AI-Powered · Multi-Carrier · Real-Time

Acquire. Insure. Scale.

The operating system for the future of insurance. AI underwriting, M&A automation, and multi-carrier quoting — unified in one platform.

0+
Agencies Onboarded
▲ 18% this quarter
$0B
Premiums Managed
▲ 31% YoY
0+
Carrier Integrations
All 50 states
0%
Claims Automated
Sub-24hr resolution
$0M
M&A Transacted
84 deals closed
app.insuranceos.com/dashboard
LIVE
Platform
Dashboard
Clients
Policies
Claims
Acquisition
Pipeline
Valuation
Analytics
Reports
AI Insights
Portfolio Overview
+12.4% MoM
LIVE
Gross Written Premium
$4.2B
▲ 31.2% YoY
Active Policies
186,420
▲ 8.7% MoM
Loss Ratio
61.3%
▼ 3.2pts
Open Claims
2,847
▲ 142 new
Premium Revenue — 12 Months
Lines of Business
147
Carriers
Recent Activity
Auto policy bound — Progressive · $1,420/yr · 32 sec ago
Agency acquisition LOI signed — Meridian Group · $4.2M · 8 min ago
Claim #CL-48291 escalated — AI review triggered · 14 min ago
New carrier API integrated — Travelers Commercial · 1 hr ago
Trusted by forward-thinking brokers & carriers
Platform Modules

13 Modules. One Platform.

From policy binding to M&A closings — every tool the modern insurance enterprise needs, connected by AI.

Coverage Intelligence

Real-Time Policy Heatmap

Live acquisition targets, policy concentration, and carrier coverage — mapped across all 50 states.

Acquisition Opportunity Map — USA
LIVE DATA
High Opportunity
Active Markets
Due Diligence
Closed Deals
34
States Active
127
Targets Identified
$2.4B
TAM in Pipeline
84
Deals Closed
Solutions

Built for every layer
of the insurance stack.

Whether you're a consumer, a commercial buyer, an agency owner, or a private equity firm — InsuranceOS has a solution engineered for you.

👤 Consumer 🏢 Commercial 🏛️ Agency CRM 🧠 Underwriting AI 💼 Private Equity
Consumer Marketplace

Insurance shopping,
finally intelligent.

Compare 147+ carriers in seconds. AI recommends the right coverage at the right price. Bind in under 4 minutes.

⚡
Instant Multi-Carrier Quotes
Real-time quotes from 147 carriers. Auto, home, life, health — all in one search.
🤖
AI Coverage Advisor
Natural language AI explains every policy in plain English. No jargon.
🔒
One-Click Policy Binding
Digital signatures, instant ID cards, real-time carrier confirmation.
📱
Mobile-First Policy Wallet
All policies in one place. Claims, renewals, and documents — always on hand.
Quote Comparison Engine
Progressive
Auto · Liability + Comprehensive
$89/mo
Best Value
State Farm
Auto · Full Coverage
$102/mo
Geico
Auto · Liability + Collision
$96/mo
Travelers
Auto + Home Bundle
$147/mo
Bundle Savings
🤖 AI RECOMMENDATION
Progressive offers the best value for your profile. Switching saves ~$156/year. Bind in 3 minutes.
Commercial Insurance

Enterprise coverage,
AI-engineered.

From small business BOP to complex commercial programs. AI-driven risk scoring, automated submissions, and real-time market access.

🏗️
Commercial Lines Suite
GL, BOP, Workers Comp, E&O, Cyber, D&O, Marine — all lines in one submission.
🧮
AI Risk Scoring Engine
Proprietary risk models trained on 10M+ commercial policies. Sub-second scoring.
📤
Automated Market Submission
One ACORD form submission routed to 40+ commercial carriers simultaneously.
⚖️
Multi-State Compliance
Real-time compliance checks for all 50 states + D.C. Filing automation included.
Commercial Risk Dashboard
A+
Risk Score
$2.8M
TIV
12
Quotes Received
98%
Submission Match
Agency CRM

Run your agency
on autopilot.

