Type · carrier

Insurtech Carriers

Insurtech carriers — licensed insurance companies that underwrite and bear risk on their own paper, built around technology-first operating models. Covers digital-first and next-generation carriers across personal, commercial, specialty, and life insurance.

281 companies Top categories: Specialty Solutions (33) , Distribution & Sales (3) , Customer Engagement (3)

# 2

  • 180 Seguros Embedded insurance carrier connecting fintechs and digital banks to insurance products via API
  • 88I SEGURADORA DIGITAL Brazil's first 100% digital insurance carrier, embedding nano-insurance into mobility, delivery, fintech, and e-commerce platforms. Digital Carrier

A 64

  • Acadia Insurance (a Berkley Company) Regional commercial property and casualty insurer delivering "Closer Coverage" to small and mid-size businesses across New England and New York through a select network of independent agents.
  • ACCELERANT SPECIALTY INSURANCE US surplus lines carrier subsidiary of Accelerant Holdings, providing specialty insurance capacity to MGAs and specialty underwriters through the Accelerant Risk Exchange.
  • ACUITY INSURANCE Mutual property and casualty insurer with deep expertise in commercial trucking and small business
  • Adiona AI-powered motor insurance built on fairness, transparency, and real-time driving data.
  • Admiral Insurance Group (a Berkley Company) Wholesale-dedicated excess and surplus lines insurance for hard-to-place commercial risks since 1974.
  • Aetna, a CVS Health Company Building a world where health is simple, affordable, and within reach for everyone.
  • AF GROUP Premier provider of specialty workers' compensation and commercial insurance solutions across all 50 U.S. states.
  • AFLAC America's #1 provider of supplemental insurance, paying cash benefits directly to policyholders when illness or injury strikes.
  • AFR Insurance Your Agent. Your Neighbor. AFR Insurance.
  • AIG One of the world's largest insurance organizations, delivering commercial and personal lines solutions across approximately 70 countries.
  • AIG LIFE AND RETIREMENT Delivering retirement solutions and insurance products to help Americans build financial security across life's journey.
  • AIOI NISSAY DOWA INSURANCE CO., LTD. Pioneering connected car and telematics insurance in Japan and beyond
  • ALINSCO INSURANCE COMPANY Quality non-standard auto insurance coverage exclusively for Texas drivers, distributed through thousands of independent agents statewide.
  • Allianz The world's largest insurance company -- providing protection and financial security to over 150 million customers in more than 70 countries.
  • Allianz Global Corporate & Specialty (AGCS) The specialist commercial and corporate insurance division of Allianz Group, delivering tailored coverage for mid-sized businesses, large enterprises, and specialist risks worldwide.
  • ALLIANZ LIFE True to our promises so you can be true to yours.
  • ALLIED WORLD ASSURANCE COMPANY A global provider of specialty insurance and reinsurance solutions, backed by Fairfax Financial Holdings.
  • Allstate You are in Good Hands -- Americas largest publicly held personal lines P&C insurer protecting tens of millions of households.
  • Alpha Direct Digital insurance carrier bringing cloud-based, AI-powered coverage to underserved markets across Africa
  • ALPS PROPERTY & CASUALTY INSURANCE COMPANY The nation's largest direct writer of lawyers' malpractice insurance, endorsed by more state bars than any other carrier. Professional Liability Insurance
  • AMERICAN EQUITY LIFE Funding more than half a million retirements with guaranteed income annuity solutions backed by strong financial ratings.
  • American Family Insurance Inspire, protect and restore dreams.
  • American Financial Group Specialty property and casualty insurance leader with 150+ years of underwriting expertise. Specialty Solutions →
  • AMERICAN INTEGRITY INSURANCE COMPANY Strength From Integrity -- Florida-focused residential property insurance built on trust and financial strength.
  • American Modern Insurance Group Specialty insurance for the lives people live -- protecting unique homes, recreational vehicles, and the things that matter most. Specialty Solutions →
  • American Public Life Insurance Company Supplemental insurance and workforce benefits, built on financial strength since 1945.
  • Americo Life Protecting families and building retirement security through final expense, life, and annuity products distributed by independent agents. Life Insurance and Annuities
