MS&AD Ventures

INSHUR is a digital insurance platform specializing in auto insurance for drivers and fleet owners. It leverages proprietary data and analytics to provide quotations, facilitate purchases, and manage insurance policies, enabling users to handle their entire insurance lifecycle via mobile devices.

Vouch, Inc. is a provider of insurance products and services specifically designed for startups and high-growth companies in the United States. Founded in 2016 and based in San Francisco, the company offers a comprehensive range of insurance solutions, including general liability, business property, directors and officers, errors and omissions, cyber coverage, crime coverage, employment practices liability, hired and non-owned auto, and fiduciary liability. Vouch operates a tech-enabled platform that facilitates access to multiple insurance carriers and provides instant quoting capabilities through its MGA brand, Corix. By integrating technology and industry expertise, Vouch aims to help startups and technology-driven businesses effectively manage risk as they scale and adapt to emerging challenges.

Founded in 2013, Artificial Labs develops software solutions for the insurance industry. Its platform enables commercial insurers to capture data accurately at the point of entry, write risks algorithmically, build contracts, and integrate with other systems. The company offers products such as Artificial Build, Artificial Distribute, Artificial Price, and Artificial Manage, along with IT consulting services.

Mulberri is an innovative business insurance solution specifically designed for Professional Employer Organizations (PEOs) and brokers. The company has developed a platform that streamlines the insurance buying process for clients, brokers, and franchises. Its user-friendly interface automates data gathering, facilitating the sending of quote requests and comparison of offers. The platform also incorporates an AI engine to enhance the monetization of PEOs, providing valuable insights and predictive analytics. By simplifying the complexities of business insurance, Mulberri aims to increase transparency and reduce costs for small to medium-sized businesses, fostering collaboration among PEOs, brokers, and insurance carriers.

Marble is an insurance management platform focused on enhancing the customer experience by offering a rewards-based membership program. This innovative approach allows users to manage their home and auto insurance policies in a single digital wallet, where they can easily compare rates and find suitable policies. By prioritizing the needs of its members, Marble aims to reduce insurance costs and provide value through its loyalty program, which also serves as an effective marketing channel for insurance companies. This dual focus ensures that users not only save money but also earn rewards as they navigate their insurance options, creating a win-win situation for both consumers and providers.

Anzen is an insurance technology company that uses artificial intelligence to underwrite and broker management liability and other specialty protections, including directors and officers, employment practices, cyber, fiduciary, crime, tech E&O, and E&O coverage. It operates a marketplace of leading carriers to competitively place coverage and streamline transactions in the specialty insurance market. Submissions can be made by a single email or a short digital form. The platform serves brokers and supports coverage for small to mid-market private companies, helping them close more deals and protect against corporate risks. In addition, it offers operations reporting and HRIS-integrated tools through software as a service, along with incident response services to help organizations identify, prevent losses, and manage liabilities.

Mulberri is an innovative business insurance solution specifically designed for Professional Employer Organizations (PEOs) and brokers. The company has developed a platform that streamlines the insurance buying process for clients, brokers, and franchises. Its user-friendly interface automates data gathering, facilitating the sending of quote requests and comparison of offers. The platform also incorporates an AI engine to enhance the monetization of PEOs, providing valuable insights and predictive analytics. By simplifying the complexities of business insurance, Mulberri aims to increase transparency and reduce costs for small to medium-sized businesses, fostering collaboration among PEOs, brokers, and insurance carriers.

Founded in 2013, Artificial Labs develops software solutions for the insurance industry. Its platform enables commercial insurers to capture data accurately at the point of entry, write risks algorithmically, build contracts, and integrate with other systems. The company offers products such as Artificial Build, Artificial Distribute, Artificial Price, and Artificial Manage, along with IT consulting services.

Redkik is a global Insurtech company focused on revolutionizing the insurance landscape for the logistics and transportation sectors. The company's platform streamlines the insurance process by eliminating the need for complex, annual policies. Instead, Redkik provides an embedded integration with licensed cargo insurance providers, allowing transport intermediaries to offer customized, on-demand cargo insurance at the moment their freight is booked. This innovative approach enables clients in the logistics and transportation industry to receive tailored and competitive per-shipment insurance quotes instantly. With a team passionate about technology and innovation, Redkik leverages expertise in risk management, machine learning, and software development to enhance the insurance experience for all stakeholders involved.

