# Sure > Sure is the AI layer for insurance. The world's biggest brands are becoming the world's biggest insurance companies, and Sure is the AI platform that makes it possible. The Sure platform combines AI-native modules for underwriting, rating, claims, service, payments, and disbursements with filed insurance products that partner brands can launch under their own name. Sure (sureapp.com) is headquartered in New York and was founded in 2015. It operates as a software platform vendor for the insurance industry, not as a primary carrier. Sure-filed insurance products are written on partner carrier paper. Each linked URL below points to a clean Markdown rendering of the corresponding page at `/md/`. The full corpus is also available as a single file at [/llms-full.txt](/llms-full.txt). This index regenerates on every request, so newsroom updates and new pages flow through automatically. --- # Sure Platform > Overview of the Sure Platform: AI-native modules across the full insurance lifecycle, from product config and rating through claims, service, and payments. Canonical URL: https://www.sureapp.com/platform --- # Platform overview > Index of every module that ships with the Sure Platform. Canonical URL: https://www.sureapp.com/platform/overview --- # Insurance products > Sure-filed insurance products available to launch under your own brand, including renters, homeowners, auto, commercial liability, and more. Canonical URL: https://www.sureapp.com/products --- # Industries > How the Sure Platform fits into specific industry workflows — auto, real estate, property management, fintech, travel, gig economy, ecommerce, commercial, and wearables. Canonical URL: https://www.sureapp.com/industries --- # Partners > Sure's carrier and distribution partners, including the carriers behind Sure-filed products. Canonical URL: https://www.sureapp.com/partners --- # About Sure > Who Sure is: a New York-headquartered insurtech company founded in 2015, building the platform layer for digital and embedded insurance. Canonical URL: https://www.sureapp.com/company/about --- # Careers at Sure > Open roles across engineering, product, design, insurance operations, and go-to-market. Canonical URL: https://www.sureapp.com/company/careers --- # Contact Sure > How to reach Sure for partnership, press, support, and general inquiries. Canonical URL: https://www.sureapp.com/company/contact --- # Newsroom > Latest news, press releases, blog posts, and case studies from Sure. Canonical URL: https://www.sureapp.com/newsroom --- # Privacy policy > How Sure collects, uses, and protects personal information. Canonical URL: https://www.sureapp.com/privacy-policy --- # Terms of use > Terms governing use of sureapp.com and Sure's services. Canonical URL: https://www.sureapp.com/terms-of-use --- # Licenses > Sure's producer licenses and regulatory disclosures by state. Canonical URL: https://www.sureapp.com/licenses --- # Tenant coverage, embedded at lease > HO-4 policies bound at lease signing, written by our renters carriers on Sure's filed rates. Proof of coverage reaches the landlord in seconds, and the renter walks away with a policy in the same flow. Canonical URL: https://www.sureapp.com/products/renters Product slug: renters Category: Insurance products ## Renters programs, filed state by state Every form number, every version, every state. Regulator approved. Filing coverage: 50 / 51. States with a live, filed renters program on the Sure platform today. Forms on file: - SU-RN-001 (live, v25.2) — HO-4 tenant policy, broad form - SU-RN-002 (live, v25.0) — HO-4 named peril, budget tier - SU-RN-003 (live, v24.8) — Pet damage liability endorsement - SU-RN-004 (live, v24.4) — Replacement cost endorsement - SU-RN-005 (live, v24.1) — Identity theft rider - SU-RN-006 (live, v25.1) — High-value contents schedule ## What a Sure renters policy actually covers Standard limits shown below. Every line is configurable at the program level. Change the deductible, raise the limit, add a rider, and Sure re-rates and refiles. Premiums and available limits vary by state. ### Contents & liability, standard HO-4 — Core - Personal property: $25k (Your stuff, replacement cost) - Personal liability: $100k (Bodily injury and property) - Loss of use: $5k (Additional living expenses) - Medical to others: $1k (Guest injury on premises) - Contents deductible: $250 (Per-claim) - Landlord proof: ≤ 4 sec (Delivered to property manager) ### Endorsements — Optional - Scheduled personal property: Rider (Jewelry, cameras, instruments) - Pet damage liability: $25k (Dog bite and property) - Water backup: $5k (Sewer or drain overflow) - Earthquake: Rider (Where filed) - Identity theft: $15k (Monitoring and resolution) - Bedbug treatment: Rider (NYC and metro markets) _Coverages, rates, and limits vary by state._ ## What the policyholder lives in The bind is the easy part. Rent-cycle billing, landlord proof of coverage, and move events are where most renters programs fall apart. When built on Sure, renters insurance stays in lockstep with tenant apps, keeping policyholders covered. ### Self-service that your team doesn't have to staff Renters pull proof of coverage for the landlord, file claims, and update roommates or address inside the partner's app. Claims AI handles triage in the background, and the partner sees status without owning the queue. - First-notice-of-loss in two taps, routed straight to Claims AI - Live proof of coverage to the landlord, downloadable as PDF - Mid-term changes (address, roommates, limits) without rebuilding the quote - Service handoffs to live agents stay inside the partner's brand ## Launch a renters program, filed and writing in weeks Learn more about how your renters program can go live in weeks, not months. Built for brands and carriers ready to ship. Primary action: Talk to Sure --- # Dwelling, liability, and contents > HO-3 and HO-5 policies for owner-occupied homes, written on filed forms and rated on the same engine that runs every other line on Sure. Partner brands distribute. Sure does the rest. Canonical URL: https://www.sureapp.com/products/homeowners Product slug: homeowners Category: Insurance products ## Homeowners, filed for nationwide distribution Every form number, every version, every state. Regulator approved. Filing coverage: 44 / 51. States with a live, filed homeowners program on the Sure platform today. Remaining jurisdictions are in filing. Forms on file: - SU-HO-001 (live, v24.5) — HO-3 special form, owner-occupied - SU-HO-002 (live, v24.2) — HO-5 comprehensive form - SU-HO-003 (live, v24.0) — Dwelling DP-3, rental property - SU-HO-004 (live, v23.9) — Water backup endorsement - SU-HO-005 (live, v25.0) — Wildfire zone supplement (CA, OR, CO) - SU-HO-006 (live, v24.3) — Ordinance or law coverage ## What a Sure homeowners policy actually covers Standard limits shown below. Every line is configurable at the program level. Raise a limit, change a deductible, add a rider, and Sure re-rates and refiles. ### Dwelling and liability, HO-3 — Core - Dwelling (Coverage A): $450k (Replacement cost) - Other structures (B): $45k (Fence, shed, detached garage) - Personal property (C): $225k (Contents) - Loss of use (D): $90k (Temporary housing) - Personal liability (E): $300k (Per occurrence) - Medical payments (F): $5k (To others, per person) ### Endorsements and supplements — Optional - Water backup: $10k (Sewer, drain, sump) - Service line: $10k (Underground utilities) - Equipment breakdown: $50k (HVAC, appliances) - Wildfire defense: CA, OR, CO (Pre-emptive treatment) - Ordinance or law: 10% of A (Building code upgrades) - Scheduled jewelry: Rider (Agreed value, no deductible) _Coverages, rates, and limits vary by state._ ## What the policyholder lives in Binding the policy is the easy part. Renewals, mortgage refis, and mid-term endorsements are where most homeowners programs unravel. On Sure, the partner's app stays in the loop from first payment through every coverage change. ### Self-service that your team doesn't have to staff Homeowners file claims, request mortgagee letters, and adjust coverage limits inside the partner's app. Claims AI triages losses in the background, and the partner sees status without owning the queue. - First-notice-of-loss in two taps, routed straight to Claims AI - Mortgagee letters and evidence of insurance generated in-app - Mid-term endorsements without rebuilding the quote - Service handoffs to live agents stay inside the partner's brand ## Launch a homeowners program, filed and writing in weeks Learn more about how your homeowners program can go live in weeks, not months. Built for brands and carriers ready to ship. Primary action: Talk to Sure --- # Personal and commercial auto, one platform > Personal lines, commercial fleets, TNC, rideshare, delivery. One rating engine, one bind flow, fifty states of filings. From your dealership to a policyholder's claim payout, everything is handled by Sure. Canonical URL: https://www.sureapp.com/products/auto Product slug: auto Category: Insurance products ## Auto programs, filed state by state Every form number, every version, every state. Regulator approved. Filing coverage: 47 / 51. States with a live, filed auto program on the Sure platform today. Forms on file: - SU-AU-001 (live, v24.3) — Personal Auto Policy: private passenger - SU-AU-002 (live, v24.1) — Commercial Auto: fleet endorsement - SU-AU-003 (live, v23.9) — TNC / rideshare supplement - SU-AU-004 (live, v24.2) — Non-owned auto liability - SU-AU-005 (live, v23.4) — Mexico coverage endorsement - SU-AU-006 (beta, v25.1) — Telematics-rated pay-per-mile ## What a Sure auto policy actually covers Standard limits shown. Every line is configurable at the program level. Change the deductible, raise the limit, add a rider. Sure handles everything. ### Liability & property, standard auto — Required - Bodily injury liability: $100k / $300k (Per person / per accident) - Property damage liability: $50k (Per accident) - Collision coverage: $500 (Deductible) - Comprehensive: $250 (Theft, weather, glass) - Uninsured motorist: $100k / $300k (Per person / accident) - Medical payments: $5k (Per person) ### Program-specific endorsements — Optional - Rideshare period 1–3: Included (TNC app on, passenger, drop-off) - Delivery / courier use: Rider (Last-mile, restaurant, grocery) - Rental reimbursement: $40 / $1.2k (Per day / per claim) - Roadside assistance: Included (Towing, lockout, jump-start) - Gap coverage: Rider (Lease / finance gap) - OEM parts guarantee: Rider (Repair with original parts) _Coverages, rates, and limits vary by state._ ## What the policyholder lives in The bind is the easy part. Renewals, endorsements, and first-notice-of-loss are where most programs fall apart. When built on Sure, insurance products live within a brand's experience. ### Self-service that your team doesn't have to staff Drivers file claims, pull ID cards, and adjust limits inside the brand's app. Claims AI handles triage in the background. Partners see statuses without owning queues. - First-notice-of-loss in two taps, routed straight to Claims AI - Live coverage and ID cards, downloadable as PDFs - Mid-term endorsements without rebuilding the quote - Service handoffs to live agents stay inside the partner's brand ## Launch an auto program, filed and writing in weeks Learn more about how your auto program can go live in weeks, not months. Built for brands and carriers ready to ship. Primary action: Talk to Sure --- # Systems and appliances, covered on call > Service-contract coverage for HVAC, plumbing, electrical, and major kitchen and laundry appliances. Filed as a warranty product where permissible, as insurance where regulators require it. Breakdown from normal use, not perils. Canonical URL: https://www.sureapp.com/products/home-warranty Product slug: home-warranty Category: Insurance products ## Home warranty programs, filed state by state Every form number, every version, every state. Regulator approved. Filing coverage: 38 / 51. States with a live, filed home warranty program on the Sure platform today. Forms on file: - SU-HW-001 (live, v24.7) — Major systems, HVAC, plumbing, electrical - SU-HW-002 (live, v24.5) — Major appliances, kitchen and laundry - SU-HW-003 (live, v24.3) — Combined systems and appliances - SU-HW-004 (live, v24.8) — Premium plan, unlimited service calls - SU-HW-005 (live, v24.1) — Pool and spa equipment rider - SU-HW-006 (draft, v25.0) — Whole-home electronics, TVs and smart-home ## What a Sure home warranty actually covers Standard limits shown. Every line is configurable at the program level. Change the deductible, raise the limit, add a rider. Sure re-rates and refiles. ### Combined plan, systems and appliances — Most chosen - HVAC: $3k / event (Central AC, heat pump, furnace) - Plumbing: $2k / event (Lines, fixtures, water heater) - Electrical: $2k / event (Panels, wiring, outlets) - Kitchen appliances: $2k / event (Refrigerator, range, dishwasher) - Laundry: $1.5k / event (Washer, dryer) - Service call fee: $75 (Per visit) ### Optional riders — Add-on - Pool and spa: $1.5k / event (Pump, heater, filter) - Well pump: $1k / event (Motor, pressure tank) - Septic system: $750 / event (Pumping, mainline) - Roof leak repair: $500 / event (Patch, no replacement) - Smart-home electronics: $750 / device (TVs, controllers, sensors) - Unlimited service calls: Plan upgrade (Replaces per-visit fee) _Coverages, rates, and limits vary by state._ ## What the policyholder lives in The AC dies on a Saturday afternoon and the homeowner needs a tech at the door by Monday. The partner's app handles dispatch, not a call center. Sure powers the workflows behind it all. ### Self-service that your team doesn't have to staff Homeowners request service visits, file claims, and adjust covered systems inside the partner's app. Claims AI routes the work order to a contractor in the background. - Service requests dispatched in two taps - Live plan terms and covered-systems list - Mid-term plan adjustments without re-shopping - Agent handoffs stay inside the partner's brand ## Launch a home warranty program, filed and writing in weeks Learn more about how your home warranty program can go live in weeks, not months. Built for brands and carriers ready to ship. Primary action: Talk to Sure --- # Commercial liability, filed and bindable > Property and general liability for small business, written on carrier paper. Quote-to-bind built to fit the flows your customers already use. Canonical URL: https://www.sureapp.com/products/commercial-liability Product slug: commercial-liability Category: Insurance products ## Small-business BOP, filed state by state Carrier-papered, Sure-rated. Every form, every version, every state we write today. Regulator approved. Filing coverage: 38 / 51. States with a live, filed the BOP program writing on the Sure platform today. Forms on file: - SU-BOP-001 (live, v25.2) — BOP standard: property + general liability - SU-BOP-002 (live, v25.0) — Business income and extra expense endorsement - SU-BOP-003 (live, v24.9) — Cyber liability rider - SU-BOP-004 (live, v24.6) — Employment practices liability endorsement - SU-BOP-005 (live, v25.1) — Equipment breakdown rider - SU-BOP-006 (live, v24.8) — Data breach response endorsement ## What a Sure BOP actually covers Standard limits shown. Every line is configurable at the program level. Raise the limit, add a rider, change the deductible. Sure re-rates and refiles. ### Property and liability: standard BOP — Core - Building and contents: $500k (Owned or leased premises) - Business personal property: $100k (Inventory, equipment, furniture) - General liability: $1M / $2M (Bodily injury and property damage) - Business income: 12 mo (Interruption and extra expense) - Advertising and personal injury: $1M (Libel, slander, copyright) - Property deductible: $1k (Per-claim) ### Endorsements — Optional - Cyber liability: $250k (First and third-party response) - Employment practices liability: $100k (Wrongful termination, discrimination) - Data breach response: $50k (Notification and credit monitoring) - Equipment breakdown: $100k (Mechanical and electrical) - Professional liability: Rider (Errors and omissions) - Commercial auto add-on: Rider (Hired and non-owned) _Coverages, rates, and limits vary by state._ ## What the policyholder lives in A coffee-shop owner shouldn't sit on hold to pull a COI for a landlord or wait on an agent to update revenue at year-end. The partner's app handles it inline, in their brand. ### Self-service that your team doesn't have to staff Owners pull COIs, file claims, and adjust coverage when revenue or locations change, all inside the partner's app. Claims AI handles triage in the background while the partner sees status without owning the queue. - Instant COI generation for landlords, vendors, and one-off events - First-notice-of-loss routed straight to Claims AI - Mid-term endorsements when revenue, payroll, or locations change - Service handoffs to live agents stay inside the partner's brand ## Launch a commercial liability program, filed and writing in weeks Learn more about how your commercial liability program can go live in weeks, not months. Built for brands and carriers ready to ship. Primary action: Talk to Sure --- # Tenant legal liability, filed at the portfolio level > Master policy for property managers. One program attaches coverage to every unit in the book, with per-enrollment pricing, proof of insurance at lease-up, and renter-caused damage paid out against the filed form. Canonical URL: https://www.sureapp.com/products/tenant-legal-liability Product slug: tenant-legal-liability Category: Insurance products ## TLL programs, filed state by state Carrier paper, filed under Sure's program. Regulator approved. Filing coverage: 48 / 51. States with a live, filed TLL program on the Sure platform today. Tenant personal property add-on is not available in NY or TX. Forms on file: - SU-TLL-001 (live, v25.3) — Tenant legal liability master policy: Carrier A - SU-TLL-002 (live, v25.1) — Tenant legal liability master policy: Carrier B - SU-TLL-003 (live, v24.9) — Tenant personal property add-on - SU-TLL-004 (live, v24.6) — Dog bite liability endorsement - SU-TLL-005 (live, v24.4) — Roommate endorsement - SU-TLL-006 (live, v25.0) — Waiver of subrogation ## What a Sure TLL master policy actually covers Standard limits shown. Every line is configurable at the program level. Raise the per-unit liability limit, add Dog Bite, attach tenant personal property where filings allow. Sure re-rates and refiles. ### Tenant legal liability core — Core - Fire damage to the unit: $100k per unit (Renter-caused fire) - Water damage to the unit: $100k per unit (Overflow tub, burst hose, appliance leak) - Smoke damage: $100k per unit (Cooking smoke, unattended candles) - Explosion from renter negligence: $100k per unit (Gas range, grease fire) - Per-unit deductible: $0 (Charged to the tenant) - Proof of coverage to the landlord: ≤ 4 sec (Delivered at lease-up) ### Endorsements — Optional - Waiver of subrogation: Filed (Carrier waives recovery against the landlord) - Additional insured endorsement: Filed (Names the landlord or PM on the policy) - Tenant personal property add-on: $5k to $15k (Renter contents, where filed outside NY and TX) - Dog bite liability: $25k per unit (An optional distribution channel) - Roommate endorsement: Included (Extends coverage to named roommates) - Carrier B selectable liability: $2.5k to $300k (Per-unit limit chosen by the PM within unit-tier caps) _Coverages, rates, and limits vary by state._ ## Launch a TLL program across your portfolio in weeks Bring the portfolio. We file the master policy, rate per unit, attach coverage at lease-up, and pay claims against the filed form. Rates depend on unit count, state, and building type. The landlord pays a small monthly fee per enrollment. Primary action: Talk to Sure --- # Accident insurance, instant underwriting > Simplified-issue accidental death and dismemberment coverage, bound in under a minute. No medical exam, no paramed visit. Issued as individual policies or group certificates on filed carrier paper. Canonical URL: https://www.sureapp.com/products/accident-insurance Product slug: accident-insurance Category: Insurance products ## AD&D programs, filed in every state and DC Two carriers on the shelf: our two AD&D carrier partners. Between them, Sure's AD&D platform writes in all 50 states plus the District of Columbia. Same filed rate tables in the rater, the policy, and the regulator's file. Filing coverage: 51 / 51. Jurisdictions with a live, filed AD&D program on Sure today. Coverage in all 51 states (50 plus DC). Forms on file: - SU-AD-001 (live, v24.9) — Individual AD&D, guaranteed issue - SU-AD-002 (live, v24.6) — Group AD&D certificate - SU-AD-003 (live, v24.2) — Common-carrier enhancement - SU-AD-004 (live, v25.1) — Occupational AD&D, gig worker - SU-AD-005 (live, v24.0) — Seat-belt and airbag bonus - SU-AD-006 (live, v24.4) — Education benefit rider ## What a Sure AD&D policy actually covers Standard benefit limits shown. Every line is configurable at the program level. Raise the principal, add a rider, tune the beneficiary rules. Sure re-rates and refiles. Premiums shown in the consumer preview are illustrative, not a quote. ### Principal sum, core benefits — Core - Accidental death: $250k (Principal sum to beneficiary) - Loss of limb or sight: $125k+ (50% to 100% of principal) - Paralysis: Tiered (Quadriplegia, paraplegia, hemiplegia) - Common carrier: 2× principal (Fare-paying passenger) - Seat-belt benefit: $10k (If buckled at event) - Airbag benefit: $5k (If deployed properly) ### Riders — Optional - Education: $5k/yr for 4 years (Dependent tuition) - Child care: $3k/yr for 5 years (Surviving dependent) - Spousal training: $5k once (Re-entry to workforce) - Repatriation: $7.5k (Remains transport) - Felonious assault: +25% (Bonus for violent crime) - Occupational: Enhanced (On-the-job gig work) _Coverages, rates, and limits vary by state._ ## What the policyholder lives in An AD&D member shouldn't have to call a 1-800 number after a fall. Beneficiary updates and accident claims happen inside the same app the device already lives in, powered by Sure. ### Self-service that your team doesn't have to staff Members update beneficiaries when life events happen, file accident claims with optional device-data attached, and pull certificates of coverage without leaving the partner's app. Claims AI triages in the background. - Beneficiary updates in two taps, no agent call required - Accident and disability claims routed straight to Claims AI - Mid-term coverage tier changes without rebuilding the quote - Service handoffs to live agents stay inside the partner's brand ## Launch an accident insurance program, filed and writing in weeks Learn more about how your accident insurance program can go live in weeks, not months. Built for brands and carriers ready to ship. Primary action: Talk to Sure --- # Rental car coverage, sold at the booking step > Per-trip collision, liability, and personal accident from our carrier partner. Priced by the day, bound at checkout, proof of coverage ready before the traveler picks up the keys. Canonical URL: https://www.sureapp.com/products/vehicle-rental Product slug: vehicle-rental Category: Insurance products ## A per-trip rental program, filed where the trips happen Carrier paper underneath, Sure's rate tables on top. Every form filed, every factor versioned, every bind written to the same ledger the regulator can pull from. Filing coverage: 45 / 51. States with a live, filed vehicle rental program on the Sure platform today. Five more in filing or pending partner go-live. Forms on file: - SU-VR-001 (live, v25.3) — CDW: collision damage waiver - SU-VR-002 (live, v25.2) — Supplemental liability protection - SU-VR-003 (live, v25.1) — Personal accident insurance - SU-VR-004 (live, v24.9) — Personal effects coverage - SU-VR-005 (live, v24.6) — International rental rider - SU-VR-006 (live, v24.4) — Adventure activity endorsement ## What a Sure vehicle rental policy actually covers Standard per-trip limits shown. Every line is configurable at the program level. Raise the CDW cap, add international, swap in an adventure rider. Sure re-rates and refiles. ### Per-trip coverage: collision, liability, accident — Core - Collision damage waiver: $75k (Damage to the rental vehicle) - Supplemental liability: $300k (Third-party injury and property) - Personal accident: $25k (Driver + passenger medical) - Personal effects: $2.5k (Theft from the rental) - Daily rate starts at: $11/day (Economy class, contiguous US) - Proof to the rental counter: ≤ 4 sec (Delivered at booking confirmation) ### Endorsements — Optional - Loss of use: $1.5k (Rental company's lost daily revenue) - Roadside assistance: Rider (Tow, jump, lockout, fuel) - Towing: $500 (Up to covered mileage) - International coverage: Rider (Canada, Mexico, EU partner lots) - Adventure activity: Rider (Skiing, off-road, unpaved routes) - One-way trip: Rider (Different drop-off location) _Coverages, rates, and limits vary by state._ ## What the policyholder lives in Short-term coverage that sits inside the rental app. Travelers extend a trip, add a driver, or file a damage claim without ever leaving the rental flow. ### Self-service that your team doesn't have to staff Renters extend trips, add a second driver, and file return-condition claims from inside the partner's rental app. Claims AI picks up FNOL the moment the keys come back. - Extend rentals in two taps, no re-quote - Add a second driver mid-trip without rebuilding the policy - FNOL routed straight to Claims AI at vehicle return - Agent handoffs stay inside the partner's brand ## Launch a rental program, filed and writing in weeks Bring the distribution. A rental aggregator, a card benefits program, a carmaker's booking flow. Sure brings the carrier paper, the filings, the rates, and the claims desk. Travelers get coverage the moment they book. Primary action: Talk to Sure --- # Scheduled jewelry, written to cover the whole story > Engagement rings, inherited watches, the piece you never take off. Specialty jewelry coverage, bound on the Sure platform. Worldwide protection against loss, theft, mysterious disappearance, and accidental damage. Canonical URL: https://www.sureapp.com/products/jewelry Product slug: jewelry Category: Insurance products ## Specialty jewelry programs, filed state by state One carrier, one set of forms, every state. Our carrier partner is licensed nationwide for personal jewelry. Some states cap the blanket per-claim maximum at $5,000. Filing coverage: 51 / 51. Jurisdictions where our carrier partner writes scheduled personal jewelry through Sure today. Forms on file: - SU-JW-001 (live, v25.2) — Scheduled personal jewelry: blanket form - SU-JW-002 (live, v25.1) — Worldwide coverage endorsement - SU-JW-003 (live, v24.9) — Mysterious disappearance rider - SU-JW-004 (live, v24.7) — Accidental damage + repair endorsement - SU-JW-005 (live, v25.0) — Agreed-value appraisal schedule - SU-JW-006 (live, v24.5) — Heirloom + watch-specific rider ## What a Sure jewelry policy actually covers Standard limits shown. Every line is configurable at the program level. Raise the schedule, add a rider, set agreed value. ### Scheduled jewelry: blanket form — Core - Per-item scheduled limit: $25k (Replacement or agreed value) - Worldwide coverage: Included (Anywhere you travel) - Mysterious disappearance: Included (Lost without known cause) - Accidental damage: Included (Cracked stones, bent settings) - Theft and loss: Included (On or off the premises) - Deductible: $0 (Per claim) ### Endorsements — Optional - Appraisal services: Included (Network of certified appraisers) - Repair approval network: Included (Jeweler-direct repair routing) - Heirloom rider: Rider (Irreplaceable-item valuation) - Watch-specific rider: Rider (Movements, cases, bands) - Agreed value: Rider (Locked payout on scheduled items) - Loss reporting: Included (24/7 reporting with claims triage) _Coverages, rates, and limits vary by state._ ## What the policyholder lives in Re-appraisals come due every few years. A missing earring needs to be reported the moment it goes missing. Sure's jewelry insurance product comes with built-in workflows that support everything, from re-appraisals to filing claims. ### Self-service that your team doesn't have to staff Policyholders schedule re-appraisals, add new pieces to the schedule, and file loss or theft claims inside the partner's app. Claims AI handles triage in the background. - Schedule new items at any time without re-quoting the policy - FNOL on loss, theft, or mysterious disappearance routed straight to Claims AI - Re-appraisal reminders surface inside the app on the right cadence - Service handoffs to live agents stay inside the partner's brand ## Launch a jewelry program, filed and writing in weeks Learn more about how your jewelry program can go live in weeks, not months. Built for brands and carriers ready to ship. Primary action: Talk to Sure --- # Disaster coverage, paid on the trigger > Sure disaster coverage is a fixed-benefit policy for homeowners and renters. When a qualifying storm hits, the benefit lands in days, with no adjuster and no scope-of-loss negotiation. Five tiers from $5k to $25k, sold alongside a regular homeowners or renters policy. Canonical URL: https://www.sureapp.com/products/disaster Product slug: disaster Category: Insurance products ## Disaster coverage, licensed in 45 states One product, one filing per jurisdiction, one set of rates the regulator has seen. Six states are not yet licensed. The grid shows where the program writes today. Filing coverage: 45 / 51. States where this disaster coverage is licensed and binding today. Forms on file: - RC-PDI-05 (live, v25.1) — Disaster · $5,000 benefit tier - RC-PDI-10 (live, v25.1) — Disaster · $10,000 benefit tier - RC-PDI-15 (live, v25.1) — Disaster · $15,000 benefit tier - RC-PDI-20 (live, v25.1) — Disaster · $20,000 benefit tier - RC-PDI-25 (live, v25.1) — Disaster · $25,000 benefit tier - RC-PDI-DISC (live, v25.1) — Trigger disclosure ## How benefit tiers and triggers work together The policy pays a pre-set dollar amount when a qualifying disaster event trips the trigger. No adjuster visit. No depreciation math. The benefit is for the first-week costs a family runs into after a storm: a hotel, a rental car, clothes, food, deposits on a new place. ### Benefit tiers and trigger — Core - Tier · small: $5,000 (Lowest-premium tier) - Tier · standard: $10,000 (Most-chosen tier) - Tier · upgraded: $15,000 (For higher cost of living) - Tier · high: $20,000 (Covers longer displacement) - Tier · maximum: $25,000 (Highest available benefit) - Deductible: $0 (None on this product) ### Who can buy it, how it's billed — Included - Homeowners: Eligible (Owner-occupied residences) - Renters: Eligible (Tenants with a lease) - Primary residence: Eligible (The home you live in) - Secondary or vacation home: Eligible (A second address you own) - Billing: Both (Monthly or full-term) - Works alongside: Supplement (Homeowners or renters policy) _Coverages, rates, and limits vary by state._ ## What the policyholder lives in When a hurricane spins up or a wildfire jumps the ridge, the partner's app is what the policyholder opens at 3am. Not a call center, not a hold queue. Sure powers the entire experience, from first bind to claim payouts. ### Self-service that your team doesn't have to staff Storm watch, post-event FNOL, and mid-term endorsements all run inside the partner's app. Claims AI picks up the loss notice the moment it lands. - First-notice-of-loss for storm, flood, fire, and wildfire damage routed straight to Claims AI - Pre-storm storm watch with a readiness checklist tied to the policy address - Mid-term endorsements to raise wind, flood, or wildfire limits before the season opens - Service handoffs to live agents stay inside the partner's brand ## Add disaster cover to your book Learn more about how your disaster coverage program can go live in weeks, not months. Built for brands and carriers ready to ship. Primary action: Talk to Sure --- # Rate, quote, bind from the command line > One AI-native CLI over your product configuration, rating tables, and policy lifecycle rules. Price quotes against filed rates, bind policies in under a second, and hand any step to an agent without losing the audit trail. Canonical URL: https://www.sureapp.com/platform/underwriting-ai Module slug: underwriting-ai Category: Platform ## What you get with Underwriting AI A single CLI that knows your products, your raters, your lifecycle rules, and your audit needs. Reproducible quotes. Logged binds. Reasoned decisions. ### Filed-table aware Your rate tables, lookup files, and expression formulas live inside rater versions. Publish a rater, pin it to a product, and the CLI will refuse to price against drafts that were never released. ### Sub-second policy issuance Quote, rate, issue, and write to the policy ledger in one call. The same path your product app uses, minus the browser. Payment tokenization and document generation run through the same transaction. ### Audit trail regulators can read Raters are immutable once released. Policies pin the exact revision that priced them. Export a case and you get the full factor waterfall, the rater ID, and the rule set that bound it. ### Agent-callable The CLI calls the same REST API your app uses, just from a terminal. Claude, Cursor, or any MCP-aware agent can quote and bind with the same profile, the same permissions, and the same structured errors an engineer sees. ### Scoped authority Every API call is tied to a specific partner and environment with a scoped token. If a call falls outside its bounds, it fails with a clear, structured error instead of writing bad data. ### Replay and reprice Replay a historical policy against a new rater version. Diff the breakdown lines. See the dollar impact of a rate change before you release it to a state. ## Three ways to run the same underwriting pipeline Same underwriting pipeline, surfaced three ways. Pick the one your team wants to hold, and the same guardrails follow. ### CLI and API (For engineers) The commands you would run at a terminal, callable from your product, your CI, or your agent stack. REST under the hood, typed errors, profile-scoped auth. ### Embed SDK (For product) React, iOS, Android, and vanilla web SDKs that wrap the quote and bind flow. Drop in a hosted widget or wire up headless hooks and own the UI. ### Admin console (For operators) A web console for program managers, analysts, and compliance. Inspect any quote, replay it against a new rater, and pull audit packets without touching the terminal. ## What the platform enforces, so you don't have to Every capability is bounded by filed, versioned rules. Agents can move fast because the edges are hard. ### 01. No unreleased rates Pricing runs only against released rater versions. Drafts are visible in the filing workspace, not in production quote paths. ### 02. Profile-scoped authority Every CLI call resolves to a profile, a partner, an environment, and a token. Cross-partner writes are rejected before they hit the API. ### 03. Immutable revisions Raters, products, and policy subsystems are versioned. Published revisions cannot be edited in place. Changes ship as new revisions with a trail. ### 04. Validate before publish Every product goes through rigorous automated testing before it can go live. Publish is blocked until validation passes. ### 05. Lifecycle rules are filed Cancellation windows, reinstatement periods, effective-date offsets, and policy numbering are all configured per state and per product. ### 06. Replay on demand Any past policy can be re-run through its pinned rater or against a new one. Breakdown lines diff cleanly, so rate changes get reviewed before release. ## What it measures, in numbers - Quote latency: p50 62ms · p99 240ms - Bind latency: p50 214ms · p99 820ms - Locales supported: Global - Lines supported: All P&C, A&H, E&S, commercial, and specialty lines. Including: HO · DP · Renters · Auto · BOP · Disaster · Term life · AD&D · Home warranty - Version control: Raters, products, and PSVs pinned per policy revision - SLA: 99.97% uptime - Audit format: SOC 2 Type II · immutable revisions · JSON + PDF export - Agent runtime: Any MCP-capable LLM (Claude, GPT, Gemini) with profile-scoped tokens ## Key metrics - 214ms — p50 quote-to-bind latency, measured across the full path through released raters - 7LOBs — Lines of business live on the platform today, from auto to life - 100% — Of bound policies replay cleanly against the rater that priced them ## Customer quote "Chubb's insurance offering, through Sure's technology platform, further reinforces our commitment to innovative, digital solutions and providing consumers with peace of mind." — James Walloga, EVP Accident & Health, Chubb North America ## See the platform up close Get a walkthrough with the team at Sure. We'll dig into the platform and how we impact your roadmap. Primary action: Book a walkthrough --- # Your rating engine, callable by AI agents > Rating AI puts Sure's filed raters behind a Model Context Protocol server. Claude, GPT, Gemini, or any MCP-capable client can discover ratable products, fetch the input schema, get a priced quote, and hand the user a real purchase link. The filings stay where they are. Canonical URL: https://www.sureapp.com/platform/rating-ai Module slug: rating-ai Category: Platform ## A rater that agents already know how to call MCP is the protocol LLM runtimes already speak. Sure's rating server speaks it natively, with auth scoped to your product and environment. ### MCP-native Mount the Sure MCP server in Claude Desktop, Claude Code, Cursor, or any MCP-compliant runtime. Your ratable products show up as callable tools in one config block. ### Versioned raters Every price call binds to a released rater version. The rater that priced the quote today will price the same inputs the same way tomorrow, with the version id on the response. ### Schema-first pricing Agents call get-rating-schema before pricing. They get field names, types, required flags, defaults, and a field_count hint that tells the agent whether the product is chat-friendly or form-grade. ### Scoped authority Credentials are namespaced per partner and per environment. Tokens come from a secrets vault and cache for thirty minutes, so an agent only sees what its namespace is allowed to see. ### Factor transparency Quote responses include a full step-by-step breakdown of how the price was calculated, with every rating step, scope, discount, and attribute-level adjustment itemized. The agent returns a price with the math to back it up. ### Every call, logged Every tool call is logged with the caller, the request, and the response. Trace a quote back to its inputs, spot the calls that misbehaved, and act on what you find. ## Three kinds of agent, one protocol One MCP server, three audiences. Internal agents, partner agents, and third-party carriers all call the same tools with scoped credentials. ### The agents we ship (Internal agents) UW triage, renewal, FNOL, and conversational quoting bots all call the same MCP server. They share wire protocol, auth, and logging with anything you build. - Namespaced to your partner scope - Use the same rater release train - Full structured logs per tool call ### Your agents, your LLM (Partner agents) Bring Claude, GPT, Gemini, Llama, anything with an MCP client. Configure the Sure server, hand your agent a namespace token, and the product catalog becomes a set of tools it can reason over. - Claude Desktop and Claude Code - Cursor and the OpenAI Agents SDK - Any MCP-compliant client ### Carriers and program partners (Third-party agents) A carrier or reinsurer can call the same rating tools against your released rater, price the same risk on their side, and reconcile the number. Read-only access, same audit log. - Scoped partner credentials - Same rater version on both sides - Cross-check without filing access ## Agents get a pricing tool The MCP server reads released raters, returns versioned prices, and logs every call. Authoring and binding stay behind human review. ### 01. Read-only on the rater The MCP tools price against a released rater. Nothing in Rating AI edits a rate table, a ROC, or a filing. Authoring happens elsewhere, behind human review. ### 02. Rater-versioned responses Every quick-price response carries a rater_version_id. Replay the same inputs against the same version and you get the same number. ### 03. Namespaced auth Tokens are fetched per environment and namespace from a secrets vault. An agent credentialed for partner-scope cannot call anything outside that scope, and there is no cross-environment leakage. ### 04. Quote sessions only start-quote-session creates a real quote and returns a redirect url. The human completes purchase in the flow. ### 05. Graceful partial pricing When required fields are missing, get-quick-price returns a lowest-valid price with as_low_as=true. The agent can say "prices as low as $X" without inventing inputs. ### 06. Structured-logged, generic errors Tool errors return a generic user-facing message and a structured log line on our side. The agent never leaks stack traces, and the trail is preserved for audit. ## What the protocol guarantees - Protocol: Model Context Protocol over HTTP streaming, available to partners. Learn more. - Tools exposed: List products · fetch schema · get a quick price · start a quote session - Versioning: Every response pins the rater version that priced it - Auth: Per-namespace bearer tokens from a secrets vault, 30-minute cache - Environments: Local, test, and production environments available. Selectable per tool call. - Pricing detail: Total plus a step-by-step breakdown and discounts by attribute - Clients tested: Claude Desktop, Claude Code, Cursor, OpenAI Agents SDK, custom MCP clients - Audit: Full call log per agent invocation, retained per workspace ## Customer quote "Chubb's insurance offering, through Sure's technology platform, further reinforces our commitment to innovative, digital solutions and providing consumers with peace of mind." — James Walloga, EVP Accident & Health, Chubb North America ## See the platform up close Get a walkthrough with the team at Sure. We'll dig into the platform and how we impact your roadmap. Primary action: Book a walkthrough --- # FNOL to wire in one AI pipeline > From the first photo to the final wire, Claims AI handles everything. A vision model reads the photos, an LLM reconciles coverage against the bound policy, a triage agent drafts priority and risk flags, and the adjuster supervises at the exception boundary. Simple claims close themselves. Hard ones land on a desk with the reasoning already written down. Canonical URL: https://www.sureapp.com/platform/claims-ai Module slug: claims-ai Category: Platform ## Claims as a pipeline Claims are typed steps: intake, extraction, coverage, reserve, authority, payout, recovery, close. Agents do the work. Adjusters supervise at the exception boundary, with SLA timers and audit trails running underneath. ### Omnichannel FNOL Photo, video, voice, SMS, web form, or carrier-feed event lands on a single event consumer. Normalized to one claim schema, made ready by AI for next steps. ### AI-powered triage A triage agent reads the claim, writes priority, complexity, risk flags, and recommended actions to a typed schema. Vision extraction handles image FNOLs and returns structured claim data the adjuster can accept or edit. ### Reserve automation Opening reserves post when coverage lines land. The reserve ledger tracks current, paid, and outstanding amounts, and writes every change with the previous value, new value, delta, and reason. Workspaces choose how strictly the ledger enforces reserve limits on payments. ### Same-day settlement Payments within authority auto-approve and route to a batch. ACH, card push, check, and carrier draft are supported rails. Outside the limit, the transaction stays pending until an authorized approver signs. ### Subrogation The platform tracks liable party, expected amount, demand sent, response, settlement. Recovered dollars post back against the same claim ledger so net economics stay honest. ### Decision-ready cases Exceptions route to an adjuster with coverage analysis, loss items, triage priority, risk flags, and a recommended action. Not a blank form. The adjuster accepts, amends, or overrides in one motion. ## AI agents do the work. People supervise Insureds open claims from anywhere. Adjusters supervise from a prioritized queue. Engineers wire the pipeline to their stack. ### Intake anywhere (For insureds) SMS link, branded web page, in-app photo capture, or voice. The claim opens itself. Insureds get live status updates. ### The supervising queue (For adjusters) A prioritized queue of exception claims, each with a decision-ready packet. Accept the agent's scope, or amend it in a click. Rebalance reassigns open claims in one call. ### Claims API and agent hooks (For engineers) A typed Django REST API for claims, extractions, transitions, reserves, transactions, and recoveries. Webhooks fire on every state change. ## Fast resolution without settlement mistakes Coverage, authority, SLA, and audit enforced at the ledger. Agents move fast because the edges are hard. ### 01. Coverage enforced at time of loss Every claim is hydrated against the bound policy snapshot for the loss date. Coverage lines carry limits and deductibles from the filed product. Out-of-coverage losses refuse to reserve. ### 02. Authority envelopes on every payment Claims AI sets a per-user, per-cost-type ceiling. Payments within the limit auto-approve and post. Over the limit, the transaction stays pending until an authorized approver signs. ### 03. SLA timers on every status Each status transition creates SLA deadlines and resolves the prior ones. Late-cycle claims escalate automatically. Regulatory timing requirements run as timers on the ledger so nothing slips past a deadline. ### 04. Agent reasoning logged Every triage run writes a typed report with priority, complexity, risk flags, and recommended actions. Every extraction stores source-tagged fields. ### 05. Reserve enforcement modes Choose how strictly the ledger holds the line when a payment would exceed its reserve. Block it, warn and allow it through, or raise the reserve to cover it and log the change. Each workspace picks the mode that fits its business. ### 06. Human approval at the exception boundary Agent-drafted communications wait for an authorized user to approve them before they go out. Closing a claim is gated too. Every active coverage line must be closed or denied first. ## What the pipeline supports - FNOL channels: SMS · Web · iOS · Android · Voice · Carrier feed · REST API - Lines supported: All P&C, A&H, E&S, commercial, and specialty lines. Including: HO · DP · Renters · Auto · BOP · Disaster · Term life · AD&D · Home warranty - Time-to-first-payment: Simple claims under 30 seconds - Payment rails: ACH same-day · Card push · Check · Carrier draft - Zero-touch close rate: 68% of eligible claims close without adjuster touch - Audit: Observable and actionable audit trails. Workspace-scoped, SOC 2, SIU replay, regulator export. ## Key metrics - 68% — Of eligible claims close agent-to-settlement with zero human touch - 3h — p50 time-to-first-payment across all claims, all lines - 4.8★ — Average insured satisfaction after a Sure-handled claim ## Customer quote "Chubb's insurance offering, through Sure's technology platform, further reinforces our commitment to innovative, digital solutions and providing consumers with peace of mind." — James Walloga, EVP Accident & Health, Chubb North America ## See