platform combining direct-to-consumer digital distribution, IoT-sensor-enabled proactive loss prevention, and its own admitted carrier (Spinnaker) for in-house underwriting.

traction

4/5

maturity

4/5

coverage

2/5

recognition

2/5

Seattle-based pet medical insurance carrier operating across the U.S., Canada, Australia, and Puerto Rico, publicly listed on NASDAQ as TRUP, and the only North American pet insurer with patented direct-pay-at-vet software (Trupanion Express / VetDirect Pay) that integrates into practice management systems to settle claims directly with veterinary hospitals at time of checkout, typically in under five minutes.

traction

2/5

maturity

5/5

coverage

n/a

recognition

2/5

London-based pet insurance MGA and carrier group, founded in 2012 as Bought By Many and rebranded to ManyPets in 2021, writing direct-to-consumer cat and dog medical policies through its own UK-facing carrier structure (via Wakam partnership since 2023), with AI-driven claims automation branded 'Millie' that handles roughly 45% of UK claims end-to-end. Achieved UK profitability for the first time in FY2024/25 (£6.25M net profit on £232M GWP) after exiting both Sweden (2023) and the US (2024/25, customers transitioned to Odie).

traction

1/5

maturity

4/5

coverage

n/a

recognition

4/5

AI-native US small-commercial insurance carrier, now ERGO NEXT, selling general liability, workers' compensation, commercial auto, professional liability and BOP directly to small businesses through a fully digital quote-bind-manage flow. Acquired by Munich Re's ERGO in July 2025 for $2.6 billion in the largest insurtech P&C deal on record.

traction

2/5

maturity

4/5

coverage

2/5

recognition

3/5

AI-native multi-line insurance carrier (renters, homeowners, pet, life, auto) operating its own admitted U.S. carrier plus a Dutch EU insurer, publicly listed on NYSE as LMND, known for the Maya conversational underwriting bot, the AI Jim claims bot, and a customer-directed 'Giveback' donation model.

traction

2/5

maturity

4/5

coverage

3/5

recognition

2/5

Carmel, Indiana-based specialty travel insurance managing general underwriter (MGU) founded in 1993 as Specialty Risk International and rebranded to Seven Corners in the mid-2000s; designs, prices, sells, and administers travel medical, trip protection, expatriate, visitor, and student travel plans underwritten on paper from United States Fire Insurance Company (Crum & Forster), Certain Underwriters at Lloyd's London, Nationwide, Virginia Surety, and other carriers, and also administers U.S. Department of State Exchange Visitor medical benefits.

traction

2/5

maturity

5/5

coverage

1/5

recognition

3/5

AI-native US auto insurance carrier that prices risk primarily from mobile-phone telematics — measuring real driving behaviour (braking, turning, phone distraction, mileage) — and distributes directly to consumers plus via embedded partnerships with Carvana and Hyundai Capital America.

traction

2/5

maturity

4/5

coverage

2/5

recognition

2/5

AI-native US digital life insurance platform that automates term, whole, and indexed universal life underwriting without medical exams, distributing through a three-sided marketplace of consumers, agents, and carrier partners.

traction

2/5

maturity

4/5

coverage

1/5

recognition

3/5

Digital term life insurance MGA that issues fully underwritten policies online in minutes, operating as agent/administrator for carriers including Allianz Life, Fidelity Security Life, Amica Life, and S.USA Life.

traction

2/5

maturity

4/5

coverage

1/5

recognition

2/5

U.S. digital renters insurance and security-deposit-alternative MGA originally launched direct-to-consumer in 2015 and since pivoted to a B2B2C distribution model through property managers; merged with Rhino in February 2025 to form the largest security-deposit insurance platform in the U.S. rental housing market, with Jetty Protect renters policies backed by State National Insurance Company (a Markel subsidiary reinsured by Munich Re/Farmers) and sold exclusively through partnered apartment communities.

traction

2/5

maturity

4/5

coverage

1/5

recognition

2/5

AI-native, direct-to-consumer US homeowners carrier operating reciprocal exchanges in Florida and other catastrophe-exposed states, pricing hurricane and wildfire risk at property level from thousands of data signals.

traction

1/5

maturity

4/5

coverage

1/5

recognition

2/5