Accelerant is a data-driven insurtech and specialty insurance marketplace that operates as a wholesale risk exchange, connecting selected specialty underwriters with risk capital partners to provide capacity for insured pools. The platform leverages granular policy data and analytics to deliver risk insights, support long-term capacity commitments, and maintain a diversified portfolio with low catastrophe and systemic risk. Based in London, Accelerant serves North America and the UK/EU, with emphasis on the UK and EU markets for revenue. It was founded in 2018 and has earned an AM Best rating of A- (Excellent).

Vesttoo Ltd is a Tel Aviv-based company that operates an artificial intelligence-driven financial risk management platform. Established in 2018, Vesttoo focuses on creating a marketplace for non-catastrophic insurance-based risk transfer and investments, connecting insurance companies with institutional investors. Its proprietary technology enhances risk transfer and liquidity in the life and property & casualty insurance markets by facilitating faster deal structuring, risk modeling, pricing, and index calculation. Vesttoo provides a range of solutions that cater to the legal, regulatory, and accounting needs of its clients, which include insurers, reinsurers, and pension funds. By offering asset managers access to diverse, uncorrelated investment options linked to insurance and reinsurance premiums, the company positions itself as a significant alternative to traditional reinsurance models. Vesttoo's innovation has garnered recognition through participation in prestigious fintech accelerators and collaborations with industry leaders, further establishing its role in merging insurance with capital market dynamics.

Covie develops a platform that connects innovative businesses to insurance data. Its solution retrieves and validates insurance records in real-time from issuing carriers, allowing users to work with data from any of its growing list of insurers through a single integration.

Marble is an insurance management platform focused on enhancing the customer experience by offering a rewards-based membership program. This innovative approach allows users to manage their home and auto insurance policies in a single digital wallet, where they can easily compare rates and find suitable policies. By prioritizing the needs of its members, Marble aims to reduce insurance costs and provide value through its loyalty program, which also serves as an effective marketing channel for insurance companies. This dual focus ensures that users not only save money but also earn rewards as they navigate their insurance options, creating a win-win situation for both consumers and providers.

Carro is an automotive marketplace that offers a full-stack service for all aspects of car ownership. It challenges the traditional way of buying and selling of cars through a proprietary pricing algorithm. Carro also provides a range of services that offer everything a car owner needs throughout their car ownership journeys such as an in-house financing solution warranty options and Singapore’s first on-demand roadside recovery platform. The company was founded in 2015 and is headquartered in Singapore.

Bambi's data driven white label cloud platform enables insurance companies, OEM's, mobility service providers and their ecosystem to offer their consumers dynamic, personalized, data driven and quickly implemented vehicle insurance products. We received insurance product of the year 2020 award for our UBI insurance product and were chosen to be the Insure-My-Tesla partner in Israel. Fitted to the fast-changing mobility and transportation landscape, the platform provides assembling and operating personalized insurance products for private and commercial vehicles, new mobility models like MaaS, ride-hailing services, car-sharing, e-scooters, delivery and other future models. Being in the intersection of the new mobility/insurance ecosystem, with data & connectivity, and with flexible product design, we enable to create new appealing digital insurance products that could not be created before. Working in B2B2C and B2B models, we characterize the insurance products with our partners, setup the platform, integrate it with the IT systems and with the relevant data points. With omni-channel capabilities and cross platform applications (web, mobile apps), we offer a full suit including underwriting, pricing, policy admin, operations, initiation of claim processes and more. Our personalized insurance products are amongst others characterized with On-Demand and UBI solutions for motor and none-motor insurance products in the P&C insurance business lines.

MDGo Ltd is a technology company based in Haifa, Israel, established in 2017, that specializes in trauma analysis systems for vehicles. The company utilizes existing vehicle sensors to generate comprehensive reports following car accidents, detailing the accident mechanism, external and internal damages, and the severity of passengers' injuries. This information is automatically transmitted to first responders and relevant hospitals, facilitating immediate medical attention, which has the potential to significantly reduce road fatalities. Additionally, MDGo's platform offers a unique advantage for original equipment manufacturers (OEMs) by creating new revenue streams through the automation of insurance claims processes, thereby enhancing the efficiency of insurers in managing claims.