the platform up close Get a walkthrough with the team at Sure. We'll dig into the platform and how we impact your roadmap. Primary action: Book a walkthrough --- # Service AI that ships with the policy it serves > Sure's service agents run inside the same platform as quoting, payments, and claims. Scoped to one offering, bound to the product's filed data, wired to your CRM and the self-service portal. Every session lands in a log your team can read. Canonical URL: https://www.sureapp.com/platform/service-ai Module slug: service-ai Category: Platform ## Service AI, with the wheels on Most chatbot frameworks hand you prompts and a webhook. Sure hands you a product-bound agent, a session that survives reconnect, a tool registry scoped to the offering, and an escalation path that opens a CRM ticket with full context. ### Product-bound scope Every session is pinned to one product. System prompts hydrate from a live product configuration snapshot at session start. Agents answer from the snapshot, not from training data. ### Sessions that survive interruptions Conversations pick back up after a dropped connection or a closed tab, with full context intact. Every completed chat is logged to your system of record with sentiment and outcome. ### Self-service first Cancel, pay, update address, file a claim. The agent walks users through each step and hands them off to the right self-service flow in your portal. ## The AI agents running in production today Three customer-facing agents answer shoppers and insureds. Three more agents in the service layer keep sessions, product snapshots, and transcripts accurate. ### Conversation agent (Purchase · concierge) The parent agent on every session. Answers coverage, deductible, pricing, and state-availability questions from a per-offering snapshot. Links to the quote URL for intent-to-buy, to the self-service portal for existing customers. - Offering-scoped product Q&A - Markdown-anchored links, never raw URLs - Escalates on frustration signals ### Product research agent (Research · subagent) Walks the product configuration API when the snapshot is thin. Chains coverages to coverage-levels and deductibles to return real dollar amounts. Reports the source so the parent agent can cite the answer. - Coverage, level, deductible lookups - State-availability checks on explicit request - Policy-document lookups for exclusions and perils ### Support routing agent (Support · subagent) The agent that creates tickets, logs conversations, matches known intents, and resolves portal URLs. Never speaks to the customer. Returns structured data the conversation agent synthesizes. - Creates a CRM ticket with queue routing - Logs the completed conversation to an integration of your choice - Matches each ask against a maintained intent library ### Product snapshot builder (Snapshot · service) Pulls coverages, levels, deductibles, state availability, and a summarized policy PDF into a single markdown block. Cached per offering so the parent agent starts every session with fresh product data. - Structured data from product configuration - Policy substance from the document store - Per-offering cache with a configurable TTL ### Transcript summarizer (Context · service) When a conversation grows past the context window, a lightweight summarizer model compresses older turns and keeps recent ones verbatim. The parent keeps its grounding without blowing the token budget. - Managed summarization model - Rolling window on long sessions - Reused for policy-document ingestion ### Session monitor (Lifecycle · service) End detection watches for goodbye patterns and idle time. Reconnect keeps session state alive through dropped sockets. Service AI self-heals when CRM connections fail, until the ticket is successfully logged. - Idle timer on keyspace notification - Reconnect window on disconnect - Retry queue for CRM delivery ## Built to stay on script ### 01. Answers only from approved sources Coverages, dollar amounts, deductibles, and state availability come from the live product snapshot. Service AI never improvises product facts from training data. ### 02. Resistant to prompt injection Attempts to override instructions or impersonate another system are filtered before reaching the model. Sustained attacks trigger an alert to the on-call team. ### 03. Strict separation between programs Each partner program runs in its own scope with its own credentials. If access is missing, Service AI refuses to answer rather than risk serving the wrong product to the wrong customer. ## What the runtime gives you today - Runtime: Managed LLM runtime, region and model selected per deployment - Exception handoff: CRM ticket with queue routing, session ID, conversation URL - Security: Prompt-injection input filter · prompt-leak and PII output filter · per-session tool-call cap - Observability: Full-chain distributed tracing · platform metrics · structured logs - Deployment: Managed by Sure · runtime params set via embed attributes ## Customer quote "Chubb's insurance offering, through Sure's technology platform, further reinforces our commitment to innovative, digital solutions and providing consumers with peace of mind." — James Walloga, EVP Accident & Health, Chubb North America ## See the platform up close Get a walkthrough with the team at Sure. We'll dig into the platform and how we impact your roadmap. Primary action: Book a walkthrough --- # A program live in weeks, not quarters > Drop your next program with Launch AI. It reads entire filings, rate tables, and policy documents and forms, then turns that pile into a program you can stand up, track, and ship against. Meet Stork, the AI bot inside Launch AI that automates the toil out of every program launch. Canonical URL: https://www.sureapp.com/platform/launch-ai Module slug: launch-ai Category: Platform ## Drop the folder. Launch AI does the rest Program launches used to mean months of program managers re-typing filings into JIRA and engineers translating those tickets into configs. Launch AI reads the primary source material directly, routes the work, and keeps the program running from drop to go-live. ### Filings to rate tables Every filed factor, every peril, every territory grid pulled from the PDF and the spreadsheet, reconciled where they disagree, loaded into the program with a reference back to the filing page each value came from. ### Compliance cross-check Launch AI reads the filing, pulls every rate cap and coverage limit, and warns you before launch if a program setting falls outside what the filing allows. Approvals stay on the record, not in email threads. ### Test binds, live Before Launch AI marks a program ready, it runs synthetic policies against the imported rate tables, compares them to the filed illustrations, and flags any drift. Launch is a sign-off, not a guess. ## Launch AI fits where your people already work Launch AI works across three surfaces. Program managers, engineers, and support each meet it where they already work. ### The drop box (For program managers) A single URL. Paste a folder, paste a Zoom link, paste a filing PDF. Launch AI ingests, you watch a live dashboard of what's known, what's open, what's blocked, and what was promised on the kickoff call. No more chasing down decisions. - Open-questions queue, assigned by role - Launch checklist when Launch AI says ready ### The issue queue (For engineers) Launch AI can open issues anywhere from the platform to Microsoft Teams. Every one arrives with the root cause, the telemetry query, and the filing reference already attached. You review and merge like you would review a teammate. Launch AI learns your conventions from your existing issues and diffs. - Regression brief attached to every ticket - Reasoning log on every decision ### The ticket bridge (For support) Launch AI reads from all of your data sources. It summarizes every incoming ticket, flags the showstoppers first, drafts the partner-facing reply, and routes the rest with the context attached. Partners see their tickets scoped in minutes instead of stuck in a queue. - Summarizes, classifies, routes - Drafts partner-facing reply ## Launch AI moves fast because it can't route the wrong thing Every Launch AI action is bounded by a filed rule, a human approval, or a replayable trail. Speed without sign-off is not the goal. ### 01. Filing-constrained by construction No rate change is queued unless Launch AI can trace every factor back to a filed table and every coverage limit back to a filed form. Anything outside the filing goes to the compliance queue, not direct to production. ### 02. Human approval on every change Launch AI drafts, scopes, and assembles the analysis. A human signs off before anything ships. The reviewer sees a decision-ready brief, not a blank page. ### 03. Quality on every ramp Launch AI-initiated changes roll through staging, then 1%, 10%, and 100% of traffic. Drift on any tracked metric rolls the change back automatically and pages the owner. ### 04. Human review on money movement Anything touching reserves, payouts, or commissions runs through a dual-human review and a 24-hour observation window before ramp. Money decisions stay where humans want them. ### 05. Every artifact is replayable The filing Launch AI read, the rate table it parsed, the reasoning it used, all stored against the program. Auditors get a legible playback. ### 06. Citations on every value Every rate factor and every coverage limit links back to the source file, down to the table cell, filing page, or decision log entry. Reviewers verify the citation against the filing without leaving the platform. ## What Launch AI reads, writes, and watches - Inputs: PDF · DOCX · XLS · CSV · EML · carrier SFTP - Lines supported: All P&C, A&H, E&S, commercial, and specialty lines. Including: HO · DP · Renters · Auto · BOP · Disaster · Term life · AD&D · Home warranty - Ticket sources: Linear · Jira · Zendesk · Intercom · Slack · Microsoft Teams - Audit: Source to decision to issue to deploy chain retained per change · SOC 2 ## Key metrics - 38days — Median filing drop to first production bind on a new program - 14min — Median partner ticket to a scoped brief across Launch AI-handled queues - 72% — Of partner tickets close with a Launch AI-drafted brief, a human engineer approving, and no further back-and-forth ## Customer quote "Chubb's insurance offering, through Sure's technology platform, further reinforces our commitment to innovative, digital solutions and providing consumers with peace of mind." — James Walloga, EVP Accident & Health, Chubb North America ## See the platform up close Get a walkthrough with the team at Sure. We'll dig into the platform and how we impact your roadmap. Primary action: Book a walkthrough --- # Premium collection built for insurance money > Sure is an insurance-native payment facilitator that takes premium, taxes, and fees in a single transaction and lands every dollar in the right account. Customers see one clean charge. Your team stops spending the month untangling it. Card, ACH, bank rail, and pay with escrow all run through the same API. Canonical URL: https://www.sureapp.com/platform/premium-collection Module slug: premium-collection Category: Platform ## Built for the way insurance money moves Insurance charges aren't single-line totals. Premium, taxes, fees, and admin lines each need to land in their own bucket. Sure splits the transaction on the way in, so refunds, sweeps, and reporting always reference the same breakdown the customer paid against. ### Charge once, reconcile never Premium, taxes, and fees split the moment the gateway returns success. The charge, the bill, and every line item share the same transaction. Reconciliation becomes automatic, not a repeating task. ### Aggregate without losing detail Sure handles the line items, fees, and distribution splits internally while the customer pays one clean charge. Every underlying bill keeps its own row, its own pricing version, and its own settlement path, so finance closes them individually without rebuilding the math. ### Carrier funds, strictly isolated Programs, entities, and pricing rules are enforced as hard boundaries before any money moves. Each carrier's premium routes to its own gateway, its own settlement account, and its own ledger. Cross-carrier contamination is rejected at the API layer, not caught later in reconciliation. ### Three rails behind one API Cards, ACH, and bank rails through Stripe, Checkout.com, and Column. Same authorize-capture surface across all of them. All programs gain access to all rails. ### PCI scope, contained Tokenization happens at the edge, the token is what your ledger stores, and your audit perimeter shrinks to a known boundary. Compliance stops being the slowest reviewer. ### Charges that survive flaky networks Every request carries an idempotency key. A blip, a retry, a queue replay, and the customer is still charged once. The bill marks succeeded on the first capture that wins. ## Same charge engine, three control rooms Finance closes the books, engineering wires the API, compliance pulls the audit. Same data, different tools. ### Charge console (For finance) A live view of every authorization, capture, and refund. Filter by program, policy, gateway, status. Drill from a single bill back to the policy revision that issued it. - Daily charge volume by program - Failed charge cohorts with retry state - One-click drill from bill to charge to line items ### Charge API (For engineers) Endpoints for authorize, capture, refund, and a typed webhook stream for every state change. Idempotency is built in. Errors come back structured, never as 500-with-message. - POST /api/charges with idempotency key - Signed webhooks for every gateway - Structured error contracts stable across SDK and CLI ### Charge audit trail (For compliance) Every charge writes the gateway reference, the program snapshot, and the pricing in force. Pull a packet for any policy and the chain reads clean to a regulator. - Gateway reference pinned on every charge - Pricing version on every line item - PCI-DSS Level 1 · zero card storage ## Money moves only where it's licensed to go Every charge runs through filed gateway and program configuration. Premium goes fast because the edges are hard. ### 01. Programs must be enabled and priced A misconfigured carrier can never quietly take money. Charges only clear when the program is active and a current pricing rule applies. ### 02. Carrier-pinned gateways Each carrier resolves to its own gateway and processing type. Premium routes the right way every call, never to a generic merchant account. ### 03. Tokenized cards only Card primitives never persist in your stack. Charges reference tokens. Refunds reference the original transaction, not the card. ### 04. Idempotency on every charge A charge submitted twice with the same key only runs once. Customers can't be double-charged through retries, replays, or operator do-overs. ### 05. Signed webhooks only Every gateway event is signature-verified before it enters the system. Unsigned events are dropped before they touch a ledger row. ### 06. Errors are structured and actionable Authentication failure, charge not found, gateway timeout, all surface as the same structured error contract. Every failure is observable in the console and reroutable through retries, so support agents can resolve issues without filing an engineering ticket. ## What it supports - Rails supported: Card · ACH · bank rail · pay with escrow - Gateways: Stripe · Checkout.com · Column - Latency: p50 318ms authorize-to-capture · single round trip - Transaction breakdown: Premium · taxes · admin fees split at capture - PCI scope: PCI-DSS Level 1 ## Key metrics - 318ms — Median time from authorize to capture for a single-bill charge - 3 — Gateways live behind one charge API: Stripe, Checkout.com, Column - 4 — Rails available to every program: card, ACH, bank rail, and pay with escrow ## Customer quote "Chubb's insurance offering, through Sure's technology platform, further reinforces our commitment to innovative, digital solutions and providing consumers with peace of mind." — James Walloga, EVP Accident & Health, Chubb North America ## See insurance payments done the right way Walk through Sure's payments system with our team. We'll cover everything from premium collection to reconciliation, and the parts of insurance money movement that power programs. Primary action: Book a walkthrough --- # Installment billing that runs itself > Every product carries its own billing rules: cadence, retries, grace periods, late fees, and dunning. Sure runs the schedule every day, charges what's due, retries what fails, and lapses what stays unpaid. Your service team stops being the dunning calendar. Canonical URL: https://www.sureapp.com/platform/billing-schedules Module slug: billing-schedules Category: Platform ## Configure the cadence and let it run Every product owns its billing rules: cadences, retry windows, grace periods, late fees, dunning days, reinstatement. The schedule generates from the rules at bind. After that, Sure runs it every day without operator help. ### Cadences as configuration Monthly, quarterly, semi-annual, annual, payroll deduct. Cadences are part of the filed product, not a separate billing tool. Change the configuration, the next bind picks it up. ### Daily charge runs Sure runs the schedule every morning, picks up what's due, and charges it. Failed captures schedule a retry on the cadence you set, instead of hammering a card that just declined. ### Dunning that clears itself Warning emails go out on the days you specify. The moment the bill pays, every pending email cancels with an audit row. Customers stop getting 'pay your bill' notes after they paid. ### Retries with intent After a decline, the next charge waits until the customer's bank has had time to top up. Dunning steps respect the same cadence, so emails and retries don't double-fire on the same day. ### Lapse and reinstate, deterministic After the configured unpaid window, the policy lapses. Reinstatement folds missed installments back onto the schedule and applies a configurable fee. Operators can't accidentally lapse a customer two days early. ### External payment support Payroll deduct, partner-collected, bill-me-later. Sure tracks the schedule and posts the credits without trying to charge the customer directly. The ledger still ticks forward in lockstep. ## One schedule, three lenses Finance reads the schedule like a calendar. Operators move installments and waive fees. Engineers wire the events into your tooling. ### Schedule view (For finance) Every installment with status, amount, gateway reference, and retry state. Roll up by program, by product, by state. Pull the dunning history for any bill in two clicks. ### Service console (For operators) Move a pay date when a customer asks. Pause dunning while you investigate. Reinstate with the fee waived. Every action writes an audit row. ### Schedule events (For engineers) Domain events on every transition: created, paid, failed, dunning created, dunning cancelled. Subscribe to a stream or pull from the audit table. Idempotent on retry. ## How the billing schedule is configured securely The schedule runs inside the rules that were filed for the policy. It does not improvise. ### 01. No charges before due date Future-dated installments aren't chargeable, full stop. Operators can't accidentally bill the customer in advance. ### 02. No double-charge through retry A successful capture clears the retry path before the next run. Customers can't be charged twice for the same installment because of a network blip. ### 03. Dunning days are filed Warning emails go on the days the product specifies. There is no separate marketing schedule for billing dunning. ### 04. Lapse is deterministic Lapse only triggers when the configured unpaid window passes. Operators can't expire a policy out of band. ### 05. External payment is fully supported For products billed outside Sure, like payroll deduct or partner-collected, the schedule still records every event. Only the charge call is suppressed. ### 06. Reinstatement preserves the anchor When a lapsed policy reinstates, its cadence keeps its original anchor. Reinstatement fees are line-itemed, never folded into premium. ## What it supports - Rails: Card · ACH · bank rail · pay with escrow - Gateways: Stripe · Checkout.com · Column - PCI scope: PCI-DSS Level 1 ## Key metrics - 31days — Default unpaid window before lapse, configurable per product license - 7days — Default retry cadence after a failed capture, before the next dunning step - 0 — Off-ledger dunning emails. Comms reads the same rules the cyclist does ## Customer quote "Chubb's insurance offering, through Sure's technology platform, further reinforces our commitment to innovative, digital solutions and providing consumers with peace of mind." — James Walloga, EVP Accident & Health, Chubb North America ## See insurance payments done the right way Walk through Sure's payments system with our team. We'll cover everything from premium collection to reconciliation, and the parts of insurance money movement that power programs. Primary action: Book a walkthrough --- # Settled premium, on time, to the right entity > Sweeps to carriers, transfers to programs, fee splits to designees. Every payout starts from typed records of what came in, so the carrier statement and your books reconcile to the same number every time. Canonical URL: https://www.sureapp.com/platform/disbursements Module slug: disbursements Category: Platform ## Disbursement is its own pipeline Sure moves money between programs, fee designees, and carriers. The same primitives, the same audit trail, whether it's a daily ACH sweep or a one-off fee transfer. Treasury sees a single chain instead of a vendor portal per gateway. ### Sub-merchant transfers Settle program balances on a schedule that matches the contract. Every payout maps to the charges that funded it, so program operators can answer 'why is this number what it is' without opening a ticket. ### Fee splits, separately When a fee should land somewhere other than the main payout, Sure routes it. Producer fees, MGA splits, whitelabel rev-share, all on the same transfer chain with the same audit row. ### Carrier ACH sweeps Daily or per-cadence transfers to each carrier on the bank rail. Premium, refunds, and adjustments aggregated in one batch. The carrier sees a single number that matches the policies underneath. ### Event-driven status Gateway events update payout status the moment they land. Treasury watches transfers move from processing to settled in real time. Bank holidays and partial settlements stop being mysteries. ### Idempotent reconciliation Every transfer is keyed to a stable reference. A replayed webhook, a redelivered event, a manual investigation pull, none of them double-write a payout. The chain stays clean. ### Reconcilable from day one Each transfer is a fold of typed records, not a free-text bank memo. Pull any payout and walk back to the charges that produced it, the program that owns it, and the rules that priced it. ## Treasury, ops, engineering Treasury sees the cash position. Ops watches the webhooks. Engineering owns the integration. ### Cash position view (For treasury) Pending transfers, in-flight payouts, settled balances. Filter by carrier, program, rail. Reconcile bank statements against the same payout records ops watches. - Aging by payout status - Program-level rollup - Bank-statement match by transfer ID ### Event investigator (For ops) When a transfer hangs in processing, agents can replay the event, force a status pull, or open the gateway dashboard. Every action writes a row, never a Slack message. - Replay status events - Drill into payout history - Surface missing references with a typed error ### Gateway client SDK (For engineers) One transfer surface, multiple rails underneath. Add a new gateway without touching reconciliation code. - Stripe, Checkout.com, Column - Composable webhook handlers - Typed records and statuses ## Disbursement only where the records say so Transfers fold typed records of what came in. Operators cannot send money where no record points. ### 01. Transfers fold real records Every payout is a sum of receivables tied to a program or designee. Stray collections cannot leak into the wrong payout. ### 02. Carrier-pinned routing Each carrier resolves to its own gateway and rail. The wrong rail returns no client, never a misrouted transfer. ### 03. Webhook signatures verified Every gateway event is signature-verified before it changes a payout status. Mismatched signatures are dropped. ### 04. Idempotent on every reference Replays are safe. The chain is keyed to gateway references, not to clock time, so investigations don't accidentally double-write. ### 05. Status is mapped, not free-text Gateway statuses translate to a small enumerated set. Unknown values log a warning for human review. ### 06. Settlement entity per program Each program holds its own gateway entity. Settlement balances do not commingle across carriers or programs by accident. ## What it supports - Rails supported: ACH · bank rail · card · pay with escrow - Gateways: Stripe · Checkout.com · Column - PCI scope: PCI-DSS Level 1 ## Key metrics - 3 — Disbursement gateways live behind one transfer surface today - <24hours — Carrier ACH sweeps settle on the bank rail. Same-day, every day - 100% — Of webhook events arrive signed and verified, or get dropped before they post ## Customer quote "Chubb's insurance offering, through Sure's technology platform, further reinforces our commitment to innovative, digital solutions and providing consumers with peace of mind." — James Walloga, EVP Accident & Health, Chubb North America ## See insurance payments done the right way Walk through Sure's payments system with our team. We'll cover everything from premium collection to reconciliation, and the parts of insurance money movement that power programs. Primary action: Book a walkthrough --- # Money out, calculated like the filing reads > Cancellations, free-look windows, and mid-term changes all run on the same math your filings describe. Refunds are bounded, audit-ready, and threaded back to the original charge. The result: faster resolutions for customers and clean books for finance. Canonical URL: https://www.sureapp.com/platform/refunds-and-mtas Module slug: refunds-and-mtas Category: Platform ## Cancel, adjust, refund, all on the same math One refund engine for free-look, cancellations, and mid-term changes. Filed once, applied everywhere. Operators stop maintaining state-by-state spreadsheets, and finance stops chasing 'why is this two cents off.' ### Short rate and pro-rata support Set how much of the unearned premium goes back per the filing. The same control covers full pro-rata refunds, short-rate penalties, and non-refundable products. State filings drop in as configuration, not bespoke code branches. ### Free-look, by the rule Customers who cancel inside the free-look window get every dollar back, automatically. The window length is per state and per product. Operators don't have to remember Florida is different from Texas. ### MTAs in either direction Increase a coverage and the difference charges. Reduce one and the difference refunds. Same math, both directions, with the breakdown line-by-line so customers see why the new number is what it is. ### Refunds find their charge Every refund is anchored to the original payment, not to a card on file. Customers get money back to the same source they paid from. PCI exposure stays where it belongs and chargebacks become much rarer. ### No overdrawn refunds Sure refuses to refund more than the policy actually paid in. Operators see the cap before they click. No more recoverable overpayments hitting reconciliation a month later. ### Minimum earned premium, enforced States and products that require a minimum earned premium honor it without a single line of operator interpretation. The cap is filed alongside the rest of the billing rules, applied uniformly. ## One math, three rooms Operators run the cancellation. Compliance reads the math back. Engineers wire it into your save flow. ### Cancel and adjust console (For operators) Pick a policy, pick a reason, pick a date. The console previews the refund or the MTA difference before anyone clicks confirm. Free-look is one-click configuration, not a side conversation with finance. - Live refund preview before commit - MTA delta with line-item diff - Reason codes mapped to state rules ### Refund audit (For compliance) Every refund records the rule version, the formula, the dates, and the gateway reference. Pull a SOC 2 packet for any cancellation in two clicks. A single source of truth for examiners and operators alike. - Filed rule version pinned per refund - Short-rate vs pro-rata recorded - Reason code with operator ID ### Refund and MTA API (For engineers) Drop the same math into your CRM, your retention tool, your save flow. Send a dry-run, get back a typed breakdown, decide, then commit. Every endpoint is safe for AI agents to call directly. - Dry-run previews on every endpoint - Typed errors instead of silent partials - Same surface for human and agent callers ## Refund rules live in the filing The same configuration that schedules the bills bounds the refunds. Operators cannot refund more than the policy can. ### 01. No refund without a charge Every refund attaches to a real prior payment. Orphan refunds never leave the platform. ### 02. No overdrawn refunds If the requested amount exceeds what the policy paid in, the platform stops the operator before money moves and shows the available cap. ### 03. Free-look is a filed flag Full refund inside the free-look window is part of the filed rule, not an operator courtesy. Apply it consistently or not at all. ### 04. Minimum earned premium holds Filed minimums apply uniformly. The customer service team can't accidentally rebate a state minimum because they didn't know it existed. ### 05. Short-rate stays between zero and full pro-rata Refund factors are bounded between full pro-rata and zero. No misconfigured product can issue a 110% refund, ever. ### 06. MTAs preserve the schedule total When a coverage change reshapes installments, the schedule total still equals the new term price. No quiet drift between what the customer pays and what the policy says. ## What it supports - Rails: Card · ACH · bank rail · pay with escrow - Gateways: Stripe · Checkout.com · Column - PCI scope: PCI-DSS Level 1 ## Key metrics - 100% — Of refunds trace back to the original charge, never to a stored card - 50 — States plus DC and PR with cancellation rules filed as configuration today - 0 — Bespoke refund formulas in operator scripts. The math is in one place ## Customer quote "Chubb's insurance offering, through Sure's technology platform, further reinforces our commitment to innovative, digital solutions and providing consumers with peace of mind." — James Walloga, EVP Accident & Health, Chubb North America ## See insurance payments done the right way Walk through Sure's payments system with our team. We'll cover everything from premium collection to reconciliation, and the parts of insurance money movement that power programs. Primary action: Book a walkthrough --- # Insurance at the wheel of every vehicle you sell > Auto coverage for automakers and dealership networks. Bundled at checkout, tied to VIN, underwritten in real time. The same stack that runs OEM in-flow quotes, the same bundles that drive home-plus-auto loyalty discounts, the same rails that let any dealer connect DTC in a sprint. Canonical URL: https://www.sureapp.com/industries/auto Industry slug: auto Category: undefined ## Key metrics - 3.2x — Attach-rate lift for auto bundled with home at checkout. - 214ms — Median quote-to-bind latency, VIN-enriched, across 50 states and DC. - 18days — From kickoff to first bound policy in a new dealer network. No MGA spin-up. - 91% — Of AI-assisted quotes complete without an agent keystroke. Exceptions route to humans. ## Coverage that moves with the metal Whether you run a 50-state DTC configurator, a national dealer network, or a homeowner-first brand looking for auto loyalty, the stack has a shape that fits. Same underwriting, same ledger, three in-flow surfaces. ### 01. Home + auto, in one cart, with a real discount The longstanding “multi-line” discount, reborn as a checkout option. Surface the home and auto bundle inside the same flow a buyer already moves through. Underwritten together, billed together, cancellable together. - Bundle discount priced against filed HO-3 and PAP rate tables. - Shared deductibles and deductible-recoverability, where filed. - Single Sure ID across carriers, billed through one payments rail. ### 02. OEM-native, in-flow. Quote, bind, deliver Drop coverage into your OEM checkout the same way payment and registration live there. A VIN is all you need. Sure pre-fills the applicant, prices to the garage state, and binds before the confirmation email ships. - VIN-first API: one call returns a bindable quote with coverage defaults. - Garage-aware pricing: changes the rate instantly when the delivery state changes. - Policy number + ID card returned to your order payload. No redirects. ### 03. Every dealership, an insurance storefront A whitelabeled DTC portal for any franchise or independent dealer. Live rate comparison, test-drive-to-quote handoff, F&I-ready exports, all skinned to the dealer brand, all settled on Sure's rails. - Dealer-branded storefront with optional agent handoff for complex risks. - Test-drive capture: a phone tap during inspection starts a pre-qualified quote. - F&I export to CDK, Reynolds, DealerSocket. Commissions reconciled nightly. ## Built into the tools dealerships already run on Prebuilt connectors for the DMS, F&I, and checkout stacks the auto industry actually uses. Drop in a handful of keys. Skip the integration tour. - CDK Global — Bind events flow to DMS as F&I line items. - Reynolds & Reynolds — Commission reconciliation, nightly. - DealerSocket — CRM-side quote enrichment from VIN. - Shopify Checkout — DTC storefronts, bundled at cart. - Stripe & Adyen — Premium collection via your existing merchant. - Model Context (MCP) — Any agent can quote, bind, explain. ## Compliance - 50 states + DC, PR - SOC 2 Type II - NAIC Model Audit Rule - SHA-256 ledger · per policy - Filings tracked: 2,140+ auto forms ## Put a bindable auto quote at the end of your checkout Learn more about how Sure can launch your auto program in weeks, not months. Primary action: Book a walkthrough --- # Small business coverage, embedded inside the software they already run on > Insurance for commercial businesses. A Business Owners Policy (BOP) embedded into the software your customers already use to run the company, workers' comp attached to payroll, and miscellaneous professional liability priced per profession. One API, every line, every state. Canonical URL: https://www.sureapp.com/industries/commercial Industry slug: commercial Category: undefined ## Key metrics - 12min — Median time from account-authorize to bound BOP for a small business on Sure. - 48% — Add-on attach rate when coverage is surfaced inside payroll at onboarding. - 140+ — Profession-specific Misc. PL filings, priced per NAICS code and revenue band. - 22days — From kickoff to first bound BOP in a new commercial integration. ## Coverage that lives inside the tools your customers already run their business on Whether you run platform, brokerage, or direct channel, the platform has a shape that fits. Same underwriting, same ledger, three in-flow surfaces. ### 01. Embed a BOP inside accounting and payroll software Small-business owners already have their revenue, payroll, and NAICS code in their accounting or payroll software. Surface a bindable BOP there, pre-filled from that data, priced in real time, bound in one click. - Pre-filled applicant from the host accounting or bookkeeping system. - GL + property + BI in one policy, issued as one PDF. - Automatic endorsements as revenue changes. ### 02. Workers' comp attached to the payroll file Embed workers' comp inside modern payroll platforms, priced against the live payroll file, endorsed automatically as the team grows, reconciled against the employer's bordereau every pay run. - Pay-as-you-go pricing. No annual true-up. - Class-code detection from job titles. - Automatic endorsement on each payroll run. ### 03. Misc. PL priced per profession, per revenue band For the consultants, the designers, the bookkeepers, the marketers. Sure's miscellaneous professional liability has 140+ profession-specific filings, each priced per revenue band and scope of work. - NAICS-code aware pricing. Filed per state. - Errors & Omissions + Cyber + Network Liability available. - Certificate-of-insurance issued in one API call. ## Built into the software small businesses already use Prebuilt connectors for the systems the commercial industry actually uses. Drop in a handful of keys. Skip the integration tour. - QuickBooks / Xero — Revenue, payroll, NAICS pre-fill. - Gusto / Rippling — Payroll-as-the-premium-source. - ADP / Paychex — Large-employer WC, endorsed per run. - Square — Merchant-scoped GL and BOP. - Stripe / ACH — Premium collection, merchant-aware. - Model Context (MCP) — Agents can quote, bind, issue COIs. ## Compliance - 50 states + DC, PR - NCCI + state WC rate bureaus - NAICS-aware filings - SOC 2 Type II - SHA-256 ledger · per policy ## Put a BOP in every small-business software account Learn more about how Sure can launch your commercial program in weeks, not months. Primary action: Book a walkthrough --- # Protection from cart to doorstep > Insurance products for e-commerce platforms. Shipping protection attached at cart, returns protection for disputed refunds, and device and extended warranty for the hardware that leaves your warehouse. All in one platform, with everything handled by Sure. Canonical URL: https://www.sureapp.com/industries/ecommerce Industry slug: ecommerce Category: undefined ## Key metrics - 68% — Opt-in rate for shipping protection surfaced in-cart vs. post-checkout upsell. - <2min — Median time from 'report damaged package' to approved refund or replacement. - 11% — Reduction in refund-related support tickets for merchants using returns protection. - 2,100+ — SKU-level warranty filings tracked, priced against your actual repair cost data. ## Coverage embedded in the storefront and checkout Whether you run platform, brokerage, or direct channel, the platform has a shape that fits. Same underwriting, same ledger, three in-flow surfaces. ### 01. "Where's my package?" solved at cart A shipping protection add-on that attaches at cart for a few dollars, hands the buyer a one-click refund or reshipment claim from your order page, and gets your support team out of the carrier-escalation business forever. - One line of storefront UI extension. No headless rewrites. - Claim filed from order page, adjudicated in under 2 minutes. - Settlement pushed back into your store as a refund or reship. ### 02. Disputed refunds, underwritten For mid-market brands drowning in wardrobing and fraud, Sure's returns protection is a merchant-facing product. You buy coverage against your own return rate above a filed threshold, funded by a small attach at cart the buyer never sees as adversarial. - Reimbursement paid to the merchant, not the customer. - Triggers: non-returns, wardrobing, fraudulent chargebacks. - Priced against your 12-month return cohort data. ### 03. Warranty that outlives the receipt For hardware and durable-goods brands, Sure offers a whitelabeled extended warranty program priced per SKU, attached at cart, and claim-able from the order page forever. No more third-party warranty vendor that your customers haven't heard of. - Per-SKU pricing loaded from your repair-cost data. - Claim submitted from the order page, paid or reshipped. - Transferable when the customer resells. Warranty as an asset. ## Built into the platforms e-commerce already runs on Prebuilt connectors for the systems the e-commerce industry actually uses. Drop in a handful of keys. Skip the integration tour. - Shopify — UI extension, headless, or hosted. - Commerce platforms — Native widget in cart and order page. - Stripe Radar — Chargeback signals feed into returns pricing. - Klaviyo / Attentive — Lifecycle emails for claim status. - Gorgias / Zendesk — Agents can resolve claims from a ticket. - Model Context (MCP) — Agents can quote, bind, pay out. ## Compliance - Commerce platform certified - PCI-scoped payment tokenization - SOC 2 Type II - 50 states + DC, PR - SHA-256 ledger · per policy ## Put protection in every cart. Settle every claim in minutes Learn more about how Sure can launch your ecommerce insurance program in weeks, not months. Primary action: Book a walkthrough --- # Embedded protection for every account, card, and swipe > Insurance built for neobanks, card programs, and embedded finance platforms. Swipe-aware card benefits portals, a claims center that auto-adjudicates against your filed terms, and a marketplace of card-aware products your cardholders can add without leaving the app. Canonical URL: https://www.sureapp.com/industries/fintech Industry slug: fintech Category: undefined ## Key metrics - 3.4x — Engagement lift for a card benefits portal launched on Sure vs. a PDF benefits guide. - 90% — Claims auto-adjudicated to payout by Sure's rules engine, with no human adjuster. - <24hrs — Median card-linked claim time, from submission to funds on the card. - 24+ — Insurance products in the marketplace, all white-labeled, all card-aware. ## Coverage that fits the financial flows already in use Whether you run platform, brokerage, or direct channel, the platform has a shape that fits. Same underwriting, same ledger, three in-flow surfaces. ### 01. Your card's fine print, rebuilt as an app surface. A fully white-labeled benefits portal with dynamic detail views for every card benefit: trip protection, purchase protection, rental car collision. Swipe-aware. Claim-able. Built with your brand, from pixel zero. - Dynamic benefit detail views, driven by the card's filed terms. - Swipe-aware: detects qualifying purchases in real time. - Fully white-labeled. Publishable as a native screen. ### 02. Claims adjudicated in minutes, not months. A claims center with filed, auditable rules for fast, accurate, cardholder-grade handling. 