Pipelines, renewals, commissions, e-signing, and AI outreach — the complete agency management platform replacing 7 tools at once.

📋
Policy Lifecycle Manager
Renewals, endorsements, cancellations automated with 60/30/7 day triggers.
💰
Commission Tracker
Real-time commission tracking, producer splits, override calculations.
📞
AI Outreach Engine
AI writes renewal emails, cross-sell campaigns, and win-back sequences automatically.
✍️
E-Signature + Binding
DocuSign-level e-signing built in. Bind, sign, and deliver in one flow.
Agency Pipeline
42
New Leads
28
Quoting
15
Proposal
9
Bound
This Month's Commission
$48,240
▲ +18% vs last month
Underwriting AI

Decisions in
milliseconds.

Proprietary AI models trained on 50M+ policies. Instant risk scoring, dynamic pricing, and automated appetite matching.

⚡
Sub-Second Risk Scoring
200+ risk variables processed in <80ms. No human bottleneck.
🎯
Appetite Matching Engine
Automatically routes risks to carriers whose appetite matches — higher bind rates.
📊
Dynamic Pricing Models
Real-time pricing adjustments based on market conditions and loss trends.
🔍
Fraud Detection AI
Anomaly detection flags potential fraud at intake — before the policy binds.
AI Underwriting Console
> underwrite.run({ risk_id: "RK-49201" })
▶ Loading risk profile...
▶ Analyzing 214 variables...
▶ Running fraud detection model...
▶ Cross-referencing loss history...
▶ Calculating premium range...
════ DECISION ════
Risk Score: A+ (92/100)
Rec. Premium: $2,840/yr
Status: AUTO-APPROVE
Time: 74ms · Model: UW-v4.2 · Conf: 98.4%
Private Equity Portal

The deal machine
for insurance PE.

AI-sourced acquisition targets, automated due diligence, valuation modeling, and post-close integration — built for the most sophisticated PE buyers in insurance.

🔭
Deal Sourcing AI
Proprietary database of 14,000+ independent agencies with revenue, EBITDA, and retention data.
📑
Automated Due Diligence
AI reads carrier agreements, policy data rooms, and financials in hours, not weeks.
💹
Real-Time Valuation Engine
DCF, revenue multiple, and EBITDA comps updated with live market transaction data.
🔄
Integration Automation
Post-close AMS migration, staff onboarding, and carrier transfer automated end-to-end.
PE Deal Dashboard
127
Targets
34
In Diligence
84
Closed
Avg. Deal Metrics
8.4x
Revenue Multiple
12.1x
EBITDA Multiple
$10.6M
Avg. Deal Size
92%
Retention Post-Close
Acquisition Command Center

The M&A engine
built for insurance.

AI-sourced targets, automated due diligence, instant valuation, and seamless integration. Compress a 6-month acquisition into 6 weeks.

Current Pipeline — All Stages
127
Prospecting
48
Initial Contact
21
Due Diligence
8
LOI Signed
3
Closing
● Active Target
Meridian Insurance Group
Independent P&C Agency · Dallas, TX · Est. 1998
$8.4M
Revenue
8.2x
Multiple
94%
Retention
AI Score: A+
● Due Diligence
Pacific Coast Brokers
Commercial Specialty · Portland, OR · Est. 2004
$12.1M
Revenue
9.4x
Multiple
91%
Retention
AI Score: A
● LOI Signed
Heartland Benefits Corp
Employee Benefits · Chicago, IL · Est. 2001
$6.8M
Revenue
7.8x
Multiple
96%
Retention
AI Score: A+
● Closed ✓
Summit Risk Advisors
Surplus Lines · Denver, CO · Est. 1994
$14.2M
Revenue
11.2x
Multiple
98%
Retention
Closed Feb 2026 · $159M
● Active Target
Coastal Marine Underwriters
Marine & Specialty · Miami, FL · Est. 2009
$4.1M
Revenue
7.2x
Multiple
89%
Retention
AI Score: B+
● Due Diligence
NorthStar Insurance Solutions
Personal Lines · Minneapolis, MN · Est. 1997
$9.7M
Revenue
8.8x
Multiple
93%
Retention
AI Score: A
Carrier Marketplace

147 carriers.
One API.

