Risk & Underwriting Intelligence

Stop Pitching to Local Brokers.
Get Verified InsurTech ICPs.

Standard "Insurance" lists are 90% 1-person local agents and retired adjusters. Our AI agents verify Managing General Agent (MGA) licenses, claims automation SDKs, and reinsurance connectivity to find verified Digital Carriers, Full-Stack MGAs, and Claims Tech builders.

The "Premium" Data Blur

Why firmographic filters miss the high-tech risk builders.

Targeting "Insurance Services" returns thousands of businesses with zero IT budget. You need to know what they underwrite and how they process.

If you are selling fraud detection, claims APIs, or policy-admin cloud, you need the builders:

  • Independent Local Agents (B2C)
  • Personal Injury Law Blogs
  • Inactive Regional Mutuals
Metric Standard "Insurance" List Our ICP Database
Classification Broad (SIC 64) Carrier vs. MGA vs. Claims SaaS
Tech Signals None Guidewire / Duck Creek / Socotra Verification
Buying Center Agent Chief Risk Officer / CTO
Maturity Unknown VC Funding & Reinsurance API Check

20 High-Value InsurTech ICPs

Target builders of the future of risk management.

Full-Stack Digital Carriers

Lemonade/Root competitors. Own the risk. Targets for high-end DBs, reinsurance rails, and automated underwriting AI.

Digital MGAs (Managing General Agents)

Tech-native risk pools (Coalition/Kin clones). Targets for policy-admin SaaS, specialized data feeds, and API connectivity.

Claims Automation SaaS

Software solving the "First Notice of Loss" (FNOL). Targets for OCR APIs, video processing, and fraud detection AI.

Embedded Insurance Startups

Insurance-as-a-Service (API-first). Targets for merchant data feeds, payment gateways, and mobile SDKs.

Cyber Insurance Startups

Focus on digital risk. Targets for threat intel APIs, security scanning data, and active monitoring tech.

Policy Admin Systems (SaaS)

Socotra/BriteCore alternatives. Core infra. B2B targets for dev tools and White-label API packages.

Insurance Fraud Analytics

SIU software for carriers. Targets for high-end vector databases, legal datasets, and identity resolution.

Telematics & UBI Tech

Pay-how-you-drive platforms. Targets for cellular IoT SIMs, GPS data APIs, and real-time mapping.

Reinsurance Marketplaces

Fintech for risk transfer (Tremor clones). Targets for capital market data and blockchain timestamping.

Life & Health InsurTech

Wellness-based underwriting. Targets for health wearable APIs, EMR data, and biometric tech.

PropTech Insurance Startups

Home and title insurance tech. Targets for property data APIs, localized weather feeds, and GIS data.

Insurance CRM & Agency Ops

Software for brokers (Vertafore alternatives). Targets for SMS/Email APIs and localized SEO data.

Parametric Insurance Tech

Auto-payouts based on triggers (Weather/Flight). Targets for satellite data and oracle networks.

AI Underwriting Assistants

Gen-AI for risk assessment. Targets for LLM compute and specialized insurance knowledge bases.

InsurTech Incubators & VC

Specialized funds (e.g. IA Capital). Targets for portfolio data and deal-flow portals.

Regulation Tech (Insurance)

Software for state filings and SERFF. Targets for legislative data feeds and compliance auditing.

Global Captive Mgmt SaaS

Software for corporate self-insurance. Targets for global banking data and tax tools.

Circular Economy Insurance

Insuring second-hand goods and resale. Targets for authentication AI and localized logistics.

InsurTech Private Equity

Investing in carrier portfolios and SaaS. Targets for due diligence and recurring revenue data.

Fractional Underwriting Firms

Consultants building the tech stack. B2B targets for dev tools and partner data.

Anatomy of a High-Value InsurTech Lead

In InsurTech, the "Underwriting Logic" and "License Type" define the buying center. A company with a Managing General Agent (MGA) license and active Webhook support is a top-tier account.

We extract these "Risk Signals" to help you find the builders.

Tech Fingerprints

  • Platform: Detection of Guidewire, Duck Creek, or Socotra signatures.
  • Sync: Usage of ACORD standards, FHIR (for health), or specialized Serff sync.
  • ID: Integration with LexisNexis, Verisk, or specialized fraud-prevention APIs.

Growth Signals

  • Funding: Series A/B/C match via Crunchbase for "InsurTech" or "Fintech" tags.
  • Search Vol: >100k monthly visits with high "Policy" intent keywords.
  • Hiring: Open roles for "Actuarial Data Scientist," "Compliance Officer," or "Underwriting Manager."

Outreach Strategy: The "Automation" Play

If you sell a claims-OCR tool, filter for MGAs with high traffic but no "Digital Claims" or FNOL portal mention.
Pitch: "Reduce your claims processing cost by 40% by moving your manual FNOL entry to our automated vision layer, verified against ACORD standards..."

Verification: The "Builder" Check

We distinguish between companies that sell policies and companies that code risk.

  • GitHub Presence: Are they publishing open-source actuarial models or API SDKs?
  • Documentation: Comprehensive API or Developer references for their risk platform.
  • Ratings: Active presence on AM Best (for carriers) or G2 (for SaaS) with verified reviews.

This ensures you don't waste time on a local insurance broker that happens to have a "Tech" category on their blog.

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