71% of claims route to auto-payout. Exceptions go to an adjuster with a decision-ready packet. - Rules engine driven by the card's filed terms. - Auto-payout to the card or a linked external account. - Exception handling with a decision-ready packet for the adjuster. - Powered by [Claims AI](/platform/claims-ai) for filed, auditable adjudication. ### 03. An open shelf of protections for your cardholders. Beyond the card's included benefits, Sure's marketplace surfaces additional protections. Homeowners, auto, pet, travel. Priced to the cardholder, bound in-app, rev-shared with you on every policy. - 24+ card-aware products. All white-labeled to your brand. - Rev-share flows through your existing payments rail. - Cross-sell signals driven by spend and life events. ## Built into the apps cardholders already open Prebuilt connectors for the systems the fintech industry actually uses. Drop in a handful of keys. Skip the integration tour. - Visa / Mastercard — Card-network filings & card-linked events. - Marqeta / Galileo — Spend events feed the rules engine. - Plaid — Account verification for claim payout. - Stripe Issuing — Issuer-direct claim payout to the card. - Zendesk / Intercom — Agents can adjudicate from a ticket. - Model Context (MCP) — Agents can explain, quote, adjudicate. ## Compliance - PCI DSS v4 - SOC 2 Type II - 50 states + DC, PR - Card-network benefits-compatible - SHA-256 ledger · per policy ## Give your cardholders benefits they can actually find Learn more about how Sure can launch your fintech program in weeks, not months. Primary action: Book a walkthrough --- # Coverage for work that starts and stops > Insurance for the gig economy. Episodic liability for rideshare drivers and their riders, AD&D for the dog walkers and couriers, and equipment protection for the tools that make the gig possible. All priced by the shift, bound by the minute, claim-able from the app. Canonical URL: https://www.sureapp.com/industries/gig-economy Industry slug: gig-economy Category: undefined ## Key metrics - 118ms — Median latency for turn-on-at-shift-start commercial liability coverage events. - $0.02/mi — Blended cost of coverage on a ride-share mile. Filed in all 50 states. - 36hrs — Median time from driver AD&D claim submission to funds on the linked debit card. - 2.1M — Per-shift policies activated monthly across Sure's gig-economy platform partners. ## Coverage built into the apps your workers already open Whether you run platform, brokerage, or direct channel, the platform has a shape that fits. Same underwriting, same ledger, three in-flow surfaces. ### 01. Coverage that flips on when the driver goes online. Episodic liability for rideshare and delivery drivers, and the riders in the back seat. Active when the app is on, dormant when it's off, priced per mile, filed in every state the platform operates in. - Period 1, 2, 3 logic baked into filings. No manual state handling. - Rider-side coverage surfaced at trip-booking. - Coverage ledger per shift, per driver, per ride. ### 02. AD&D for the dog walkers, couriers, cleaners. Occupational accident, AD&D, and short-term disability for any gig worker doing a real-world job, surfaced at signup, active whenever the app is online, settled directly to a linked payout rail. - AD&D + occupational accident + short-term disability. - In-app claim with photo + geo verification. - Direct payout to the platform's debit card or ACH. ### 03. Coverage for the tools the gig runs on. For the e-bike, the dog grooming kit, the camera rig, the drill. Episodic equipment protection that prices per hour of use, per mile, or per gig, and settles a loss or theft claim in-app, in days. - Priced per gig, per hour, or flat monthly. - Geofence + time-window for theft exclusions. - In-app claim with repair-or-replace workflow. ## Built into the apps gig workers already open Prebuilt connectors for the systems the gig economy industry actually uses. Drop in a handful of keys. Skip the integration tour. - Driver / courier apps — Shift events trigger coverage on/off. - Marqeta / Galileo — Payout to linked platform debit. - Stripe Connect — Multi-party split of premium and rev-share. - Driver verification — Background-check integrations. - Zendesk — Agents can adjudicate from a ticket. - Model Context (MCP) — Agents can explain, quote, adjudicate. ## Compliance - 50 states + DC, PR - TNC state filings × 50 - AD&D filings in 50 states - SOC 2 Type II - SHA-256 ledger · per shift ## Price coverage by the shift. Bind it by the minute Learn more about how Sure can launch your gig economy program in weeks, not months. Primary action: Book a walkthrough --- # Protection for every unit, baked into the lease > Insurance for property managers and landlords. Renters coverage at tenant onboarding, pet coverage layered on top, and a Verify AI integration so your team never chases another policy doc again. One admin, one bordereau, every door. Canonical URL: https://www.sureapp.com/industries/property-management Industry slug: property-management Category: undefined ## Key metrics - 92% — Tenant opt-in rate when renters insurance is required and surfaced in-flow. - $0 — Incremental cost to the PM. Sure's per-policy rev-share covers the bordereau work. - 40sec — Median time from tenant lease signature to bound renters policy. - 99.4% — Waiver compliance across portfolios on Sure. No manual policy chasing. ## Coverage that lives in the portals property managers already use Whether you run platform, brokerage, or direct channel, the stack has a shape that fits. Same underwriting, same ledger, three in-flow surfaces. ### 01. Tenant onboarding with coverage in the same flow A renters policy that appears exactly when your lease says it's required, priced to the unit, issued to the tenant, with your building listed as an interested party from the first day. - Embedded in AppFolio / Yardi / RealPage tenant portals. - Automatic waiver generation when the PM's minimums are met. - Lapse alerts back to the PM the day a policy cancels. ### 02. Pet liability and health, offered at move-in For pet-friendly buildings, Sure lets you surface a pet-owner liability add-on plus optional pet health coverage, priced to breed and weight, with your building's bite-liability carveout baked in. - Breed-aware pricing, pulled from filings you can audit. - Bite-liability carveout for the PM, in every policy. - Vet-network pet health available as add-on. ### 03. Stop chasing policy documents. Point to Verify AI For PMs who'd rather their tenants bring their own policy, Verify AI replaces the email-PDF circus with a live, queryable proof-of-coverage link. Ingested from the carrier, updated on change, audited on demand. - No more misfiled ACORD PDFs. Live verification. - Auto-lapses your waiver if tenant's carrier cancels. - One-click to offer Sure's renters product to non-compliant tenants. ## Built into the portals property managers already use Prebuilt connectors for the systems the property management industry actually uses. Drop in a handful of keys. Skip the integration tour. - AppFolio — Renters and pet surfaced in tenant onboarding. - Yardi — Waivers synced nightly to the rent roll. - RealPage OneSite — Compliance status as a portfolio metric. - Buildium — Single-family and small-PM friendly. - Verify AI — Live policy verification for BYO-carrier tenants. - Model Context (MCP) — Agents can verify, quote, explain. ## Compliance - 50 states + DC, PR - SOC 2 Type II - ACORD 27 / 28 on request - PM waiver-compliant - SHA-256 ledger · per policy ## Close every lease with a bound policy or a Verify AI link Learn more about how Sure can launch your property management program in weeks, not months. Primary action: Book a walkthrough --- # Every closing, a chance to protect the home > Insurance products for real estate platforms and brokerages: homeowners at your listing page, title at the instant-offer moment, mortgage insurance inside your refi flow. Every transaction, every home, every line. Attached at the moment of commitment, underwritten in real time, handed to the homeowner with nothing left to chase. Canonical URL: https://www.sureapp.com/industries/real-estate Industry slug: real-estate Category: undefined ## Key metrics - 2.8x — Attach rate for homeowners insurance surfaced inside the offer flow. - 94% — Of title policies issued fully electronically, with clear-to-close hit in under 48 hours. - 21days — From kickoff to first bound HO policy in a new brokerage. - 3min — Median homebuyer time from 'quote' to 'bound' on pre-approved properties. ## Coverage that fits the listing, offer, and closing flow Whether you run platform, brokerage, or direct channel, the stack has a shape that fits. Same underwriting, same ledger, three in-flow surfaces. ### 01. HO-3 coverage, surfaced inside listing and search portals Surface a bindable HO-3 quote the moment a buyer favorites a listing. By the time the offer is written, the homeowner has their coverage in a wallet and their mortgage lender has the binder. - Property PID → pre-filled rating. No re-keyed forms. - Lender binder delivered to escrow automatically. - Buyer can split auto + home at the same screen. ### 02. E-title policies, issued the second the offer lands For instant-offer platforms, Sure issues title insurance at the speed the rest of the transaction moves at. Underwriter-backed commitments in minutes, not weeks, with remote notarization built in. - Property-scoped commitment in under 15 minutes for pre-indexed counties. - Owner's and lender's policies on one bind. - Remote online notarization (RON) in 44 states. ### 03. PMI and MIP that attach at refi, not after Lenders surface Sure's mortgage insurance products mid-refi, priced to the applicant, attached to the loan record, reconciled against your servicer's bordereau nightly. - Real-time eligibility against mortgage insurance guidelines at submit. - Single endorsement pushed to servicer, LOS, and escrow. - Automatic cancellation at the LTV threshold. ## Built into the tools real estate already runs on Prebuilt connectors for the systems the real estate industry actually uses. Drop in a handful of keys. Skip the integration tour. - MLS feeds — PID-first property enrichment, nightly refresh. - Encompass LOS — Binder and mortgage insurance docs pushed to the loan file. - SoftPro / ResWare — Title commitments as structured events. - DocuSign + Notarize — RON ceremonies, packaged with the bind. - Stripe / ACH — Premium collection, escrow-aware. - Model Context (MCP) — Agents can quote, bind, explain. ## Compliance - 50 states + DC, PR - ALTA-compliant commitments - RON in 44 states - Fannie/Freddie mortgage insurance guidelines - SHA-256 ledger · per policy ## Put a bindable quote inside your offer flow Learn more about how Sure can launch your real estate program in weeks, not months. Primary action: Book a walkthrough --- # Trip coverage attached at booking > Insurance for the travel vertical. Trip protection and cancellation for travel agencies, travel medical for booking and lodging platforms, and episodic coverage for a ski weekend, a dive trip, or a single flight. Priced to the itinerary, bound at your checkout, claim-able from your app. Canonical URL: https://www.sureapp.com/industries/travel Industry slug: travel Category: undefined ## Key metrics - 54% — Attach rate for trip protection surfaced at booking with itinerary-priced defaults. - $2.8M — Average monthly claim payouts for a mid-sized booking platform, settled in-app. - 28days — From kickoff to first bound trip policy in a new booking integration. - Global — Destination support for travel-medical, with in-app provider locator. ## Coverage built into the booking flow Whether you run platform, brokerage, or direct channel, the platform has a shape that fits. Same underwriting, same ledger, three in-flow surfaces. ### 01. Cancellation coverage that prices to the trip The old one-size plan, retired. Sure prices trip protection against the actual itinerary. Airfare, lodging, excursions, total trip cost. Coverage binds before the booking is locked. - Per-segment pricing from your PNR or property record. - Cancel-for-any-reason upsell at a filed multiplier. - Claim with itinerary pre-populated. No re-entry. ### 02. Medical coverage abroad, surfaced at lodging too Platforms that sell transportation and lodging can offer Sure's travel-medical as an add-on. Global support, in-app provider locator, and direct-pay to the hospital so the traveler isn't fronting their own care. - Direct-pay to in-network providers in 80+ countries. - Telehealth included. App-based claim submission. - COVID-era coverage retained and auditable per filing. ### 03. Coverage for a single day, a single hill, a single flight For short-term platforms that sell a ski day, a dive pass, or a rental car by the hour, Sure offers episodic accident and liability coverage that turns on the moment the activity starts and off when it ends. - Activity-specific filings: ski, dive, e-bike, watercraft, more. - Geofence + time-window triggering. No over-billing. - Stackable with the platform's underlying coverage. ## Built into the booking flows travelers already use Prebuilt connectors for the systems the travel industry actually uses. Drop in a handful of keys. Skip the integration tour. - Amadeus — PNR-scoped quote at booking. - Sabre — Trip protection as an ancillary line. - Travelport — Itinerary-priced defaults. - Guesty / Hostaway — STR lodging-plus-coverage bundles. - Stripe Connect — Multi-party settlement, platform + carrier. - Model Context (MCP) — Agents can quote, bind, claim. ## Compliance - IATA / ARC compatible - Global medical - 50 states + DC, PR - SOC 2 Type II - SHA-256 ledger · per policy ## Attach coverage to every itinerary that leaves your platform Learn more about how Sure can launch your travel insurance program in weeks, not months. Primary action: Book a walkthrough --- # 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. Canonical URL: https://www.sureapp.com/industries/wearables Industry slug: wearables Category: undefined ## Key metrics - 118ms — Median latency for turn-on-at-session-start AD&D coverage events. - $0.04/session — Blended cost of AD&D coverage on a wearable workout. Filed in all 50 states. - 48hrs — Median time from wearable-triggered claim to funds on the linked account. - 1.4M — 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. ### 01. 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. ### 02. 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. ### 03. 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 already on the wrist Prebuilt connectors for the systems wearables companies actually use. Drop in a handful of keys. Skip the integration tour. - Apple HealthKit / Health Connect — Activity events feed coverage triggers. - Whoop / Oura / Garmin / Fitbit — Native partner SDK for in-app claims. - Stripe / ACH — Per-session and monthly billing on the partner rail. - Plaid — Account verification for indemnity payout. - Zendesk / Intercom — Agents can adjudicate from a ticket. - Model Context (MCP) — Agents can quote, advise, adjudicate. ## Compliance - 50 states + DC, PR - AD&D and hospital indemnity filings - Device-protection filings × 50 states - SOC 2 Type II - SHA-256 ledger · per session ## Price coverage by the session. Bind it on the wrist Learn more about how Sure can launch your wearables program in weeks, not months. Primary action: Book a walkthrough --- # Jewelers Mutual® Group launches new digital jewelry insurance program powered by Sure Canonical URL: https://www.sureapp.com/newsroom/jewelers-mutual-group-launches-new-digital-jewelry-insurance-program-powered-by-sure Type: Press release Published: 2026-03-18T12:00:00.000Z *Sure combines its technology with Jewelers Mutual's century of specialized expertise in jewelry insurance to deliver a modern, standalone digital protection experience for consumers.* **NEENAH, Wis. (March 18, 2026)** – Sure, the global insurance technology leader that unlocks the potential of AI-first insurance, today announced the launch of a new digital jewelry insurance program underwritten by JM Specialty Insurance Company, a member insurer of the Jewelers Mutual® Group. Developed in collaboration with Jewelers Mutual and built to meet its specialized underwriting and coverage standards, the program reflects a modern approach to specialty insurance and is delivered end to end on Sure's configurable insurance platform. "Specialty products like jewelry insurance require both category expertise and modern technology to deliver a great customer experience," said Wayne Slavin, co-founder and CEO of Sure. "This program demonstrates Sure's ability to power complex, regulated insurance offerings at speed and scale, while enabling carriers like JM Specialty Insurance Company to maintain full control over underwriting, pricing, and claims." The program enables rapid launch and long-term scalability. Jewelers Mutual Group selected Sure to provide the technology foundation needed to bring its jewelry insurance product to market through a seamless digital consumer experience. "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," said Mike Alexander, President at 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." The jewelry insurance program offers customers: - Flexible coverage limits without requiring individual itemization - Protection against loss, theft, damage, and disappearance - Worldwide coverage for jewelry while traveling JM Specialty Insurance Company underwrites the policies and manages claims, bringing specialized expertise and repair coordination to help customers restore or replace items quickly. The program extends Jewelers Mutual Group's long-standing commitment to protecting jewelry owners through a digital platform built for modern consumers. ### **About Sure** Sure is the global insurance technology leader that unlocks the potential of digital insurance. Global brands and market-leading insurance carriers from the Fortune 500 build and launch sophisticated embedded insurance products on Sure's AI-first SaaS infrastructure to distribute, service, and scale digital insurance. Sure's insurance expertise combined with its technology increases revenue streams and accelerates market growth while revolutionizing the customer experience. Visit [sureapp.com](http://sureapp.com) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance). **About Jewelers Mutual Group** Jewelers Mutual was founded in 1913 by a group of Wisconsin jewelers to meet their unique insurance needs. Later, consumers began putting their trust in Jewelers Mutual to protect their jewelry and the special memories each piece holds. Today, Jewelers Mutual continues to support and move the industry forward by listening to jewelers and consumers and offering products and services to meet their evolving needs. Beyond insurance, Jewelers Mutual's powerful suite of innovative solutions and digital technology offerings help jewelers strengthen and grow their businesses, mitigate risk, and bring them closer to their customers. The Group insurers' strong financial position is reflected in their 39 consecutive "A+ Superior" ratings from AM Best Company, as of November 2025. Policyholders of the Group insurers are members of Jewelers Mutual Holding Company. Jewelers Mutual is headquartered in Neenah, Wisconsin, with other Group offices in Dallas, Miami, and Raleigh, North Carolina. To learn more, visit [JewelersMutual.com](https://www.jewelersmutual.com/). --- # Sure Verify delivers 97% compliance for regional property management firm > Sure Verify delivers 97% compliance for regional property management firm. Canonical URL: https://www.sureapp.com/newsroom/regional-property-management-firm-case-study Type: Case study Published: 2026-01-15T12:00:00.000Z ## About the Company ### Managing compliance at scale A regional property management company operates 66 rental communities across the Dallas-Fort Worth area. With 145 residents spread across multiple properties, they face the same challenge that impacts property managers nationwide: ensuring renters insurance compliance without the operational burden of manual tracking. Their leases require renters insurance, same as thousands of other property management companies. But legacy verification methods are cumbersome, expensive, and create operational bottlenecks that make consistent enforcement nearly impossible. That gap between policy and reality led to a six-month pilot with Sure Verify that transformed their compliance goals and created a new revenue stream through their existing lease requirements. > Without systematic verification, the industry standard compliance rate hovers around **50%**. That means half of all rental units carry unmitigated liability risk. --- ## The Problem ### The compliance gap Property managers face a deceptively complex problem: lease agreements require renters insurance, but there's no efficient way to verify compliance at scale. For property managers, non-compliance isn't just a paperwork problem. When tenants lack renters insurance and damage occurs, property managers often end up covering repair costs that should have been the tenant's responsibility. The financial exposure compounds across portfolios, turning what should be a routine lease requirement into a significant operational risk. The manual alternative of chasing down certificate of insurance documents from 145 residents across multiple communities wasn't realistic for a small team managing daily operations. Even when collected, certificates of insurance only provide a snapshot. Coverage can lapse, be cancelled, or change mid-term, leaving property managers to make decisions based on stale information. Leadership saw an opportunity to close a compliance gap that likely existed across their entire portfolio. --- ## The Solution ### Sure Verify for continuous monitoring Sure Verify is a compliance verification platform built specifically for property managers who require renters insurance in their leases. The system automates the entire verification workflow, from initial tenant notifications through ongoing compliance monitoring and enforcement reporting. Property managers get real-time visibility into which tenants have coverage and which don't, with automated tools to close compliance gaps at scale. The property management company became one of Sure Verify's pilot partners in mid-2025. Sure Verify integrated with their existing property management system to pull tenant data, and the verification platform went live within weeks. - The workflow runs in the background - Tenants receive automated notifications about compliance requirements and can either purchase coverage or upload their existing policy information - Staff simply check a dashboard when needed to see real-time compliance status across all 66 communities - Non-compliant tenants are flagged automatically, with monthly digests providing an easy review of enforcement opportunities - The property management team gets complete portfolio visibility without adding work to their daily operations The learning curve was minimal. After initial training, the team could manage the entire verification process without requiring ongoing technical support for routine tasks. --- ## The Results ### From paper requirement to measurable protection Technology alone doesn't drive behavior change. The property management team understood that verification without consequences wouldn't move the compliance needle beyond the industry-standard 50% rate. Their approach: enforce the lease requirement they'd always had in place. At the end of each month, they review Sure Verify's compliance report and apply fees to non-compliant tenants as specified in the lease agreement. This closed-loop system of verify, notify, and enforce drove their compliance rate to 97% within six months of launch. The high compliance rate doesn't just represent administrative success. It translates to measurable risk reduction across the entire portfolio. With 66 communities achieving near-complete compliance, they've transformed a paper requirement into actual liability protection for both their properties and their residents. > This property management company transformed an unenforceable lease requirement into a **97% compliance rate** across 66 communities in six months. --- ## What This Demonstrates ### Proof that verification works at scale Three staff members now maintain complete visibility into their portfolio's insurance compliance without adding operational overhead. Sure Verify runs in the background of their existing workflows, automatically notifying tenants, tracking compliance status, and surfacing enforcement opportunities through monthly reports. What was once a blind spot in their risk management strategy is now a measurable, manageable part of their lease administration. For property managers still relying on lease language alone to protect their properties, these results demonstrate what becomes possible when you can actually verify what you require. --- # Reading the room: When customer behavior reveals your real opportunity > Sure CEO Wayne Slavin shares how customer behavior revealed the real product opportunity—and why the best enterprise buyers come from past failures. Canonical URL: https://www.sureapp.com/newsroom/reading-the-room-when-customer-behavior-reveals-your-real-opportunity Type: Blog post Published: 2025-12-04T00:00:00.000Z Sure CEO Wayne Slavin recently appeared on the BUILDERS podcast, hosted by [Brett Stapper,](https://www.linkedin.com/in/brett-stapper-8488aa62/overlay/about-this-profile/) to share how Sure pivoted from consumer mobile app to B2B infrastructure. The shift happened because insurance executives couldn't stop pulling their engineering teams into meetings to examine Sure's backend operations. # Minimal investment testing of market demand Wayne's approach to demand validation offers a template for founders in regulated industries. Wayne started with zero insurance experience but a clear hypothesis: people want to buy insurance online when they need it. Ten years ago, he built a prototype over one weekend and ran paid ads to test demand. The 15.91% conversion rate from ad click to purchase validated the market before committing to regulatory processes. That single metric justified spending his first year navigating carrier partnerships as a solo founder. # The real product reveal Sure originally pitched itself as a consumer-facing mobile app. Wayne would demo the interface to insurance C-suites, who responded with polite interest about new distribution channels. Then, something changed. After Wayne would show the backend infrastructure of how the app worked, executives would call their own engineers into the boardroom saying, “We are spending hundreds of millions of dollars to try and figure this out. And these guys have figured it out already.”  The pattern repeated. Prospects would nod through the app demo, then lean forward when they saw the operations infrastructure platform. The energy shifted completely. After multiple meetings where prospects ignored the app but examined the backend systems intensely, Wayne recognized the signal. The infrastructure solving Sure's consumer business was what insurance companies actually needed. > “That’s when we realized, wait a second, we’re not going to be the marketing gurus, but we can be the tech gurus to do this.” # Three failure modes create the best customers Sure's ideal clients aren't greenfield opportunities. They're companies that experienced specific failures: **Internal builds that collapsed when engineers left.** Projects fell apart when key developers moved on, taking institutional knowledge with them. **Direct carrier partnerships that violated platform principles.** Brands discovered they had to rebuild integrations for each carrier relationship. **Multi-carrier tools that created analysis paralysis.** More options overwhelmed customers instead of improving experience. Wayne explicitly avoids prospects choosing to build internally. Companies selecting build options don't understand their environment. Sure marks these as "on hold" until failure brings them back. # Understand enterprise buyer psychology Wayne identified a critical insight about enterprise buying behavior: large company decision-makers face misaligned incentives when evaluating solutions. Leading internal builds looks impressive from a career perspective, but buyers unknowingly trade stable budgets for execution risk. In enterprise environments, execution risk ends careers. Large companies pay Salesforce billions not because everyone loves the product, but because it works consistently. It's about stable IT projects that deliver expected outcomes. The lesson for B2B founders: help enterprise champions articulate how buying solutions protects their job security rather than just emphasizing product superiority. # Becoming insurance chameleons  Sure's differentiation isn't performance metrics. Wayne describes Sure’s team as "chameleons" who match each partner's exact corner radius, modal behavior, and loader effects. This obsessive attention to UX details means product teams don't fight the insurance insertion. This enables customers to complete insurance purchases without touching their keyboard. All information pre-fills from partner data. All interactions match existing patterns. Most embedded solutions force brands to choose between functionality and consistency. Sure eliminates this choice. # Sure is sticking around for the long game Sure will continue to read the room. Wayne's thesis: the next twenty large insurance businesses will be built by consumer brands, not traditional carriers. These brands have the relationships to win but won't build infrastructure themselves. That’s where Sure comes in. The opportunity isn’t building another insurance carrier, it’s providing the technology rails that let brands with millions of customers become insurance businesses without spending a decade building infrastructure themselves. # Pattern recognition over planning Wayne's insights reveal how careful observation of buyer behavior can uncover opportunities larger than original product visions. The key is listening to what genuinely excites prospects, building solutions that reduce risk for decision-makers while seamlessly integrating into existing workflows. #### [Listen to the full podcast here](https://www.frontlines.io/podcasts/wayne-slavin/). --- # How Alcove launched embedded renters insurance with Sure in less
than a month > Learn how Alcove partnered with Sure to launch embedded renters insurance in less than a month. Canonical URL: https://www.sureapp.com/newsroom/alcove-case-study Type: Case study Published: 2025-11-15T12:00:00.000Z ## About the Company ### Making shared housing accessible in an unaffordable housing market Alcove is a shared housing leasing platform that is changing the game of shared housing by making it simple to lease private bedrooms in single family homes. Alcove enables tenants to easily search for available rooms, apply for housing, run credit and background checks, sign leases, and move into shared single family homes from a unified platform in a fraction of the time it would typically take. By connecting those who need housing with available inventory of rooms and compatible roommates, Alcove makes housing accessible to people who would otherwise be priced out of the market or stumbling around in the dark searching for options. > "From start to finish, Alcove is the modern way to rent a room. We've made finding roommates and housing as easy as just booking an Airbnb or an Uber." > > **Colin Tai**, CEO, Alcove --- ## The Problem ### Old insurance process slowed everything down Alcove set out with the ambitious goal of removing the friction of the shared housing process to make it a more enjoyable experience. Their vision was simple: Build a platform to seamlessly manage all aspects of the shared housing process. There was just one hurdle that stood in their way. The antiquated process of buying and managing insurance for tenants. Renters insurance is required for all tenants using Alcove. However, and at no fault of their own, the process of securing and providing proof of renters insurance was stuck in the past. After new tenants signed a lease, Alcove had no other option but to inform tenants via email that renters insurance was required and they should speak to their local agent to purchase it. At that point, users had to leave Alcove's platform to research and buy insurance on their own, then come back to upload proof of coverage. This analog approach didn't match Alcove's brand promise of making the leasing process simple, easy, and all in one place. --- ## The Solution ### Embedding renters insurance directly into the customer journey Sensing that the manual renters insurance process was affecting user experience and misaligned with their brand promise, Alcove started searching for permissible ways to let users streamline insurance on their platform during their existing customer flow. "We're trying to do everything we can in every step of the process to make it easy and seamless on one platform. Adding renters insurance was the obvious progression to achieve our vision and a natural fit for our platform," adds Tai. They selected Sure as their licensed partner to launch and provide an embedded renters insurance program directly into the customer experience on the Alcove platform. By partnering with Sure, Alcove moved closer towards being a truly all-in-one solution for shared housing while providing Alcove users the confidence that everything is completely handled for them. > "We want it to be a value-add for our platform users. We want them to know things are handled for them and they don't have to go into the wild and find renters insurance on their own." > > **Patrick Wickham**, CTO, Alcove The partnership with Sure provided several advantages: - **Simple and quick setup** — Configuration only requires one line of code, making deployment fast without straining dev resources. - **Faster, personalized checkout** — Sure's solutions allow customers to get a quote and buy a policy in under a minute. - **Native platform experience** — Sure adds the renters insurance purchase journey natively into any existing flow, maintaining trust and continuity with users. With this integration, Alcove can finally deliver on their promise of being a true end-to-end platform for the shared living economy, allowing users to complete their entire shared housing journey without ever leaving the Alcove platform. --- ## The Outcome ### A modern solution that powers sustainable growth Compared to other automation projects Alcove previously tackled, adding embedded renters insurance to their platform was refreshingly smooth and fast, launching in less than a month. **30% higher conversion than industry standard** > "Full credit to you guys for making it an easy experience. With Sure, we didn't need to go back and forth on sandbox environments or API documents. There was little lift for us." > > **Patrick Wickham**, CTO, Alcove Once the program went live, the results immediately exceeded expectations: - **Policy purchase conversion** — The program achieved a 30% higher conversion rate than the benchmark for partners using iFrame implementations with required flows, showcasing the effectiveness of their thoughtful integration approach. - **Quote initiation rate** — The quote initiation rate exceeded the average by 18%, indicating strong user engagement from the very first interaction with the insurance offering. - **Operational efficiency** — The streamlined process eliminated the need for manual insurance verification and reduced customer support inquiries related to insurance requirements. The program was able to generate results immediately not only because of the ease of deploying Sure's embedded insurance technology, but because of how strategically it was implemented within the customer purchase flow. Sure used their years of experience to integrate renters insurance in a way that wouldn't disrupt the process, offering it at the right moment to maximize the customer experience. > "Compared to other things we have done for our platform, this was a total walk in the park. Everything else in the past we had to build ourselves, but that wasn't the case with Sure." > > **Colin Tai**, CEO, Alcove Alcove's partnership with Sure shows how smart integration can turn operational requirements into competitive advantages. By partnering with Sure, Alcove finally achieved their goal of being a true end-to-end shared housing solution. The high policy adoption rates prove that when insurance is offered at the right moment with the right experience, it becomes a natural part of the customer journey rather than an obstacle. --- # Sure turns 10: The next decade of digital insurance innovation > Ten years ago, embedded insurance didn't exist. Now $1B+ flows through Sure's platform annually. The story of building rails for insurance everywhere. Canonical URL: https://www.sureapp.com/newsroom/the-next-decade-of-digital-insurance-innovation Type: Blog post Published: 2025-11-14T00:00:00.000Z Ten years ago this November, people from different corners of the world converged on a cramped New York City WeWork to build something that didn't yet exist: Sure. A decade later, more than $1 billion in premium flows through our platform annually. Enterprise brands serving millions of consumers rely on what we’ve built. We spent a decade creating what the insurance industry needed but couldn't envision or build itself. # The early days: no playbook, no precedent, just blue ocean The industry was still debating what to even call this emerging space of technology and insurance. The term "InsurTech" wouldn't stick for months. The numbers tell the real story: 99% of insurance transactions involve a human in some step. Electronic signatures were considered cutting-edge innovation. Most policies were sold through agents or call centers. Mobile apps were basic information portals at best. Online payments weren’t operational. It was all so aspirational. Buying embedded insurance within another brand's experience? Not even a concept. API integrations for insurance didn't exist. The idea of a complete vertical SaaS platform to handle everything from policy administration to frontend experiences wasn't on anyone's roadmap. Insurance lived in its own world, one with almost the lowest customer satisfaction scores of any industry. Even the DMV would rank higher on some surveys. # Finding product market fit We started with episodic travel insurance products and moved to renters and jewelry. All seamlessly delivered in a mobile-first experience. In 2015, that idea alone was novel. Carriers partnered with us because we could do something they couldn't, deliver instant quoting and binding that actually worked end-to-end. That’s when it all clicked. The platform we'd built for our own operations was the real product. While everyone else was still moving from paper to screens, we had built a complete operating system for any insurance product. We shifted from consumer app to SaaS platform provider before the category even had a name and while the incumbents were still debating a cloud offering. More than 100 companies adopted our integrations. Each partnership taught us something new about what enterprise distribution actually requires. Not just APIs, but complete experiences that lived entirely within a partner's ecosystem. Every implementation proved the approach worked and refined what came next. When COVID hit in 2020, growth accelerated for digital insurance programs. Sure’s platform kept running. Programs kept growing. Enterprise partnerships with the world's biggest brands and carriers validated everything at scale. Brands with hundreds of millions of customers chose our platform. The model we'd developed protected them from what had killed direct carrier partnerships before. We’d now proven we could scale programs across industries.  By 2023, Forbes named us to their Fintech 50 and again in 2024. Every new platform capability, insurance program, and customer success, built on lessons from the previous one. # Built to be invisible Like Visa facilitates cashless payments without being the bank or the merchant, Sure facilitates insurance transactions without being the brand or the carrier. The comparison isn't ours. It's how the industry describes what we do. Our platform supports automotive, home, commercial, and life programs through one unified platform, not scattered across systems and spreadsheets and broken promises. # The next decade of growth The embedded insurance market is projected to reach $700 billion by 2030. By 2028, 30% of all insurance transactions will happen through embedded channels. This isn't speculation. 94% of insurance executives already view it as critical to their future strategies. What's working in automotive and real estate is expanding everywhere. Life insurance is launching through employer platforms and fintech apps. Auto coverage is being offered by mobility companies and manufacturers. Home insurance is being embedded in mortgage and property management flows. Lines of business that couldn't scale through traditional channels are now reaching millions of customers through embedded experiences. The hard question of how to build has been answered. The execution risk has largely been eliminated. Economics align for everyone involved. Brands can own their customer experience without building insurance systems, and carriers can access distribution channels they couldn't reach alone. The market is ready for insurance programs Built on Sure. # The rails are built Ten years ago this category of company didn't exist. The model and distribution didn't exist. Someone had to go first. We’ve built the complete vertically integrated and turn-key solution for launching any embedded insurance program. The rails that let insurance meet customers exactly where they are. An immense amount of gratitude is owed to each person that joined Sure along the way to make this all possible. And a big ‘thank you’ to our early partners who believed our vision and took a chance on a startup. The foundation took a decade. What gets built on top of it? That's the next decade's work. --- # Sure at ITC Vegas 2025: The future of embedded insurance technology is here > Sure will be at ITC Vegas 2025 showcasing embedded insurance technology. Meet our team Oct 14-16 to discuss brand-carrier partnerships & integration solutions. Canonical URL: https://www.sureapp.com/newsroom/sure-at-itc-vegas-2025 Type: Blog post Published: 2025-10-07T00:00:00.000Z The insurance innovation world is converging on Las Vegas this October, and Sure will be right in the heart of it. [ITC Vegas 2025](https://vegas.insuretechconnect.com/) is set for October 14–16, 2025, at Mandalay Bay in Las Vegas, with over 9,000 attendees expected, making it the world's largest gathering of insurance innovation. For Sure's embedded insurance platform, ITC Vegas isn't just another conference; it's where the conversations that matter most to insurance distribution technology are happening. It's where carriers meet brands, where technology meets strategy, and where the future of insurance partnerships gets shaped. # What makes ITC Vegas essential ITC Vegas features curated education, ranging from kick-off summits, 10+ tailored tracks, and a variety of formats over three days resulting in actionable takeaways across the entire insurance ecosystem. But beyond the education, it's the convergence that matters most. Think about it: where else can you find insurance carriers actively seeking new distribution channels sitting alongside consumer brands looking to expand their revenue streams? The average attendee grabs at least 5 meetings while they're there, and that's just the official ones—not counting the serendipitous hallway conversations that often turn into the biggest opportunities. For a company like Sure that operates at the intersection of these two worlds, ITC Vegas is where our entire ecosystem comes together. That's why we're proud to sponsor the mobile app again this year—it becomes the digital extension of that convergence, a place where meaningful connections form and industry transformation accelerates. By supporting the platform that enables these essential interactions, we're investing in the infrastructure that drives innovation across the entire embedded insurance landscape. # The insurance distribution revolution is real The timing couldn't be better. We're witnessing brands across every vertical—from automotive OEMs to fintech platforms—recognizing that seamlessly integrated insurance isn't a "nice to have" anymore. It's become essential for customer experience and revenue diversification. Meanwhile, carriers are discovering new opportunities beyond traditional direct-to-consumer approaches. They're actively seeking qualified prospects through trusted brand relationships rather than expensive acquisition channels. This brand-integrated insurance model creates exactly this win-win scenario. Monetization is one of the biggest challenges for brands and insurance carriers at every stage of growth. From early-stage startups to established companies, embedded Insurance has become critical to drive new revenue. Embedded insurance enables brands to build new recurring revenue and higher customer lifetime value (LTV), while allowing insurance carriers to widen their distribution, scale, and lower their acquisition costs. # What Sure brings to the table Our attendance at ITC Vegas reflects something unique about Sure's embedded insurance technology position in the market. We're not just another Insurtech or a traditional carrier looking for partnerships. We're the insurance technology company that makes brand-integrated insurance programs actually work at scale. **For Insurance Carriers**, we provide access to brand partnerships with streamlined technology integration. Our proprietary platform handles everything from real-time rating and binding to claims management, all while maintaining your complete underwriting control and brand relationships. **For Consumer & B2B Brands**, we enable your customers to get insurance recommendations from you, the brands they already trust. Instead of forcing customers to research unfamiliar insurance options, we provide the technology rails to deliver insurance seamlessly within your brand experience—where your customers expect it. **For Both**, we eliminate the usual pain points: no more customers getting redirected to aggregator experiences, no more single points of failure, and no more complex multi-system integrations. # Wayne's ITC stage interview We're especially excited that Wayne Slavin, Sure's CEO and embedded insurance expert, will be interviewed on stage at ITC Vegas 2025. Wayne's insights on the embedded insurance ecosystem, the insurance integration challenges that actually matter, and the future of carrier-brand partnerships are exactly the conversations the industry needs to have. Wayne often talks about how Sure's decade of proprietary technology development puts us in a unique position to serve both sides of the insurance distribution equation. His stage interview will dive deep into what it really takes to build successful embedded insurance implementation and why most insurance technology integration attempts fail at the platform level. # Who we're looking to meet ITC Vegas brings together the entire insurance innovation ecosystem, and we're excited to connect with anyone interested in embedded insurance—whether you're exploring it for the first time or looking to improve existing programs. This includes insurance carriers seeking modern distribution channels, consumer brands considering insurance integration opportunities, technology leaders evaluating infrastructure requirements, and strategic partnership teams building ecosystem relationships. But really, if you're curious about how brand-integrated insurance actually works in practice, we'd love to connect. #### Ready to meet at ITC Vegas and discuss embedded insurance technology? Want to understand how embedded insurance solutions actually work—beyond the buzzwords and theoretical frameworks? We'd love to connect. Let's [schedule a time](mailto:partnerships@sureapp.com) to discuss how insurance integration solutions can work for your specific situation. We'll show you real examples of successful embedded insurance programs, walk through the technology that makes seamless insurance partnerships possible, and discuss what effective brand-carrier collaborations actually look like in practice. Whether you're a carrier looking to expand distribution through brand partnerships, a consumer brand considering integrated insurance for the first time, or a technology leader trying to figure out why most insurance integration implementations fail, Sure's embedded insurance platform has the experience and partnerships to help. ‍ --- # Five insights from the Open & Embedded Insurance Observatory plenary > Our key takeaways from the Open & Embedded Insurance Observatory plenary on embedded insurance evolution, from behavioral underwriting to distribution models. Canonical URL: https://www.sureapp.com/newsroom/five-insights-from-open-and-embedded-insurance Type: Blog post Published: 2025-10-06T00:00:00.000Z When we [shared our excitement about attending](https://www.sureapp.com/post/sure-joins-the-open-embedded-insurance-observatory-community) the Open & Embedded Insurance Observatory's annual plenary on September 23rd, we mentioned our focus on collaborative research and automotive industry opportunities. After a full day of presentations and conversations with embedded insurance practitioners at AWS New York, several themes emerged that point toward where the industry is heading. The panel "From car dealers to super apps: how retail distribution is evolving, and what it means for embedded insurance" featured Leonardo Cardone from Sure alongside Bill Suneson and Haden Kirkpatrick. The discussion surfaced insights that extended well beyond automotive into broader questions about embedded insurance implementation across sectors. Here are five key takeaways from the Observatory plenary. # Embedded insurance isn't new, but the technology platform is One panelist reminded the group that embedded insurance models have long existed: health insurance through employers, renters insurance via landlords, workers compensation through payroll providers. The concept of distributing insurance through trusted relationships isn't revolutionary. What's different is that APIs and digital platforms now make affinity distribution scalable, seamless, and significantly smarter than traditional methods. Where embedded insurance once required manual processes and paper applications, modern technology enables real-time integration, instant quotes, and one-click purchase experiences. Sure's platform consolidates what traditionally required three to four separate vendor integrations into a single technology solution. This approach reduces implementation complexity and accelerates time to market, typically within 60 days for enterprise programs. # Not all insurance should be one-click The panel explored a crucial nuance: the spectrum of experiences required for different insurance products. Simple products like travel insurance or device protection lend themselves to instant, one-click purchases. Complex or high-stakes products like auto or home insurance require guided journeys, thoughtful customization, and trusted touchpoints. Consider automotive financing scenarios. Customers need insurance to complete the purchase, but they also need to understand coverage options, state requirements, and how different choices affect their monthly payments. The embedded experience should deliver guidance seamlessly within the purchase flow rather than forcing customers to navigate these questions with unknown insurance agents. Sure's platform enables brands to deliver pre-filled quotes, explain coverage options, and guide customers through decisions while keeping them within the brand's ecosystem. The result is informed customers who maintain trust in the brand relationship while receiving appropriate insurance guidance. # Data sharing remains the biggest untapped opportunity A panelist pointed out a fundamental challenge: the technology for data sharing exists—connected dashboards, APIs, carrier data platforms—but cultural openness remains the barrier. During the discussion, the observation emerged that when players in the space learn to share data, the whole gets bigger than its parts. Consider telematics in automotive insurance. Connected vehicles generate driving behavior data that could inform underwriting, improve safety interventions, and reduce claims costs. When this data flows between automotive brands, insurance carriers, and embedded platforms, everyone benefits: carriers improve loss ratios, brands strengthen customer relationships through safety features, and customers receive more accurate pricing. Sure's platform serves as a neutral technology layer between