FJ Labs

OCHO is an auto insurance provider focused on affordable, fair, and credit-building coverage. The company offers auto insurance with zero down payments and lower premiums, and provides options that reduce security deposits for rent and eliminate deposits for utilities, enabling customers to secure assets at a low and fair price. By combining accessible pricing with credit-building benefits, OCHO serves customers who may have limited credit histories while simplifying the path to vehicle protection and related assets.

OCHO is an auto insurance provider focused on affordable, fair, and credit-building coverage. The company offers auto insurance with zero down payments and lower premiums, and provides options that reduce security deposits for rent and eliminate deposits for utilities, enabling customers to secure assets at a low and fair price. By combining accessible pricing with credit-building benefits, OCHO serves customers who may have limited credit histories while simplifying the path to vehicle protection and related assets.

Cleverea is a neoinsurer specializing in property & casualty (P&C) insurance for the millennial generation. It operates a B2B2C model, partnering with neobanks, insurers/insurtechs, brokers, airlines, and other entities to distribute innovative insurance products across various customer touchpoints.

OCHO is an auto insurance provider focused on affordable, fair, and credit-building coverage. The company offers auto insurance with zero down payments and lower premiums, and provides options that reduce security deposits for rent and eliminate deposits for utilities, enabling customers to secure assets at a low and fair price. By combining accessible pricing with credit-building benefits, OCHO serves customers who may have limited credit histories while simplifying the path to vehicle protection and related assets.

Poncho Insurance is an independent insurance broker based in Australia, established in 2017. The company specializes in flexible car insurance and home contents insurance. Its car insurance policies protect vehicles from damage, theft, and fire, while the home contents insurance covers a range of items including appliances, furniture, jewelry, clothing, and collectibles. Poncho Insurance leverages technology to simplify the process of understanding insurance and finding optimal coverage, combining the efficiency of digital tools with the expertise of human brokers. Although Poncho does not underwrite insurance policies, it provides valuable guidance to customers in obtaining comprehensive and competitively priced insurance solutions.