  • AMERISAFE, Inc. Workers' Comp is All We Do -- specialty workers' compensation insurance for high-hazard industries.
  • Amerisure Industry-leading specialist transforming the insurance experience one partnership at a time. Specialty Solutions →
  • AMERITAS Financial Strategies for a Fulfilling Life Life & Annuity
  • AmeriTrust Group, Inc. Specialty P&C underwriting and insurance administration for select niche markets across all 50 states. Specialty Solutions →
  • AMICA An Insurance Company Built on Empathy
  • Amplify Life Insurance Digital-first life insurance platform combining permanent coverage with tax-efficient wealth building. Distribution & Sales →
  • AmTrust Financial Services Specialty property and casualty insurer focused on small commercial, workers compensation, and specialty risk
  • Ansel Health (fka Brella Insurance) Employer-sponsored supplemental health insurance covering 13,000+ medical conditions with direct cash payments -- acquired by Renaissance Life & Health in November 2025. Specialty Solutions →
  • Arbella Insurance Group A leading New England regional carrier delivering personal and commercial insurance through the independent agent channel since 1988.
  • Arch Insurance Group Inc. Specialty risk solutions across North America, backed by the strength of Arch Capital Group.
  • ARCH RE
  • Argo Specialty property and casualty insurance for complex, hard-to-place risks.
  • ARGUS GROUP Bermuda's oldest and largest domestic multi-line insurer, serving individuals, families, and employers across Bermuda, Gibraltar, Malta, and Canada.
  • ARMED FORCES INSURANCE Protecting the people who protect our nation since 1887.
  • ASCOT A perfect partner for a less-than-perfect world. Specialty Solutions →
  • Aspen Insurance Group A global specialty insurance and reinsurance carrier writing USD 4.6B in gross premiums, now operating as part of Sompo Group following a USD 3.5B acquisition in February 2026.
  • ASPIDA Technology-forward annuity and life insurance carrier serving the US retirement market.
  • Aspire General Insurance Non-standard personal auto insurance for higher-risk drivers in California, Arizona, and Michigan.
  • ASSURANCEAMERICA Affordable non-standard auto and renters insurance for underserved consumers across 14 US states -- no credit score required.
  • ASSURANT Global protection services company safeguarding connected devices, homes, and vehicles across 21 countries.
  • ASSURITY Mutual life insurance carrier bringing financial protection to middle-income American families through a nationwide independent agent network.
  • At-Bay The world's first InsurSec company -- combining cyber insurance with proactive security in a single integrated offering. Specialty Solutions →
  • Ategrity Specialty Insurance Company Tech-enabled E&S specialty carrier delivering fast, data-driven underwriting for small and medium-sized commercial businesses.
  • ATHENE America's leading retirement services company, providing financial security through annuities and retirement income solutions backed by Apollo Global Management.
  • ATLANTIC AMERICAN CORPORATION Specialty insurance holding company serving senior life, health, and commercial auto markets through independent agent networks.
  • Atlantic Casualty Insurance Co. Specialty E&S commercial lines carrier distributing exclusively through wholesale agents with a proprietary digital quoting and binding platform.
  • Atlantic Charter Insurance Inc Specializing in workers compensation insurance for New England employers since 1990. Specialty Solutions →
  • AUTO & GENERAL Short-term insurance with long-term values -- four decades of service excellence in South Africa.
  • AUTO CLUB ENTERPRISES The largest AAA club in the United States, providing insurance, roadside assistance, and travel services to more than 18 million members across 22 states.
  • Auto-Owners Insurance
  • Aviva Building a simpler, stronger, better Aviva -- UK and Ireland's largest diversified insurer and a leading carrier in Canada.
  • AXA Acting for human progress by protecting what matters -- for 92 million clients across 52 countries.
  • AXA MPS Multi-Line Insurance Carrier
  • AXA US Multi-Line Insurance Carrier
  • AXA XL Property, casualty, and specialty insurance and reinsurance for the worlds most complex risks.
  • AXIS INSURANCE Global specialty insurer and reinsurer providing complex risk solutions across more than 200 lines of business in over 50 countries.
  • aYo Holdings Mobile microinsurance for underserved populations across Africa

