embedded distribution

US small-commercial digital MGA and broker platform serving agents with instant-quote BOP, workers' compensation, general liability, professional liability and excess policies in all 50 states. Originally a 2016 joint venture of AIG, Hamilton Insurance Group and Two Sigma — not Hartford — now a wholly owned subsidiary of Pinnacol Assurance via its digital MGA arm Cake Insure, after Coalition acquired Attune in October 2021 and resold it in January 2023.

traction

2/5

maturity

4/5

coverage

2/5

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 US personal auto carrier, Chicago-based, differentiated on API-first embedded distribution and ClearAI-powered expedited claims (initial payment in as little as 7 minutes).

traction

1/5

maturity

4/5

coverage

1/5

recognition

2/5