Baozhunniu

China's big data-powered platform for customized insurance products targeting niche and emerging market segments

Specialty Solutions Growth Series C+

Overview

Baozhunniu (保准牛) is a Beijing-based insurtech platform specializing in customized insurance products for niche and fragmented consumer markets in China. Founded in August 2015 and legally registered as Beijing Youquan Zhihui Information Technology Co., Ltd., the company applies big data and AI technology to design and deploy insurance products tailored for emerging economy segments -- shared economy, sporting events, gig workers, food delivery, and employer risk -- that traditional insurers have historically overlooked.

Operating a B2B2C model, Baozhunniu licenses its platform to insurers and distribution partners, who embed white-label products directly in their customer journeys. The company claims to have served over 500 sporting events and organizations, and more than 3,500 enterprise clients as of 2017, with notable platform customers including ofo, Baidu Waimai, and 58 Express. As of January 2026, the company announced an "insurance full-stack AI ecosystem" integrating AI across underwriting, risk assessment, and claims processing.

Baozhunniu has raised three rounds of funding totaling approximately USD 18.5M from investors including Marathon Venture Partners, Matrix Partners China, China Merchants Innovation Investment Fund, Ally Capital, and Huazhi Capital.

Products & Services

Baozhun Innovation Customization

Tailored insurance products for new economy sectors including shared economy platforms, O2O, medical aesthetics, and education. Enables internet platforms to embed insurance within their services.

Key Features

Custom product design for fragmented consumer scenarios
White-label embedding for internet platforms
Big data-driven risk pricing

Target Users: Internet startups, sharing economy operators, O2O platforms

Baozhun Employer (雇主保)

Enterprise employment risk solutions covering workplace injury, group accident, and employer liability. Designed for manufacturing and service industries.

Key Features

Coverage for 400+ million workers across Chinese industries
One-stop employer risk management
HR platform integration

Target Users: Employers, HR platforms, staffing companies

Baozhun Sports

Insurance products for sports events, athletes, organizers, spectators, and performers covering 280+ sports activities.

Key Features

Specialized coverage for amateur and professional sports
Event organizer liability
Athlete personal accident coverage

Target Users: Sporting event organizers, sports clubs, institutions

Baozhun Health

Individual and family health insurance with an integrated "medicine + insurance" model.

Key Features

Short-term personal accident and health products
Fitness platform integrations
Medical services integration

Target Users: Individual consumers, fitness platforms, health apps

Study Abroad Insurance (卓越留学安心保)

Customized insurance products for Chinese students studying abroad.

Target Users: Students, educational institutions

At a Glance

Founded: 2015
Headquarters: Beijing, China
Funding: Series C+

Category & Focus

Category: Specialty Solutions
Subcategories: Embedded Insurance Customized/Niche Product Design Employer Risk Solutions
Insurance Verticals: P&C Personal P&C Commercial Workers Compensation Specialty/E&S Group Benefits
Target Customers: Carriers, Employers, Consumers