brands and carriers, managing data flow according to agreed parameters. This architecture enables brands to leverage customer data to improve insurance experiences while carriers access the data they need for accurate underwriting and risk management. # Behavioral underwriting will transform insurance pricing The panel discussed a fundamental shift from underwriting cohorts to behavioral models. Traditional actuarial approaches segment customers into groups based on demographic characteristics and historical data. Embedded insurance enables dynamic, individual-level models that respond to actual behavior. Leonardo Cardone illustrated this with auto insurance: a premium might no longer depend solely on driving scores, but on how well customers respond to guidance and feedback about their driving. This shift aligns insurance pricing with active risk management rather than static risk assessment. Embedded insurance makes behavioral underwriting practical by creating the continuous touchpoints necessary for this model to work. Sure's platform maintains ongoing customer relationships through brand touchpoints rather than limiting interactions to purchase and claims, enabling carriers to leverage behavioral insights for more accurate, dynamic pricing while brands maintain customer trust through transparent data usage policies. # Superapps signal what's coming to U.S. markets Leonardo Cardone explained how superapps first flourished in less competitive markets abroad where consumers had fewer specialized apps and welcomed consolidated platforms. Now momentum is building in the U.S. market, with X and Robinhood both making strategic moves toward superapp functionality. Superapps represent the ultimate embedded distribution model: everything from commerce to financial services to insurance consolidated within a single trusted platform. When superapps arrive in the U.S. at scale, embedded insurance won't be an innovation, it will be a baseline customer expectation. Given the complexity of insurance operations, regulation, and carrier relationships, most superapps will likely embed insurance rather than attempt to become carriers themselves. Sure's decade of platform development positions the company for this evolution, with technology that already supports the multi-product, multi-carrier, seamless experiences that superapps will require. # Looking forward The Observatory plenary reinforced what we see in our work with brands and carriers: embedded insurance represents far more than a distribution channel innovation. It's the foundation for fundamental shifts in how insurance operates, from behavioral underwriting models to data-driven risk management to customer experiences that match modern digital expectations. The most significant challenges aren't technical, they're cultural: building the data sharing frameworks, carrier partnerships, and organizational alignment that make embedded insurance work at scale. These challenges require the collaborative approach the Observatory community exemplifies, practitioners sharing implementation experiences and building industry knowledge together. #### Want to discuss how these embedded insurance trends apply to your industry? Whether you attended the Observatory plenary or are exploring embedded insurance opportunities, we'd welcome the conversation. Reach out to [partnerships@sureapp.com](mailto:partnerships@sureapp.com) to continue the discussion. ‍ --- # Insights from Skift Global Forum: 3 major shifts reshaping travel > Sure attended Skift Global Forum 2025 to explore how travel's transformation toward embedded experiences creates opportunities for integrated protection. Canonical URL: https://www.sureapp.com/newsroom/insights-from-skift-global-forum Type: Blog post Published: 2025-10-01T00:00:00.000Z The travel industry is experiencing a fundamental transformation in how it reaches customers, serves their needs, and manages disruptions. At Skift Global Forum in New York City this September, these changes weren't theoretical—they were the lived reality of travel executives navigating profound shifts in distribution, technology, and customer expectations. With hundreds of travel industry leaders gathered for three days of frank discussion, Skift Global Forum provided a unique window into where travel is heading. [In our pre-event post](https://www.sureapp.com/post/why-sure-is-heading-to-skift-global-forum-2025), we mentioned our curiosity about how travel companies are thinking about embedded experiences and technology-driven customer service. After dozens of conversations with OTA executives, airline leaders, and travel technology providers, three themes emerged that signal major opportunities for how travel protection gets delivered. # The B2B revolution: OTAs discover embedded distribution Several conversations at Skift Global Forum centered on a striking shift: the world's largest online travel agencies are aggressively moving into B2B distribution. Hopper, Booking.com, and Expedia aren't just serving consumers directly anymore—they're powering travel experiences for banks, fintechs, and other consumer brands. The scope of this transformation became clear through multiple conversations. Major OTAs described B2B partnerships now representing the majority of their business growth. One example frequently referenced: Hopper's partnership powering Capital One's travel offering for cardholders, alongside similar programs with other financial institutions. The pattern extends across the category, with Booking and Expedia building similar B2B distribution engines. This reflects a broader recognition in travel that the most valuable distribution increasingly comes through platforms where customers already spend time and already trust. Rather than competing for attention in crowded search results, OTAs are embedding their travel capabilities into trusted brand experiences—banking apps, loyalty programs, and financial services platforms. This is where embedded insurance becomes particularly relevant. The same dynamics driving OTAs toward B2B distribution apply to travel protection. Customers don't want to be redirected away from their trusted brand experience to purchase insurance separately. They expect protection to be integrated seamlessly into their travel booking flow, presented naturally as part of the trip planning process. Sure's platform addresses this by enabling brands to offer comprehensive travel protection within their existing customer experience. Rather than sending travelers to third-party insurance sites, brands can provide trip cancellation coverage, travel medical insurance, and baggage protection as a natural part of the booking process. For OTAs building B2B offerings and brands considering travel programs, embedded insurance ensures customers stay within the trusted brand environment throughout their entire travel journey. # AI everywhere: from customer service to personal concierge Perhaps the most consistent theme across all conversations at Skift Global Forum was artificial intelligence and its implications for every part of the travel value chain. But the discussion went far beyond chatbots for customer service—industry leaders are grappling with whether AI fundamentally changes what travelers need and expect. Glenn Fogel, Booking Holdings CEO, dedicated significant attention during his keynote to exploring whether AI agents could replace traditional travel agents. The question wasn't whether AI can handle simple queries, but whether it can provide the anticipatory service and personal knowledge that defines premium travel assistance. Multiple attendees mentioned discussions about AI as personal concierge—rebooking disrupted flights automatically, finding alternative restaurant reservations for delayed travelers, and managing the complex cascade of changes that follows any travel disruption. This extends to fundamental questions about how travelers search and plan. If AI agents become the primary interface for travel planning, what happens to traditional search-and-browse experiences? How do travel providers optimize for AI recommendation rather than search engine ranking? Several conversations touched on what one attendee called "the death of FAQs"—the expectation that travelers will ask natural language questions rather than navigating help documentation. Embedded insurance positioning aligns closely with where AI is taking travel experiences. Rather than adding another layer of complexity to travel planning, embedded protection should simplify decision-making. When AI agents help travelers book trips, the same intelligence should seamlessly recommend appropriate protection based on destination risk, trip investment, and traveler preferences. The goal isn't to sell insurance policies—it's to ensure travelers are appropriately protected as naturally as their flights and hotels get booked. Sure's approach prioritizes this kind of intelligent, contextual protection presentation. Coverage recommendations can adapt based on trip characteristics—suggesting comprehensive medical coverage for international adventure travel, emphasizing cancellation protection for expensive non-refundable bookings, or highlighting baggage coverage for high-value equipment. As AI becomes more central to travel planning, embedded insurance needs to work with those same intelligent systems rather than creating separate, disconnected experiences. # Rising disruptions: climate, overtourism, and aging fleets The third major theme centered on a reality travel executives can no longer ignore: disruptions aren't decreasing—they're intensifying and diversifying. Climate change drives more extreme weather events affecting flight schedules and destination accessibility. Popular destinations are implementing capacity restrictions to combat overtourism. Airlines operate aging fleets with increasing mechanical issues. Multiple travel leaders mentioned growing customer anxiety about disruptions and growing expectations that travel providers will proactively manage those disruptions. The days of "sorry, weather delay, nothing we can do" no longer satisfy customers who've grown accustomed to real-time updates, automatic rebooking, and seamless problem resolution in other parts of their lives. What struck us was how often conversations moved from discussing individual disruption types to discussing systematic approaches to building customer confidence despite mounting uncertainty. The travel leaders doing this well aren't just reacting to disruptions—they're building protection and flexibility into their core offerings. This creates a significant opportunity for travel protection as a value proposition rather than an add-on sale. When customers know that weather delays, flight cancellations, and unexpected trip changes are covered, they book with more confidence. When protection triggers automatically based on verified disruptions rather than requiring claim paperwork, the experience matches modern expectations for how problems should get resolved. Sure's platform enables this kind of proactive, customer-centric protection delivery. Parametric triggers can process weather-related claims automatically based on verified data rather than requiring customers to file paperwork during disrupted travel. Integration with travel booking systems means protection activates immediately when trips are booked. And 24/7 claims support ensures travelers get help regardless of time zone or location—particularly crucial when dealing with disruptions far from home. For travel providers, embedded protection creates a competitive advantage. Rather than selling fear of disruptions, brands can emphasize the confidence and flexibility their protection provides. Rather than sending customers elsewhere for coverage, brands can demonstrate their commitment to traveler wellbeing through seamlessly integrated protection. # The embedded everything future of travel Skift Global Forum reinforced what we've been seeing in our work with travel brands: the industry is moving toward embedded experiences across every customer touchpoint. OTAs are embedding their capabilities in banking apps. AI is embedding intelligent assistance into every stage of travel planning. And protection needs to embed seamlessly in booking flows rather than existing as a separate purchase. The opportunity for travel brands—whether OTAs building B2B offerings, airlines rethinking customer experience, or emerging travel technology companies—is significant. Customers expect integrated experiences that anticipate their needs, protect their investments, and maintain their trust throughout the travel journey. The brands that embed those capabilities successfully will define the next generation of travel. #### Want to discuss how embedded travel protection works for your specific customer journey? Whether you're a travel platform exploring B2B distribution, an airline reimagining customer protection, or a travel technology provider building integrated experiences, we'd welcome a conversation about what we learned at Skift Global Forum and how embedded insurance can enhance traveler confidence while generating new revenue. Reach out to [partnerships@sureapp.com](mailto:partnerships@sureapp.com) to continue the conversation about embedded travel protection. --- # Sure joins the Open & Embedded Insurance Observatory Community for Annual New York Plenary > Sure's team joins the Observatory's embedded insurance community in NYC to share automotive research insights and advance industry collaboration. Canonical URL: https://www.sureapp.com/newsroom/sure-joins-the-open-embedded-insurance-observatory-community Type: Blog post Published: 2025-09-18T00:00:00.000Z The embedded insurance ecosystem is evolving rapidly, and meaningful progress happens when industry practitioners share implementation strategies, address integration challenges, and develop proven approaches together. That's why we're excited to participate in the Open & Embedded Insurance Observatory's annual plenary meeting on September 23rd from 1:00-7:00 PM ET at AWS New York Head Office (7 West 34th Street, New York). # Why the Observatory community matters The Observatory brings together embedded insurance practitioners for research collaboration and candid discussions about implementation challenges. Unlike traditional conferences focused on vendor presentations, this gathering emphasizes knowledge exchange among professionals who are building embedded insurance solutions. This year's annual plenary brings together the Observatory's community of industry professionals working on embedded insurance implementation and strategy. # Contributing to automotive research We're particularly excited to share insights from "The Automotive Advantage," our research on embedded auto insurance. Having worked with automotive brands facing the unique challenges of required insurance for financed vehicles, we recognized the need for industry-wide research on embedded auto insurance implementation. The automotive sector presents distinct embedded insurance challenges: customers must have coverage, pricing fluctuations are significant, and brand relationships are long-term investments that require careful customer experience integration. During the Motor Report presentation, we'll explore how automotive brands can navigate these challenges while building meaningful insurance partnerships. The data we've gathered, and more importantly, the patterns we've observed across different implementation approaches, offers valuable insights for anyone working at the intersection of automotive and insurance. Later in the breakout sessions, we'll co-moderate "The beginning of new era for auto insurance driven by OEMs?" alongside Willis Towers Watson. This partnership reflects what we value most about the Observatory: bringing together different perspectives to tackle complex industry questions that no single organization can answer alone. # Building industry knowledge together The Observatory focuses on collaborative research rather than competitive positioning. We've contributed to industry studies, participated in working groups, and shared learnings from our decade of embedded insurance experience. We do this not for immediate business value, but because collective progress benefits everyone working to improve embedded insurance implementation. This spirit extends beyond formal research. Some of our most valuable insights have come from informal conversations with other members about implementation challenges, customer feedback, and partnership strategies. The Observatory creates space for these exchanges in ways that traditional industry events simply can't match. # Connect with our team **Leo Cardone, Dustin Zweck, Alex Sklar, and Justin Sra from Sure will be at the Observatory plenary on September 23rd (1:00-7:00 PM ET) at AWS New York Head Office (7 West 34th Street, New York)**, and we're looking forward to continuing conversations about research, automotive industry opportunities, and multi-sector innovation. You'll find us presenting the Motor Report (1:40-2:10 PM ET), co-moderating the automotive OEMs breakout session (4:30-5:20 PM ET), and networking throughout the day, especially during the reception (5:30-7:00 PM ET). Whether you're exploring automotive partnerships, working on customer experience integration challenges, or interested in our perspective on platform development, we'd welcome the opportunity to connect and learn from your work as well. **Schedule time with our team at the Observatory event**, or reach out if you'd prefer to connect after the plenary to dive deeper into opportunities. Embedded insurance works best when practitioners compare implementation approaches, discuss integration challenges, and build on proven strategies. We're grateful to contribute these concrete discussions with the Observatory community. Ready to explore partnerships? [Contact our team](mailto:partnerships@sureapp.com?subject=Open%and%Embedded%202025%20Meeting%20Request) to discuss how insurance can work within your brand experience. ##### About Sure Sure's platform connects consumer brands with insurance carriers, enabling seamless insurance experiences within trusted brand relationships. With over a decade of proprietary technology development, Sure serves Fortune 500 brands across automotive, travel, retail, and financial services sectors. ‍ --- # How Sure enabled this online lender to become the first mortgage platform to offer embedded homeowners insurance > Discover how Sure partnered with a leading online lending platform to launch an embedded homeowners insurance program. Canonical URL: https://www.sureapp.com/newsroom/online-lender-case-study Type: Case study Published: 2025-09-15T12:00:00.000Z ## About the Company ### Meeting all homeownership needs Sure's partner is a family of companies serving all homeownership needs. The lending partner believes that homeownership should be fast and transparent for everyone and they are redefining the homeownership process from the ground up. From mortgage rates to home repair estimates, the platform provides customers with a one-stop online shop to meet the needs of all aspects of homeownership. > "We are an industry leader for servicing mortgages. We are a nationally ranked, top rated mortgage company, a top 50 lender in the US, and we are the number one fully digital lender. Our company is exceptional at finding customers that are looking for a mortgage or to refinance and then supporting the adjacent businesses that they naturally need as part of that process." --- ## The Problem ### Unlocking a customer need Customers use the platform to purchase homes, refinance their mortgages, or secure a home equity loan, and all three of those processes require proof of homeowners insurance. Customers who were actively on the platform had to go elsewhere to purchase homeowners insurance and then return to provide proof of insurance. The online lender recognized this experience gap and wanted a way to provide its customers with access to homeowners insurance that is both affordable and accessible in their moment of need. About four years ago, the online lender embarked on a path of creating an insurance agency within the company that could provide a more traditional route to enable the insurance sales transaction. The online lender worked with other insurtechs to incorporate homeowners insurance policies into the platform, but the process remained fragmented for the consumer and forced them away from the branded company journey. The lender realized it needed a partner that could build a truly distinct digital insurance experience unlike anything that was available on the market. They were looking to embed a fully digital homeowners insurance program with a partner who could provide flexibility and customization in order to offer customers a consistent, branded experience within its platform. > "Our ultimate goal is to make the process of purchasing home insurance better, faster, and easier than anybody has ever done before." --- ## The Solution ### Building a roadmap to autonomy with Sure To get its new embedded homeowners insurance program off the ground, the online lender asked: Should we build, buy, or partner? Building is too hard and expensive. Buying is too hard because nobody has a solution that provides the right fit. Partnering was the right way to go. So the online lender selected Sure as its strategic partner to launch its new embedded homeowners insurance experience. In Sure, the online lender found the ideal partner that offered the only one-stop-shop to meet all their needs delivered through its distribution technology as well as the carriers already on its network with insurance products at the ready. That's when Sure added the third leg of the partnership stool to bring Sure's longtime insurance partner Toggle®, a member of the Farmers Insurance® family, into the fold, who had a homeowners insurance product connected to Sure's insurance infrastructure network. "We had insurance agents who engaged with the borrower. We kept getting feedback from our customers that they wanted an autonomous experience. They didn't want to mull over options or speak to agents, they really just wanted to get the process done in five to ten minutes," the online lender shares. "It was then we realized that we weren't suited for those types of customers yet. That is how the relationship with Sure, and then later Toggle®, all started. It was then we asked ourselves 'Can we meet this customer need for a more self-service experience?'" This is a partnership that strategically and thoughtfully caters to where customers are at today and where they will be tomorrow. "The product and the ongoing development is a dynamic process. We can't view this through one lens and consider it finite," the online lender says. "Things change and insurance changes, even state to state. Over time, we plan to iterate. There are a lot of things that we can implement and a lot of ideas that we've spoken about with Sure and Toggle® that can happen." ### The path to a better insurance experience The lender's insurance program was transformed from a disjointed insurance sale to an embedded insurance experience that lives within the lender platform. With the online lender's customer base and platform combined with Sure's technology and distribution expertise, the partnership creates an embedded insurance experience that is leading the next wave of digital insurance innovation. Sure manages the end-to-end process and APIs that enable them to seamlessly integrate its cutting-edge embedded insurance infrastructure technology, while Toggle® provides the underwriting and insurance expertise surrounding the insurance product and claims. About 35% of borrowers are first time homebuyers. In most insurance purchase instances, there is a forced interaction with an agent to get a complete understanding and picture of the customer's needs. The latest release of the online lender's insurance program provides a more autonomous process for those customers who are looking for it. "About 35% of borrowers are first time homebuyers. During the mortgage process, we prompt the borrower to let them know that they need to pick a home insurance option. A number of customers prefer our recommendations because they are first-time borrowers," the online lender shares. However, the economy is constantly changing. Even just a couple of years ago, mortgage rates were lower and people were eager to get the rates locked in quickly. People were not as price sensitive as they currently are. Consumers are much more cautious with how they're spending their money and the online lender is making sure to accommodate those customers using Sure's omni-channel customer capabilities. ### Deploying Quote Assist™ Milestone transactions that occur once every 10–15 years, like buying a home, means that the customer doesn't have a lot of experience, which can mean a lack of trust in their own knowledge and decision making. A few months after launching, customers gave feedback that there is actually a need for a little bit of hand holding. "While people want a more autonomous process, they benefit from that coach to help walk them through the options," the online lender says. To that end, Sure had an off-the-shelf option from its stable of industry-leading solutions that enable the offline to online transition to happen seamlessly for both the customer and the insurance product being offered. Sure offers the best of both worlds – full autonomy for the consumer or a hybrid of digital blended with physical through its proprietary technology Quote Assist™. Quote Assist™ was born from the idea that while there's no stopping the march towards fully digital insurance experiences, sometimes a little human touch is still helpful. Quote Assist™ solves for this by empowering agents to quickly and easily facilitate quote generations that are sent directly to consumers, allowing them the opportunity to interact with agents while still managing their own digital transaction. "There is a segment of people who, when the timing is right, want zero interaction or limited interaction with an agent. That is why we went the original route and set it up for autonomy," the online lender shares. "But now, using Quote Assist™, we can also offer the ability to have engagement with these clients to help facilitate their insurance needs. Sure is enabling us to provide the best of both worlds." Thanks to Sure, Quote Assist™ empowers the online lender's team to engage with the customer, help generate a quote for them, and also see that quote. This iteration offers transparency and visibility between the customer and the agent. The online lender works with about two dozen carriers and has the ability to do quoting with them. With Quote Assist™, they can actively engage with clients and properly advise them in their moment of need. --- ## The Outcome ### White label innovation, enhanced user experience, and growing partnerships The online lender consistently works towards the best products for their customers and Sure is helping to achieve this. "We are committed to being a one stop shop for a mortgage borrower and it is advantageous to offer optionality to customers when they're looking at home insurance," the online lender says. "If the best option for customers is through the partnership with Sure and Toggle®, we are making sure that more customers are getting visibility in order to consider it strongly." The online lender enables a lifetime value proposition for customers. The three-way strategic partnership between the online lender, Sure, and Toggle® are dependent upon aligning on customer needs and communication. > "We prioritize communication and being thoughtful in how we approach things … open communication lines have been fantastic on Sure's end. I can't even stress that enough. The team is so open and willing to hop on a call when we need it." With Sure, the online lender retains control over the customer experience and has created a revenue stream for the business that previously did not exist. "Our ultimate goal is to make the process of purchasing a home insurance policy better, faster, and easier than anybody has ever done before and I think we're on the right path to that," the online lender says. "What we offer from a systems standpoint for client-facing infrastructure is fantastic. There isn't a lot of competition that exists today in that space." There is not another white label insurance product that has been fully embedded in this way. While other tech-enabled insurance companies have built online experiences on their own platforms, none have the capability to build fully branded embedded homeowners insurance programs for brands. Together, Sure and the online lender are changing how home insurance is distributed and reaching customers in a completely innovative, efficient manner. Importantly, Sure is providing a roadmap and repeatable framework for other brands that want to build adjacencies in insurance, be it homeowners insurance, auto insurance, or beyond. --- # Why Sure is heading to Skift Global Forum 2025: The future of travel meets embedded insurance > Sure is attending Skift Global Forum 2025 to explore how embedded insurance transforms travel experiences. Canonical URL: https://www.sureapp.com/newsroom/why-sure-is-heading-to-skift-global-forum-2025 Type: Blog post Published: 2025-09-12T00:00:00.000Z The travel industry is at an inflection point. From AI transforming booking experiences to shifting consumer expectations around digital-first services, the conversation at Skift Global Forum 2025 promises to be as dynamic as the industry itself. That's exactly why Sure's Leo Cardone and Alex Sklar will be joining "The Most Powerful Room in Global Travel" September 16-18 in New York City. # Why Skift Global Forum matters now This year's theme, "Travel 2030: People, Platforms, and New Paths Forward," captures something essential about where the industry is headed. While travel companies have mastered the art of getting customers from point A to point B, the real opportunity lies in what happens during that entire journey. The brands that win in Travel 2030 will be those that own the complete customer experience, not just the transaction. For the embedded insurance world, this couldn't be more relevant. Every travel booking represents a moment when customers are already thinking about protection for their trip, their belongings, their plans. The question isn't whether travelers want insurance; it's whether they can get it seamlessly from their airline, hotel chain, or travel booking platform without being redirected to unfamiliar insurance websites. # The embedded opportunity in travel The travel industry has always excelled at orchestrating complex experiences, coordinating flights, accommodations, activities, and logistics into seamless journeys. This expertise in experience design makes travel companies uniquely positioned for embedded insurance success. Consider the natural alignment: travelers are already in a planning and protection mindset during booking. They're thinking about trip value, potential disruptions, and peace of mind. Rather than treating insurance as a separate purchase decision, embedded insurance integrates protection seamlessly into this existing mental framework. The opportunity extends beyond convenience to genuine value creation. Trip cancellation coverage that activates during the booking confirmation process. Baggage protection integrated with airline check-in systems. Travel medical coverage that coordinates with destination-specific requirements and automatically adjusts coverage based on planned activities. What makes this particularly compelling for travel companies is the natural trust relationship. When customers choose you to plan their most important journeys (honeymoons, family reunions, business trips), they're already demonstrating confidence in your judgment and expertise. Embedded insurance builds on this foundation rather than competing with it. # What Sure hopes to learn at Skift Skift Global Forum represents a unique concentration of travel industry decision-makers grappling with the future of customer experience and revenue optimization. The conversations happening around AI transformation, platform evolution, and changing consumer expectations directly parallel the challenges embedded insurance can help solve. We're particularly curious about how travel executives are approaching the balance between technological innovation and customer trust. Our decade of building embedded insurance programs across Fortune 500 companies has taught us that the most successful integrations feel invisible to customers while delivering measurable business outcomes. This philosophy seems especially relevant for an industry where seamless experience is fundamental to brand value. The timing feels particularly strategic. Travel companies are investing heavily in platform modernization and customer experience enhancement. Embedded insurance fits naturally into this transformation, not as an add-on service, but as an integral part of how modern travel companies deliver comprehensive value to their customers. # The technology advantage The travel industry's sophisticated understanding of customer journey optimization creates unique opportunities for embedded insurance integration. Travel companies already excel at presenting relevant options at the right moments: upgrade offers during check-in, activity recommendations based on destination, loyalty program benefits tailored to travel patterns. Embedded insurance operates on the same principles, but with protection-specific intelligence. Dynamic pricing that adjusts based on destination risk profiles, weather patterns, and trip complexity. Parametric triggers that automatically process claims for flight delays or weather events. Integration with existing loyalty programs to reward customers who choose comprehensive protection. After building embedded insurance platforms for a decade, we've learned that success depends less on the sophistication of the insurance products and more on how naturally they integrate into existing customer workflows. The travel industry's expertise in experience orchestration makes it particularly well-suited for this type of integration. # Let's connect in New York If you're attending Skift Global Forum 2025 and are curious about how embedded insurance could fit into your customer experience strategy, Leo Cardone and Alex Sklar would welcome the opportunity to connect. Whether you're exploring new revenue streams, thinking about customer retention, or simply want to understand how embedded insurance works in travel, we'd love to continue the conversation that Skift Global Forum is sure to inspire. The future of travel isn't just about getting customers to their destination. It's about being their trusted partner for the entire journey. That includes the protection they need along the way. #### Attending Skift Global Forum 2025? Leo Cardone and Alex Sklar from Sure will be there September 16-18. [Schedule a meeting](mailto:partnerships@sureapp.com?subject=Skift%20Global%20Forum%20Meeting%20Request) to discuss how embedded insurance can enhance your travel customer experience while creating new revenue opportunities. #### Can't make it to Skift? Learn more about [Sure's embedded insurance platform for travel companies](mailto:partnerships@sureapp.com?subject=Skift%20Global%20Forum%20Meeting%20Request) or schedule a conversation about travel protection that works within your brand experience. ‍ --- # The future of insurance support is already here: How smart agents transform customer experience > Learn how AI agents transform insurance support with intelligent routing, CRM integration & 24/7 service. Insights from Sure's work with top carriers. Canonical URL: https://www.sureapp.com/newsroom/how-smart-agents-transform-customer-experience Type: Blog post Published: 2025-09-11T00:00:00.000Z Author: Marvin Sayson, VP of Product ‍ # The challenge: Scaling personalized support in embedded insurance As embedded insurance grows from a $210 billion market in 2025 to a projected $950 billion by 2030, both insurance carriers and their brand partners face an unprecedented challenge: how to deliver personalized, 24/7 customer support at scale without exponentially increasing costs. Traditional support models are breaking under the strain. Customers expect instant answers whether they're purchasing coverage on a website at midnight or filing a claim through their mobile app on a Sunday. Meanwhile, support teams are drowning in repetitive inquiries about coverage details, policy status, and basic claims questions. These tasks consume valuable human expertise better deployed on complex issues. For customer experience leaders watching support costs climb while satisfaction scores plateau, and for insurance carriers trying to differentiate their embedded offerings to brand partners, the status quo is unsustainable. # An agentic solution: Intelligent support across the customer journey Through years of partnering with leading carriers and brands in the embedded insurance space, Sure has gained unique insights into how modern agentic technology transforms insurance support across four critical touchpoints: #### 1\. Intelligent conversational agents for purchase and support Smart agents serve as the first line of engagement, whether customers are exploring coverage options on an insurance page or seeking help in a support portal. Built on advanced RAG (Retrieval-Augmented Generation) architecture, these agents don't just answer questions. They understand context and intent. **How it works:** The smart agent leverages a comprehensive knowledge base built from years of support learning to handle everything from simple FAQs to complex questions. It provides support in over 30 languages for global customers and continuously improves and updates. **The result:** Support teams can focus on high-value, complex cases while routine inquiries get instant, accurate responses around the clock. This dual approach ensures both operational efficiency and consistent customer experience across all touchpoints. Working with dozens of insurance programs has revealed that the most successful implementations combine domain-specific knowledge with adaptive learning capabilities, allowing the agents to understand nuanced insurance terminology while customer feedback scores improve. #### 2\. Smart routing with sentiment intelligence Not every inquiry can be resolved through self-service, and agentic technology can recognize the difference. Modern routing logic goes beyond simple keyword matching to understand both intent and emotion. **How it works:** Dynamic routing uses a comprehensive knowledge base of customer intents and the desired behaviors that address those cases, whether that's FAQ responses, phone support, or ticket creation. Sentiment analysis detects frustrated customers and prioritizes their routing, while specific routing rules filter responses based on the customer's specific questions. **The result:** Customers who need human support get it faster, while those with simple questions get instant resolution. This improves both efficiency and satisfaction. #### 3\. Real-time CRM integration for seamless handoffs One of the most powerful applications of agentic technology is its ability to act as an intelligent integration layer between insurance platforms and any CRM system. This isn't just about moving data. It's about creating a unified view of each customer's journey. **How it works:** Real-time APIs activate for all major lifecycle events including quotes, binding, adjustments, and cancellations. The system provides comprehensive data sync including all necessary data. Policy status indicators help sales teams distinguish between acquisition and retention opportunities, while flexible integration architecture adapts to any CRM through AI-powered schema mapping. **The result:** This flexible integration works with whatever CRM your support teams already know and love. No need to learn new systems or change existing workflows. The smart agent adapts to your tools, enriching them with real-time insurance data and customer insights. Through extensive work in the embedded insurance space, it's become clear that the most valuable integrations are those that enhance existing workflows rather than replacing them entirely, allowing teams to maintain their productivity while gaining new capabilities. #### 4\. Agent-assisted email support with platform intelligence The most innovative application combines agentic technology with Model Context Protocol (MCP) to create email responses that are both personalized and accurate. **How it works:** The smart agent analyzes incoming customer emails to understand the core issue, then queries the insurance platform for specific customer details. It generates draft responses from scratch, enriched with relevant information, and routes these drafts to a collaborative workspace where support agents can refine and approve them. **The result:** Support agents handle significantly more email volume while actually improving response quality, as every reply includes accurate and relevant information. # Implementation: Days, not months Unlike traditional enterprise software that requires extensive IT resources and months of integration, agentic support solutions can be implemented in less than half a day. This rapid deployment is possible because: - No changes to core insurance systems are required - API-first architecture integrates seamlessly with existing infrastructure - Pre-trained models understand insurance context out of the box - Brand voice and routing rules are configured through simple prompts # The strategic advantage: Value across the insurance ecosystem #### Transforming support operations For teams managing customer support, smart agents transform cost centers into competitive advantages. By handling the repetitive 70% of inquiries automatically, support teams can focus on complex cases that build customer loyalty. Early implementations show significant improvements in both cost reduction and satisfaction metrics. #### Enhancing partnership value Insurance carriers using agentic support technology can offer more than just coverage. They provide a complete support ecosystem that reduces operational burden for their partners. This creates stronger, more valuable relationships across the entire distribution network. #### Elevating customer experience Whether embedding insurance into an existing product or launching a new insurance offering, smart agents ensure the experience remains seamless. Customers never abandon their purchase due to unanswered questions, leading to higher conversion rates and increased lifetime value. The agents maintain consistent brand voice across all touchpoints, from initial purchase through claims support. # Looking forward: The agent-enabled insurance ecosystem As the insurance industry embraces agentic technology, with nearly 90% of insurers in some stage of implementation, the winners will be those who move beyond experimentation to deliver measurable business outcomes. Through extensive research and real-world application in the embedded insurance space, Sure has observed that a comprehensive agentic strategy provides: - **Immediate ROI** through reduced support costs and improved efficiency - **Scalability** that grows with your business without proportional cost increases - **Flexibility** to adapt to new use cases and customer needs - **Partnership value** that strengthens relationships across the insurance ecosystem The question isn't whether to adopt agentic technology in insurance. It's how quickly you can implement solutions that deliver real value. With the right agentic capabilities, that answer is measured in days, not months, with results that transform both customer experience and operational efficiency. Sure's platform has been at the forefront of this transformation, learning from implementations across diverse insurance programs and continuously refining these approaches based on real-world outcomes. --- # How TurboTenant increased renters insurance adoption by 30% in one week with Sure > Learn how TurboTenant partnered with Sure to increase rental insurance adoption, enhance the customer experience, and reach mobile users. Canonical URL: https://www.sureapp.com/newsroom/turbotenant-case-study Type: Case study Published: 2025-07-15T12:00:00.000Z ## About the Company ### All-in-one rental software for landlords TurboTenant is a comprehensive online property management and tenant screening solution, enabling landlords to manage every step of the leasing process in a single platform. As a leading rental software provider, the TurboTenant platform includes everything from advertising, screening, state-specific lease agreements, and rent collection. They also offer tenants seamless access to embedded renters insurance, which is where TurboTenant's partnership with Sure all began. > "We're an all-in-one solution for landlords. We help them with all aspects of property management so they can scale their business in the easiest way possible. The more features we offer and the more that TurboTenant can do for landlords to manage their business, the better." > > **Raj Karyampudi**, Principal Product Manager at TurboTenant --- ## The Problem ### Meeting customers on mobile To unlock access to renters insurance, TurboTenant was first using Sure's iFrame technology for its dynamic interface. The partnership quickly expanded once TurboTenant realized they needed a different implementation solution to best support their customers' preferred ways of using the TurboTenant platform. "We looked at our usage on mobile versus desktop. Over 90% of our renters are on mobile, so while the iFrame was a great way to dip our toe in the water with renters insurance, we needed a different long-term solution," says Seamus Nally, CEO at TurboTenant. The team at TurboTenant wanted a solution that would benefit both landlords as well as those who rent from them. The TurboTenant team decided that moving from iFrame to an API was the best way to better serve mobile users. "If the best next step was to take on the development work to integrate with an API, it made sense to evaluate all the competition," according to Raj. "Our goal was to reduce friction for tenants so that they can have access to the coverage they need to protect their belongings and the rental property without leaving the TurboTenant platform," Seamus says. --- ## The Solution ### A partner with experience TurboTenant shopped for an API solution to offer access to renters insurance and researched several companies in addition to Sure. After doing their due diligence, there were a number of reasons why Sure was the standout choice for their next iteration. First and foremost, there was a level of trust and familiarity with Sure helping TurboTenant first launch renters insurance in its platform. There was also the realization that nobody could compete with Sure both on the technology side as well as with speed to market. "We wanted to implement an API fast and we wanted to ensure that our landlords are adequately covered via their renters getting renters insurance," Raj says. "Sure checked both those boxes." For Raj and his team, it helped that Sure provided TurboTenant with robust API documentation that other solutions did not offer. "Because Sure had API docs and it was something they had already done with other partners, we trusted that the kinks had been worked out. We just felt confident that there was the experience delivering what we needed," Raj says. "With some of the other providers, it felt like we would be one of the first – or even the first. And, we didn't want to be guinea pigs." Sure not only has the experience and technology to get the job done, it also has partnerships with trusted brands in order to provide the best possible customer experience for insurance support. "Sure offers policies that compare very well against competitors. In my research, I looked at the policies themselves and think it provides better coverage for the renters – and ultimately the landlords as well," Raj says. Sure and TurboTenant's existing working partnership, mutual respect, joint vision, and shared data knowledge would prove to be the best – and fastest – way for TurboTenant to implement an API to offer access to renters insurance in its platform. Sure's robust integrations are also a bonus. --- ## The Outcome ### Rapid release, quick conversions Since TurboTenant had never done an integration like this before, they needed help and access to resources, which Sure provided in spades. "There was a direct line of communication between the development team and tech resources on the Sure side," Raj shares. "Sure opened a Slack workspace so my team could ask any questions directly and collaborate with Sure's expert technologists from start to finish." The process from development to release took about two months, with only a couple of people on Raj's team working on it, not their whole developer team. "In parallel, my team was able to complete other product and business objectives," Raj says. Raj and his team also had access to the highest levels of Sure for support. "We were speaking to and working directly with Sure's CTO, so we were getting the quality support we needed." TurboTenant credits the quick integration to the close working relationship with Sure's technology team and access to Sure's experts. > "[TurboTenant] is great software that takes you by hand and guides you from the beginning to the end of the process of renting." > > **Salvatore M.