AI-native insurance firms
49 AI-native services firms in Insurance, in 9 countries, with $2.3 billion raised. An AI-native services company sells a professional service, not a tool. Its own people deliver it, on technology it builds itself. AI does far more of the work than in a traditional firm. People stay in the loop and own the judgement.
- Ki Insurance: Lloyd's syndicate (Ki 1618) quoting specialty risks in seconds on its own algorithmic underwriting platform (London, United Kingdom)
- Corgi: Licensed insurance carrier for venture-backed startups (D&O, cyber, GL) with AI underwriting and claims. (San Francisco, United States)
- Nirvana Insurance: Building the first AI-native insurer; commercial trucking and fleet insurance placed on its AI underwriting. (San Francisco, United States)
- Ledgebrook: AI-native E&S specialty MGA writing liability and cyber cover for mid-sized businesses through wholesale brokers. (Boston, United States)
- Reserv: AI-enabled third-party administrator handling P&C insurance claims for carriers, MGAs and self-insureds. (New York, United States)
- Descartes Underwriting: Parametric insurance MGA and insurer for corporates (climate, cyber) using AI/ML risk models (Paris, France)
- American Growth Insurance (AGI): Roll-up acquiring independent insurance agencies and rebuilding them as AI-native operations. (Atlanta, United States)
- Shepherd: Managing general underwriter for construction and infrastructure insurance, using AI to speed up underwriting. (San Francisco, United States)
- Gyde: AI-native health insurance brokerage that buys and partners with Medicare, benefits and individual-market agencies. (Austin, United States)
- Luzern Risk: AI-native captive insurance manager that forms and runs captive programmes for companies, brokers and MGAs. (New York, United States)
- Pace: AI agents that do insurance back-office work (submission intake, policy servicing, claims data entry) for carriers. (New York, United States)
- Strala: AI-enabled claims administrator (TPA) handling P&C claims end to end for carriers, captives and MGAs. (San Francisco, United States)
- WithCoverage: Commercial insurance brokerage for growing companies, flat fee instead of commission, with in-house experts and AI. (New York, United States)
- Equal Parts: AI-enabled roll-up of independent US insurance agencies selling commercial insurance to startups and SMBs. (Austin, United States)
- Harper: Licensed commercial insurance brokerage for small and mid-sized businesses, using its own AI platform to place coverage. (San Francisco, United States)
- Salty: AI-native insurance advisor that places and manages auto policies for households with car payments (Salt Lake City, United States)
- Corridor: AI-native employee benefits brokerage for small businesses; licensed advisors plus AI agents. (New York, United States)
- Novella: AI-powered wholesale E&S broker pairing producers with a proprietary placement and servicing platform. (New York, United States)
- ClaimSorted: Tech-enabled claims TPA for insurers and MGAs using AI plus human adjusters. (London, United Kingdom)
- Nara Health: AI-native third-party administrator for employer health benefits (Chicago, United States)
- FutureProof Technologies: AI-priced property insurance MGA and agency writing catastrophe-exposed condo, home and commercial risks via carriers. (San Diego, United States)
- Elysian: AI-native third-party administrator handling complex commercial insurance claims for carriers, MGAs and captives. (New York, United States)
- Comeryx: AI-native E&S commercial MGA for artisan contractors (Denver, United States)
- Klaimee: Liability insurance for companies deploying AI agents, priced from an AI risk score. (San Francisco, United States)
- Coverwatch: AI-native commercial insurance brokerage charging flat fees, licensed in 17 states (San Francisco, United States)
- Rosella: AI-native commercial insurance brokerage for US small and mid-market, paid commission on placed premium. (Sydney, Australia)
- Delegance Brokerage: Licensed commercial insurance brokerage using in-house AI to place and service policies for a flat 5% fee. (New York, United States)
- Insurteam: AI-driven travel insurance MGA automating sales and claims handling across Europe (Lausanne, Switzerland)
- TrueClaim: AI-powered third-party administrator for self-insured health plans. (San Francisco, United States)
- Acolite: AI-powered commercial insurance brokerage for construction contractors, with licensed brokers (Philadelphia, United States)
- Alan: Health insurer selling cover plus care and prevention in one app to individuals and employers, with an AI assistant. (Paris, France)
- Arvor Insurance: Commercial P&C insurance brokerage for middle-market companies, with senior brokers backed by in-house AI. (New York, United States)
- Bulwark: AI-native independent insurance agency for high-net-worth families, wealth managers and family offices. (Seattle, United States)
- Casey: AI-native commercial insurance brokerage where brokers close business and AI runs submissions (San Francisco, United States)
- Coverage Cat: AI-native licensed insurance broker for consumers (New York City, United States)
- Fernstone: AI-native commercial insurance brokerage for construction, security and logistics firms, with licensed brokers. (New York, United States)
- Hedge: AI-native specialty wholesale insurance brokerage, moving into underwriting (San Francisco, United States)
- Ignition Benefits: AI-native employee benefits brokerage for companies under 200 staff (Los Angeles, United States)
- Laura Assicurazioni: AI-run Italian motor insurance agency where assistant Laura quotes and sells car policies in chat. (Milan, Italy)
- Meshed: AI-native commercial insurance broker for UK SMEs; AI agents handle quoting, insurer chasing and policy admin (Glasgow, United Kingdom)
- Mosay: Spanish insurance brokerage group that partners with and takes stakes in independent brokers, running them on its own AI tools. (Madrid, Spain)
- Norlix: Digital insurance and pension broker for Danish SMEs that uses AI to find coverage gaps and place cover. (Copenhagen, Denmark)
- Ominimo: Sells motor insurance online in Hungary, Poland and other EU markets, with AI-based pricing; partner insurers. (Budapest, Hungary)
- Panta: Commercial insurance brokerage for hard-to-place risks; AI agents run submissions and renewals with human approval. (San Francisco, United States)
- RiskCube: AI-native insurance brokerage placing D&O, cyber and tech E&O cover and COIs for startups, with licensed broker review. (San Francisco, United States)
- Risklytics: Licensed commercial insurance broker for robotics and frontier AI firms (San Francisco, United States)
- Stoïk: Cyber insurance (MGA) for SMEs bundled with 24/7 monitoring and in-house incident response, run with internal AI agents (Paris, France)
- TALOS: Tech-first MGA writing warranty and indemnity insurance for mid-market M&A on its in-house ARGO AI platform. (London, United Kingdom)
- Veltha: AI-native workers' comp third-party administrator; licensed adjusters approve every claim decision. (San Francisco, United States)
The AI-Native Services Map is published by Eilla AI. What counts as AI-native? · What's new · Summary for AI tools