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Joshu

Launch better insurance products faster

Distribution & Sales Startup Seed ($3.7M)
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Overview

Joshu is a no-code insurance product development and distribution platform that enables carriers and managing general agents (MGAs) to build, launch, and manage digital insurance products in under 100 days. The cloud-native, API-first platform replaces legacy product development workflows with a modern approach where insurance professionals can configure products from native Excel files, automate underwriting, and distribute through branded portals and marketplace APIs without writing code.

Founded in 2020 by Roy Mill and Shimi Bornstein, both veterans of cyber insurance InsurTech At-Bay, Joshu was built with deep insurance domain expertise. Mill previously served as VP of Product at At-Bay and held product management roles at Ancestry, while Bornstein led R&D at At-Bay and brings engineering experience from Infinidat and Intucell. The platform was designed to be easy to use, completely self-serviced, and aligned with the expectations of modern insurers.

Joshu has gained recognition as a fast-moving InsurTech, being named to the InsurTech100 list in 2024. The company's "Century Club" celebrates customers who launch products in under 100 days, with several achieving go-live in as few as 45 days. In December 2025, Joshu joined the AAIS Partner Program, and in August 2025, the company partnered with Herald to integrate multi-carrier quoting with its distribution platform.

Products & Services

Product Builder

No-code platform for creating and configuring digital insurance products from native Excel files.

Key Features

  • Upload native Excel rate files without special formatting
  • Configure coverage limits, deductibles, eligibility criteria, and payment plans
  • Test and analyze product changes against existing business before launch
  • Deploy products to market with a single click
  • Three implementation models: Professional Services, Hybrid, and DIY

Target Users: Product managers, Underwriters, Actuaries

Underwriting Automation

Automated underwriting workflows that eliminate manual processes and reduce dependence on large underwriting teams.

Key Features

  • Rules-based automated underwriting
  • Third-party data source integration
  • Real-time quoting and binding
  • Configurable eligibility and compliance rules

Target Users: Underwriters, Operations teams

Distribution Platform

Multi-channel distribution system with branded portals and API connectivity.

Key Features

  • Branded broker portals set up in 15 minutes
  • Direct-to-consumer portals
  • Automatically generated marketplace APIs with each product
  • Integration with Herald's API for access to 60+ commercial insurance lines
  • Developer-friendly documentation dynamically updated per product

Target Users: Distribution managers, Broker partners, IT teams

Policy Administration

Digital policy lifecycle management for quotes, binding, issuance, and endorsements.

Key Features

  • Quote-to-bind automation
  • Policy document generation
  • Endorsement and renewal processing
  • Reporting and analytics dashboards

Target Users: Operations teams, Underwriters

At a Glance

Founded
2020
Headquarters
Menlo Park, California
Employees
11-50
Funding
Seed ($3.7M)

Category & Focus

Category
Distribution & Sales
Subcategories
Digital Distribution Product Configuration Underwriting Automation Policy Administration Rating Engine
Insurance Verticals
P&C Commercial Specialty/E&S
Target Customers
Carriers, MGAs/MGUs

Customers

  • Palomar Insurance
  • K2 Insurance Services (launched K2 OCONUS in 45 days)
  • Parento (launched parental leave insurance nationwide in 78 days)
  • Workforce Insurance Underwriters (launched trucking insurance products in 58 days)
  • NARDAC Insurance Services (Lloyd's coverholder; renewable energy insurance)
  • Altruis Group (MGU; storage unit facility insurance launched in 45 days)
  • Indemn (conversational insurance platform)

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Last updated: 2026-03-25