Coverage that flips on when the workout does
Insurance for the wearables ecosystem. Activity-triggered AD&D for the runners and lifters, device protection for the ring or watch itself, and hospital indemnity for the events the wearable detected first. Priced per session, per device, per wearer, all bound from your app.
Median latency for turn-on-at-session-start AD&D coverage events.
Blended cost of AD&D coverage on a wearable workout. Filed in all 50 states.
Median time from wearable-triggered claim to funds on the linked account.
Per-session policies activated monthly across Sure's wearables partners.
Coverage that ships with the device
Whether you ship a ring, a watch, or a connected health device, the platform has a shape that fits. Same underwriting, same ledger, three in-flow surfaces.
- AD&D · principal$100,000
- Hospital indemnity$5,000/day · 30 day max
- Active windowHR > 100 · app on wrist
- Cost · this session$0.04
Coverage that turns on with the heart rate
AD&D for runners, lifters, cyclists, and swimmers. Live whenever the wearable says the wearer is active, dormant when it's off the wrist, claim-able from the same app that started the workout.
- Activity events from the wearable trigger coverage on and off.
- Per-session pricing. Filed in all 50 states.
- Claim with the activity record the wearable already keeps.
- Device value$429
- CoverageTheft, damage, water
- Replacement turnaround3 business days
- Cost$3.40 / mo
Cover the ring, the watch, the patch
Embedded device protection for the wearable itself. Theft, damage, water loss, accidental drop. Sold at activation, claimed in-app, replaced through the partner's existing fulfillment rail.
- Theft, damage, accidental loss, and water damage.
- Replacement ships through the partner's normal fulfillment.
- Filed as a service contract or insurance, the partner's call.
// Auto-pay on a fall-detection event$ POST …/v2/wearables/event \$ -d '{"signal":"fall","severity":"high","hr":42}'decision: auto-approve · indemnity $5,000payout method: linked debit cardelapsed: 4m 12s
Hospital indemnity, paid out from the activity log
When the wearable's data shows a covered event, a fall, an arrhythmia, a heat-stress incident, hospital indemnity pays out to the wearer's linked account. The activity log is the claim packet. The adjudication is rules-driven.
- Wearable events feed the rules engine directly.
- Auto-adjudicated payouts on covered triggers.
- Filed indemnity products. No PHI leaves the partner's platform.
Built into the wearables alreadyon the wrist on the wrist
Prebuilt connectors for the systems wearables companies actually use. Drop in a handful of keys. Skip the integration tour.
Activity events feed coverage triggers.
Native partner SDK for in-app claims.
Per-session and monthly billing on the partner rail.
Account verification for indemnity payout.
Agents can adjudicate from a ticket.
Agents can quote, advise, adjudicate.
“We selected Sure because their platform supports our ability to deliver a modern digital experience while maintaining the discipline and strength that define Jewelers Mutual. This collaboration allows us to bring our specialized jewelry insurance product to market in a way that meets evolving customer expectations, while staying grounded in the expertise and purpose that have guided us for more than a century.”
Price coverage by the session. Bind it on the wrist
Learn more about how Sure can launch your wearables program in weeks, not months.