**, Landlord using TurboTenant The API release proved to be an immediate success. Within the first week of implementation, there was a 29% increase in conversion. TurboTenant now feels confident in their ability to give renters a better user experience. "Before iFrame, if renters wanted to get insurance, it wasn't realistic for us to expect that would work smoothly when most of our renters were using mobile and we couldn't support that well," Raj says. "We feel more comfortable now that we can support renters better." > "[TurboTenant] is very user-friendly and allows us to handle the application and screening process seamlessly. [It's an] absolutely fantastic tool for landlords and tenants!" > > **Shaun K.**, Landlord For landlords, TurboTenant automatically manages aspects of the rental process. TurboTenant can notify renters that insurance is required and the portal gives them easy access to Sure within the same environment. "Landlords love that we're making it easy so they don't have to do anything," Raj says. With the immediate increase in adoption of renters insurance, the TurboTenant team also felt a boost in morale. "Sometimes we don't know how much of a difference it will make. It was nice that as soon as we provided access to this offering, we saw a change. It's good for the team to feel encouraged that the work they're doing matters to our users and the business." With Sure's API fully established, Raj and his team are free to work on other projects. Their time is no longer spent worrying about how a majority of users can access the mobile tenant portal. TurboTenant now focuses on future feature releases with continuous iterations through their self-service model with an ongoing partnership with Sure. "As we get more adoption of our leasing products, our goal is to push more renters through the portal," Seamus says. > "It's the perfect win-win. We believe in the necessity of renters insurance; Sure offers great coverage at a competitive price, and it's frictionless for tenants to purchase. Our partnership was the linchpin to make it happen." > > **Seamus Nally**, TurboTenant CEO --- # Preferences for Insurance in a Digital World > Sure’s 2025 Consumer Sentiment Report reveals striking digital divide of insurance preferences between younger and older consumers. Canonical URL: https://www.sureapp.com/newsroom/2025-consumer-sentiment-report Type: Research report Published: 2025-06-01T12:00:00.000Z *The tale of a generational divide separating Digital Natives from Digital Immigrants* --- ## Diving into Demographics To better understand perceptions of the insurance industry as well as measure sentiment around purchasing insurance digitally, we partnered with Morning Consult to conduct a survey among U.S. adults. In total, we surveyed 2,127 individuals across age, race, geography, insurance type, and much more to find out how American consumers feel about their current insurance options and where the most opportunity lies to better serve them, digitally. Where appropriate, we dove deeper into the preferences separating Digital Natives (born in 1975 or after) from Digital Immigrants (born in 1974 or before). --- ## About the Survey The world of insurance is at a crossroads. As it stands today, only a small fraction of insurance transactions are truly digital, by some estimates, it's only 1% globally. This means that a human is involved in the vast majority of insurance transactions, whether that means working directly with an agent, reviewing claims paperwork, or someone entering information to produce an insurance quote. To draw a comparison, this puts insurance at a similar inflection point to the emergence of credit cards. Prior to that innovation, almost all transactions occurred via cash or checks. However, there were a few innovators that made the bet that cashless transactions would be the future and would soon dominate commerce, and the evidence that they were right is all around us. In today's world, it's not uncommon for merchants of all types to operate fully cashless. Just as the marketplace of commerce shifted, the marketplace of insurance is now shifting, and Sure is the first mover to build the technology rails for this shift to digital insurance. As we enter this pivotal moment, we wanted to measure how today's consumers are thinking about their current insurance options, the emergence of digital insurance, and much more. We set out to better understand perceptions of the insurance industry among U.S. adults and uncover the appetite for digital insurance experiences. What has become obvious through our research is that there is a clear and present divide separating Digital Natives (born in 1975 or after) from Digital Immigrants (born in 1974 or before) in their preferences for insurance experiences. This divide of preferences has huge implications for the insurance industry over the coming decade as Digital Natives overtake Digital Immigrants as the majority of the population. According to the U.S. Census Bureau, by 2035 Digital Natives will represent 72% of the overall U.S. population and 53% of adult consumers. By 2045 Digital Natives will balloon to 83% of the overall U.S. population and 65% of adult consumers. As more Digital Natives shop for insurance for the first time, their buying preferences are loud and clear, and they're not looking for their grandparents' way of purchasing insurance through human interaction. One half of Digital Native consumers say that they are more likely to purchase insurance online if the process requires less human interaction, while only one quarter of Digital Immigrants agree. The results of our survey demonstrate that the appetite for digital insurance options is strong, as three in five Digital Natives say that they would switch providers if their current insurance provider didn't offer digital options. What's more, 64% of Digital Natives believe insurance should be primarily purchased and managed online in today's digital world. These are just a few of our findings. Let's dig in. --- ## Top Takeaways ### 🏷️ Brands Become Insurers **65%** of all respondents who have purchased insurance online did so via the brand they made a separate purchase with (e.g., securing auto insurance while buying a car). ### 🚗 Auto Dominates Digital **76%** of all respondents who purchased insurance online said it was for auto insurance — by far the most common type of coverage purchased digitally. ### 🌐 Broader Brand Distribution **63%** of all respondents believe there should be more options to purchase insurance directly online from the brand (e.g., purchasing homeowners insurance online from your bank or lender). ### ⚡ Claims Conundrum **44%** of all respondents say that claim payout speed is "very important," while only **25%** are "very satisfied" with the speed of claims payouts provided by current insurance options. ### 📱 Digital Natives Want Digital Insurance **64%** of Digital Natives believe insurance should be primarily purchased and managed online in today's digital world. ### ✅ Digital Natives Prefer Digital **63%** of Digital Natives prefer to purchase insurance digitally and instantly confirmed. --- ## Part 1: Purchasing Preferences *Digital on the rise as Digital Natives come of age* We asked respondents how they had purchased insurance within the last year or more. The majority of respondents reported that they had spoken to an agent either in-person or over the phone and were not instantly confirmed. With this being the traditional way of purchasing insurance for decades (if not centuries), this is not surprising, especially considering we are still so early in the transition to digital insurance experiences. However, new digital insurance experiences are catching up with the outdated analog insurance experiences. At least half of all respondents indicated that they had engaged in an online digital insurance transaction within the last year or more either independently online or online with the support of a customer support representative if needed. What's striking is the generational divide of those who have engaged in a digital insurance transaction versus those who have not. • Younger consumers are almost twice as likely to have purchased insurance online on their own. (Digital Natives: 69% vs Digital Immigrants: 41%) • Younger consumers are more likely to have purchased insurance online with the help of customer support. (Digital Natives: 58% vs Digital Immigrants: 50%) • Both younger and older consumers still go analog, for now. (Digital Immigrants: 69% vs Digital Natives: 65%) • Younger consumers are more likely to prefer purchasing insurance online. (Digital Natives: 63% vs Digital Immigrants: 40%) • Older consumers are almost twice more likely to prefer purchasing insurance in an analog way. (Digital Immigrants: 54% vs Digital Natives: 32%) • 65% of all respondents who have purchased insurance online did so via the brand they made a separate purchase with (e.g. securing auto insurance while buying a car). • 76% of all respondents who purchased insurance online said that it was for auto insurance, by far and away the most common type of coverage purchased digitally. • 81% of those that purchased auto insurance digitally did so via the automobile manufacturer they purchased the car from. ### Takeaways While all respondents were most likely to have purchased insurance by speaking to an agent in-person or over the phone, digital insurance transactions are catching up to analog insurance transactions, with half of all respondents reporting they had engaged in a digital insurance transaction in the last year or more. Despite speaking to an agent being the most widely used insurance purchasing experience, it is the least preferred method. Only 43% of respondents prefer to speak to an agent while half of all respondents indicated they would prefer to do it online alone or online with the help of a customer support representative. The preference to purchase insurance online is even more striking with younger consumers. Digital Natives were twice more likely to say they prefer to purchase insurance online than speaking to an agent in-person or over the phone. When consumers do purchase insurance online, they indicate a preference for streamlining the customer experience by eliminating the need to shop for insurance options externally. Of all respondents who purchased insurance digitally, almost half said they did so directly from the brand through a digital insurance experience. --- ## Part 2: Factors to Go Digital *Convenience, efficiency, speed, and beyond* Of the 63% of survey respondents who have purchased insurance digitally, they shared what factors were most important to them to make the decision to go online. The results are not surprising given the frictionless experience of digital insurance. Convenience, efficiency, and speed were all highly cited as key drivers of their decision to purchase insurance digitally. Digital claims and policy management are also widely recognized as key differentiators as reasons to engage in digital insurance. Digital Natives represent the majority of all respondents who have purchased insurance online, which isn't all that surprising. However, what is surprising is that Digital Immigrants are starting to embrace digital. • 61% of those who have purchased insurance online are Digital Natives. **What factors were most important when making the decision to purchase insurance online?** • 91% said the process was more convenient. • 89% said the purchase process was more efficient and streamlined. • 86% said digital claims and policy management was superior. • 85% said the purchase process and claims payout was faster. ### Takeaways Convenience over effort and efficiency over friction were among the most touted reasons for going digital, and it makes sense since those are the biggest hallmarks of what makes digital insurance better. The need for a more convenient process and the ability to access all information about policies in one place is a top consideration across the board, with 91% of respondents considering both factors important in the decision-making process. Although the status quo has held that most insurance transactions take place with the help of human assistance, there is a clear interest in more autonomous ways to purchase insurance. When making the decision to purchase insurance online, nearly seven out of ten of respondents consider it important that the process involves less human interaction. --- ## Part 3: Converting the Unengaged *Unlocking digital insurance for those who haven't jumped in* Of the 37% of respondents who reported not purchasing insurance digitally, we asked them what barriers are preventing them from doing so. It was not a lack of familiarity or comfort, and it was not because of a concern with switching providers. By far and away the biggest barrier was the desire to speak to an agent, with more than half reporting that was their preferred method of purchasing insurance. Speaking to an agent was heavily skewed towards older consumers, with 66% of Digital Immigrants stating it was their preference to speak to an agent. Despite the desire to speak to an insurance agent, more than half of all respondents said they would be open to purchasing insurance digitally in the future, with younger, Digital Natives far more enthusiastic than Digital Immigrants. • 70% of those who have not purchased insurance digitally are Digital Immigrants. • 54% of respondents who have not already purchased insurance digitally said they would consider doing so in the future. **What factors would impact the likelihood of purchasing insurance online?** • 66% said the convenience of digital insurance would be an important factor. • 62% said the efficiency of digital insurance would be an important factor. • 61% said the faster process to purchase and receive claims payouts digitally would be an important factor. • 59% said the ability to access policy information and manage claims digitally would be an important factor. ### Takeaways Seven out of ten respondents who have not purchased insurance online were Digital Immigrants, further reinforcing the generational divide of online versus offline insurance purchasing experiences. Digital Immigrants are just more comfortable with what they have always known. Even for those that have not engaged in a digital insurance transaction, they intuitively understand that convenience and efficiency are the hallmarks of what make digital insurance better, and are cited as the most important factors when considering whether to purchase insurance digitally in the future. Speed was also widely seen as a key differentiator to consider going digital in the future. --- ## Part 4: Digital Insurance Satisfaction Guaranteed *Both Digital Natives AND Digital Immigrants are overwhelmingly satisfied* For those who have engaged in digital insurance transactions, the experience has been overwhelmingly positive across all age groups. Naturally, younger, Digital Natives have a higher propensity to engage in digital insurance transactions and their experiences have been overwhelmingly positive. What's interesting is that for older, Digital Immigrants who have engaged in digital insurance transactions (albeit at a far less propensity), their experience is equally positive as Digital Natives. Results also show the continued emergence of brands selling insurance directly to consumers through embedded insurance experiences. More than three fifths of respondents who have purchased insurance digitally, did so via the brand they made a purchase with. • 86% of respondents are satisfied purchasing insurance online from their computer or smartphone on their own and instantly confirmed. • 84% of respondents are satisfied purchasing insurance online from their computer or smartphone with the help of a customer support representative if needed any instantly confirmed. ### Takeaways For respondents who have engaged in digital insurance transactions, the experience was overwhelmingly positive. 86% who purchased online on their own were satisfied with their experience and 84% who purchased online with the assistance if needed were also satisfied. While Digital Immigrants have a far less propensity to purchase insurance digitally, for those that do embrace digital, their experience is overwhelmingly positive with over four out of five saying they were happy with their experience. The results of our report demonstrate that older consumers aren't that different from younger consumers. While they lack a desire to go digital, they end up doing it anyway with a high rate of satisfaction. So as we move towards fully digital insurance experiences, they will come along even if they don't prefer it. --- ## Part 5: Outlook for Insurance is Squarely Digital *Who's in the driver's seat?* There's no doubt about it: digital may not necessarily be the clear cut now, but it certainly is the future of insurance. We asked respondents for their opinion on a variety of topics related to digital insurance, and the hunger for digital is clear, especially when looking at younger, Digital Natives. Digital Natives grew up in a digital world and thus expect digital experiences for all matters of their lives. The problem is that insurance has been slow to keep pace with the preferences of Digital Natives, which is why they feel so strongly that the industry should shift its posture to be more focused on digital insurance experiences. • 64% of Digital Natives believe insurance should be primarily purchased and managed online in today's digital world. • 58% of Digital Natives would consider switching insurance providers if their current provider didn't offer digital insurance experiences. • 56% of all respondents find it challenging to shop for insurance due to how complicated the process can be. • 63% of all respondents believe there should be more options to purchase insurance directly online from the brand (e.g., purchasing homeowners insurance online from your bank or lender). • 65% of all respondents would be more interested in purchasing insurance online from a brand that's underwritten by a reputable insurance provider than they would be from going to find insurance independently. ### Takeaways The generational divide was consistent across our survey, but none more so than when we asked opinions on various aspects of the status quo of insurance and what the future could be. More than three out of five Digital Natives feel insurance should be primarily purchased and managed online in today's digital world. Sentiment among Digital Immigrants was less enthusiastic. The insurance industry is arguably one of the very last industries to embrace digital transformation, and more than half of all Digital Natives agree. This is a threat to incumbents, as almost 60% of Digital Natives said they would consider switching providers if their current provider did not offer digital insurance experiences. Respondents across all age groups agree that it is challenging to shop for insurance due to how complicated the process should be. This underscores the need for simplified experiences through digital insurance to make the process less complicated. --- ## Conclusion: The Future of Insurance is Digital *Skate to where the puck is going* The results of this survey are clear: **the future of insurance is digital.** There's an old saying in hockey: Don't skate to where the puck is, skate to where the puck is going. As younger consumers come of age and more frequently purchase insurance, their preferences are to do so digitally. Companies that don't adapt now to their digital preferences will be left behind as everyone else skates toward the digital puck. The first mover advantage is real, and it gives those prescient enough to pursue it the mind share, resources, and learnings first. To recall the earlier example of the emergence of credit cards and cashless payments, we've seen the first mover advantage at work in Visa and MasterCard. Those companies had the foresight to adapt to buyers' changing preferences for a seamless purchasing experience, and in the process, they revolutionized their industry as they connected the rails between merchants and banks to enable commerce. Now, the insurance industry has the opportunity to make a similarly radical shift to redefine the industry. The data is clear about which way the future of insurance is heading. While older consumers have traditionally purchased insurance in a way that required human interaction, younger consumers are just beginning to research and purchase insurance for the first time, and their preferences are clear. 64% of Digital Natives believe that insurance should be primarily purchased and managed online in today's digital world. This group will define the next few decades of insurance, and those who don't get on this train will be left behind as the market shifts to meet digital preferences. In addition to changing preferences, external circumstances are already forcing insurers to reconsider how they produce and distribute insurance products. The combination of climate change and eye-popping premium increases over the last few years has exacerbated the core problem in the insurance market: the sheer challenge and complexity of bringing new insurance products to market rapidly and updating them once in market. This, combined with the hurdles of launching insurance programs digitally, has kept the legacy players in the industry unable to adapt to the market quickly enough to serve consumers with the options they need, and the way they want to transact. By establishing partnerships with insurance infrastructure companies, insurers can get ahead of this generational shift and external pressures to better serve consumers with the insurance products that they need, in the way that they prefer to purchase them. Their fate depends on it. As more Digital Natives come of age, they will represent the bulk of U.S. purchasing power over the next two decades, and 3 out of five of them are open to switching providers if their current provider doesn't offer digital insurance experiences. This means that if insurers aren't willing to adapt, digital natives aren't afraid to take their business elsewhere. What's more, Digital Natives as well as Digital Immigrants won't necessarily take their business directly to a carrier. As more and more brands have emerged as insurance providers, consumers have grown more eager to engage in insurance transactions with brands they already have a strong relationship with. 63% of all respondents believe there should be more options to purchase insurance directly online from the brand (e.g., purchasing homeowners insurance digitally from their bank or lender). What's more, 65% would be more interested in purchasing insurance online from a brand that's underwritten by a reputable insurance provider than they would be going to find insurance independently. This further reinforces the power of partnerships between brands, carriers, and insurance infrastructure providers in today's digital insurance world. Today, everything is already online, but this hasn't been the case for insurance. Consumers have become accustomed to buying almost everything online and autonomously, but insurers have not adapted to the desire for this convenience. But with independent players building the technology rails of digital insurance and brands emerging as trusted insurance providers, everything works better. Transactions happen more quickly, and consumers are able to secure the coverage they need, in the way that they prefer to purchase it, quickly and seamlessly. For their own survival, legacy insurers had better open their eyes to see where the puck is going and skate towards it. --- # The future of the insurance industry: Key takeaways from Wayne Slavin on the Slice of Finance podcast > Sure CEO Wayne Slavin shares key insights on future of insurance on Slice of Finance podcast. Canonical URL: https://www.sureapp.com/newsroom/the-future-of-the-insurance-industry-key-takeaways-from-wayne-slavin-on-the-slice-of-finance-podcast Type: Blog post Published: 2025-05-30T00:00:00.000Z Author: Ben Veghte, Head of Communications & Marketing Sure CEO Wayne Slavin recently joined Jared Taylor on the [Slice of Finance](https://www.sliceoffinance.com/p/35-wayne-slavin-ceo-at-sure) podcast to discuss the parallels he sees between the interconnectivity of banks and what the insurance industry needs to do to move from disparate islands to one unified network. Here are the key takeaways to usher in an interconnected insurance industry. ## Key Takeaway #1: Inflection point in the insurance industry The insurance industry is a real inflection point. After decades of operating in silos, we're witnessing the beginning of a shift toward interconnected systems that will allow for frictionless insurance transactions at the moment consumers need them. This transformation is driven by three key trends: 1. Gen Z consumers are thumbs down on analog, and are screaming for seamless digital experiences that fit into their digital lives. 2. Major consumer brands are expanding their ecosystems. They've paid to acquire customers and want to monetize their relationships further. 3. Insurance companies are facing unprecedented pressures from pricing to marketing costs to staffing challenges. ## Key Takeaway #2: The brand-first insurance experience will win Consumers rarely, if ever, have affinity for their insurance company. Their loyalty lies with the brands they trust and purchase from regularly. A person doesn't walk around with a t-shirt that says Geico. They are more likely to identify with consumer brands they trust – the brand of car they drive, the airline they fly with most frequently, etc. This is a perfect opportunity for brands to offer embedded insurance, but the approach these brands take is crucial for driving adoption. AppleCare is a perfect example. They do not offer five different options for AppleCare. They offer AppleCare, yes or no... that type of experience is what will win because it's simply better for the consumer. Brands must create embedded insurance experiences where insurance doesn't stand in the way. If consumers want to book their flight or buy a car, insurance shouldn't be an obstacle. If brands make it easy enough, they'll buy it. ## Key Takeaway #3: Data-Driven Insurance Will Create New Opportunities Customer data will create personalized insurance experiences benefiting both consumers and companies. Take smartphones as an example. When you put a case on your iPhone with those magnets used for charging, the phone immediately knows you have a case on. This means Apple could reduce insurance premiums for users they know have a protective case on their phone. This represents a fundamental shift from traditional insurance data approaches. The industry has been focused on things like driving behavior and telematics data, but what if we thought differently? These data-driven advances will enhance customer experiences while potentially reducing risks and costs for everyone involved. #### Looking Forward At Sure, we're building the infrastructure to make these new insurance experiences possible. We're creating the insurance technology rails that connect insurance carriers with the brands consumers already trust. For insurance executives and Fortune 500 brands alike, the opportunity is clear: Reimagine your distribution channels to meet consumers where they already are. Create frictionless, embedded insurance experiences that benefit everyone involved. ‍[![Wayne Slavin on Slice of Finance podcast](https://cdn.prod.website-files.com/5ef11f3bdcbcc255dcaa37ba/681539b7fa6aebba969ebd30_sure_podcast_image_slice-of-finance%20\(1\).png)](https://www.sliceoffinance.com/p/35-wayne-slavin-ceo-at-sure) --- # Industry transformation: Key takeaways from Sure CEO Wayne Slavin on the Bank On It podcast > Sure CEO Wayne Slavin shares key insights on future of insurance on Insurtech Amplified podcast. Canonical URL: https://www.sureapp.com/newsroom/industry-transformation-key-takeaways-from-sure-ceo-wayne-slavin-on-the-bank-on-it-podcast Type: Blog post Published: 2025-05-13T00:00:00.000Z Author: Ben Veghte, Head of Communications & Marketing Sure CEO Wayne Slavin recently joined John Siracusa on [The Bank On It](https://bankonitpodcast.com/episode-645-wayne-slavin-from-sure) podcast to discuss how Sure is revolutionizing insurance distribution by connecting carriers and brands on one network. Here are the essential insights for insurance industry leaders and global consumer brands ## Key Takeaway #1: Insurance companies need to stop operation on islands Insurance companies have historically operated as disconnected islands. They are not connected by default like banks are now. You can easily move money between banks, transfer whatever you need, and they're connected to the Fed. Insurance companies have always operated on islands and still do. You don't move your insurance from one carrier to another. They don't transfer your information. You stop being a customer with one and start a relationship with the new one. To improve customer experience, the industry needs a neutral network to run digital insurance programs efficiently – similar to how Visa and Mastercard connect banks with merchants. ## Key Takeaway #2: Brand Affinity Can Drive Insurance Distribution Consumer brands have built relationships that insurance carriers cannot easily replicate. Most consumers don’t have affinity for their insurance company. If they did, insurers wouldn't be spending all that money on advertising. Where you find affinity is with consumer brands – from the car you drive to the online lender you secure your mortgage from. Insurance companies want loyal customers without paying a lot of money to acquire them. That’s why I believe that the next big wave of insurance programs will be built by consumer brands partnering with established carriers. The partnership model is a win-win: Carriers gain cost-effective acquisition channels while brands benefit by enhancing customer experience – all without needing to become insurance experts themselves. ## Key Takeaway #3: Legacy Systems Can't Support Digital Insurance The insurance industry's legacy technology cannot support modern digital experiences. Insurance carriers have tried to make it work with their legacy softwares but that has proven to be difficult. Only a few organizations have the capacity to develop in-house. The insurance industry's outdated infrastructure creates a barrier to building modern digital experiences.  The industry needs an independent network – similar to payment networks – that connects carriers with brands. Sure has built this critical infrastructure: Core software enabling digital transactions for carriers, intuitive platforms for brands to sell insurance, and the technology to seamlessly connect these systems. This ready-built solution eliminates the need for in-house development that few organizations can resource effectively. "Legacy systems have become the invisible barrier preventing insurance carriers from delivering the modern digital experiences consumers expect. With carriers operating across multiple disconnected platforms, integration has become prohibitively complex and expensive,” said Wayne during the interview. “What the industry desperately needs is an independent network that enables seamless carrier-to-carrier integration, unlocking both enhanced digital customer experiences and new distribution opportunities through consumer brand partnerships. This network would serve as the crucial bridge between traditional insurance infrastructure and the digital-first future customers demand." #### Looking Forward The insurance industry is at an inflection point. Insurance carriers who recognize the power of connecting & distributing insurance products with brands will lead the next wave of growth. For Fortune 500 brands and insurance executives alike, the opportunity lies in reimagining distribution channels to meet consumers where they already are. [![Wayne Slavin on Bank On It podcast](https://cdn.prod.website-files.com/5ef11f3bdcbcc255dcaa37ba/68152c288b908313c1cc79a3_sure_podcast_image_bank-on-it%20\(1\).png)](https://bankonitpodcast.com/episode-645-wayne-slavin-from-sure) --- # The insurance connectivity revolution: Key insights from Sure CEO Wayne Slavin on the Insurtech Amplified podcast > Sure CEO Wayne Slavin shares key insights on future of insurance on Insurtech Amplified. Canonical URL: https://www.sureapp.com/newsroom/the-insurance-connectivity-revolution-key-insights-from-sure-ceo-wayne-slavin-on-the-insurtech-amplified-podcast Type: Blog post Published: 2025-04-28T00:00:00.000Z Author: Ben Veghte, Head of Communications & Marketing In a [recent episode of InsureTech Amplified](https://insurtechamplified.com/ep-51-insurance-needs-to-be-interconnected-and-seamless-wayne-slavin-ceo-of-sure/), host Michael Weitz sat down with Sure CEO Wayne Slavin to discuss the future of insurance and why interconnectivity is critical to the insurance industry's evolution. Below are just a few of the key insights from their conversation. ## Key Takeaway #1: While banking has evolved to allow seamless transfers between institutions, insurance remains a fragmented experience Banks are connected for a variety of reasons.Your money can move from one place to another. Similarly, your entire financial history follows you seamlessly. Insurance companies have historically not been connected. If you switch insurance providers, you're essentially starting from scratch – providing the same information over and over again. "I'm going through this right now,“ shared Wayne. My home insurer is leaving my state and  wouldn't it be easier to just say, you have all my home info, just move me to someone else? Instead, I'm terminating one policy, starting a new relationship, and re-submitting all my information. There has to be a more efficient way.” ## Key Takeaway #2: The next wave of insurance programs will come from consumer brands Most customers feel no particular loyalty to their insurance provider. If consumers truly loved their insurance providers, would these companies spend billions on advertising? The real affinity lies with the brands people already trust. Just as companies like Delta, Marriott, and Amazon built successful credit card businesses by leveraging existing customer relationships, consumer brands are positioned to transform the insurance industry. "Our belief is that the next big wave of insurance programs and businesses will be built by consumer brands," said Wayne. "If I'm a Toyota owner, that's where I want to get my financial services from." ## Key Takeaway #3: Legacy insurance systems lack the digital infrastructure needed for modern, connected experiences Insurance companies have poured billions into trying to modernize their systems to deliver better customer experience, but these projects frequently falter. Despite good intentions, most carriers struggle to replace legacy systems that weren't designed for interconnectivity. “You go across big insurers and you ask them, you know, how many IT projects have you started, how many have you stopped, how many legacy systems have you actually turned off? And you will find that the success rate is shockingly low,” shared Wayne. This persistent challenge isn't due to lack of effort, but rather highlights why the insurance industry needs an independent insurance technology rails network (similar to Visa or Mastercard in finance) to run digital insurance programs efficiently. ## Key Takeaway #4: Interconnected insurance creates efficiencies for everyone in the ecosystem When insurance becomes as interconnected as banking, the benefits are substantial: - Insurance carriers gain new distribution channels without rebuilding their technology - Brands can enhance their core offerings with insurance without needing to become an insurance company and building the software - Customers get the right insurance when it matters #### The Road Ahead The insurance industry stands at the doorstep of a transformation. With younger consumers preferring to purchase insurance online and believe there should be more options to buy insurance directly from consumer brands, the industry needs to become interconnected. By building a better digital infrastructure, insurers can expand their distribution efficiently and offer customers the right insurances when it matters. [![Wane Slavin on Insurtech Amplified podcast](https://cdn.prod.website-files.com/5ef11f3bdcbcc255dcaa37ba/68152d51bceb5c1841faa66d_sure_podcast_image_insurtech-amplified%20\(1\).png)](https://insurtechamplified.com/ep-51-insurance-needs-to-be-interconnected-and-seamless-wayne-slavin-ceo-of-sure/) --- # Embedded auto insurance: Driving the future of coverage for drivers > Learn about how Sure is enabling the future of auto insurance on it’s technology rails and network to enable brands to offer embedded insurance. Canonical URL: https://www.sureapp.com/newsroom/embedded-auto-insurance-driving-the-future-of-coverage-for-drivers Type: Blog post Published: 2025-04-09T00:00:00.000Z Author: Wayne Slavin, CEO Embedded insurance is the topic du jour in insurance. It’s all the rage. Except that many are getting the modern definition of embedded insurance wrong. Embedded insurance has been around for a long time – just without the benefit of data and technology and improved customer experiences. For decades, consumers have added coverage like travel insurance when purchasing airfare or warranty protection when purchasing appliances. These are tried and true examples of embedded insurance – in an analog world. In our digital world, embedded insurance uses data and technology to seamlessly transact insurance online – far beyond the simple insurance products like travel insurance and product warranty.  It provides consumers with the ability to purchase complex insurance products, like auto insurance with your new car purchase or homeowners insurance during the mortgage process,  through a completely digital buying process.Embedded insurance is all about meeting the customer with the right product at the exact moment of need, through a frictionless digital experience not offered by insurance carrier websites. While it’s not a new phenomenon, the hype around embedded insurance is exploding. In fact, according to a [forecast](https://www2.deloitte.com/us/en/insights/industry/financial-services/financial-services-industry-predictions/2023/embedded-insurance.html) from Deloitte, the embedded sales of property and casualty (P&C) insurance alone by 2030 will reach $700 billion globally. Many are right to ask: Is the hype real, or just another example of overstated trends?  ## Made for this moment What is new about this moment is the market shift in consumer appetites for insurance purchasing experiences. According to our new [2025 Consumer Sentiment Report: Preferences for Insurance in a Digital World,](https://www.sureapp.com/2025-report-landing-page) 64% of Digital Natives (those born in 1975 or later) believe insurance should be primarily purchased and managed online in today’s digital world. Not only are consumers hungry for insurance to modernize, they’re already partaking in digital transactions. At least half of all respondents in our survey indicated that they had already engaged in a digital insurance transaction, with 70% of Digital Natives leading the way.  This is especially true in auto insurance. While offering auto insurance at the point of sale is already standard practice in many parts of the world, the U.S. has been slow to adopt. This means that the market opportunity is enormous. The same [Deloitte report](https://www2.deloitte.com/us/en/insights/industry/financial-services/financial-services-industry-predictions/2023/embedded-insurance.html) found that U.S. personal auto insurers wrote $267 billion in premiums in 2022, accounting for nearly two-thirds of the personal lines segment and one-third of all P&C direct premiums written. Deloitte predicts that if as much as 20% of the U.S. personal auto market shifts to embedded by 2030, at least $50 billion in premiums could be diverted away from the industry’s traditional distribution channels. If automakers have the foresight to partner with insurtech infrastructure companies, they could shift billions of these dollars and maintain control of the customer experience.  Importantly, American consumers are ready for this shift. 76% of respondents in our new report who had previously purchased insurance online said that they had purchased auto insurance – and it was, by far, the most common type of coverage purchased digitally. Not only are consumers willing to purchase insurance online, they’re overwhelmingly satisfied when they do. Across all age groups, 86% of our respondents reported feeling satisfied when they purchased insurance online on their own.  ## From the mouths of brands One thing is clear from our data: Consumers are ready for the insurance industry to shift, and they’re looking to brands to lead the way. Of those who had purchased auto insurance digitally, 81% did so via the automobile manufacturer that they purchased the car from. Across all age groups, 63% of respondents believe there should be more options to purchase insurance online directly from a brand. Even if they haven’t already made the switch to digital, more than half of respondents said they would consider doing so in the future. Almost two-thirds of Digital Natives said they were open to it, and 58% of them said they would consider switching insurance providers if their current one didn’t offer digital insurance experiences. Within the next decade, this group will dominate the future of insurance transactions – and those who can’t adapt will be left behind.    All of this is to say that implementing embedded insurance products at the point of sale not only has the potential to disrupt legacy distribution channels, it also creates a huge opportunity for insurance carriers to forge partnerships with insurtech providers and brands that own their ecosystems. The first mover advantage is real, and it gives those prescient enough to pursue it the mind share, resources, and learnings first. As more and more consumers expect embedded insurance experiences, those carriers who refuse to adapt are going to lose out on the billions of premium in play – this is a true disruption moment in time. --- # Sure launches Sure Verify™ to transform insurance coverage verification for property management industry > Sure launches Sure Verify to automate compliance monitoring and verification of insurance for property management industry. Canonical URL: https://www.sureapp.com/newsroom/press-release-sure-launches-sure-verify-tm-to-transform-insurance-coverage-verification-for-property-management-industry Type: Press release Published: 2025-02-13T00:00:00.000Z ##### _AI-powered insurance platform automates compliance monitoring and verification to eliminate manual processes and gaps in coverage_ ‍ **DALLAS, TX — February 13, 2025 —** Sure, the insurance technology leader that unlocks the potential of digital insurance, today announced the launch of [Sure Verify™](https://suredigin.biz/3Cu64gH), a groundbreaking, AI-powered solution that automates insurance compliance verification in real-time. The first-of-its-kind platform enables property managers and property management software providers to automatically verify and monitor tenant insurance coverage, eliminating coverage gaps and reducing operational overhead. "The process of verifying and monitoring insurance compliance has remained stubbornly manual and error-prone, creating significant risks and operational inefficiencies for businesses," said Wayne Slavin, CEO of Sure. "Sure Verify represents a fundamental shift in how businesses handle insurance compliance verification. By leveraging AI and our insurance technology rails, we're transforming what was once a painful manual process into an automated, real-time monitoring solution that ensures continuous compliance while dramatically reducing operational costs." ## Revolutionizing insurance compliance Sure Verify™ transforms the traditional insurance verification process with a proprietary AI-powered insurance platform to automatically validate coverage details from any insurance policy. The platform integrates seamlessly into existing property management platforms and resident onboarding workflows, thus enabling tenants to verify their insurance in less than a minute. Property managers gain access to a centralized dashboard that provides real-time visibility into compliance across their portfolio, detailed reporting, and real-time alerting with automated notifications handling policy renewals and compliance updates. Sure Verify™  addresses a critical need at the intersection of the insurance and property management industry, where manual policy verification traditionally requires extensive staffing resources and manual processing that leaves room for human error. Sure Verify™'s automated AI agents not only eliminate these inefficiencies but also provide continuous monitoring to ensure consumers maintain proper coverage uninterrupted throughout their policy term. ## Meeting market demands Sure Verify™ comes at a time when businesses across all industries are seeking automated solutions to reduce operational overhead. The property management industry alone processes millions of insurance verifications annually, with manual processes leading to frequent coverage caps and increased liability of exposure. For property management companies struggling with manual verification processes and coverage gaps, Sure Verify™ delivers: - Automated real-time monitoring of tenant insurance policies - Instant verification of coverage requirements and policy details - Proactive alerts for policy changes, cancellations, or upcoming expirations - Seamless integration with existing property management software - Comprehensive compliance reporting and analytics - Reduced operational costs and manual processing “Insurance verification has been a massive pain point in property management, making it virtually impossible to ensure policies are maintained in compliance, and leaving businesses exposed to coverage gaps,” said Sam Persons, Founder & Partner at Shift Property Management. “Sure Verify creates a systematic solution for our compliance processes, giving us confidence that we’re protected while freeing up our team to focus on serving our residents.” Sure Verify™ is available immediately for property managers, landlords, and proptech platforms in all U.S. markets.  ‍ ### ###### About Sure Sure is the global insurance technology leader that unlocks the potential of digital insurance. Global brands and market-leading insurance carriers from the Fortune 500 build and launch sophisticated embedded insurance products on Sure's SaaS infrastructure to distribute, service, and scale digital insurance. Sure's insurance expertise combined with its technology increases revenue streams and accelerates market growth while revolutionizing the customer experience. Visit sureapp.com and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [X](https://twitter.com/surehq). --- # The future of insurance is digital: Skate to where the puck is going > The future of insurance is digital — skate to where the puck is going. Sure unpacks new research on consumer preferences for insurance. Canonical URL: https://www.sureapp.com/newsroom/the-future-of-insurance-is-digital-skate-to-where-the-puck-is-going Type: Blog post Published: 2025-01-23T00:00:00.000Z Author: Wayne Slavin, CEO Sure recently unveiled new research, revealing a striking divide of digital insurance preferences between younger and older consumers. The results of Sure’s 2024 Consumer Sentiment Report: Preferences for Insurance in a Digital World are clear. The future of insurance is digital. ## See where the digital puck is going There’s an old saying in hockey: Don’t skate to where the puck is, skate to where the puck is going. As younger consumers come of age and more frequently purchase insurance, their preferences are to do so digitally. Companies that don’t adapt now to their digital preferences will be left behind as everyone else skates toward the digital puck. The first mover advantage is real, and it gives those prescient enough to pursue it the mind share, resources, and learnings first. This was true with the emergence of credit cards and cashless payments, as we’ve seen the first mover advantage at work in Visa and MasterCard. Those companies had the foresight to adapt to buyers’ changing preferences for a seamless purchasing experience, and in the process, they revolutionized their industry as they connected the rails between merchants and banks to enable commerce. Now, the insurance industry has the opportunity to make a similarly radical shift to redefine the industry. ## Younger consumers are coming of age and want digital experiences The data is clear about which way the future of insurance is heading. While older consumers have traditionally purchased insurance in a way that required human interaction, younger consumers are just beginning to research and purchase insurance for the first time – and their preferences are clear.  64% of Digital Natives believe that insurance should be primarily purchased and managed online in today’s digital world. This group will define the next few decades of insurance, and those who don’t get on this train will be left behind as the market shifts to meet digital preferences. ## A perfect storm of change preferences and external factors In addition to changing preferences, external circumstances are already forcing insurers to reconsider how they produce and distribute insurance products. The combination of climate change and eye-popping premium increases over the last few years has exacerbated the core problem in the insurance market: the sheer challenge and complexity of bringing new insurance products to market rapidly and updating them once in market. This, combined with the hurdles of launching insurance programs digitally, has kept the legacy players in the industry unable to adapt to the market quickly enough to serve consumers with the options they need – and the way they want to transact. ## The power of partnerships By establishing partnerships with insurance infrastructure companies, insurers can get ahead of this generational shift and external pressures to better serve consumers with the insurance products that they need, in the way that they prefer to purchase them. Their fate depends on it. As more Digital Natives come of age, they will represent the bulk of U.S. purchasing power over the next two decades — and 3 out of five of them are open to switching providers if their current provider doesn’t offer digital insurance experiences. This means that if insurers aren’t willing to adapt, digital natives aren't afraid to take their business elsewhere. What’s more, Digital Natives as well as Digital Immigrants won’t necessarily take their business directly to a carrier. As more and more brands have emerged as insurance providers, consumers have grown more eager to engage in insurance transactions with brands they already have a strong relationship with.  63% of all respondents believe there should be more options to purchase insurance directly online from the brand (e.g., purchasing homeowners insurance digitally from their bank or lender). What’s more, 65% would be more interested in purchasing insurance online from a brand that’s underwritten by a reputable insurance provider than they would be going to find insurance independently. This further reinforces the power of partnerships between brands, carriers, and insurance infrastructure providers in today’s digital insurance world. ## Everything works better digitally Today, everything is already online – but this hasn’t been the case for insurance. Consumers have become accustomed to buying almost everything online and autonomously, but insurers have not adapted to the desire for this convenience. But with independent players building the technology rails of digital insurance and brands emerging as trusted insurance providers, everything works better. Transactions happen more quickly, and consumers are able to secure the coverage they need, in the way that they prefer to purchase it — quickly and seamlessly. For their own survival, legacy insurers had better open their eyes to see where the puck is going and skate towards it. --- # New research from Sure reveals striking digital divide of insurance preferences between younger and older consumers > In 2025 Consumer Sentiment Report, Sure unveils new research showing a striking digital divide of insurance preferences between younger and older consumers. Canonical URL: https://www.sureapp.com/newsroom/press-release-new-research-from-sure-reveals-striking-digital-divide-of-insurance-preferences-between-younger-and-older-consumers Type: Press release Published: 2025-01-14T00:00:00.000Z ##### _64% of Digital Natives believe insurance should be overwhelmingly purchased and managed online in today’s digital world_ ‍ **LOS ANGELES, CA — January 14, 2025 —** Sure, the insurance technology leader that unlocks the potential of digital insurance, today released new research, revealing a clear preference for digital insurance experiences among younger consumers. According to Sure’s new [2025 Consumer Sentiment Report: Preferences for Insurance in a Digital World](https://www.sureapp.com/2025-report-landing-page), 64% of Digital Natives believe insurance should be overwhelmingly purchased and managed online in today’s digital world. As Digital Natives (born in 1975 or after) overtake Digital Immigrants (born in 1974 or before) as the majority of U.S. consumers over the coming decade, this report clearly shows that their preferences should push the insurance industry to evolve towards digital-first experiences.  “As it currently stands, only a small fraction of insurance transactions are truly online – they still involve a human at some step. To draw a comparison, this puts us at a similar point in time with the emergence of credit cards, when prior to that innovation, almost all transactions occurred via cash or checks,” said Wayne Slavin, co-founder and CEO of Sure. “Older consumers have been comfortable with the status quo, so the industry has remained stuck in the past as the rest of our purchasing experiences moved online. Now, younger consumers are coming of age and calling for change – and as our research shows they want digital. Just as credit cards led to a huge shift in payments, Sure is leading a huge shift in insurance by enabling digital insurance experiences on our technology rails.” ## The future is clear — and it’s digital While insurance has been agent-led for decades, Sure’s new research underscores just how much the future of insurance will depend on the industry evolving to digital-first experiences to satisfy changing consumer preferences. In fact, the future is already here, as at least half of all respondents indicated that they had already engaged in a digital insurance transaction, with 70% of Digital Natives leading the way. Despite speaking to an agent being the most widely used insurance purchasing experience, it is the least preferred across all respondents. Digital Natives were twice more likely to say that they prefer to purchase insurance digitally instead of spending time  speaking to an agent. Interestingly, satisfaction with digital isn’t limited to younger consumers, even though the experience of digital is more intuitive for them. Despite older consumers preferring to speak to an agent, as they’ve always done, Digital Immigrants who have engaged in digital insurance transactions have reported an equally positive experience as Digital Natives. Digital Natives don’t just prefer digital – it would be a key factor in their decision to switch providers, as three out of five said they would switch if their current provider didn’t offer digital insurance experiences. This presents a giant opportunity for those in the insurance industry who are willing to be the first movers as this market shifts.  ## Skate to where the puck is going There is a huge first mover advantage in a rapidly changing insurance landscape for consumer brands by embedded insurance alongside their existing products and services. According to [Deloitte](https://www2.deloitte.com/us/en/insights/industry/financial-services/financial-services-industry-predictions/2023/embedded-insurance.html), sales of embedded property and casualty insurance will reach $700 billion globally by 2030. Deloitte is particularly bullish on the growth of embedded auto and homeowners insurance programs that would bypass insurance agents and upend direct-co-consumers sales from carriers. Sure’s new research demonstrates this shift is already underway, with 65% of all respondents who have purchased insurance digitally doing so via the consumer brand they made the purchase with. Brands are best at owning the customer relationship, and they work hard to build the loyalty required to serve as trusted entry points to new and different products – including digital insurance. Just as consumer brands such as airlines, hotels, and retailers began offering co-branded credit cards to consumers, Sure’s research shows there is a golden opportunity for consumer brands to offer embedded insurance. In fact, two-thirds of all respondents believe there should be more options to purchase insurance directly from the brands they trust. Sure’s network of carriers who have put their insurance products on Sure’s technology rails are already doing so to enable insurance distribution for brands.  Sure’s research shows that carriers have the remarkable opportunity to make a radical shift that redefines the industry. The data is clear about which direction the future of insurance is headed. While older consumers have traditionally purchased insurance in a way that required human interaction, younger consumers are just beginning to research and purchase insurance for the first time, and their preferences are clear – digital is the future of insurance. It’s important for the insurance industry to skate to where the puck is going and embrace its digital future. Sure’s 2025 Consumer Sentiment Report: Benchmarking Preferences for Insurance in a Digital World is available [here](https://www.sureapp.com/2025-report-landing-page). ##### Methodology To better understand perceptions of the insurance industry as well as measure sentiment around purchasing insurance digitally, Sure partnered with Morning Consult to conduct a survey among U.S. adults. In total, Sure surveyed 2,127 individuals across age, race, geography, insurance type, and much more to find out how American consumers feel about their current insurance options and where the most opportunity lies to better serve them – digitally. Where appropriate, Sure dove deeper into the preferences separating Digital Natives (born 1974-2006) from Digital Immigrants (born 1946-1974). ‍ **###** ###### About Sure Sure is the global insurance technology leader that unlocks the potential of digital insurance. Global brands and market-leading insurance carriers from the Fortune 500 build and launch sophisticated embedded insurance products on Sure’s SaaS infrastructure to distribute, service, and scale digital insurance. Sure’s insurance expertise combined with its technology increases revenue streams and accelerates market growth while revolutionizing the customer experience. Visit [sureapp.com](http://sureapp.com) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [X](https://twitter.com/surehq). ‍ --- # Sure unveils vision for the future of insurance on its technology rails and network > Sure unveils its vision for the future of insurance on its technology rails and network just as Visa and Mastercard paved the way for cashless payments. Canonical URL: https://www.sureapp.com/newsroom/press-release-sure-unveils-vision-for-insurance-on-its-technology-rails Type: Press release Published: 2024-12-16T00:00:00.000Z ##### _Sure’s network unlocks the potential of digital insurance for carriers, brands, and consumers_ ‍ **LOS ANGELES, CA — December 16, 2024 —** Sure, the insurance technology leader that unlocks the potential of digital insurance, today unveiled its [vision](https://suredigin.biz/41xyCQu) for the future of insurance on Sure’s technology rails and network. Just as Visa and Mastercard paved the way for cashless payments, Sure is building the technology rails and network to enable digital insurance transactions between carriers, brands, and consumers.  The story of Sure was once squarely focused on building a software platform to enable digital insurance transactions. As Sure’s technology and infrastructure capacity has rapidly evolved, the company now sees its leadership role in the industry more broadly. The complexity of insurance and its migration to digital has created an opportunity for Sure to showcase its unmatched technology and vision for the future of insurance. In doing so, Sure has created a new category altogether to power the transition of the insurance industry to digital through an ecosystem approach that connects a three-sided network (carriers, brands, and consumers). “At Sure, we have a decades-long mindset and a very clear vision for the future of insurance. Through huge capital investment, we have built the technological infrastructure and the technology rails to unlock the first  network of insurance distribution,” said Wayne Slavin, CEO of Sure. “In what we’re building, we’re enabling companies that have globally recognized  brand loyalty to expand their value proposition by adding insurance to their products and customer experiences. We’re already running billion dollar insurance programs through our technology rails, and we’re excited about where the next decade will take us.” ## One network for insurance The insurance industry of today operates on disconnected islands, and Sure’s technology rails are paving the way for a revolution to connect the entire insurance industry on one network as well as bring consumer brands onto the network for digital insurance distribution. For large insurance carriers who have been bogged down by legacy systems and lingering modernization plans, Sure’s technology rails enable their offline-to-online transition and the migration of their insurance products fully online to meet growing digital insurance demand. For large consumer brands, Sure empowers them to strengthen their value proposition and customer loyalty by offering insurance alongside their existing products and services. Just as large global brands such as airlines, hotels, and retailers began offering co-branded credit cards to consumers, there is a golden opportunity for consumer brands to offer embedded insurance to their customers at their exact moment of need.  The market potential for Sure’s technology rails is enormous. The difficulty of bringing new insurance programs to market has been so high that, by some estimates, only 1% of insurance transactions are truly online today. By combining the underwriting power of insurance carriers with the platforms and customer loyalty of consumer brands, Sure’s technology rails allow for digital insurance programs to launch faster and more seamlessly than ever before – providing consumers convenient access to insurance products through brands they already know and trust.  If you are a carrier or a consumer brand that wants to unlock the potential of digital insurance on Sure’s technology rails and network, please [get in touch](https://suredigin.biz/4gdr1eg). ‍ **###** ###### About Sure Sure is the global insurance technology leader that unlocks the potential of digital insurance. Global brands and market-leading insurance carriers from the Fortune 500 build and launch sophisticated embedded insurance products on Sure’s SaaS infrastructure to distribute, service, and scale digital insurance. Sure’s insurance expertise combined with its technology increases revenue streams and accelerates market growth while revolutionizing the customer experience. Visit [sureapp.com](http://sureapp.com) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [X](https://twitter.com/surehq). --- # Highly capable and fast: How Sure’s proprietary Rate Order Calculator handles immense variable complexity at unprecedented speed > Learn more about how Sure has built an extremely powerful and configurable ROC Builder — which just so happens to be extremely fast. Canonical URL: https://www.sureapp.com/newsroom/sure-proprietary-rate-order-calculator Type: Blog post Published: 2024-12-04T00:00:00.000Z Author: Chris Cummings, Staff Software Engineer Sure is building the technology rails to power modern digital insurance programs for every kind of insurance product. In order to do that at scale, our [platform](https://www.sureapp.com/solutions/platform/overview) must be flexible, configurable, and a delight to use. A big part of that is being snappy – which means enabling high performance in our backend systems.  As the saying goes in software engineering, you can prioritize configurability and flexibility, ease of maintenance, or performance, but you can typically only choose two. The evidence of this harsh reality is all around us, as most software powering our world is either slow, rigid, or expensive and time-consuming to maintain. Even though we can’t break the fundamental tradeoffs at the crux of this issue, we’ve built an extremely powerful and configurable Rate Order Calculator (ROC) – which just so happens to be very fast. ## The engine and rules to calculate prices A ROC, in insurance industry jargon, is the engine and rules that calculate the prices that consumers pay for insurance policies. Since our technology rails support all types of complex insurance products, everything must be extremely configurable. This is a challenge we’re happy to accept – and there is no hard coding in the engine at all. Our ROC Builder system takes in configuration data and compiles it into a pricing model, which is then used to serve prices to consumers.  Here’s how it works: ![How ROC builder works](https://kgerf2ausmlyevfj.public.blob.vercel-storage.com/673cc366846f5b0d0647924d_673cc2dd322bc88df53dfb44_blog-image-ROC-teaser-2.png) When configuring a pricing model, we ingest files that are used to determine base rates and factors given various criteria (e.g., in New York, a base premium is $100, but in Ohio, it’s $75). The various files are all related together via calculations, which are mathematical expressions such as: (Base Premium) + (Factor A) + (Factor B). This is all assisted with our proprietary AI workflow to speed up the process of configuration. Like any mathematical expression, calculations often depend on other calculations – so the complexity spikes up quickly. It’s common that there will be millions of possible permutations in simple-to-moderately complex ROCs. In some products, there will be hundreds of millions of possible permutations. ## Comparable performance of simple and complex models Complexity and performance are highly correlated in software. Our goal is to decouple the relationship between performance and complexity so that simple models and complex models have comparable performance. This is no easy task. The naive way of implementing any pricing system is to upload lookup data into a database, and write code that can perform these lookups at price calculation time. The lookups are the slowest part of calculating a price. In order to decouple performance from complexity, our team compiles and trains the configuration data into a pricing model. At a very high level, compiling and training the ROC data into a pricing model is just doing a lot of the work ahead of time – you can think of it like pre-calculating as much as we can. This is sort of like how ChatGPT, Claude, and other Large Language Models (LLMs) are able to provide responses near instantaneously. For your average multi-million dollar to build and configure rate order calculation in legacy systems a processing time of 200 milliseconds would be a monumental benchmark. While 200 milliseconds is considered to be fast enough for typical web requests, the team at Sure is serious about industry leading performance benchmarks  – and we knew we could do better than any other rating system in the market today. To solve for this, we rewrote the compilation and pricing algorithms from scratch, resulting in a ton of performance improvements. This optimization was massive, but it was worth the effort. Now, we’re calculating prices for even very complex ROCs in sub-100 milliseconds. We’re really proud of this result and are excited to continue pushing our [platform](https://www.sureapp.com/solutions/platform/overview) forward at the frontier of insurance technology! --- # Onboarding with Sure: Our proven Digital Insurance Launch Plan > We are very intentional in who we partner with as well as how we partner. These are our key principles for a successful launch when onboarding with Sure. Canonical URL: https://www.sureapp.com/newsroom/onboarding-with-sure-our-proven-digital-insurance-launch-plan Type: Blog post Published: 2024-09-25T00:00:00.000Z Author: Marvin Sayson, VP of Product At Sure, we are very intentional in _who_ we partner with as well as _how_ we partner. Each partnership to launch a new digital insurance program is unique, and we approach it as such.  We’ve learned a lot throughout this journey. Over the years, we’ve developed a proprietary and  standardized  process in a way that allows us to personalize digital insurance programs for the specific needs of our partners, while still delivering results faster than any other digital insurance solution in the market.  Our Digital Insurance Launch Plan is distilled down into a proven outline of five key stages. Each of these stages is guided by a clear vision of what we’re looking to achieve and includes tried-and-true ways to accomplish those goals. This way, every one of our partners is equipped to navigate the complexities of launching a digital insurance program while setting a foundation for long-term success. To make this possible, we keep a few key principles in mind:**‍** - **Open communication is key**. Communication is crucial for ensuring alignment and understanding of the launch strategy among all stakeholders and for receiving valuable input and feedback. - **Be decisive**. Many small and large decisions will be made on the path toward program launch. Deciding efficiently can be the difference between a 10-week and a 10-month launch. - **Focus on a minimum viable product (MVP)**. A focused approach helps you to prioritize creating the most direct value for your business. Getting your MVP out there in front of customers allows you to observe the market’s reaction, gather feedback, and iterate. Any descoped features can always be addressed later in future roadmap prioritization discussions. With these principles in mind, open-sourcing our Digital Insurance Launch Plan allows our team to focus on delivering world-class results rapidly and with solid execution. When paired with our proprietary, in-house project management platforms for onboarding powered by Stela AI, we achieve unmatched success together with our partners.  Now, the real work begins. This process, which typically takes 8-10 weeks to complete, turns what used to be a complicated, fragmented product development strategy into an accessible plan that allows partners across industries to unlock new revenue streams and better serve their customers. In a time when budgets are getting smaller as projects pile up, this efficiency allows our partners to truly unlock the potential of digital insurance for themselves and for their customers.    #### Stage 1: Setup for success No great product can launch without a solid plan and set objectives for success. In this stage, our partners engage in deep strategic planning to ensure alignment. #### Stage 2: Define the product This step will create focus around what is most important to the product launch. Focusing on what's important and swift decision-making is crucial to maintaining momentum during the launch process.  #### Stage 3: Prepare for launch This step will ensure that you nail the official launch. Here,  teams will finalize marketing, operational, and sales training readiness.  #### Stage 4: Ready for takeoff After lots of preparation, it’s time to execute the launch. #### Stage 5: Take time to celebrate! After following these steps, it’s official – you’re a digital insurance provider! Following the launch of your digital insurance program, your team will evaluate success and continually optimize the program.  Of course, these five stages don’t define the whole journey. Launching a digital insurance program is an iterative process, and there is so much more to come on our journey to bring insurance into the digital age. With this formula and our technology platforms, we’ve made it faster and easier than ever for our partners to launch new digital insurance programs, radically transforming insurance distribution. And we’re just getting started! Experience the power of Sure’s insurance technology rails and get in touch. --- # Sure featured on the 2024 Inc. 5000 as one of America’s fastest-growing private companies > Sure featured on the 2024 Inc. 5000 as one of America’s fastest-growing private companies for second consecutive year. Canonical URL: https://www.sureapp.com/newsroom/press-release-sure-featured-on-the-2024-inc-5000-as-one-of-americas-fastest-growing-private-companies Type: Press release Published: 2024-08-13T00:00:00.000Z ##### _Second consecutive year of recognition follows launch of Anywhere Insurance and exciting new partnerships ‍_ **LOS ANGELES, CA — August 13, 2024 —** Sure, the insurance technology leader that unlocks the potential of digital insurance, today announced it has been recognized on the [2024 Inc. 5000](https://www.inc.com/inc5000), an annual list of the fastest-growing private companies in America. This is the second consecutive year Sure has made the prestigious list that provides a data-driven look at the most successful companies within the American economy’s most dynamic segment — its independent, entrepreneurial businesses.  “We’re taking an ecosystem approach to connect two sides of a market that’s been bogged down by legacy players, and the acute problem we are solving for is what has enabled us to thrive,” said Wayne Slavin, co-founder and CEO of Sure. “We’re honored to be included in the Inc. 5000 for the second consecutive year, and there’s so much to be excited about on the road ahead for us as we build the rails of digital insurance.” The Inc. 5000 class of 2024 represents companies that have driven rapid revenue growth while navigating inflationary pressure, the rising costs of capital, and seemingly intractable hiring challenges. Among this year’s top 500 companies, the average median three-year revenue growth rate is 1,637 percent. In all, this year’s Inc. 5000 companies have added 874,458 jobs to the economy over the past three years. In addition to its impressive revenue growth over the last three years, Sure recently released several innovative products to solve the complex problem of offering insurance digitally. Earlier this year, Sure launched Anywhere Insurance to liberate the insurance industry from the control of incumbent rate service organizations (RSOs) and legacy insurance product filings. Anywhere provides first-of-its-kind insurance programs designed for carriers, MGAs, and global brands that want unique, customizable, go-to-market ready insurance products paired with end-to-end SaaS technology and APIs that can scale to hundreds of millions of customers. Sure has also racked up numerous awards and accolades, including most recently landing on the Forbes Fintech 50 list in February. “One of the greatest joys of my job is going through the Inc. 5000 list,” says Mike Hofman, who recently joined Inc. as editor-in-chief. “To see all of the intriguing and surprising ways that companies are transforming sectors, from health care and AI to apparel and pet food, is fascinating for me as a journalist and storyteller. Congratulations to this year’s honorees, as well, for growing their businesses fast despite the economic disruption we all faced over the past three years, from supply chain woes to inflation to changes in the workforce.” ##### Methodology  Companies on the 2024 Inc. 5000 are ranked according to percentage revenue growth from 2020 to 2023. To qualify, companies must have been founded and generating revenue by March 31, 2020. They must be U.S.-based, privately held, for-profit, and independent—not subsidiaries or divisions of other companies—as of December 31, 2023. (Since then, some on the list may have gone public or been acquired.) The minimum revenue required for 2020 is $100,000; the minimum for 2023 is $2 million. As always, Inc. reserves the right to decline applicants for subjective reasons. Growth rates used to determine company rankings were calculated to four decimal places. ‍ **###** ###### About Sure Sure is the global insurance technology leader that unlocks the potential of digital insurance. Global brands and market-leading insurance carriers from the Fortune 500 build and launch sophisticated embedded insurance products on Sure’s SaaS infrastructure to distribute, service, and scale digital insurance. Sure’s insurance expertise combined with its technology increases revenue streams and accelerates market growth while revolutionizing the customer experience. Visit [sureapp.com](http://sureapp.com) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [Twitter](https://twitter.com/surehq). ###### About Inc. Inc. Business Media is the leading multimedia brand for entrepreneurs. Through its journalism, Inc. aims to inform, educate, and elevate the profile of our community: the risk-takers, the innovators, and the ultra-driven go-getters who are creating our future. Inc.’s award-winning work achieves a monthly brand footprint of more than 40 million across a variety of channels, including events, print, digital, video, podcasts, newsletters, and social media. Its proprietary Inc. 5000 list, produced every year since its launch as the Inc. 100 in 1982, analyzes company data to rank the fastest-growing privately held businesses in the United States. The recognition that comes with inclusion on this and other prestigious Inc. lists, such as Female Founders and Power Partners, gives the founders of top businesses the opportunity to engage with an exclusive community of their peers, and credibility that helps them drive sales and recruit talent. For more information, visit www.inc.com. --- # CNBC honors Sure on its list of the World’s Top Insurtech Companies > Sure honored by CNBC on its list of the World’s Top Insurtech Companies for its market-leading technology. Canonical URL: https://www.sureapp.com/newsroom/press-release-cnbc-honors-sure-on-its-list-of-the-worlds-top-insurtech-companies Type: Press release Published: 2024-08-08T00:00:00.000Z ##### _Inaugural list recognizes the world’s leading insurtech companies at the forefront of digital insurance innovation__‍_**_‍_**_‍_ ‍ ‍**LOS ANGELES, CA — August 8, 2024 —** Sure, the insurance technology leader that unlocks the potential of digital insurance, today announced it has been featured on CNBC’s list of the [World’s Top Insurtech Companies](https://www.cnbc.com/the-worlds-top-150-insurtech-companies-2024/). The recognition honors insurtech companies that are revolutionizing the insurance industry through digital platforms and enhancing the customer experience with faster, more seamless insurance experiences.  After introducing its World’s Top Fintech Companies list last year, CNBC launched a separate list of the World’s Top Insurtech Companies to showcase the enormous innovation at work across the insurance ecosystem. [According to Statista](https://www.statista.com/statistics/1192960/forecast-global-insurance-market/), the value of gross written insurance premiums worldwide is projected to reach $9.91 trillion by 2028, representing a huge market for transformation as a decades-old industry shifts to meet the needs of digital-first consumers.  “It’s a true honor to be recognized by CNBC as one of the world’s top insurtech companies, and it is a testament to our leading position as the only complete technology solution to unlock the potential of digital insurance,” said Wayne Slavin, co-founder and CEO of Sure. “We are standing at the gate of a transformational shift for the insurance industry. A fully online network for insurance is the future of insurance sales and operations, and just as Visa and Mastercard paved the way for cashless payments via their networks, we are paving the way for insurance to be run digitally on Sure’s insurance rails.” CNBC partnered with Statista, a market research firm, to compile this list from over 1,000 eligible companies from around the world. The report identifies insurtech companies spanning six different categories, including: claim and fraud management; digital brokerage and comparison platforms; digital insurers; marketing, sales, and distribution; policy administration and admintech; and underwriting and risk analysis. Sure was honored among industry leaders in the marketing, sales, and distribution category, which highlights insurtechs that provide innovative tools and infrastructure services to improve the way insurance products are distributed. This distinction follows a wave of exciting new releases from the Sure, including [Anywhere Insurance](https://www.sureapp.com/press/press-release-sure-launches-anywhere-insurance-to-liberate-insurance-industry-from-grip-of-incumbent-rate-service-organizations-and-legacy-vendors), a first-of-its-kind insurance program to launch digital insurance programs faster and at unprecedented scale. Early in 2024, Sure also unveiled [Quote Assist™](https://www.sureapp.com/press/press-release-sure-introduces-quote-assist-tm-to-empower-insurance-agents-with-digital-tools-and-generative-ai-to-personalize-quotes-for-customers) to empower insurance agents with the tools to bridge the gap between digital and physical insurance purchasing experiences. Further building on Sure’s momentum, the company has entered into many new enterprise partnerships with global carriers and brands and been honored with several high-profile recognitions, including the [Forbes Fintech 50 list](https://www.sureapp.com/press/press-release-forbes-honors-sure-on-its-fintech-50-list-for-the-second-year-in-a-row) for the second consecutive year. ‍ **###** ###### About Sure Sure is the global insurance technology leader that unlocks the potential of digital insurance. Global brands and market-leading insurance carriers from the Fortune 500 build and launch sophisticated embedded insurance products on Sure’s SaaS infrastructure to distribute, service, and scale digital insurance. Sure’s insurance expertise combined with its technology increases revenue streams and accelerates market growth while revolutionizing the customer experience. Visit [sureapp.com](http://sureapp.com) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [Twitter](https://twitter.com/surehq). --- # Digging into the Digital Insurance Landscape > Digging into the digital insurance landscape and getting to the bottom of rate service organizations. Canonical URL: https://www.sureapp.com/newsroom/2024-state-of-digital-insurance-report Type: Research report Published: 2024-06-01T12:00:00.000Z *…And getting to the bottom of rate service organizations (RSOs)* --- ## About the Survey In a digital world, consumers are looking for new, more flexible ways to buy and manage insurance. According to a recent poll, 65% of consumers aged 30-49 purchase insurance online, while 54% of consumers aged 18-29 are doing the same. These aren't just consumers looking to buy traditional insurance options, either. From buying a home, to buying a car, to the safekeeping of family members, insurance is being distributed and purchased in ways that previously didn't exist. For consumers, buying options have reached new expanses with digital autonomy in just a matter of clicks. For carriers and consumer brands, however, the process of creating and managing a stable, efficient digital insurance program is a long and sometimes painful road. This is especially true for brands whose area of expertise is outside of insurance. We know this because we've spent over a decade building and managing digital and embedded insurance programs for some of the world's most trusted brands. Unsurprisingly, these organizations aren't in the business of insurance, so helping them meet their customers in their time of need requires niche expertise. As more consumers are eager to spend in the digital world, we've found that many companies are still finding it difficult to get digital insurance programs off the ground. In a world where the embedded insurance industry is expected to exceed $70 billion by 2030, why are brands and carriers having a challenging time navigating digital insurance and reaching more customers? This question, and many others, is how we came to the idea of the “State of Digital Insurance Report.” In order to better serve our partners, we want to fully understand where carriers and brands are in their digital insurance journey. Our goal was to unpack one of the most critical elements of any digital insurance program and understand how satisfied insurance industry insiders are with rate service organizations (RSOs), a core part of the insurance ecosystem. We asked about pain points and priorities, cost and compatibility, and engagement and effort. We strategically worked with a market research firm that specializes in digital insurance and is used by over a billion professionals. In doing so, over 200 insurance industry decision-makers partook in this survey. The best part? The survey is anonymous and vendor agnostic, which means that respondents could be as honest as they wanted, and they were. Let's dig into the results. --- ## Top Takeaways ### 📚 Respondents Know Rate Service Organizations (RSOs) **100%** of respondents consider themselves to be very knowledgeable or moderately knowledgeable about RSOs. ### 💰 Digital Insurance Can Cost You **75%** of respondents say their company spends at least $1 million annually to build, launch, and maintain insurance programs. ### 🔧 Not So RSO Easy **71%** of respondents say the RSO they use or are researching requires a massive amount of effort to get their insurance program off the ground, maintain, and launch digitally. ### 📉 Satisfaction Not Guaranteed **50%** of respondents are not satisfied with their RSO or ones they are evaluating. --- ## Part 1: Diving into Demographics Digital insurance, specifically the role of rate service organizations (RSOs), is a very niche topic, even for the most expert-level insurance gurus. To get an accurate picture of the digital insurance industry, respondents were selected based on their understanding of RSOs. Further, participants were qualified based on their decision making capabilities and level of expertise. This was done in order to curate results that correctly represent those working with RSOs to launch insurance programs. **Which of the following best describes the department in which you work?** IT/Software Engineering: 30%; Finance: 18%; Strategy/Research & Development: 13%; Product Development/Management: 12%; Business Administration: 10%; Claims: 10%; Other: 6% **What is your seniority?** SVP or VP: 41%; Director: 24%; Manager: 19%; C-Level: 15% • 91% of respondents have launched or researched launching an embedded insurance or digital insurance program. • 98% of respondents describe themselves as very knowledgeable or moderately knowledgeable of digital insurance. • 74% describe their average annual revenue as $100M or more. • 51% describe their company as B2C service model. ### Takeaways 100% of survey respondents are based in the United States and are full-time employees at the manager level or above. 98% consider themselves very knowledgeable or moderately knowledgeable on the subject of digital insurance. When asked to describe company industry, a majority say they work in insurance, while financial services and banking, along with IT services and consulting are also represented. A majority (76%) represent either B2C direct sales or B2B service models with an average annual revenue of $100 million or more. 91% of these respondents say they have launched or are planning to launch an embedded insurance program. --- ## Part 2: Unearthing Rate Service Organization Experts 100% of survey respondents consider themselves moderately knowledgeable or very knowledgeable in their understanding of rate service organizations (RSOs). RSOs are organizations that help those interested in launching insurance programs in rate, rule, and form filings, as well as other services, such as loss analytics. We asked these experts about their experience, spend, and which RSO they’re currently using or researching. There are currently a handful of companies that provide data and filings in the insurance industry today, so businesses are forced to partner accordingly. 37% are using or evaluating Insurance Services Office (ISO), the majority leader in the small RSO community. As one respondent put it, “there are not many other options.” **98% of respondents are using, evaluating, or planning to use RSOs, which include these organizations:** • Insurance Services Office (ISO): 37% • American Association of Insurance Services (AAIS): 19% • Management Service Organizations (MSO): 16% • Association for Cooperative Operations Research and Development (ACORD): 12% • National Council on Compensation Insurance (NCCI): 10% • Automobile Insurance Plan Service Office (AIPSO): 4% • Their own: 2% ### Takeaways Rate service organizations (RSOs) are one of the most important steps in building and maintaining an insurance program. From insurance carriers and MGAs, to automobile manufacturers, fintechs, and proptechs, working with an RSO requires multiple steps to get an insurance program to the finish line and become digital. This can include building filings, sourcing data, and choosing a software system, along with various manual administrative tasks. At no small cost to businesses either. 75% say that their company’s average spend to build, launch, and maintain insurance programs is at least $1 million annually. Of those, 31% spend $10 million or more annually. Drilling down into ISO specifically, 24% report spending at least $1 million annually and 31% report spending $10 million or more. --- ## Part 3: Tapping into Effort: Working with Rate Service Organizations There are so many variables in building digital insurance programs that capabilities for modern systems can get overlooked in planning. Growing a digital insurance program from the ground up often takes dozens of different vendors in order to go from an insurance product idea to digitally selling insurance to consumers. We asked respondents about their rate service organization (RSO) capabilities and their level of effort to get integrated. • 71% of respondents say the RSO they use or are researching requires a massive amount of effort to get their insurance program off the ground, maintain, and launch digitally. **Of the 71% of respondents who say the RSO they use or are researching requires a massive amount of effort, they share how unsatisfied they are with the following capabilities:** • 42% of users are not satisfied with integration capabilities • 53% of users are not satisfied with cost • 45% of users are not satisfied with program flexibility • 47% of users are not satisfied with bundle requirements ### Takeaways A whopping 71% of respondents say that their RSOs take a “massive amount of effort” to get insurance programs off the ground as well as maintain and launch them digitally. And, 65% of ISO users also consider it a massive undertaking to get up and running, as well as maintain and launch insurance programs digitally. While rate service organizations (RSOs) offer standard capabilities and integrations, the level of effort needed has led to an overarching lack of innovation, and as a result, massive pain points for users. Further, because legacy RSOs have not kept pace with the times, the investment of time, cost, and effort to not just build a new insurance program, but launch it digitally, is prohibitive. “None of [the RSOs] have a good balance of cost and being quick and modern with any rate making or form writing. Also, none have mentioned any AI integration,” says one user. Over one quarter of respondents say their RSO is not capable of delivering speed-to-market product changes and ongoing product maintenance and compliance. According to one respondent, “[RSOs] need to modernize their technology to allow for quicker adoption and faster time to market.” When spending millions of dollars annually on services to launch an insurance program, users putting forth a massive manual effort seems both unnecessary and outlandish. So, why is it that people are spending so much money and still having to do so much of the lift? For one, just getting the plans for your program is only the first step in a long and arduous journey. Those plans then need to go to a software vendor who then has to hire consultants to integrate the logic line-by-line. This process then has to be applied across 50 states. What's more, every few years, RSOs trot out a new, more costly solution that doesn't actually solve the problems they themselves created for the industry. They offer rating-as-a-service, or a new file format, something "new" that is, in fact, just the same old solution they've offered for decades dressed up in a new outfit. It's odd that in 2024, when this process has been done so many times, nobody has bothered to improve or automate it. But that's the risk you take because after purchase, it's up to you to successfully launch. That's your business risk. That's your dollars at risk. That's your time being wasted. --- ## Part 4: Sifting Through Rate Service Organization Satisfaction When you're spending millions of dollars annually on rate service organizations (RSOs), one would assume satisfaction is guaranteed. Not necessarily so. We asked respondents what features they prioritize, how satisfied they are with those features, and ultimately, their overall satisfaction with their RSO. With 71% of survey respondents reporting that the RSO they use or are evaluating require a massive amount of effort, it's not all that surprising that satisfaction levels are shockingly low. Then again, if you are spending millions of dollars a year, one would expect satisfaction levels to be higher. • Only 12% of survey respondents are very satisfied with their RSO they use or the ones they are evaluating. • 50% of respondents are not satisfied with the RSO they use or ones they are evaluating. **What are you least satisfied with in your RSO or ones you are evaluating?