B 18

  • Balance Re Quantitative asset-liability management reinsurance for life insurers and pension funds Reinsurance Technology
  • Beazley How different delivers value -- specialty insurance through underwriting expertise and digital innovation.
  • Beesafe Digital insurance carrier built for fast, fully online policy buying
  • BeNew Insurance Micro-insurance for low-income earners, powered by recyclable premium payments
  • Berkley One (a Berkley Company) Personal insurance designed for the needs of affluent and high-net-worth individuals and families.
  • BERXI Direct-to-consumer professional liability and small business insurance, backed by Berkshire Hathaway
  • BestDoctor Russias leading corporate health insurtech, combining voluntary medical insurance with a technology platform for pay-per-use corporate health benefits
  • Bestow Modernizing life insurance with end-to-end SaaS technology for carriers Core Administration →
  • biBerk Berkshire Hathaway's direct-to-consumer commercial insurance for small businesses -- quotes, purchase, and coverage in minutes, online.
  • Bingo AI-powered dog insurance delivered through a mobile app
  • BLINK by Chubb Digital Consumer Insurance
  • Blue HK Direct-to-consumer digital life insurer in Hong Kong -- no agents, no commissions
  • BLUE OWL/HIROAD INSURANCE Car insurance for mindful drivers -- behavior-based auto coverage that rewards safe driving with variable monthly pricing. Specialty Solutions →
  • Bow Wow Meow Specialty Solutions →
  • Branch Insurance The first insurance company built to bundle home and auto coverage in seconds
  • Bright Health Value-based health care management serving ACA, Medicare, and Medicaid populations
  • Britam Africa's leading diversified financial services group -- insuring and investing for a better Africa.
  • Buckle Insurance fronting experts reimagining the fronting carrier model for MGAs

C 34

  • CAA MyPace Canada's first pay-as-you-go auto insurance -- pay only for the kilometres you drive.
  • CABRILLO COASTAL GENERAL INSURANCE Specialty residential property insurance for catastrophe-exposed coastal areas across 11 US states.
  • CANADA LIFE Canada's first life insurer, serving 40 million customer relationships across Canada and internationally with life, health, group benefits, wealth management, and reinsurance.
  • Canal Insurance Company Specialty commercial trucking insurer using telematics and digital technology to serve the transportation industry.
  • CAPEMISA SEGURADORA Life insurance and capitalization specialist protecting Brazilian families and businesses for over 65 years.
  • CARAVELA – COMPANHIA DE SEGUROS, S.A. Simple, transparent insurance adapted to Portuguese customers -- protecting what matters most.
  • Casava Nigeria's first fully digital, licensed microinsurance carrier -- making insurance affordable and accessible.
  • Catlin Specialty insurance and reinsurance leader, now operating as AXA XL -- delivering complex risk solutions across marine, aviation, property, and professional lines globally.
  • CELINA INSURANCE GROUP Independent agents. Mutual strength. Protecting Ohio and neighboring states since 1914.
  • Centivo Primary-care-centered health plans for self-funded employers Employee Benefits & Health Insurance
  • Century Insurance Group Premier excess and surplus lines specialty carrier, distributing non-admitted commercial coverage through a select network of wholesale brokers and general agents. Specialty Solutions →
  • CERITY Digital workers compensation insurance for small businesses -- direct, simple, and online. Specialty Solutions →
  • CHERRISK Digital-first insurance for connected lives
  • Chhaya Digital micro-insurance carrier making coverage affordable and accessible in Bangladesh
  • CHUBB World's largest publicly traded property and casualty insurer, operating in 54 countries with leading positions in U.S. commercial lines and high-net-worth personal insurance.
  • CITIZENS PROPERTY INSURANCE Florida's government-created insurer of last resort -- providing property insurance to homeowners and businesses unable to obtain coverage in the private market. Insurance Carrier (Government / Insurer of Last Resort)
  • Clalbit One of Israel's leading multi-line insurance and long-term savings groups, offering comprehensive insurance, pension, savings, and financial services.
  • CLEAR BLUE INSURANCE Specialty fronting carrier empowering MGAs with licensed paper, reinsurance access, and real-time analytics. Specialty Solutions →
  • Clearcover Smarter car insurance
  • Clover Health Medicare Advantage carrier using AI-driven clinical decision support to improve care outcomes and reduce costs for seniors.
  • CLUPP Pay-per-kilometer vehicle insurance for Latin America's mobility workers and gig economy drivers Specialty Solutions →
  • CO-OPERATORS Canadian multi-line co-operative insurer with a dedicated embedded insurance platform (Duuo) for API-first digital distribution. Distribution & Sales →
  • COALITION Cyber insurance combined with proactive security monitoring and incident response Specialty Solutions →
  • Coface Global trade credit insurance and risk management for businesses in 200+ markets.
  • COLONIAL Voluntary benefits that help protect what matters most -- at the worksite. Voluntary Benefits
  • CompSource Mutual Insurance Company Oklahoma's premier workers' compensation provider -- Oklahomans serving Oklahomans.
  • CONSTELLATION INSURANCE A diversified financial services group with insurance, reinsurance, asset management, and institutional markets businesses. Life Insurance and Annuities
  • CONVEX International specialty insurer and reinsurer combining unrivalled experience with a legacy-free balance sheet.
  • CORE SPECIALTY Specialty insurance built on deep underwriting expertise, local autonomy, and disciplined niche market focus. Specialty Solutions →
  • COVERYS Free to focus on medicine -- proven protection and services so you can focus on patients.
  • Crabi Mexico's first tech-native digital auto insurer, offering fully licensed coverage through a mobile-first platform
  • CSAA AAA-affiliated personal lines carrier providing auto, home, and umbrella insurance to AAA members across 23 states.
  • CUNA MUTUAL GROUP Insurance and financial services for credit unions and their members since 1935, now operating as TruStage Financial Group.
  • CYPRESS PROPERTY & CASUALTY Specialty property insurance for catastrophe-exposed markets in Florida and Texas