Real-time quoting, appetite matching, and policy binding across every major carrier in the US market.

⚡ Real-Time Quote Engine
LIVE
Claims Automation Center

Claims resolved.
Not just filed.

AI-first claims processing. FNOL to close in hours. 94% automated resolution rate.

📥
2,847
Total Open Claims
▲ 142 new today
✅
18.4h
Avg. Resolution Time
▼ Down 32% vs industry
🤖
94%
AI Auto-Resolved
▲ Up from 88% last quarter
💵
$12.4M
Paid This Month
On-time rate: 99.2%
Active Claims
All Auto Property Liability High-Value
Claim ID Policy Holder Type Amount Filed Status AI Action
CL-48291Marcus ThompsonAuto — Collision$18,4002h ago● Under ReviewAI Photo analysis pending
CL-48290Riverside Medical GrpCommercial GL$240,0004h ago● OpenAI Coverage verified
CL-48289Jennifer WalshHomeowners — Wind$44,2006h agoAI Auto-approved
CL-48288Apex Construction LLCWorkers Comp$92,0001d ago● Under ReviewAI Medical review queued
CL-48287Robert KimAuto — Theft$31,0001d ago● DeniedAI Fraud flag triggered
CL-48286Harbor Logistics IncMarine Cargo$180,0002d agoAI Bill of lading verified
CL-48285Sarah ChenLife — Term$500,0003d ago● Under ReviewAI Death cert verification
Investor Relations

Building the Bloomberg
of insurance.

InsuranceOS is redefining how the $1.4T US insurance market is bought, managed, and consolidated. Real-time investor dashboard below.

Annual Recurring Revenue
$48.2M
▲ +127% YoY
Gross Written Premium
$4.2B
▲ +31% YoY
Platform Valuation
$840M
Series C · 2026
Net Revenue Retention
138%
▲ Best-in-class
Revenue Growth — Quarterly
LIVE
Q1'24    Q2'24    Q3'24    Q4'24    Q1'25    Q2'25    Q3'25    Q4'25    Q1'26
Revenue Breakdown
Platform SaaS
$22.1M
Carrier Commissions
$18.4M
M&A Fees
$5.8M
Data & Analytics
$1.9M
Key Metrics
CAC$1,240
LTV$48,600
LTV:CAC39:1
Gross Margin74%
Churn Rate2.1%/yr
Careers

Build the future
of insurance.

We're hiring builders, thinkers, and operators who want to reshape a $1.4T industry.

ENGINEERING
Senior AI/ML Engineer
Build the underwriting and fraud detection models powering 4B+ in premiums.
PythonPyTorchRemote$220K+
PRODUCT
Product Manager — Marketplace
Own the carrier API marketplace used by 2,800+ agencies nationwide.
InsurTechAPIRemote$180K+
M&A
Insurance M&A Analyst
Source acquisition targets, build valuation models, and support deal execution.
FinanceInsuranceNYC/Remote$120K+
ENGINEERING
Full-Stack Engineer
Build the platform UI and APIs that agents and carriers use daily.
TypeScriptReactRemote$180K+
SALES
Enterprise Sales Director
Close 7-figure deals with PE firms, large brokerages, and carrier groups.
EnterpriseInsuranceNYC$250K OTE
OPERATIONS
Claims Operations Lead
Oversee AI claims workflows and carrier SLA management.
ClaimsOperationsRemote$130K+
🧠
InsuranceOS AI
Online · GPT-4 + RAG
👋 Hello! I'm your InsuranceOS AI Copilot. I can help you with quotes, agency valuations, claims status, underwriting decisions, and M&A analysis.
Just now
Get a commercial quote Value my agency Check claim status Show acquisition targets
🧠