Vertical software platforms
Add coverage to your checkout without building an insurance back office.
The AI-native insurance company built for the embedded economy.
For vertical software platforms, MGAs, insurance distributors, and the capital providers behind them.
WHY NOW
We estimate embedded insurance could grow 30% annually over the next decade, with non-auto opportunities growing even faster at 50%–100%+. Small premiums, massive transaction volumes, and rapid growth demand infrastructure that legacy systems can’t deliver.
AI-NATIVE
One integrated system replaces the patchwork: AI automates the workflows, and APIs connect MGAs, platforms, and capital providers. It lowers the cost of launching and running a program, so more products become viable.
WHAT IT DOES
Capacity from capital providers, sized for small, high-volume products.
Actuarial pricing and risk selection for each program.
Placed behind each program, with terms you can read.
See how each program is performing while it runs.
AI handles the data-heavy work, and every open item has an owner.
Pull any policy or premium figure into your own software.
Our technology cuts the time to launch and cost to operate, unlocking capacity for programs of any size, bringing to market those the traditional carrier model can’t support.
Each figure carries where it came from and every change since.
EXAMPLE RECORD
premium.written · YS-REFUND-24 · v1.4
ONE SOURCE OF TRUTH
Changes ship as new versions with a named approver, and old versions stay on file.
SUPERSEDED · KEPT ON FILE
SUPERSEDED · KEPT ON FILE
APPROVED · PRICING LEAD
Add coverage to your checkout without building an insurance back office.
Take any size program to market on one system.
Sell the small products that never paid their way before.
Back embedded programs on numbers you can check yourself.
Led by Ethan Genteman, former Chief Actuarial Officer, who writes code.









Bring a new product, or the one that always seemed too small.