D 5

  • DARWIN SEGUROS Brazil's largest digital auto insurer, combining telematics-based pricing with fully digital policy management. Specialty Solutions →
  • Decent Health insurance built around direct primary care relationships
  • DESJARDINS GENERAL INSURANCE Canada's cooperative P&C carrier offering auto, home, and commercial insurance backed by digital innovation
  • DGAG Canada's second-largest P&C insurer, offering auto, home, and commercial coverage through the Desjardins cooperative network and digital channels.
  • Discovery Behavioral insurance and financial wellness across 42+ markets worldwide.

E 7

  • EIRS B2B2X embedded non-life insurance platform for European digital distribution partners
  • EMBRACE PET INSURANCE Reimbursement-based pet health insurance covering accidents, illnesses, chronic conditions, dental disease, and behavioral therapy for dogs and cats with no veterinary network restrictions.
  • EMPLOYERS America's small business workers' compensation insurance specialist, serving low-to-medium hazard industries for over a century.
  • ENSURO Decentralized reinsurance capacity powered by blockchain smart contracts and stablecoin liquidity pools. Insurtech Infrastructure →
  • EVERDAYS Digital life insurance carrier for adults 50 and above, combining simplified underwriting with end-of-life planning tools. Specialty Solutions →
  • EVERSPAN GROUP Specialty fronting carrier connecting MGAs and program administrators with A-rated capacity
  • Evry Health Fully-insured employer health plans with zero deductibles, zero copays, and integrated care teams

F 10

  • Fi Life Malaysia's digital-first life insurance carrier offering direct, commission-free coverage online
  • Firefly Virtual-first employer health plan integrating primary care, behavioral health, and specialty care.
  • Flitter Pay-per-kilometre car insurance for low-mileage drivers
  • FORTITUDERE Transactional reinsurance solutions for legacy Life & Annuity and P&C portfolios
  • FOUNTAIN HEALTH INSURANCE Employee Health Benefits
  • FRANK WINSTON CRUM INSURANCE Admitted commercial carrier specializing in workers' compensation and general liability for small businesses and contractors.
  • FRONTLINE INSURANCE Specialty coastal property insurance across seven southeastern US states.
  • FURRYCHAMP Pet Insurance
  • FuSure Reinsurance Technology-backed reinsurer serving the Greater China and APAC markets Reinsurance
  • FWD Insurance Life and Health Insurance

