Insurance startups in San Francisco Bay Area

Corgi

San Francisco

Corgi is an AI financial infrastructure company focused on building AI-enabled financial infrastructure, placing it at the intersection of artificial intelligence and finance.

Stand Insurance

San Francisco

The company protects and insures homes against wildfire and hurricane risks by applying physics and AI to model true property risk, enabling more homes to be insurable.

Nirvana Insurance

San Francisco

Nirvana is on a mission to harness the power of data to revolutionize commercial insurance and enable a safer world. We are bringing much-needed innovation into the legacy, trillion-dollar commercial insurance industry. We have developed cutting-edge predictive models that use real-time IoT data from billions of connected devices, allowing us to better understand and price risk. Our AI-driven platform fundamentally changes the way an insurance company operates with personalized risk scoring, faster underwriting, modernized claims, and proactive, data-driven insights to help customers prevent accidents. We’ve already proven the scale—reaching well over $100 million in premiums and more than doubling year over year. Our data moat is growing exponentially with more than 20 billion miles of telematics data, leading to more predictive models and new insights into how we can better understand and reduce risk. Altogether, our loss ratio, efficiency, and customer experience are redefining what can be done in the industry. With $170+ million raised, including an industry-leading Series C round in January 2025, we’re only accelerating our growth, with strong support from top-tier VCs including Lightspeed, General Catalyst, and Valor. Nirvana’s leadership team has previously helped scale multi-billion-dollar companies from scratch, including Samsara, Rubrik, and Flexport, and includes industry veterans from Hiscox, The Hartford, and RLI.

Federato

Palo Alto

Federato is the only AI-native platform that spans the full policy lifecycle, covering the entire policy process from start to finish. It claims to change how insurance work is done.

Further

San Francisco

FurtherAI is a domain-specific AI company for the insurance industry, helping insurers, reinsurers, MGAs, and brokers drive better decisions at scale. Backed by a16z, Y Combinator, Nexus, and Converge, it supports customers writing over $15

Stream

San Francisco

Stream Platforms, Ltd is a B Corporation delivering fair financial services and modernizing insurance, whose Stream platform serves three million people through 2,000 brands across UK, Europe and the US, backed by YC and investors as a fina

Adapt API

San Francisco

Adapt provides an infrastructure layer for the property and casualty insurance industry, enabling digitization for traditional insurers and insurtechs; a small team of 11, pursuing the future of insurance.

Vouch Insurance

San Francisco

Insurance... sounds slow, old-fashioned, and unexciting. Exactly. Insurance is broken, and it's failing fast-moving startups and growing technology companies. Vouch is a new, technology-first insurance company backed with $185M in funding from world-class investors. Like Stripe for payments or Brex for credit cards, Vouch is creating the go-to business insurance for high-growth companies. We're doing this by making insurance fast, responsive, and focused on our customers -high growth and innovative companies. Instead of printed PDF applications and week-long waits, Vouch is building new technology to solve real problems, writing policies that actually cover relevant startup scenarios, and designing simple experiences in an otherwise frustrating industry.

Tint

San Francisco

Tint empowers tech platforms to offer intrinsic embedded insurance - protecting their users from the inherent risks of using their platforms. We offer infrastructure to support a wide range of embedded programs and provide expert guidance - helping companies build efficient, compliant and profitable programs.

Ladder

Palo Alto

Flexible life insurance in minutes.

Layerup

San Francisco

Layerup builds AI Agents for critical industries, starting with financial services and insurance, backed by investors including Y Combinator, Pioneer Fund, and Founders Inc. It has built AI apps, robots, and drones and was invited by NASA f

Angle Health

San Francisco

Angle Health, a San Francisco-based health plan experience founded in 2019, modernizes and simplifies health insurance, delivering a frictionless, transparent, and humane experience and positioning itself as a trustworthy partner in healthc

TrustLayer

San Francisco

TrustLayer is a collaborative risk-management platform that reduces friction between businesses and builds trust between users and their counterparties.

COVU

Redwood City

COVU provides technology, real-time service, and sales support to insurance agencies to help them thrive, delivering a holistic, customer-focused experience and helping agencies compete amid industry disruption.