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Top 100 Insurance Startups to Watch in 2026

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The insurance sector is being reshaped by technology focused startups. These companies are targeting specific niches from cyber risk to employee benefits.

Companies like Coalition have attracted significant funding, raising $800M to tackle cyber risk. Others, such as Kin Insurance, have secured over $708M to provide property insurance directly to customers.

Below is our list of 100 Insurance startups worth keeping an eye on.

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Cowbell provides cyber insurance for businesses ranging from small companies to upmarket enterprises. Their AI-driven platform continuously assesses risk to deliver customized policies and help clients manage their digital exposure.

HeadquartersPleasanton, California, United States
Year Founded2019
FoundersJack Kudale, Prab Reddy, Rajeev Gupta, Trent Cooksley
Funding Amount$208.3M
Startup SizeMid-Size Team (51-250)
Last Funding StatusSeries C
Top InvestorsAnthemis, Permira, Viola FinTech, Nyca Partners, PruVen Capital

CyberCube builds a cyber risk analytics platform designed to help the insurance industry quantify its exposure. Their modeling solutions allow insurers to better underwrite policies and understand the financial impact of cyber events.

HeadquartersSan Francisco, California, United States
Year Founded2015
FoundersAshwin Kashyap
Funding Amount$285M
Startup SizeMid-Size Team (51-250)
Last Funding StatusVenture Round
Top InvestorsMorgan Stanley, Spectrum Equity, Forgepoint Capital, Stone Point Capital, MTech Capital

Flex builds a finance super app that integrates business and personal accounts for entrepreneurs. The platform gives users a real-time view of their entire net worth, combining financial products like banking, credit cards, and treasury management.

HeadquartersMiami, Florida, United States
Year Founded2022
FoundersHadi Solh, Zaid Rahman
Funding Amount$348M
Startup SizeMid-Size Team (51-250)
Last Funding StatusDebt Financing
Top InvestorsHustle Fund, Titanium Ventures, Florida Funders, Chapter One, Suffolk Technologies

bolttech operates a global insurance exchange that connects insurers, distributors, and customers through a single technology platform. This ecosystem streamlines how protection and insurance products are bought and sold worldwide.

HeadquartersSingapore, Central Region, Singapore
Year Founded2020
FoundersRichard Li
Funding Amount$690.2M
Startup SizeMajor Organization (1,001-5,000)
Last Funding StatusSeries C
Top InvestorsActivant Capital, LeapFrog Investments, MetLife, Khazanah Nasional, Baillie Gifford

Kin Insurance has built a direct-to-consumer platform for homeowners insurance, simplifying how people buy and manage their policies. They focus on providing affordable coverage options, especially for homes located in regions prone to extreme weather.

HeadquartersChicago, Illinois, United States
Year Founded2016
FoundersLucas Ward, Sean Harper, Sebastian Villarreal, Stephen Wooten
Funding Amount$708.2M
Startup SizeLarge Team (251-1,000)
Last Funding StatusSeries E
Top InvestorsQED Investors, Gaingels, 500 Global, Wellington Management, Long Journey Ventures

Headway builds a mental healthcare network that makes it simple for therapists to accept insurance. Their platform helps providers scale their practices and makes it easier for patients to find affordable in-network care.

HeadquartersNew York, New York, United States
Year Founded2019
FoundersAndrew Adams, Dan Ross, Jake Sussman, Kevin Chan
Funding Amount$325.5M
Startup SizeLarge Team (251-1,000)
Last Funding StatusSeries D
Top InvestorsAndreessen Horowitz, Accel, Forerunner, Thrive Capital, Bossa Invest

Coalition provides businesses with both cyber insurance and the security tools needed to manage digital risk. Their Active Insurance platform is designed to prevent incidents before they strike, rather than just covering the aftermath.

HeadquartersSan Francisco, California, United States
Year Founded2017
FoundersJohn Hering, Joshua Motta
Funding Amount$800M
Startup SizeLarge Team (251-1,000)
Last Funding StatusCorporate Round
Top InvestorsValor Equity Partners, General Atlantic, Index Ventures, Ribbit Capital, Hillhouse Investment

Nayya builds a software and data platform that helps employees better control their health and financial potential. Their technology offers personalized guidance for choosing and using benefits, simplifying complex decisions around insurance and financial wellness.