G 13

H 19

I 6

J 6

K 3

  • ki elements The first algorithmically driven Lloyd's syndicate, delivering instant follow-capacity to specialty brokers worldwide. Underwriting & Risk →
  • Kin Insurance Affordable home insurance made easy
  • Koltin Mexico's first private health insurance company dedicated exclusively to adults aged 50-85, combining medical coverage with tech-enabled preventive care.

L 6

M 23

N 4

  • Naked Digital, app-based insurance for cars, homes, and valuables in South Africa -- with unclaimed premiums returned to charity.
  • Neodigital Digital P&C carrier and Insurance-as-a-Service platform for German market
  • Next
  • Nirvana Insurance AI-native commercial trucking carrier using telematics and real-world driving data to price, underwrite, and settle claims.

O 10

P 7

R 9

S 19

  • Safely Short-term rental insurance and guest screening for property managers and hosts.
  • SafetyWing Global health and travel insurance for digital nomads, remote teams, and the location-independent Health
  • Sana Affordable group health coverage with built-in virtual care for small businesses Health
  • Savvi Insurance Homeowners insurance bundled with smart home technology for proactive loss prevention.
  • SCOR Global reinsurer providing P&C and Life & Health solutions to primary insurers worldwide.
  • Seel Post-purchase risk protection for e-commerce merchants Specialty Solutions →
  • Sidecar Health Employer health insurance with transparent direct-pay pricing and no network restrictions
  • Simply Online life, disability, and funeral insurance for South Africa's mass market
  • Singlife Philippines Mobile-first digital life insurance for the Filipino market
  • SiriusPoint Global specialty insurer and reinsurer providing capacity to carriers, brokers, and program administrators worldwide. Specialty Solutions →
  • Skyward Specialty Insurance Specialty property and casualty insurer operating through nine underwriting divisions across admitted and non-admitted markets.
  • Slide Your home insurance. Your terms.
  • SNACK by Income Build insurance coverage one micro-premium at a time through daily lifestyle activities
  • Sofía Digital health insurance for individuals, families, and businesses in Mexico
  • Somers Re Ltd. Specialty property and casualty reinsurer offering flexible solutions across global casualty, property, and mortgage lines. Reinsurance Technology
  • SPOKK Insurance Digital-native pet insurance carrier pioneering accident coverage for pets and virtual gaming avatars through AI-powered mobile technology. Pet Insurance
  • Square One Insurance Digital-first home and car insurance for Canadian consumers
  • Steadily The largest landlord insurance specialist in the U.S., offering fast, affordable coverage for rental property owners
  • Sypher, Inc AI-driven (re)insurance ecosystem unlocking sustainable coastal property capacity for independent agents and policyholders. Homeowners Insurance

T 4

U 3

  • Unum Helping the working world thrive throughout life's moments
  • USAA Insurance, banking, and financial services exclusively for the U.S. military community.
  • USLI A Berkshire Hathaway specialty insurance group offering 500+ classes of low-hazard commercial and professional lines for small businesses, rated A++ (Superior) by AM Best.

V 5

  • Vantage Risk Companies A next-generation specialty re/insurer built on talent, technology, and data-driven underwriting.
  • Vault Protecting What Matters Most -- specialized high-net-worth insurance for affluent individuals and families
  • Verti Personal Lines Insurance
  • VSure Digital Insurance
  • VYRD Made by Floridians for Floridians

W 2

  • Wellabe Empowering people to be well -- well prepared and well protected.
  • Wellfleet Specialty accident and health carrier serving higher education, employers, and special risk groups across the United States

Y 1

  • Youse Seguros Digital insurance built for Brazilians -- auto, home, and life coverage, fully online.

Z 1

  • ZhongAn Online P&C Insurance China's first internet-only insurance carrier, combining direct consumer coverage with a B2B SaaS platform for insurers.

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