Carro is an automotive marketplace that offers a full-stack service for all aspects of car ownership. It challenges the traditional way of buying and selling of cars through a proprietary pricing algorithm. Carro also provides a range of services that offer everything a car owner needs throughout their car ownership journeys such as an in-house financing solution warranty options and Singapore’s first on-demand roadside recovery platform. The company was founded in 2015 and is headquartered in Singapore.

Hippo Insurance offers innovative home insurance solutions, leveraging real-time data and smart home technology to enhance protection for homeowners. Headquartered in Palo Alto with offices in Texas, it provides comprehensive coverage, including electronics, appliances, water backup, and service line protection. Hippo operates as an insurance agent with products underwritten by various companies, serving over 80% of U.S. homeowners across 37 states.

Thimble Insurance Services, founded in 2015 and based in New York, offers on-demand insurance solutions tailored for small businesses and independent workers. The company provides A-rated liability coverage across more than 100 professions, including landscapers, beauticians, dog walkers, handymen, DJs, and musicians. Thimble's flexible and versatile insurance products cater to the unique needs of freelancers and contractors, allowing them to secure coverage for specific jobs on a short-term basis. Originally recognized for pioneering drone insurance, Thimble has evolved to become a comprehensive partner for small businesses navigating the on-demand economy. As a licensed insurance broker, Thimble operates in all 50 states and the District of Columbia, ensuring that policy details, eligibility, and pricing are accessible through its app.

WorldCover is a company dedicated to providing satellite-enabled insurance solutions to farmers, particularly in developing countries, safeguarding them against the financial impacts of droughts and other climate-related risks. Founded by professionals with backgrounds in computer science and finance from MIT, WorldCover addresses a significant challenge within the $100 billion climate risk landscape by improving food and income security for smallholder farmers. More than 70% of the 2.5 billion individuals at the "base of the pyramid" depend on agriculture for their livelihoods. By leveraging remote sensing and advanced risk modeling, WorldCover's platform simplifies access to affordable crop insurance, thus allowing farmers to better protect their livelihoods from natural disasters.

AkinovA Limited is a company that has developed an independent electronic marketplace for the transfer and trading of re/insurance risks. Founded in 2017 and based in Marylebone, United Kingdom, AkinovA aims to enhance the efficiency of the insurance value chain by facilitating connections among brokers, capital market participants, and insurance providers. The platform allows users to provide insurance advisory services, manage their client bases, and optimize capital and risk management. By collaborating with leading industry players such as Hiscox and MS&AD Insurance Group, AkinovA seeks to drive market growth while minimizing frictional costs and expediting the execution of insurance transactions. The company is supported by an experienced Advisory Board with expertise in insurance, capital markets, and technology.

ELEMENT Insurance AG is a digital insurance provider based in Berlin, Germany, founded in March 2017. The company specializes in creating white-label insurance products and is recognized as a leader in insurance digitalization. Licensed by the German Federal Financial Supervisory Authority, ELEMENT operates as a direct insurer for non-life insurance across 28 European countries, allowing it to manage risks and settle claims directly. ELEMENT's innovative technology platform, referred to as 'Insurance as a Platform,' supports a B2B2X model, enabling various partners—from e-commerce businesses to traditional insurers—to develop and market customized insurance solutions under their own brands. The platform streamlines the insurance value chain, addressing key functions such as actuarial calculations, underwriting, policy administration, customer service, and claims management, thereby enhancing efficiency and reducing complications within the industry.

Skopenow, Inc. is a New York-based company founded in 2016 that specializes in developing a people search engine for social media investigations aimed at detecting fraud. Its analytical search engine provides fraud detection and risk evaluation services, primarily serving the insurance and legal sectors. The platform utilizes open-source intelligence to generate comprehensive analytical reports based on a person's name and location, offering profiles, photos, and relevant locations. This capability allows organizations to efficiently identify fraudulent activities within social media and the broader open web.