HeadquartersNew York, New York, United States
Year Founded2019
FoundersAkash Magoon, Aman Magoon, Sina Chehrazi
Funding Amount$105.7M
Startup SizeMid-Size Team (51-250)
Last Funding StatusVenture Round
Top InvestorsICONIQ Growth, Transformation Capital, Felicis, Workday Ventures, SVB Capital

Coterie Insurance builds technology to simplify how agents and brokers sell small business insurance. Their APIs allow partners to instantly quote and issue policies, embedding the process directly into their own platforms.

HeadquartersAppleton, Wisconsin, United States
Year Founded2018
FoundersDavid McFarland, Kevin Mackey, Tim Metzner
Funding Amount$97M
Startup SizeMid-Size Team (51-250)
Last Funding StatusSeries C
Top InvestorsAllos Ventures, RPM Ventures, Weatherford Capital, Frontier Venture Capital, Sure Ventures

Justworks created an all-in-one platform to help businesses handle payroll, benefits, HR, and compliance. Their software gives small companies access to enterprise-level benefits and simplifies complex administrative work.

HeadquartersNew York, New York, United States
Year Founded2012
FoundersIris Ramos, Isaac Oates
Funding Amount$159.8M
Startup SizeMajor Organization (1,001-5,000)
Last Funding StatusVenture Round
Top InvestorsLocalGlobe, Bain Capital, Index Ventures, Union Square Ventures, Bain Capital Ventures

90 Additional Insurance Startups Worth Following

Our top 10 picks are just a small slice of what's happening in the insurance sector. Together, the companies we're watching have raised billions of dollars to build new tools, with many focusing on AI and fintech.

You'll see companies at every stage, from brand new startups to those already scaling quickly. Here’s a look at the other startups shaping the insurance industry.

