Underwriting

AI-native (26)

• Artificial Labs

  AI-native placement and underwriting platform for Lloyd's and specialty (re)insurance — digitises submissions, powers algorithmic smart-follow capacity, and manages portfolio triage inside a broker/carrier workstation.

• At-Bay

  US cyber insurance MGA-turned-full-stack-carrier combining real-time attack-surface risk scoring with bundled Managed Detection and Response (MDR) services for SMB and mid-market policyholders.

• Attune

  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.

  Parent: Pinnacol Assurance (via Cake Insure, Inc.)
• Clearcover

  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).

• Coalition

  Cyber MGA and attack-surface risk platform that automates underwriting via real-time threat intelligence and proprietary loss data, issuing policies without human underwriters.

• Corvus Insurance

  AI-native US cyber insurance MGA acquired by The Travelers Companies (NYSE: TRV) in January 2024 for $435M. Now operates as 'Corvus by Travelers', writing Smart Cyber Insurance powered by the CrowBar underwriting platform and proprietary attack-surface risk scans.

  Parent: The Travelers Companies, Inc.
• Counterpart

  AI-native US managing general agent (MGA) for small and mid-market management and professional liability — Directors & Officers, Employment Practices, Fiduciary, Crime and Miscellaneous Professional Liability — backed by A-rated capacity from Markel, Aspen and Westfield Specialty, with AI-driven submission intake, underwriting and claims.

• Cytora

  Risk digitisation and automation platform for commercial insurance. Gives brokers, insurers, and reinsurers programmatic control over how they receive, digitise, and decision inbound risk from trading partners. Acquired by Applied Systems in 2025.

  Parent: Applied Systems
• Descartes Underwriting

  Paris-headquartered parametric MGA and underwriting-tech group writing climate, natural-catastrophe, cyber, and emerging-risk policies on behalf of tier-one carriers, with index-based payouts designed to settle within weeks.

• Ethos Life

  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.

• Federato

  AI-native RiskOps platform unifying submission intake, underwriting decisioning, and portfolio management on one system. Pitched to carriers and MGAs as an alternative to stitching spreadsheets, PAS, and pricing engines.

• FloodFlash

  London-headquartered parametric commercial flood insurance MGA and Lloyd's coverholder writing sensor-triggered, fixed-payout flood cover for SMEs, mid-market property, and specialty risks in the UK and US, using its own IoT ultrasonic depth sensors installed at the insured property and capacity from Munich Re and Hiscox; acquired by NormanMax Insurance Holdings in February 2025 (FCA approval granted April 2025) to sit alongside NormanMax's parametric wind programme on Lloyd's Syndicate 3939.

  Parent: NormanMax Insurance Holdings, Inc.
• Gradient AI

  AI-native insurance analytics SaaS for US workers' compensation, group health (including medical stop-loss), and P&C. Sells risk-scoring models and claims-prediction products built on a proprietary data lake of tens of millions of policies and claims; deployed at The Builders Group, AmFed, Allied National, BTIS, Signal Mutual, Skyward Specialty, and others. Boston HQ, spun out of Milliman in 2018.

• Hippo Insurance

  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.

• Jetty

  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.

  Parent: Rhino (combined Rhino+Jetty entity)
• Jumpstart Insurance

  California-founded parametric earthquake insurance MGA and surplus-lines broker writing text-triggered, fixed-payout ($10,000 consumer / $20,000 small business) earthquake cover in California, Oregon, and Washington off USGS ShakeMap peak ground velocity, originally backed by Channel Syndicate 2015 at Lloyd's through AmWINS and acquired by Neptune Flood in October 2021.

  Parent: Neptune Insurance Holdings Inc. (NYSE: NP)
• Kin Insurance

  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.

• Ladder

  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.

• Lemonade

  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.

• ManyPets

  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).

  Parent: EQT Growth (lead), with Willoughby Capital, FTV Capital, Octopus Ventures, CommerzVentures, Munich Re Ventures
• NEXT Insurance

  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.

  Parent: Munich Re (via ERGO Group AG)
• Pie Insurance

  AI-native US small-commercial carrier writing workers' compensation as its primary line, with proprietary underwriting and pricing technology built to quote small businesses in minutes through independent agents.

• Root Insurance

  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.

• Shepherd

  AI-native managing general underwriter (MGU) writing commercial casualty — general liability, commercial auto, workers' compensation, excess liability — for US construction contractors, with underwriting automation built on data feeds from Procore, Autodesk and other construction software.

• Sixfold

  AI brain for commercial underwriting. Automates and augments submission review so underwriters spend time on winnable risks; deployed in production at AXIS Capital, Zurich, Generali, Mosaic, and Skyward Specialty. $30M Series B (Jan 2026) with Guidewire and Salesforce Ventures participating.

• Vouch

  US business insurance platform for venture-backed technology, life-sciences and professional-services startups — D&O, cyber, E&O, EPL, business property and general liability — originally built as a digital MGA with Munich Re capacity, expanded into its own licensed carrier in 2021, and reorganized in 2025 when the Corix MGA and Vouch Insurance Company were sold to Hiscox while Vouch Inc. became a standalone broker.

Modern SaaS (3)

• Appulate

  Commercial-lines submission exchange connecting retail agents to carriers, MGAs, and wholesalers. Pushes ACORD and supplemental data from agency management systems into carrier rating and underwriting systems.

• Seven Corners

  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.

• Trupanion

  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.

Legacy

No tools on this generation yet.