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Updated by Zack Miller on Nov 01, 2016
Headline for Top Insurance Startups
Zack Miller Zack Miller
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Top Insurance Startups

Insurance as an industry has been one of the last to be reimagined in the Internet era. That's all changing now: entrepreneurs and institutions are investing heavily to turn out the next generation of insurance companies from the ground up. Institutional capital is betting that this new class of insurance companies will make a dent in the multi-trillion insurance industry.

This is Tradestreaming's list of the top insurance startups.





Oscar uses technology to simplify the entire health insurance experience. You can use our app to talk to a doctor and get prescriptions without ever leaving home. Keep track of your health history with a timeline and earn rewards for staying active with a free Misfit step tracker.


Zenefits is free online HR Software that gives your team a single place to manage all your human resource needs - payroll, benefits, compliance and more.


PolicyGenius is trying to make the process of buying individual insurance more enjoyable. Through education and easy-to-use tools, users can determine what type of insurance they need, compare costs from different carriers, and consult with experts if they need them.


Metromile is revolutionizing car ownership with pay-per-mile insurance and a smart driving app. It's based on the idea that if you aren’t driving much, you shouldn’t be paying much.




Trov is an application and digital insurance platform that together reinvent the way people insure their things by harnessing the information about all they own. Designed for the emerging generations of digital natives, Trov completely redefines the way people protect their possessions by letting them choose just the things they care to protect, and engage insurance for as long as they need it – a year, a month, a week, day, hour…whatever.

the zebra

the zebra enables users to compare quotes from every top car insurance company in seconds.

Mark Cuban is an investor.


QuanTemplate is a revolutionary marketplace, communications and enterprise workflow technology that offers a secure web-based platform for trading risk, regulatory reporting and creating financial models for use across the (re)insurance market.
Through QuanTemplate, underwriters and brokers can conduct all operational activities required to trade in the $4.6tn insurance market (6.7% of global GDP), while optimising their risk in real-time, all the time.


Friendsurance has developed a revolutionary peer-to-peer insurance concept, which rewards small groups of users with a cash-back bonus at the end of each year they remain claimless.

Founder Shield

Fully customizable business insurance packages for startups. Essentially, it's business insurance for today's young companies with a better user experience and more customized to startups' needs.

Bought By Many

Bought By Many is a free, members-only service that helps find individuals insurance.
The company groups together individuals based on their needs and negotiates discounts and cash back offers for members, frequently resulting in lower premiums. The company claims members save an average of 18.6%.

Bolt Solutions

Bolt is building software that can change the way insurance is sold. It's software as a service (SaaS) can empower carriers and distributors to take the omnichannel distribution model into the 21st century.

Clover Health

Clover Health is a unique health insurance plan focused on driving down costs and producing improved health outcomes. Clover Health uses sophisticated analytics and custom software to direct its own clinical staff to proactively fill in gaps in member care.


Lemonade is billing itself as the world's first P2P insurance carrier. That's a bold vision backed by a $13M seed round from top investor, Sequoia Capital (largest seed round in the firm's history).

Lemonade is founded by senior tech professionals, including FIverr's founder, Shai Wininger.




Guevara lets you pool your premiums online to save money. Unlike traditional insurance any money left in the pool at the end of the year stays with the group and lowers everyone's price next year. If you keep claims low you could save up to 80%.

Collective Health

Collective Health is a technology company working to create the healthcare experience we all deserve. Today, the startup helps companies in the U.S. take better care of their people with a complete health insurance solution.




Gravie is a health insurance marketplace designed to help consumers choose and buy insurance, pay for it, and manage all health care expenses in one place.
By using technology and by building partnerships – with insurance companies, state health care exchanges, banks and outsourcers — Gravie make sense of something that has historically been very complicated.
Gravie‘s founders have started and led some of the most innovative, industry-changing healthcare companies in the last decade.

Beam Dental

Beam Dental offers a different kind of dental care plan for employers large and small. They’re rethinking dental benefits from the ground up, starting with a smart-toothbrush and the most advanced group dental insurance on the market. Quarterly perks of replacement brush heads, toothpaste and floss round out a set of benefits your team will love. The result? A fundamentally better dental care experience at a price point everyone can get behind.




Uvamo is a marketplace where those seeking insurance and those seeking investment returns from participating in the insurance business can come together. By leveraging technology and replacing the traditional middleman with an efficient marketplace, Uvamo offers superior service at lower premiums to policyholders and attractive risk adjusted returns to investors.

The company was co-founded by Visar Nimani, who was the Chief Technology Officer at Lending Club.


Captricity is an award-winning cloud-based service that turns paper information into digital data more easily, quickly, and cheaply than existing alternatives

Maxwell Health

Maxwell Health is the first ever operating system for employee benefits. Maxwell simplifies benefits, reduces costs, and improves employee health.


Honorable Mentions

These companies may not have fulfilled all our requirements to be on the top 20 list but they're worth keeping an eye on.

Lower cost car insurance for young drivers, women and low mileage drivers. Our in-tele-box telematics technology means great deals on your car insurance.



It's not complicated. For just $34 you can have travel insurance & protection that gives you peace of mind. AirCare is part of Warren Buffett's Berkshire Hathaway Travel Protection



Today, the stars you earn on eBay can only be used inside eBay. Your AirBnB reputation within AirBnB… so who owns your reputation?
With Traity you own your reputation. And you can use your reputation passport to become a trusted member of any community.

Snapsheet utilizes proprietary technology to optimize virtual claims operations. The firm's patent pending process gives adjusters the tools they need to provide a seamless experience to their insureds.