StartupMain IndustryYear FoundedAmount RaisedLast Funding Round
Roots logo RootsAI2018$44MSeries B
League logo LeagueEnterprise2014$271.1MVenture Round
Chapter logo ChapterHealthcare2013$184MSeries D
Taktile logo TaktileFintech2020$78.7MSeries B
Venteur logo VenteurAI2021$27.7MSeries A
Vinlivt logo VinlivtFintech2022$6.7MSeed
Cytora logo CytoraInsurTech2014$41.4MSeries B
Integrity Marketing Group logo Integrity Marketing GroupMarketing2006$2.1BPrivate Equity
CLARA Analytics logo CLARA AnalyticsAnalytics2017$60.5MVenture Round
Ascend logo AscendFintech2021$285.5MDebt Financing
Sidecar Health logo Sidecar HealthFintech2018$328MSeries D
b.well Connected Health logo b.well Connected HealthBiotech2015$118.8MDebt Financing
Lula logo LulaAI2020$53.5MSeries B
Related Group logo Related GroupAnalytics1979$282.8MDebt Financing
Kinetic logo KineticAnalytics2014$19.4MSeries A
DigitalOwl logo DigitalOwlInsurTech2017$38.5MSeries B
Oxa logo OxaAI2014£181.6MSeries C
Datawizz.ai logo Datawizz.aiFintech2019$15.5MSeed
Kota logo KotaMedia2022$22.4MSeries A
Elysian logo ElysianAI2024$9MSeed
Bamboo logo BambooFintech2018$28.5MSeries A
Parento logo ParentoFintech2019$10.4MSeed
SureCo logo SureCoEnterprise2016$23MSeries A
Lloyd's logo Lloyd'sFintech1829$395MDebt Financing
Ladder logo LadderFintech2015$194MSeries D
Jerry logo JerryAI2017$242MSeries C
Reserv logo ReservEnterprise2022$84.1MSeries B
Catch logo CatchMedia2017$20.1MSeries A
Concirrus logo ConcirrusEnterprise2012£31.1MCorporate Round
eSSENTL Creator logo eSSENTL CreatorFintech2024$1.9MPre-Seed
INSHUR logo INSHURInsurTech2016$116.6MPrivate Equity
Steadily logo SteadilyInsurTech2020$84.9MSeries C
Rula logo RulaHealthcare2019$110.9MSeries C
180 Seguros logo 180 SegurosFintech2020$48.6MSeries A
Acko logo AckoInsurTech2016$458MUndisclosed
Gradient AI logo Gradient AIAI2012$123.2MSeries C
Skypoint logo SkypointAI2020$12MUndisclosed
Zinnia logo ZinniaEnterprise2005$300MDebt Financing
Edward Jones logo Edward JonesEnterprise1922$406.8MUndisclosed
Novidea logo NovideaCloud2009$110MSeries C
Akur8 logo Akur8Fintech2019$166.6MSeries C
Seyna logo SeynaFintech2018$57MVenture Round
Policygenius logo PolicygeniusFintech2014$276.1MSeries E
Igloo logo IglooAI2016$98MSeries C
iCover logo iCoverAI2018$5MSeed
NationsBenefits logo NationsBenefitsHealthcare2015$170MPrivate Equity
Faye logo FayeFintech2021$49MSeries B
Ondato logo OndatoFintech2018$11.2MSeed
Meanwhile logo MeanwhileCrypto2022$59MSeries A
Socotra logo SocotraEnterprise2014$93.9MSeries C
Federato logo FederatoAI2020$80MSeries C
Pathwork logo PathworkAI2024$3.8MSeed
BriteCore logo BriteCoreEnterprise2012$82.6MSeries C
Beem logo BeemAI2020$27.2MDebt Financing
dacadoo logo dacadooHealthcare2010CHF70MSeries C
Vouch logo VouchFintech2018$184.7MSeries D
Boost logo BoostFintech2017$37MVenture Round
Unqork logo UnqorkEnterprise2017$365.2MSeries C
CozmoX AI (YC W22) logo CozmoX AI (YC W22)AI2024$1MPre-Seed
AmWINS logo AmWINSFintech1998$61MVenture Round
Anterior logo AnteriorAI2022$23.2MSeries A
Sohar Health logo Sohar HealthAI2023$7.5MSeed
Nykredit Realkredit logo Nykredit RealkreditManufacturing1851SEK300MDebt Financing
Superscript logo SuperscriptCrypto2015$79.2MSeries B
PasarPolis logo PasarPolisFintech2015$71MUndisclosed
Clearcover logo ClearcoverInsurTech2016$406MUndisclosed
Lassie logo LassieInsurTech2020$36.5MSeries B
Devoted Health logo Devoted HealthHealthcare2017$2.3BSeries E
Resistant AI logo Resistant AIAI2019$30.4MCorporate Round
GoodData logo GoodDataAnalytics2007$167.7MDebt Financing
Covr Financial Technologies logo Covr Financial TechnologiesFintech2016$53MSeries B
Feather logo FeatherFintech2018$9.9MSeries A
PHP Agency logo PHP AgencyFintech2009$11.9MVenture Round
Relativity6 logo Relativity6AI2016$6.8MSeed
Dwr Cymru Welsh Water logo Dwr Cymru Welsh WaterFintech1989£600MDebt Financing
Codoxo logo CodoxoAnalytics2017$14.7MSeries B
Turtlemint logo TurtlemintFintech2015$197MSeries E
Wagmo logo WagmoRetail2018$24.5MVenture Round
Camber logo CamberInfrastructure2020$33.1MSeries B
COVU logo COVUFintech2022$58MUndisclosed
SEI logo SEIAnalytics1992$725.1kUndisclosed
Osigu logo OsiguAI2015$52.3MSeries B
Fenris logo FenrisAnalytics2016$4.4MSeed
Nestimate logo NestimateFintech2022$3.3MSeed
Quandri logo QuandriAI2020$18.7MSeries A
Orion180 Insurance logo Orion180 InsuranceFintech2017$42.3MDebt Financing
Aveni logo AveniEnterprise2018£15.5MSeries A
Nomi Health logo Nomi HealthFintech2019$110MPrivate Equity
Wisdom logo WisdomFintech2023$28MSeries A
Sure logo SureFintech2015$123.1MSeries C

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