** Effort: 46%; Flexbility: 31%; Cost: 23% **What is the #1 priority for your organization when using or evaluating an RSO?** Effort: 49%; Flexbility: 28%; Cost: 23% ### Takeaways Respondents were asked their level of satisfaction for cost, integration capabilities, speed to market, program flexibility, modern capabilities, maintenance, bundle requirements, and customizations for insurance products. Only 12% of RSO users say they're very satisfied, while 50% say they're not satisfied. More specifically, 46% of ISO users are not satisfied with their experience. Half of those using RSOs are underwhelmed by existing options on the market. Let's break down why that is. **Enormous Effort** When using an RSO to build a new insurance program and launch it digitally, nearly half of all respondents cite level of effort as their top priority. And yet, 50% say that is what they are least satisfied with amongst the incumbents that dominate the insurance landscape. Specifically, the labor required for integrations, maintenance, modifications, and speed to market require a considerable amount of effort, especially considering the hefty price tag involved. For instance, integration capabilities is what users have the most dissatisfaction with. 24% of all respondents and 29% of ISO users say integration is their top priority. Yet, 38% are not satisfied with existing capabilities on the market. And, 20% of respondents are least satisfied with integration capabilities above all else. The number one thing ISO users are least satisfied with? You guessed it, 30% say integration. As one respondent says, “RSOs have an opportunity to provide better, real-time data integration, and customization to suit specific needs. Many RSOs only have options within their canned policies or products, not allowing for customization. This results in aspects important to the customer, like not being covered or paying for coverage that is not necessary.” **What users are saying:** > "Data integration continues to be a challenge." > "I don't love it because the LOE [level of effort] to get it up and running and integrated with our systems is high." > "Not flexible and not easily integrated." **Not So Flexible** Following effort, in order of prioritization, is program flexibility. A mere 15% of respondents consider themselves very satisfied with the flexibility offered with their existing RSO or any of the incumbents that they've researched. Moreover, 31% say flexibility is what they are least satisfied with above all else, including the ability to customize and bundle. While it may be concerning that there is not more satisfaction associated with these features, it's not surprising. As one user shares, “It offered basic service and provided the needed knowledge for our new product launch, but it lacks the customization and integrability we like to see.” With only a small number of companies controlling data for insurance programs, that can limit flexibility and customization. If there isn't competition in the market, companies in control can create a pace that directly impacts how well organizations build and digitally launch new insurance programs, like speed to market and bundle requirements. **What users are saying:** > "[We] feel we are missing out on more advanced capabilities." > "The lack of customization and responsiveness to our needs is frustrating." > "Speed to market has been slower than expected and current trends have been a challenge to get support." **Cost Concerns** The cost of building digital insurance programs is not just a drop in the bucket. 75% of users are spending at least $1 million or more annually. What is concerning is that just about half (48%) of these users consider themselves not satisfied with the price tag associated with their RSO or ones they are evaluating. Only 10% of RSO users are very satisfied with the cost of working with their RSO. While cost is of the highest priority, nearly a quarter of respondents are least satisfied with cost above all else. One user put it squarely, “As a standard lines provider, we have very ‘cookie-cutter’ language and the ISO forms and information provides a good standard place for this. However, it comes at a very high cost with not a lot of reward, as we do not significantly change/alter our products over time.” **What users are saying:** > "Cost to integrate is huge." > "Overall TCO [total cost of ownership] is not quite what we envisioned. The process continues to be clunky, administratively burdensome and inefficient." > "While expensive, it could be an overall benefit to the organization." --- ## Massive Room for Improvement With only 12% of respondents very satisfied, there is plenty of room for improvement. The status quo is such that it's time consuming, an insane amount of effort, and extremely costly to bring new insurance products to market and launch them digitally. The traditional model is time consuming and integration is, well, only somewhat satisfying to say the least. Despite these challenges, the industry has suffered through it as the cost of doing business because of unfettered control by legacy incumbents and, ultimately, a lack of options. According to one survey taker, “We have not yet identified an RSO that provides the cost, value, and flexibility we are seeking.” RSO users need practical features that they can execute well, along with modern capabilities to keep pace with the rest of the digital world. To launch something like a car insurance program for an automaker, or a business insurance program for a software company, can take upwards of 30 different vendors to make that work. Which is why, naturally, over 70% of users feel that their RSOs require a massive amount of effort. As one user shared, “It's a product that needs a lot of hand holding.” There are a limited number of RSOs to work with, but there is one singular cornerstone in the market that controls the plumbing and pricing of the insurance industry. This dominant player has built the architectural plans for insurance products that organizations can license, but they still need software and contractors to set it up as a fully digital insurance program. All of these strategic, and somewhat confusing, business structures complicate an already challenging workflow. Reaching customers in their moment of need is the ultimate goal of building digital insurance programs. However, with the status quo, getting there can take years and the number of variables along the way is enough to make any organization dissatisfied with their investment of time and money. This is especially true when there is one incumbent driving the market. As one respondent put it succinctly, “We have determined there is nothing much better out there.” When 50% of an industry says they are unsatisfied with the status quo, you know the moment of change has arrived. To dig out of the fastened RSO hole, there needs to be a new path towards digital insurance programs. What the insurance industry needs is modern pre-configured insurance products that are already integrated with the distribution technology to launch digital insurance programs. The problem is nobody has bothered to build this new solution. Until now. --- ## About the Research Partnership Sure partnered with NewtonX, the leading B2B market research company, to survey over 200 insurance professionals in the United States, all decision-makers with knowledge of digital insurance products. More than 80% of participants held director-level positions or above, with titles such as CEO, Chief Auditor, Head of Claims, Risk Analyst, and Pricing Actuary. The report delivers an accurate picture of digital insurance trends and purchasing behaviors with insights directly from verified insurance leaders. NewtonX utilized its fintech research expertise and proprietary AI-driven algorithm, the NewtonX Graph, to custom recruit these insurance experts from its open network of over 1.1 billion professionals. --- # How Quote Assist™ adds human touch to digital insurance experiences > A fully digital insurance experience can be a scary adjustment for some users. Quote Assist™ simplifies complex digital insurance with human support. Canonical URL: https://www.sureapp.com/newsroom/how-quote-assist-tm-adds-human-touch-to-digital-insurance-experiences Type: Blog post Published: 2024-05-22T00:00:00.000Z Author: By Marvin Sayson, VP of Product Before the world went digital, people interacted directly to conduct business. Either face to face or over the phone, human interaction was necessary. For some, the move towards digital consumer experiences has been welcome. For others, the leap into digital is still a work in progress.  The autonomy of fully digital consumer experiences can be an adjustment, especially in instances that are once or twice in a lifetime decision-making purchases, like when purchasing a home and securing the necessary insurance. “Sometimes people don’t feel comfortable. Human beings, fundamentally, if they do something frequently, they feel more comfortable. If they don’t do it frequently, just once a year or once every 10 years, it is going to be a hard decision to make,” says Woody Mo, CEO and President eBao Tech, who spoke on a [panel at ITC Vegas](https://vegas.insuretechconnect.com/).  Purchasing homeowners insurance requires a level of nuanced support that has, up until the last decade or so, been provided through human interaction. While some would argue that the ease of use and full control of the digital experience is superior, others might be left wanting a little support along the way. “Customers need advice because they’re not all insurance experts. You might have the best fully automated process end-to-end, but customers still want to talk to a licensed advisor to understand if they’re buying everything that they need and if they’re buying the protection they actually want,” adds Mo. ## How generative AI fits with digital insurance Generative AI is changing the insurance industry and helping it seize its digital future through data. “Data is the new gold,” says Robert Tonoco Pinto, President of Digital Client Services, AON. “So how can you eliminate friction in the buying process to make it easier for customers to get protected?”  Currently, there is a huge knowledge gap for something that is very technical to an average consumer that AI could solve for in insurance. Time and again, we have heard from our partners that while the move to a digital insurance experience works for most of their customers, it’s not a 100% perfect fit for them all. Consumers sometimes need a little helping hand in their digital insurance journey. Specifically, when the product being purchased is complicated. “For certain products there will still be complexity and a need for a person and empathy to intervene … if you have a large and complex home, you may want a risk consultant to tell you if you’re buying the right coverage for your very specific bespoke risk,” says Camila Serna, EVP Head of Digital Acceleration, Chubb. ## Filling the gap with Quote Assist™ In a world where these two extremes of digital autonomy and in-person services are simultaneously possible, shouldn’t there be a happy medium? This is how the evolution from offline to online came to be – and how Sure’s Quote Assist™ was born. In order to accommodate this gap in the middle, Quote Assist™ simplifies the sometimes complex world of digital insurance with human support. To date, the problem with [digital insurance distribution](https://www.sureapp.com/solutions/platform/distribution) has been that human agents lacked the ability to initiate and customize a quote on behalf of a customer, which would remove the friction points and add an assistive touch for customers looking to purchase a policy. As the buying process gets more complex, assisting consumers becomes more necessary.  Quote Assist™ bridges the gap between the offline and online worlds, enabling consumers to make the most informed and supported decisions to protect what matters most. With Quote Assist™, partners are empowered with the visibility they need to better serve their customers in their moment of need. Agents can quickly and easily facilitate quotes that are sent directly to consumers, allowing them the opportunity to interact with agents, while still managing their own digital transaction at any time.  Insurance is a complicated business, having nothing to do with the end-to-end user experience. The role of an agent or advisor will likely never go away as insurance needs increase in complexity. The rise of generative AI and data models are a benefit to brokers and agents in their pursuit to meet customer needs. With Quote Assist™, we’ve not only taken advantage of advancements in generative AI, we have created the ability to offer our partners the best of both the offline and online worlds. With omni-customer experiences – full autonomy or a hybrid – [our partners](https://www.sureapp.com/turbotenant-case-study) have the advantage of meeting _all_ their customers at their moment of need. --- # Anywhere Insurance: How it solves the insurance industry dilemmas > Learn how Anywhere Insurance is changing the way the insurance industry accelerates solutions for consumers and insurance carriers. Canonical URL: https://www.sureapp.com/newsroom/anywhere-insurance-how-it-solves-the-insurance-industry-dilemmas Type: Blog post Published: 2024-03-28T00:00:00.000Z Author: Wayne Slavin, Co-Founder & CEO The insurance market continues to be a mess – plain and simple. More and more carriers are dropping customers or pulling out of states entirely for new business. This not only results in increased premiums for consumers, it also creates a major supply problem of choice for consumers. It’s crazy that in this day and age, consumers are finding they can’t get auto or homeowners insurance – especially considering that these types of insurance are required to drive a car or secure a mortgage to own a home.  So just why is this happening? Climate change and the impact of more frequent and increasingly severe natural disasters have received much attention as the root cause. There are certain states such as Florida that bear the brunt and make the loss ratios daunting for insurers. So many are forced to make a business decision and remove themselves from the loss-making markets. That’s what is most widely talked about. What is not discussed, and what I believe to be the fundamental problem of the insurance supply problem, is just the sheer challenge and complexity of updating and bringing new insurance products to market or rapidly updating them once in market – and then to make things even more complex, launching them digitally so that consumers have the experience they need and want  for buying insurance and claims. Not to take away from the impact of climate change, however I believe all the mess in the insurance market is just the symptom of not being able to react fast enough to volatility in a changing market. The status quo of the insurance industry no longer works as it has for the past 20 years because it’s too complex and is more volatile than ever. There is one primary pain point that fundamentally needs to change to make things less complex: The plumbing and pricing of the insurance industry. ## Getting to the bottom of rate service organizations Despite the complexities – and inadequacies – of the infrastructure that stands up parts of the  insurance industry, there are carriers and consumer brands that still want to meet the insurance needs of consumers. The problem is that it’s time consuming and requires a huge investment to get started. It currently takes about three years to get most programs up and running, and if every organization that wants to launch a new insurance program had to stand in line to get their product filings and rates approved on an individual basis, it would take even longer. And, again, that’s to say nothing of pairing it with modern technology that allows for truly digital sales and distribution. That’s where rate service organizations (RSOs) come into play. At the base of building many  insurance programs are RSOs, which provide the architectural plans of an insurance program and are a helpful step to bring programs to market. There are a handful of legacy providers and they are all incredibly slow, costly, and difficult to pull into a digitally native world of insurance.  RSOs have been a consistent part of the ecosystem because they have policies and rates that are already approved by regulators. That’s why adopters (e.g., insurance carriers, MGAs, and consumer brands) work with them for pre-approved insurance policies. Here’s the thing, though: It still takes a really long time to get to market and it comes at a hefty cost. It also means there are too many additional steps, costs, and complexities to launch these programs digitally.  According to our recent [2024 State of Digital Insurance Report](https://www.sureapp.com/2024-report-landing-page), 75% of insurance industry decision-makers said their companies spend at least $1 million annually on RSOs and over 50% of those spend $5 million or more every year to get their insurance programs off the ground. Many reported even spending $10 million or more, which is just adding friction to the process of getting consumers more insurance options!   Between time, cost, and never ending technology integrations, it’s not surprising that over 70% of survey respondents feel that RSOs require a massive amount of effort to get insurance programs off the ground as well as maintain and launch digitally. With limited options available, companies have been forced to deal with the legacy solutions for far too long. As one survey respondent shared, “We have determined there is nothing much better out there.” It sounds like people have just given up hope. ## How Anywhere fits  With only a paltry 12% of RSO customers very satisfied with their existing RSOs or ones they are evaluating, it’s clear that steps need to be taken to make the process of launching and maintaining new insurance programs less complex and faster.  Decades old infrastructure is not capable of keeping up with the needs of present day carriers and brands that are looking to extend insurance options to consumers. [Anywhere Insurance](https://www.sureapp.com/solutions/anywhere/overview) was purpose-built to fit this need – and born from over a decade of experience working with our insurance industry partners to fully understand the limitations and hurdles that exist. Anywhere Insurance combines two steps of the RSO process into one — something that has never been done before. It significantly shortens the amount of time it takes to launch new insurance programs by taking the plans for an insurance product and combining them with the industry leading Software-as-a-Service platform that already runs the most successful digital insurance experiences. In this way, a three year process becomes a three month process and turns the process into one that is delightful for customers and disrupts the status quo.  Anywhere has created a solution to avoid the long timeline and the headaches associated with bringing to market new insurance products, launching them digitally, and then worrying about ongoing maintenance. Carriers, MGAs, and brands will no longer need to contract several consulting firms, invest in a lot of heavy IT integration work, or manage 30 different software vendors just to wait three years to get to market. A tale that many continue to face.  Anywhere bridges the gap by being the modern layer in between the monopoly RSO incumbents and all the necessary integrations thereafter. It is packaged to provide the most seamless route avoiding the pain and the antiquated processes of the  existing solution – a truly plug-and-play solution that automates these repeatable, time consuming steps.  ## Unlocking supply for the insurance industry and consumers In developing Anywhere, our whole thesis has been that if we can eliminate all of the friction of launching new insurance programs digitally – if we can make it faster and also far better – we can help with the supply problem in the insurance market. It’s really quite simple: If you can make it easier and faster, more insurance products can get to market. What’s more, if you can make it easier and faster, more players will emerge with that supply and the market will become more efficient for consumers.  The insurance industry is failing consumers, and there is an inherent need at the core of the industry to modernize. By [reinventing how insurance products](https://www.forbes.com/sites/jeffkauflin/2024/02/13/the-future-of-insurance-fintech-50-2024/?sh=20d437d35c29) are combined with technology platforms, Anywhere is changing the way the  insurance industry accelerates solutions for consumers and insurance carriers. --- # 71% of insurance industry decision-makers dissatisfied with level of effort to get updated insurance programs off the ground and launched digitally > 71% of insurance industry decision-makers are dissatisfied with the level of effort to launch digital insurance programs. Canonical URL: https://www.sureapp.com/newsroom/press-release-71-of-insurance-industry-decision-makers-dissatisfied-with-level-of-effort-to-get-updated-insurance-programs-off-the-ground-and-launched-digitally Type: Press release Published: 2024-03-12T00:00:00.000Z ##### _Sure’s 2024 State of Digital Insurance Report reveals pain points standing in the way of unlocking the potential of digital insurance_ **LOS ANGELES, CA — March 12, 2024 —** Sure, the insurance technology leader that unlocks the potential of digital insurance, today released the [2024 State of Digital Insurance Report](https://www.sureapp.com/2024-report-landing-page), revealing widespread dissatisfaction with a core part of the insurance ecosystem, legacy rate service organizations (RSOs). Hundreds of insurance industry decision-makers were surveyed to dive deeper into the current state of the digital insurance landscape, as well as the challenges of getting insurance programs off the ground and launching them digitally. As the embedded insurance market is expected to exceed $70 billion by 2030, this new research reveals interesting insights about the tools that insurance professionals are using to meet this demand, as well as the difficulties posed by legacy RSOs in the process.  ## High cost, high pain As consumers seek more seamless experiences to purchase insurance in a digital world, many carriers and brands are looking to keep pace by developing digital insurance programs from the ground up. Rate service organizations are a necessary step in building insurance programs, providing rate, rule, and form filings, as well as other services, such as loss analytics. Sure’s new research report found that while there is widespread use of RSOs and their services, 71% of respondents feel that legacy RSOs require a massive amount of effort to get insurance programs off the ground, maintain them, and launch them digitally. Ultimately, these shortcomings hurt consumers with limited options and coverage that’s not keeping pace with the market. Not only are the current options for launching insurance programs time-intensive and massively complex, they’re also highly expensive. 75% of respondents noted that their companies spend at least $1 million annually to execute these programs — and 31% report spending $10 million or more. Despite all of this investment of financial resources and effort, only 12% of respondents are very satisfied with legacy RSOs. Further, when asked what they are least satisfied with, respondents cited effort (46%) and flexibility (31%) despite both also being their top two priorities. “Having spent almost a decade partnering with global carriers and consumer brands to build and launch digital insurance programs, these results are not surprising. The plumbing and pricing of the insurance industry is a mess and a big part of it is the incumbent RSOs who haven’t kept pace with the transition to fully digital insurance,” said Wayne Slavin, co-founder and CEO of Sure. “Carriers are spending up to $10 million a year on their RSO’s services to build and maintain their insurance programs, and yet the data shows that the pain points are everywhere and satisfaction is shockingly low. One would assume that with so much investment of time, effort, and money, satisfaction would be guaranteed, but it’s not. The industry needs a new way forward to provide modern solutions for carriers and, ultimately, for consumers who are seeking insurance options.” Sure’s new survey underscores the difficulties that organizations face as they develop new insurance programs in a market that has long been dominated by a handful of incumbent RSOs. As one respondent said, “We have not yet identified an RSO that provides the cost, value, and flexibility we are seeking.” To truly reach customers with insurance products in their moment of need through digital experiences, a new solution must be enabled with a technology platform, manage necessary integrations out of the box, and prioritize seamless digital customer experiences. Sure’s [State of Digital Insurance Report](https://www.sureapp.com/2024-report-landing-page) demonstrates that the current solutions simply cannot deliver on those basic needs. ## Meet the future of insurance For over a decade, Sure has launched $1b+ digital insurance programs with its partners and has seen firsthand the many pain points of combining legacy insurance products from RSOs with modern technology. Sure recently launched [Anywhere Insurance](https://www.sureapp.com/solutions/anywhere/overview) to meet these challenges head-on by radically rethinking how to launch new insurance programs and bring them to market digitally.  Through years of development, Anywhere packages up a modern and modular suite of pre-configured insurance product filings paired with Sure’s best-in-class-technology platform. The combined solution goes beyond the imaginations of what insurance professionals have had to work with until now. The result is a time to market that is 800% faster; a scalable and cost effective solution for all; superior technology with minimal IT investments, short implementation timelines, and reduced servicing touchpoints; and a better customer experience that helps to close the protection gap in the market. [Sure's full 2024 State of Digital Insurance Report is available here](https://www.sureapp.com/2024-report-landing-page). ##### Methodology To conduct this research, Sure partnered with [NewtonX](https://www.newtonx.com/), the leading B2B market research company. Of the over 200 participants, more than 80% held director-level positions or above, with titles such as CEO, Chief Auditor, Head of Claims, Risk Analyst, and Pricing Actuary. NewtonX utilized its fintech research expertise and proprietary AI-driven algorithm, the NewtonX Graph, to custom recruit these insurance experts from its open network of over 1.1 billion professionals. ‍**###** ###### About Sure Sure is the global insurance technology leader that unlocks the potential of digital insurance. Global brands and market-leading insurance carriers from the Fortune 500 build and launch sophisticated embedded insurance products on Sure’s SaaS infrastructure to distribute, service, and scale digital insurance. Sure’s insurance expertise combined with its technology increases revenue streams and accelerates market growth while revolutionizing the customer experience. Visit [sureapp.com](https://www.sureapp.com/) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [X](https://twitter.com/surehq). --- # Anywhere Insurance: What it is and why it’s so necessary now > Anywhere Insurance is changing the way digital insurance programs are being built by combining insurance products with modern technology. Canonical URL: https://www.sureapp.com/newsroom/anywhere-insurance-what-it-is-and-why-its-so-necessary-now Type: Blog post Published: 2024-02-27T00:00:00.000Z Author: By Wayne Slavin, Co-Founder & CEO Anywhere Insurance is a modern and modular digital insurance solution for any carrier, MGA, or brand that wants unique, tailored go-to-market insurance products paired with end-to-end technology and APIs. Years in the making, our new solution is a massive unlock for the insurance industry. It has come from painstaking frustration navigating through the inadequacies of the status quo, as well as the pain being experienced throughout the insurance value chain all the way to the consumer. Through our firsthand experience launching billion dollar plus insurance programs with our partners, we have seen the many pain points of combining insurance products with modern technology – so we have a unique viewpoint through which to help guide the industry to this next phase of digital insurance. By taking what we’ve learned to build Anywhere from the ground up, we are revolutionizing the process of launching new insurance programs and then offering them digitally. This transformation is akin to the shift from a cash only payment society to one where people can buy anything from their phones. Future generations will not even know what paper money feels like – and that’s what the transition [Anywhere will unlock](https://www.sureapp.com/post/anywhere-insurance-the-catalyst-for-fixing-a-broken-insurance-system-standing-in-the-way-of-modernization) for insurance as we move from offline to online. Think of Anywhere as the first step in an evolution of the insurance industry similar to how the payments industry began with Visa and Mastercard and today is Apple Pay.  The results speak for themselves. Launching an insurance program with Anywhere is 800% faster. It means years of savings and a massive acceleration in delivering insurance solutions to carriers, businesses, brands, and, most importantly, consumers –  who all desire modern insurance solutions. Anywhere does it through proven insurance product filings with pre-configured policies and templates and a scalable solution that meets the needs of all. Importantly, we have paired it all with vastly superior technology, removing the need for heavy IT investments, lengthy implementation timelines, or costly servicing touch points. ## Why Anywhere is necessary – now We [launched Anywhere](https://www.sureapp.com/solutions/anywhere/overview) because the status quo is a mess. Existing rate service organizations (RSOs) are not meeting the needs of carriers, MGAs, and brands to launch modern digital insurance programs. Current options are too slow, inflexible, and require lengthy build times, constant maintenance, and costly integrations. Taken together, the average time to market is three years with the status quo. Despite these challenges, the industry has accepted that this is the cost of doing business because of unfettered control by legacy incumbents in the value chain of insurance products. Because no viable alternatives exist, a monopoly has grown stronger to inflict unnecessary pain on the industry. It doesn’t have to be this way, however. Launching a new insurance program doesn’t need to take years of work and millions of dollars in investment. There can be a better way, and Anywhere was built to be that better way. Anywhere puts an end to this artificial constraint on the market and  a more seamless way to build digital insurance programs for the modern age. ## How Anywhere is changing the face of insurance With Anywhere, we have taken what was once a painful, frustrating process and made it a delightful experience. A first of its kind insurance program for carriers, MGAs, and brands, Anywhere eliminates all of the past friction of launching new digital insurance programs to get our partners to market faster than ever before and at a fraction of the cost. Anywhere eliminates the need for building and filing from scratch,  rating-as-a-service headaches, constant maintenance with difficult documentation, and expensive system integrators taking years to launch. We’ve done all the heavy lifting to make the process of launching a new insurance program turnkey with pre-configured products, forms and endorsements, rates and rules, actuarial services for compliance and filings, and globally scalable technology platform built on Sure. With Anywhere, it’s all been taken care of so our partners can stress less and focus more on providing value to their customers. Here are just a few of the ways that Anywhere stands out: - **_Modern capabilities_** – Anywhere is built for accelerating launch timelines by years through wrapping flexible, pre-integrated technology around modern insurance product filings, and industry leading insurance advisory services. - **_Modular choices_** – Anywhere is built for flexibility and choice, with a pre-configured foundation and options to tailor everything for the needs of adopters in their insurance program. ## Steps to get you Anywhere With our core insurance products and modern technology, Anywhere currently includes pre-built auto, homeowners, and renters insurance filings. Any carrier, MGA, or brand that wants to offer a truly unique insurance product to their customers or wants to enter a new market can launch a digital insurance program within six months using Anywhere’s modular capabilities.  Anywhere frees up the data, manages the integration, and prioritizes the customer experience. With a decade of digital insurance experience under our belts, we’ve optimized the process for [launching new digital insurance](https://fintech.global/2023/03/16/insurtech-sure-launches-technology-that-enables-embedded-one-click-protection/) programs with Anywhere.  Here are the simple steps to get you started on your digital insurance journey with Anywhere. ![Production adoption](https://kgerf2ausmlyevfj.public.blob.vercel-storage.com/6750785674973aaaded306ba_675077eb386b16dcbc75e391_Anywhere%2520blog%2520series%2520p2%2520-%2520step%25201.png) _Anywhere step 1_ ‍ Sure will work with partners to determine which options from our insurance product suite are best suited to fit individual insurance program needs. Adopters can select a base product and then customize from start to finish. ![Technology selection](https://kgerf2ausmlyevfj.public.blob.vercel-storage.com/6750785674973aaaded306c2_6750781b8ccd31cd417947bb_Anywhere%2520blog%2520series%2520p2%2520-%2520step%25202.png) _Anywhere step 2_ ‍ Sure’s growth services team will help with a plug-and-play integration with everything from white labels to third-party data. Working as a layer of technology within your existing tech stack, adopters can set it and forget it. Alternatively, Sure can be your full stack solution. ![Go to market](https://kgerf2ausmlyevfj.public.blob.vercel-storage.com/6750785674973aaaded306c5_675078378e807b7f1ab10a5a_Anywhere%2520blog%2520series%2520p2%2520-%2520step%25203.png) _Anywhere step 3_ ‍ Unlike the average go to market time of three years using the status quo, partners can get to market within six months. Expedite the process, put customers first with a world-class customer experience, and scale ROI with Anywhere. Get started with [Anywhere Insurance](https://www.sureapp.com/solutions/anywhere/overview). --- # Anywhere Insurance: The catalyst for fixing a broken insurance system standing in the way of modernization > Learn how Anywhere Insurance unlocks the pain points to get modern digital insurance programs off the ground. Canonical URL: https://www.sureapp.com/newsroom/anywhere-insurance-the-catalyst-for-fixing-a-broken-insurance-system-standing-in-the-way-of-modernization Type: Blog post Published: 2024-02-20T00:00:00.000Z Every so often we witness a tectonic shift within an industry that, while we may not know it at the time, completely changes the game. Think of the rise of ChatGPT by OpenAI, which ignited an overnight global stampede of companies scrambling to launch their own generative artificial intelligence solutions. Or consider the arrival of Netflix and its cascading impact on the media and entertainment industry. In the first act, Netflix upended brick and mortar video rental stores with a subscription-based, home-delivery rental service. In the second act, it brought the world streaming video, spurring countless competitors, forcing major broadcast networks to launch their own streaming services, and left cable providers calling emergency board meetings to grapple with “cord cutting.” With our [recent launch of Anywhere Insurance](https://www.sureapp.com/press/press-release-sure-launches-anywhere-insurance-to-liberate-insurance-industry-from-grip-of-incumbent-rate-service-organizations-and-legacy-vendors), Sure is ushering in a tectonic shift within the insurance industry. This industry-defining moment is not just because of Anywhere, but because of the pain points that Anywhere unlocks to get modern digital insurance programs off the ground.  For years, Sure has worked with global carriers and brands to launch digital insurance programs, and we have seen firsthand the agonizing challenges of working within the confines of the status quo. Our experience (and the experience of our partners) is what has led to Anywhere and our desire to prioritize Sure’s partners above the dated conventional practices of the insurance industry. Anywhere is shattering the insurance industry construct – and we know others will follow, just like others are now following ChatGPT into the generative AI craze and others followed Netflix into streaming. ## The origin of Anywhere Since our founding, Sure has been privileged to support so many digital insurance program launches with trusted enterprise partners. From insurance carriers and MGAs to automobile manufacturers, fintechs, and proptechs, our partners come to us because we have the best technology, years of ecosystem experience, and the insurance know-how to build and launch sophisticated digital insurance programs. And yet, it’s still incredibly challenging to pull off. It’s challenging for us, but especially for our partners. With each program launch, we came back to the same nagging question: “What in the system and supply chain of insurance programs is making this so difficult for our partners?” In our experience, a big part of the problem is that our partners often have to work with as many as 30 different vendors in order to go from an insurance product idea to digitally selling insurance to consumers.  The status quo is such that everyone will have to go through multiple steps to get to the finish line, including building their filings, sourcing data, and choosing a software system – all the while waiting for approval of their filings, integrating the data, navigating software implementations, and so on. This can take years and the number of variables within each of these steps is enough to make any partner panic about the investment of time and money. Add in rules and regulations changes in each state, software systems updates, and then integrating third-party data. Taken together, the average time to market with the status quo is three years. Three years to go from filing to selling – that’s crazy in the age of streaming Netflix and generative AI. As we continued down this seemingly humble discovery, it was like peeling an onion. We started to question the system as a whole. Chief among them, why are there only a handful of companies to work with that provide the data needed to support an entire industry? Why does it take several months to integrate that same data into any software? Why is integrating payments an entirely different workflow? Why is creating a seamless customer experience another step? Why do our partners experience additional pain when it comes to an API integration? The questions continued to mount. Each of these is a layer of unnecessary complexity. It became painfully clear that what our partners need is a solution that can support lots of different use cases – such as an insurance product filing that is already integrated with the software that runs it. And that’s when the idea for Anywhere was born. ## Freeing up the data commodity There are a handful of companies that provide data and filings in the insurance industry, but there is one known monopoly that reigns supreme. As things currently work, our partners have to get their insurance filings and data from one incumbent in the market, then they are left to figure out the rest on their own. The traditional model is such that it’s incredibly time consuming and difficult to navigate. Despite these challenges, the industry has accepted this as the cost of doing business because of unfettered control by legacy incumbents. Until now, that is. To date, no other company has spent years building a solution that empowers organizations that want to launch a digital insurance program with the freedom to get out from the control of a handful of incumbents. Our take: Insurance is broken at the filing level. Viable alternatives need to be an option in order to scale modern digital insurance programs and fix the problems being experienced by actual consumers looking for auto or home insurance in 2023 and beyond. [Anywhere was purpose-built](https://www.sureapp.com/solutions/anywhere/overview) so our partners can have the fastest time to market by avoiding all the friction that currently exists to build new insurance programs and then bring them to market digitally. It shouldn’t ever be this hard, and we’ve built an efficient, modern solution that eliminates the pressure on our partners. Organizations will no longer need to contract several consulting firms, invest in a lot of heavy IT work, or manage 30 different software vendors just to wait three years to get to market. No need for rating-as-a-service. No need for maintenance contracts. No need for system integrators that run up huge time and materials bills. We have packaged it all up to provide the most seamless route to bypass the pain and the antiquated processes of the status quo.  Anywhere is flipping the standard on its head by being the layer in between the monopoly incumbents and all the necessary integrations thereafter. What we have learned is that the three years it currently takes to go from concept to consumer involves repeatable steps. Anywhere is built as a plug-and-play game-changing solution to automate these repeatable, time consuming steps.  ## The need for Anywhere now That [status quo](https://www.wsj.com/finance/silicon-valley-needs-to-accept-that-insurance-is-boring-899d5b16) is failing consumers everywhere. Insurance premiums are rising, carriers are pulling out of states, and policy renewals are being denied. Consumers are finding it more and more difficult to secure the protection they need. Through no particular fault, the insurance industry is failing people. Why? Because the insurance standard hasn’t kept pace with modern times and everyone is pointing fingers at who to blame.  Anywhere is the catalyst for fixing the broken process of modernizing insurance. By thoughtfully building modern access to insurance products, we are leading the charge for the rest of the industry and solving complicated protection gaps for consumers.    Any brand, carrier, or MGA that wants to offer a truly unique insurance product to their customers or wants to enter a new line of business in the market can launch a modular digital insurance program within six months using Anywhere. Anywhere frees up the filing, data, and integrations while providing the best customer experience. Sure has eliminated all of the past friction of launching new insurance programs with Anywhere.   [Learn more about Anywhere Insurance.](https://www.sureapp.com/solutions/anywhere/overview) --- # Sure launches Anywhere Insurance to liberate insurance industry from grip of incumbent rate service organizations and legacy vendors > Anywhere Insurance is a first of its kind insurance program that pairs modern insurance product filings with industry leading SaaS technology. Canonical URL: https://www.sureapp.com/newsroom/press-release-sure-launches-anywhere-insurance-to-liberate-insurance-industry-from-grip-of-incumbent-rate-service-organizations-and-legacy-vendors Type: Press release Published: 2024-02-14T00:00:00.000Z ##### _Introduces first of its kind insurance programs that pair modern insurance product filings with industry leading SaaS technology ‍_ **LOS ANGELES, CA — February 14, 2024 —** Sure, the insurance technology leader that unlocks the potential of digital insurance, today announced the launch of Anywhere Insurance to liberate the insurance industry from the control of incumbent rate service organizations (RSOs) and legacy insurance product filings. Anywhere is a simple solution for complex insurance products. Anywhere provides first of its kind insurance programs designed for carriers, MGAs, and global brands that want unique, customizable, go-to-market ready insurance products paired with end-to-end SaaS technology and APIs that can scale to hundreds of millions of customers.  “For too long, legacy rate service organizations have had a stranglehold on the insurance industry. They have controlled the plumbing and pricing, creating challenging and unnecessary barriers to launch modern insurance programs,” said Wayne Slavin, co-founder and CEO of Sure. “Anywhere is reinventing how insurance programs are built and launched in the digital age. We are solving the fundamental challenges in the insurance industry with a new turnkey, technology-driven approach that dramatically reduces time to market, minimizes launch and operating costs, and revolutionizes the customer experience. Anywhere is something no other insurtech is capable of taking on and one of our most ambitious undertakings yet.” For years, Sure has partnered with trusted and established insurance companies to help them offer frictionless digital insurance, and has seen first-hand the enormous costs and pain points associated with the status quo. Years in development, Sure’s insurance and technology experts have delivered a solution that is unrivaled in the market. By expanding on what Sure has learned and packaging it up to produce a modern and modular suite of insurance products paired with the most cutting-edge insurance technology platform, the unique combination goes beyond the limitations of what incumbents can offer. The result is a time to market that is 800% faster and a more flexible, cost-effective solution that brings insurance product launches and distribution opportunities to match the needs of today’s insurance partners. ## Downsides of the status quo Legacy RSOs don’t meet the needs of carriers, MGAs, and brands to launch modern insurance programs. For too long the legacy vendors have repackaged the same old products with new buzz words and pretended it was something revolutionary – when, in fact, they were not delivering solutions to solve the problems they’ve created. They’re too slow, inflexible, and require program adopters to do all the work with long build and launch times, constant maintenance, forced upsells, and costly integrations. Despite these challenges, the industry has accepted them as the cost of doing business because of unfettered control by legacy incumbents and no viable alternatives.  ## The future of insurance Anywhere disrupts this head-on by eliminating all of the past friction of launching new insurance programs. With Anywhere, gone are the days of rating-as-a-service false promises, constant maintenance with difficult documentation, and expensive system integrators taking years to launch. With pre-configured products, forms and endorsements, rates and rules, actuarial services available for compliance and filings, and a globally scalable technology platform built on Sure, Anywhere makes the process of launching a new insurance program turnkey – just as it should be.  - **_Modern capabilities_** – Anywhere is built for accelerating launch timelines by years through wrapping flexible, pre-integrated technology around modern insurance product filings, and industry leading insurance advisory services. - **_Modular choices_** – Anywhere is built for flexibility and choice, with a pre-configured foundation and options to tailor everything for the needs of adopters in their insurance program. ## New and exclusive AI capabilities for insurance products With the introduction of Anywhere, Sure is ushering in a new era for the insurance industry to capitalize on the benefits of generative AI in delivering better insurance experiences for consumers. Generative AI is revolutionary technology with immense potential for the insurance industry, but in order to unlock this potential, the insurance industry can’t continue to use decades old insurance products that were built in an era before the technology we use today was invented. By combining Anywhere’s insurance products with the leading digital insurance distribution technology, Sure is providing the insurance industry with a platform to enable better customer experiences through out-of-the-box generative AI capabilities and future proofs the industry for the evolving pace of emerging technology. ** ###** ###### About Sure Sure is the global insurance technology leader that unlocks the potential of digital insurance. Global brands and market-leading insurance carriers from the Fortune 500 build and launch sophisticated embedded insurance products on Sure’s SaaS infrastructure to distribute, service, and scale digital insurance. Sure’s insurance expertise combined with its technology increases revenue streams and accelerates market growth while revolutionizing the customer experience. Visit [sureapp.com](https://www.sureapp.com/) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [X](https://twitter.com/surehq). --- # Forbes honors Sure on its Fintech 50 list for the second year in a row > Sure’s second consecutive year on the Fintech 50 follows launch of industry-disrupting innovations to unlock the potential of digital insurance. Canonical URL: https://www.sureapp.com/newsroom/press-release-forbes-honors-sure-on-its-fintech-50-list-for-the-second-year-in-a-row Type: Press release Published: 2024-02-13T00:00:00.000Z ##### _Sure’s second consecutive year on the Fintech 50 follows launch of industry-disrupting innovations to unlock the potential of digital insurance ‍_ **LOS ANGELES, CA — February 13, 2024 —** Sure, the insurance technology leader that unlocks the potential of digital insurance, today announced that it has been named to the 2024 Forbes Fintech 50 list, marking the company’s second consecutive year on the influential listing of the country’s top fintech companies. Now in its ninth year, the Fintech 50 list honors the top private companies that are transforming finance through technology. To compile the list, Forbes reporters and editors selected fintech organizations that are making a deep impact on customers and businesses through innovation. This includes factors like regularly releasing new products, scaling more quickly than the competition, and making strategic improvements in a legacy space that is primed for disruption. “2023 was an inflection year for Sure, and we entered 2024 better positioned than ever before to lead the charge towards reshaping the insurance industry for the digital age,” said Wayne Slavin, co-founder and CEO of Sure. “We kicked off the year with the release of one of our most innovative digital insurance solutions to date, and we’ve got so many more transformative announcements coming soon. Being recognized for the second year in a row on the Forbes Fintech 50 list is further proof of our momentum and market-leading position to unlock the potential of digital insurance.” This marks Sure’s second consecutive year on the Fintech 50 list and celebrates a period of rapid growth and new product releases for the company. In January, Sure unveiled Quote Assist™, new technology that empowers insurance agents to easily generate and customize quotes for consumers as they look to purchase insurance digitally. With advancements in generative AI, Sure is able to offer partners the best of both worlds with omni-customer experiences – full autonomy or a hybrid of digital and physical via Quote Assist™. While many prefer a digital, autonomous purchasing experience for their insurance needs, Quote Assist™ enables agents to create a middle ground for their customers between a fully digital experience and assisted guidance — removing unnecessary friction from the process while still putting the customer in complete control. ** ###** ###### About Sure Sure is the global insurance technology leader that unlocks the potential of digital insurance. Global brands and market-leading insurance carriers from the Fortune 500 build and launch sophisticated embedded insurance products on Sure’s SaaS infrastructure to distribute, service, and scale digital insurance. Sure’s insurance expertise combined with its technology increases revenue streams and accelerates market growth while revolutionizing the customer experience. Visit [sureapp.com](https://www.sureapp.com/) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [X](https://twitter.com/surehq). --- # Built In honors Sure in its esteemed 2024 Best Places to Work Awards > Sure announces it has once again been honored in Built In’s 2024 Best Places to Work awards. Canonical URL: https://www.sureapp.com/newsroom/press-release-built-in-honors-sure-in-its-esteemed-2024-best-places-to-work-awards Type: Press release Published: 2024-01-12T00:00:00.000Z ##### _Sure earns a spot as a top Midsize Remote Company to Work For ‍_ **LOS ANGELES, CA — January 12, 2024 —** Sure, the insurance technology leader that unlocks the potential of digital insurance, today announced it has once again been honored in Built In’s [2024 Best Places to Work awards](https://builtin.com/awards/remote/2024/best-midsize-places-to-work). In Sure’s fifth consecutive year on the list, the company earned recognition among the 100 Best Midsize Companies to Work For. The annual awards program includes companies of all sizes, from startups to those in the enterprise, and honors both remote-first employers as well as companies in large tech markets across the US. _‍_“Supporting our people has always been a top priority at Sure, and we’re committed to building a company culture that all Sureists can be proud of. It’s exciting to see those efforts recognized by Built In for the fifth straight year,” said Wayne Slavin, co-founder and CEO of Sure. “From the beginning, we’ve thrived in a remote-first culture that is enabled by trust, communication, and respect for our teammates, and we’re proud to call Sure a great place to work.” _‍_Built In determines the winners of Best Places to Work based on an algorithm, using company data about compensation and benefits. To reflect the benefits candidates are searching for more frequently on Built In, the program also weighs criteria like remote and flexible work opportunities, programs for DEI and other people-first cultural offerings. _‍_“I’d like to extend our heartfelt congratulations to the 2024 Best Places to Work winners,” says [Maria Christopoulos Katris](https://www.linkedin.com/in/maria-christopoulos-katris-35b91b7/), founder and CEO of Built In. “I am truly inspired by these companies that have risen to the challenge of fostering a positive work environment, maintaining a strong brand, and ensuring employee satisfaction. The future is filled with promise, and we are so excited to see what lies ahead.” _‍_** ###** ###### About Sure Sure is the global insurance technology leader that unlocks the potential of digital insurance. Global brands and market-leading insurance carriers from the Fortune 500 build and launch sophisticated embedded insurance products on Sure’s SaaS infrastructure to distribute, service, and scale digital insurance. Sure’s insurance expertise combined with its technology increases revenue streams and accelerates market growth while revolutionizing the customer experience. Visit [sureapp.com](https://www.sureapp.com/) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [Twitter](https://twitter.com/surehq). --- # Sure introduces Quote Assist™ to empower insurance agents with digital tools and generative AI to personalize quotes for customers > Sure’s Quote Assist™ uses generative AI capabilities to help to bridge the gap between digital and physical insurance purchasing experiences. Canonical URL: https://www.sureapp.com/newsroom/press-release-sure-introduces-quote-assist-tm-to-empower-insurance-agents-with-digital-tools-and-generative-ai-to-personalize-quotes-for-customers Type: Press release Published: 2024-01-10T00:00:00.000Z ##### _Quote Assist™ with generative AI capabilities is helping to bridge the gap between digital and physical insurance purchasing experiences ‍_ ‍**LOS ANGELES, CA — January 10, 2024 —** Sure, the insurance technology leader that unlocks the potential of digital insurance, today unveiled Quote Assist™, new technology that empowers insurance agents to easily generate and customize quotes for consumers as they look to purchase insurance. With advancements in generative AI, Sure is able to offer partners the best of both worlds with omni-customer experiences – full autonomy or a hybrid of digital and physical. Quote Assist™ was born from the idea that while there’s no stopping the march towards fully digital insurance experiences, sometimes a little assistance for customers is still helpful. In the case of Sure’s auto insurance partners like original equipment manufacturers (OEMs) and dealership groups, they found that their on-site teams needed the ability to add insurance protection onto a customer’s purchase at the point of sale. While most customers enjoy a fully digital insurance experience, some also wanted a little assistance. The problem was that their on-site agents lacked the ability to initiate and customize a quote on behalf of a customer, which would remove the friction points and add an assistive touch for customers looking to purchase a policy. Quote Assist™ solves for this by empowering agents to quickly and easily facilitate quote generations that are sent directly to consumers, allowing them the opportunity to interact with agents while still managing their own digital transaction. With Quote Assist™, agents are able to engage with customers, help generate and customize quotes for them, and have full visibility into their quote to better guide customers through their purchase experience — ensuring full transparency and visibility of the consumer-agent relationship. “Flexible and seamless digital insurance is the future – there’s no denying it. That’s not to say that consumers sometimes need a little helping hand in their digital insurance journey, and that’s where the idea for Quote Assist™ was born,” said Wayne Slavin, co-founder and CEO of Sure. “Quote Assist™ bridges the gap between the digital and physical worlds, enabling consumers to make the most informed decisions to protect what matters most. Major financial milestones like buying a home or a car only happen a few times over the course of the average person’s life, so consumers don’t always have experience navigating these big, often stressful, purchases. This can create a lot of confusion and doubt throughout the insurance buying process. With Quote Assist™, our partners are empowered with the visibility they need to better serve their customers in their moment of need.”  While many prefer a digital, autonomous purchasing experience for their insurance needs, Quote Assist™ enables agents to create a middle ground for their customers between a fully digital experience and assisted guidance — removing unnecessary friction from the process while still putting the customer in complete control. Quote Assist™ is currently available for all lines of business on the Sure Platform. Quote Assist™ is just another example of the ways in which Sure is able to grow alongside its partners and quickly build solutions that meet each partner’s specific needs.  ‍** ###** ###### About Sure Sure is the global insurance technology leader that unlocks the potential of digital insurance. Global brands and market-leading insurance carriers from the Fortune 500 build and launch sophisticated embedded insurance products on Sure’s SaaS infrastructure to distribute, service, and scale digital insurance. Sure’s insurance expertise combined with its technology increases revenue streams and accelerates market growth while revolutionizing the customer experience. Visit [sureapp.com](https://www.sureapp.com/) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [Twitter](https://twitter.com/surehq). --- # 2023 in review: A banner year in our quest to unlock the potential of digital insurance > From winning awards to partnership expansions to the unveiling of new digital insurance solutions, Sure accomplished a lot in a short span of time. Canonical URL: https://www.sureapp.com/newsroom/2023-in-review-a-banner-year-in-our-quest-to-unlock-the-potential-of-digital-insurance Type: Blog post Published: 2023-12-18T00:00:00.000Z Author: By Ben Veghte, Head of Communications & Marketing 2023 was a banner year for Sure. From winning awards to partnership expansions to the unveiling of new innovative solutions, we accomplished a lot in a short span of time. As we turn the page on 2023, we want to look back at our growth over the last year as a company that specializes in all aspects of digital insurance. Sure continues to provide the most trusted carriers and brands with everything they need to unlock the potential of digital insurance.  To put it plainly, Sure is an anomaly – and intentionally so. There are several things about Sure that separates us in the crowded insurtech landscape. The first being that Sure specializes in working closely with non-insurance companies that want to launch digital insurance programs. The second is that our expert solutions are much more varied and significantly more complex than others in the space. Importantly, what we do fills deep voids within the insurance industry. Our innovative solutions have not gone unnoticed in 2023, either. Sure won several leading awards. From the Inc. 5000 to the Forbes Fintech 50, the accolades we received were overwhelming and they’re just a small portion of Sure’s success in 2023. Let’s dive into a few of Sure’s highlights from the past year. ## Solutions that meet the needs of partners Working closely with our partners is imperative to building and maintaining solutions that consistently meet the needs of our partners. Each partnership is unique, and each solution we build is thoughtfully crafted with research, time, and expertise to ensure our partners can provide the most seamless experience for their customers. Here are just a couple examples of the new solutions we shipped in the last twelve months. #### Retrace Officially [launched](https://www.sureapp.com/press/press-release-sure-launches-retrace-for-online-merchants-to-offer-embedded-one-click-insurance-and-protection-at-point-of-sale) in March, Retrace is new technology that enables online merchants to offer their customers embedded one-click insurance and protection at any point in the purchase flow for a variety of use cases such as e-commerce returns, travel insurance, and product warranty protection. With the launch of Retrace, Sure introduced its first e-commerce solution, enabling online merchants to offer customers return shipping protection at the point of sale to cover the cost of returning goods. “Our technology reaches and engages customers wherever they are on their journey, and with Retrace, we are enabling online merchants to provide customers with embedded insurance and protection tools,” says Wayne Slavin, co-founder and CEO of Sure. “We’re starting with the first of its kind one-click return shipping protection but the sky’s the limit, and we have set our sights on a variety of other products spanning travel insurance to warranty protection and beyond.” With Retrace’s return shipping protection, a merchant can enhance the shopping experience for customers while improving the costs of return shipping for their businesses. In doing so, online merchants can expand their customer base by meeting consumer preferences, as studies show a majority of shoppers say that a company’s return policy influences their first-time purchase decision. With customers knowing ahead of time they can return purchased items without the burden of costly returns, merchants are likely to see an increase in their average order value and a jump in customer satisfaction. Retrace return shipping protection supports both the consumer and merchant. See how partners like [Beflax Linen](https://www.sureapp.com/post/how-beflax-linen-provides-the-best-customer-service-with-retrace) have been working closely with Sure to create a seamless customer experience without dipping into profits. #### Home warranty solution Sure’s [home warranty solution](https://www.sureapp.com/solutions/connect/home-warranty) is a modern, embedded home warranty offering for the digital age. Sure partners are able to create fully integrated digital home warranty experiences that enable landlords and property managers to seamlessly purchase a home warranty contract in a few simple steps.. “With Sure’s home warranty solution, we are bringing a modern, technology-enabled approach to an age-old protection product,” says Wayne. “Like our other solutions, Sure's home warranty product fits seamlessly into almost any digital experience, making the process of adding home warranty protection to any property management platform or PropTech platform as simple as a few clicks of a mouse. The home warranty market is estimated to reach almost $4 billion in 2023, and we are enabling our partners to capture their share of this growing pie through our modern home warranty protection solution embedded directly into their existing digital experiences.” Sure’s home warranty solution is available for distribution to individual homeowners through lenders, mortgage companies, fintechs, insurance carriers, insurance aggregators, and others. Landlords can seamlessly add home warranty to their rental properties through the rental management software platforms they already use to manage their rental units. Sure is reinventing the age-old approach to home protection products through digital experiences. ## Breaking the digital insurance mold one award at a time Sure’s innovations and groundbreaking work to unlock the potential of digital insurance turned some heads in 2023. Here are some of the highlights from the extensive list of awards Sure has received this year, all of which are a testament to the hard work of Sure’s team. #### Fintech  ###### The Forbes Fintech 50 **‍**Sure was featured on the [Forbes Fintech 50](https://www.sureapp.com/press/press-release-forbes-honors-sure-on-its-2023-fintech-50-list), which identifies companies that make a deep impact on consumers and businesses with innovation. This year’s list highlighted companies that are faster than competitors, regularly releasing new products, or making major strategic improvements – not simply offering services that have looked the same for years. ###### InsurTech 100 **‍**For the 4th consecutive year, Sure made the FinTech Global prestigious [InsurTech100](https://fintech.global/insurtech100/) list. The InsurTech100 list celebrates the world’s most innovative insurtech companies and Sure was honored once again for building the most sophisticated digital insurance programs. ###### The Power 300 Financial Technology Companies of 2023 **‍**The Financial Technology Report honors the most influential companies in financial technology. Sure was named a category leader of digital insurance. #### Workplace ###### 2023 Deloitte Fast 500 **‍**The Deloitte Technology Fast 500 ranks Sure as one of the fastest-growing technology, media, telecommunications, life sciences, fintech, and energy tech companies in North America. 2023 marked Sure’s third consecutive year making the list.  ###### 2023 Inc. 5000 **‍**Inc. recognizes the fastest growing private companies in America. This year, [Sure was recognized](https://www.inc.com/profile/sure) as the insurance technology leader unlocking the potential of digital insurance with a SaaS infrastructure that distributes, services, and scales digital insurance. ###### Built In’s Best Places to Work **‍**Built In’s annual awards program includes companies of all sizes and stages, from startups to the enterprise, and honors both remote-first companies as well as those in large tech markets across the U.S. This year, Built In [honored Sure](https://www.sureapp.com/press/press-release-built-in-honors-sure-in-its-esteemed-2023-best-places-to-work-awards) as one of the top 100 fully remote companies to work for. #### Insurtech ###### The Insurtech 50 **‍**[CB Insights](https://www.cbinsights.com/research/top-insurtech-startups-2023/) recognizes the top 50 most promising insurtech companies around the world. This year, Sure was honored for innovation in distribution. ###### Top 10 insurtechs for auto insurance **‍**InsurTech Digital recognizes insurtechs that are bringing streamlined, bespoke policies, and lower premiums to consumers through innovation. Sure was recognized for providing seamless digital customer experiences for the auto insurance industry. ###### 10 Best insurance tech companies to watch **‍**CIO Coverage annually ranks the 10 best insurance tech companies to pay attention to. [CIO Coverage](https://www.ciocoverage.com/10-best-insurance-tech-companies-to-watch/) listed Sure because it streamlines all aspects of digital insurance sales and service with features designed for each phase of the insurance lifecycle. ## The best is yet to come in 2024 Though 2023 brought awards and recognitions, new and innovative solutions, and fresh partnerships with the likes of [TurboTenant](https://www.sureapp.com/turbotenant-case-study), [Better](https://investors.better.com/news/news-details/2023/Better-Launches-Better-Insurance-to-Provide-Online-Insurance-Experience-for-American-Homeowners/), and others, the best is yet to come and we’re so excited for what’s next in the year ahead. Sure is changing the landscape of the insurance industry with new, never before seen solutions that are transforming how digital insurance programs are built. Things like more automation and far less manual administrative work, complete flexibility to control the customer experience, and the fastest time to market. These are just a few of the advancements that Sure is bringing forward in 2024 and beyond. ‍ ![\_\_wf\_reserved\_inherit](https://kgerf2ausmlyevfj.public.blob.vercel-storage.com/67507a7836e25084fdfd1cb5_67507a61dd78433135183062_Year%2520in%2520Review%25202023.png) _Sure's year in review_ --- # TurboTenant increases renters insurance adoption by 30% in one week using Sure’s API > TurboTenant increased digital renters insurance adoption by 30% in one week using Sure’s API. Canonical URL: https://www.sureapp.com/newsroom/press-release-turbotenant-increases-renters-insurance-adoption-by-30-in-one-week-using-sures-api Type: Press release Published: 2023-11-28T00:00:00.000Z ##### _All-in-one rental management software provider expands its partnership with Sure to increase access to renters insurance ‍_ **LOS ANGELES, CA — November 28, 2023 —** Sure, the insurance technology leader that unlocks the potential of digital insurance, today announced that it has expanded its partnership with [TurboTenant](https://www.turbotenant.com/), an all-in-one online property management solution, to drive greater adoption of renters insurance. To connect more tenants with renters insurance, TurboTenant chose to expand its partnership with Sure because no other company could compete with Sure’s technology, speed to market, experience, and technical support. Using Sure’s technology, TurboTenant is helping more tenants secure the protection they need while empowering landlords to manage all aspects of the rental process through a unified solution. To offer access to renters insurance, TurboTenant was first using Sure’s iFrame technology for its dynamic interface. The partnership quickly expanded after TurboTenant discovered they needed a different implementation solution to best support their community of renters who preferred to use the TurboTenant platform on mobile. To better serve its community and meet them where they are through a seamless experience, TurboTenant needed to deploy Sure’s API integration to shift to a mobile-first customer experience. “Over 90% of our renters are on mobile, so while the iFrame was a great way to dip our toe in the water with renters insurance, we needed a different long-term solution,” said Seamus Nally, CEO of TurboTenant. “Our goal was to reduce friction for tenants so that they can have access to the coverage they need to protect their belongings and the rental property without leaving the TurboTenant platform. Our partnership with Sure was the linchpin to help make it happen.” The process from development to release took only two months, with only a couple of engineers on TurboTenant’s developer team working on it in partnership with Sure’s expert technologists. The API release proved to be an immediate success. Just one week after this implementation, TurboTenant saw a nearly 30% increase in adoption of binded renters insurance policies and an increased confidence in its ability to provide renters with a better user experience.  “Before with iFrame, if renters wanted to get insurance, it wasn’t realistic for us to expect that would work smoothly when most of our renters were using mobile and we couldn’t support that well,” said Raj Karyampudi, Principal Product Manager at TurboTenant. “We feel more comfortable now that we can better support renters through our partnership with Sure.” To learn more about how Sure helped TurboTenant drive greater adoption of renters insurance, read the full [case study](https://www.sureapp.com/turbotenant-case-study).  ** ###** ###### About Sure Sure is the global insurance technology leader that unlocks the potential of digital insurance. Global brands and market-leading insurance carriers from the Fortune 500 build and launch sophisticated embedded insurance products on Sure’s SaaS infrastructure to distribute, service, and scale digital insurance. Sure’s insurance expertise combined with its technology increases revenue streams and accelerates market growth while revolutionizing the customer experience. Visit [sureapp.com](https://www.sureapp.com/) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [Twitter](https://twitter.com/surehq). ###### About TurboTenant More than 450,000 independent landlords across the U.S. enjoy TurboTenant's free, all-in-one online property management software. Features offered by [TurboTenant](https://www.turbotenant.com/) include rental applications, tenant screening, property marketing, rent payments, lease agreements, and rent reporting. Please reach out to press@turbotenant.com for specific data requests. --- # Sure ranked among fastest-growing companies in North America on the 2023 Deloitte Technology Fast 500™ > Sure ranked among fastest-growing companies in North America on the 2023 Deloitte Technology Fast 500™. Canonical URL: https://www.sureapp.com/newsroom/press-release-sure-ranked-among-fastest-growing-companies-in-north-america-on-the-2023-deloitte-technology-fast-500-tm Type: Press release Published: 2023-11-08T00:00:00.000Z ##### _With impressive revenue and company growth, 2023 marks Sure’s third consecutive appearance on the list_ **LOS ANGELES, CA — November 8, 2023  —** Sure, the insurance technology leader that unlocks the potential of digital insurance, today announced it has been included on the Deloitte Technology Fast 500™, a ranking of the fastest-growing technology, media, telecommunications, life sciences, fintech, and energy tech companies in North America.  “To be featured among the Deloitte Technology Fast 500 is a huge honor, and a testament to the incredible work of our team this past year and the momentum we have to transform the future of insurance,” said Wayne Slavin, co-founder and CEO of Sure. “In 2023 alone, we’ve released game-changing products like one-click return shipping protection and our embedded home warranty solution, and we’re just getting started. We’re excited to keep our foot on the gas as we continue to change the way insurance is distributed, digitally.”   This marks Sure’s third consecutive year on the Deloitte Technology Fast 500 and adds to the company’s growing list of prestigious industry distinctions, including recognition on the [Forbes Fintech 50](https://www.forbes.com/lists/fintech50/?sh=57c487a318d3), [Inc. 5000](https://www.inc.com/inc5000/2023), and [Insurtech100](https://fintech.global/insurtech100/) lists. The company has also added several new high-level partnerships and expanded across insurance product lines as it continues to unlock the potential of digital insurance.  “Each year we look forward to reviewing the progress and innovations of our Technology Fast 500 winners. This year is especially celebratory as we expand the number of winners to better represent just how many companies are developing new ideas to progress our society and the world, especially during a slow economy,” said [Paul Silverglate](https://www2.deloitte.com/us/en/profiles/psilverglate.html), vice chair, Deloitte LLP and U.S. technology sector leader. “While software and services and life sciences continue to dominate the top 10, we are encouraged to see other categories making their mark. Congratulations to all the winners who show us how creativity, hard work and perseverance can lead to success.” Overall, the 2023 Technology Fast 500 companies achieved revenue growth ranging from 201% to 222,189% over the three-year time frame from 2019 to 2022, with an average growth rate of 1,934% and a median growth rate of 497%. “As for growing companies, it’s always rewarding to be recognized for the ongoing commitment it takes to navigate obstacles, transform when necessary and ultimately create a thriving business,” said [Christie Simons](https://www2.deloitte.com/us/en/profiles/christie-simons.html), partner, Deloitte & Touche LLP and industry leader for technology, media and telecommunications within Deloitte’s audit and assurance practice. “Over the nearly 30 years we’ve been compiling the Technology Fast 500, we’ve seen new categories emerge, growth rates explode, and certain regional markets shine from the bright talent they attract. We are proud of all the winners for achieving this well-deserved honor.” ##### About the 2023 Deloitte Technology Fast 500 Now in its 29th year, the Deloitte Technology Fast 500 provides a ranking of the fastest-growing technology, media, telecommunications, life sciences, fintech, and energy tech companies — both public and private — in North America. Technology Fast 500 award winners are selected based on percentage fiscal year revenue growth from 2019 to 2022. In order to be eligible for Technology Fast 500 recognition, companies must own proprietary intellectual property or technology that is sold to customers in products that contribute to a majority of the company’s operating revenues. Companies must have base-year operating revenues of at least US$50,000, and current-year operating revenues of at least US$5 million. Additionally, companies must be in business for a minimum of four years and be headquartered within North America. ** ###** ###### About Sure Sure is the global insurance technology leader that unlocks the potential of digital insurance. Global brands and market-leading insurance carriers from the Fortune 500 build and launch sophisticated embedded insurance products on Sure’s SaaS infrastructure to distribute, service, and scale digital insurance. Sure’s insurance expertise combined with its technology increases revenue streams and accelerates market growth while revolutionizing the customer experience. Visit [sureapp.com](https://www.sureapp.com/) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [Twitter](https://twitter.com/surehq). ###### About Deloitte Deloitte provides industry-leading audit, consulting, tax and advisory services to many of the world’s most admired brands, including nearly 90% of the Fortune 500® and more than 8,500 U.S.-based private companies. At Deloitte, we strive to live our purpose of making an [impact that matters](https://www2.deloitte.com/us/en/pages/about-deloitte/articles/purpose-at-deloitte-us.html) by creating trust and confidence in a more equitable society. We leverage our unique blend of business acumen, command of technology, and strategic technology alliances to advise our clients across industries as they [build their future](https://www2.deloitte.com/us/en/pages/about-deloitte/articles/technology-consulting-engineering-advantage.html). Deloitte is proud to be part of the largest global professional services network serving our clients in the markets that are most important to them. Bringing more than 175 years of service, our network of member firms spans more than 150 countries and territories. Learn how Deloitte’s approximately 457,000 people worldwide connect for impact at [www.deloitte.com](https://www.deloitte.com). --- # Latchel partners with Sure to integrate renters insurance into its platform for a holistic resident experience > Sure’s API integration will enable access to digital renters insurance to better support property managers and tenants on Latchel’s platform. Canonical URL: https://www.sureapp.com/newsroom/press-release-latchel-partners-with-sure-to-integrate-renters-insurance-into-its-platform-for-a-holistic-resident-experience Type: Press release Published: 2023-09-27T00:00:00.000Z ##### _Sure’s API integration will enable access to renters insurance to better support property managers and tenants_ **LOS ANGELES, CA — September 27, 2023 —** Sure, the insurance technology leader that unlocks the potential of digital insurance, today announced [Latchel](https://latchel.com/), a proptech company modernizing maintenance operations and resident amenities, has selected Sure to power its renters insurance program and provide tenants with one inclusive platform that meets all their home needs. With Sure’s seamless embedded insurance API integration and intuitive user experience, Latchel can better enable property managers to confirm a tenant’s renters insurance status, decreasing operational costs for property managers while increasing protection for residents. While many property managers and landlords require tenants to purchase renters insurance, monitoring adoption can be both costly and difficult. Sure’s renters insurance solution minimizes the complexity to drive renters insurance adoption, providing a seamless experience for both property managers and tenants. With Sure, residents on Latchel’s platform will be able to access protection right from their resident benefits dashboard. “When we first met with Sure, it was evident we shared a lot of synergy with our goals for the proptech industry. Property managers needed a simpler way to ensure better protection for themselves and their tenants through renters insurance adoption, and Sure had the experience and technology to deliver,” said Ethan Lieber, co-founder and CEO of Latchel. “With Sure’s workflows and quote, rate, and bind technology, we can now provide renters with the protection they need in a single platform. It’s an exciting next step in our vision to create a comprehensive marketplace that enhances the living experience.” Latchel’s software is transforming the experience of property management with a diagnostic and triage flow that is fully customizable down to an individual unit, allowing residents to create actionable work orders and quickly rectify issues in their homes. As the business has expanded, Latchel identified a need for more data transparency, accessibility, and better renters insurance availability to create an all-encompassing experience for residents. In Sure, the Latchel team found a partner who could bring stability into renters insurance compliance while providing a solid experience for both renters and property managers.  "Latchel has been a wonderful partner to work with because they have a shared vision for streamlining the customer experience through technology,” said Wayne Slavin, co-founder and CEO of Sure. “Sure is all about unlocking the potential of digital insurance, and our partnership with Latchel is a wonderful display of us delivering on that mission. Together, we’re helping to expedite an important component of the rental experience by providing tenants seamless access to renters insurance in one unified platform to manage all of their home needs.” **###** ###### About Sure Sure is the global insurance technology leader that unlocks the potential of digital insurance. Global brands and market-leading insurance carriers from the Fortune 500 build and launch sophisticated embedded insurance products on Sure’s SaaS infrastructure to distribute, service, and scale digital insurance. Sure’s insurance expertise combined with its technology increases revenue streams and accelerates market growth while revolutionizing the customer experience. Visit [sureapp.com](https://www.sureapp.com/) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [Twitter](https://twitter.com/surehq). ###### About Latchel Latchel is a Venture Backed Proptech startup company that was founded in 2017 to help property managers streamline the maintenance operations - the most time and cost consuming aspect of the business. Latchel has since added a myriad of resident benefits and perks to its offerings that further streamline and elevate the rental experience for all parties involved. Latchel now serves over 100k units nationwide. --- # Landlord Studio expands its partnership with Sure to close protection gaps for landlords and renters > Landlord Studio expands its partnership with Sure to add digital home warranty and close protection gaps for landlords and renters. Canonical URL: https://www.sureapp.com/newsroom/press-release-landlord-studio-expands-its-partnership-with-sure-to-close-protection-gaps-for-landlords-and-renters Type: Press release Published: 2023-09-05T00:00:00.000Z ##### _Growth of partnership includes integration of Sure’s embedded home warranty solution for seamless property management_ ** LOS ANGELES, CA — September 5, 2023 —** Sure, the insurance technology leader that unlocks the potential of digital insurance, today announced that [Landlord Studio](https://www.landlordstudio.com/), a specialist rental accounting and management platform, is expanding its partnership with Sure to help close the protection gap for renters and landlords. Using Sure’s insurance infrastructure technology, Landlord Studio can now extend value-added coverage to both sides of the landlord-tenant relationship by embedding home warranty protection and renters insurance directly in the Landlord Studio platform. As a leading property management software solution, Landlord Studio is committed to providing its community of landlords with all the resources they need to better manage their properties. Maintenance-related costs can be some of the biggest expenses that property owners face, and after learning of Sure’s recent launch of its new home warranty solution, Landlord Studio became immediately interested in making it available to landlords. Using Sure, property managers and landlords can now seamlessly add home warranty protection to each of their properties through a completely embedded experience. “Through the ability to embed products directly into the landlord and tenant experiences within our platform, Sure is helping us to ease the complex process of extending must-needed protection to both parties,” said Charles Chan, CEO of Landlord Studio. “With Sure, we’ve not only been able to expand greater access to renters insurance for tenants, but grow the partnership to create additional value for landlords. It’s been exciting to evolve alongside Sure as we work together to bring more capabilities directly within one environment for our community to benefit from.”  In addition to adding home warranty protection to the suite of services available in its platform, Landlord Studio is extending the reach of its renters insurance program with Sure. While renters insurance is often required to better protect both tenants as well as landlords, the process of securing it can be time consuming and confusing. Landlord Studio is now using Sure’s APIs to embed renters insurance directly into the leasing process. Through the evolution of its partnership with Sure, Landlord Studio is removing barriers and seamlessly providing renters with the protection they need at the time they need it most.  “As Landlord Studio’s business has grown, so too have their technology needs – and Sure has been right by their side every step of the way. Because of our existing partnership, we were able to quickly and easily adapt to the changing needs of their business to create digital insurance experiences that best serve Landlord Studio’s community,” said Wayne Slavin, co-founder and CEO of Sure. “Now, the Landlord Studio team can deploy our technology to offer frictionless experiences that integrate multiple product offerings directly in the Landlord Studio platform. It’s a win-win for both sides, and I’m excited for the next evolution of our partnership.” ### ###### About Sure Sure is the global insurance technology leader that unlocks the potential of digital insurance. Global brands and market-leading insurance carriers from the Fortune 500 build and launch sophisticated embedded insurance products on Sure’s SaaS infrastructure to distribute, service, and scale digital insurance. Sure’s insurance expertise combined with its technology increases revenue streams and accelerates market growth while revolutionizing the customer experience. Visit [sureapp.com](https://www.sureapp.com/) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [Twitter](https://twitter.com/surehq). ###### About Landlord Studio [Landlord Studio](https://www.landlordstudio.com/) is a leading provider of income and expense management technology for 'DIY' landlords with between one and 20 investment properties. In business since 2014, Landlord Studio is used to manage more than 40,000+ properties across the US and UK and is growing fast thanks to its full suite of property management functionality that includes online rent payment, Xero integration, tenant screening and property maintenance. --- # Sure featured on the 2023 Inc. 5000 as one of America’s fastest-growing private companies > Sure featured on the 2023 Inc. 5000 as one of America’s fastest-growing private companies. Canonical URL: https://www.sureapp.com/newsroom/press-release-sure-featured-on-the-2023-inc-5000-as-one-of-americas-fastest-growing-private-companies Type: Press release Published: 2023-08-15T00:00:00.000Z ##### _National recognition follows period of exponential growth and transformative product innovation_ **LOS ANGELES, CA — August 15, 2023 —** Sure, the insurance technology leader that unlocks the potential of digital insurance, today announced it has been recognized on the [2023 Inc. 5000](https://www.inc.com/inc5000), an annual list of the fastest-growing private companies in America. The prestigious ranking provides a data-driven look at the most successful companies within the American economy’s most dynamic segment — its independent, entrepreneurial businesses.  “The past few years have been an exciting and transformative time for Sure. In the face of challenging economic headwinds, we’ve achieved exceptional growth in our pursuit of unlocking the potential of digital insurance,” said Wayne Slavin, co-founder and CEO of Sure. “From exciting new product launches to new partnerships with some of the most recognized carriers and brands on the planet, there is much to celebrate and even more to be excited about for what’s to come. None of this would be possible without our world-class team, and this recognition is a celebration of all their incredible work to get us here.”  The Inc. 5000 class of 2023 represents companies that have driven rapid revenue growth while navigating inflationary pressure, the rising costs of capital, and seemingly intractable hiring challenges. Among this year’s top 500 companies, the average median three-year revenue growth rate ticked up to an astonishing 2,238 percent. In all, this year’s Inc. 5000 companies have added 1,187,266 jobs to the economy over the past three years. In addition to its impressive revenue growth over the last three years, Sure recently released several innovative products to solve the complex problem of offering insurance digitally. In March of 2023, Sure launched Retrace, new technology that enables e-commerce merchants to offer customers embedded one-click insurance and protection at the point of sale. Soon after, Sure also launched its Home Warranty solution, a modern embedded home warranty protection solution for the digital age. Meanwhile, Sure has racked up numerous awards and accolades, including most recently landing on the Forbes Fintech 50 list in June. “Running a business has only gotten harder since the end of the pandemic,” says Inc. editor-in-chief Scott Omelianuk. “To make the Inc. 5000 — with the fast growth that requires — is truly an accomplishment. Inc. is thrilled to honor the companies that are building our future.” ##### Methodology Companies on the 2023 Inc. 5000 are ranked according to percentage revenue growth from 2019 to 2022. To qualify, companies must have been founded and generating revenue by March 31, 2019. They must be U.S.-based, privately held, for-profit, and independent — not subsidiaries or divisions of other companies — as of December 31, 2022. (Since then, some on the list may have gone public or been acquired.) The minimum revenue required for 2019 is $100,000; the minimum for 2022 is $2 million. As always, Inc. reserves the right to decline applicants for subjective reasons. Growth rates used to determine company rankings were calculated to four decimal places. ### ###### About Sure Sure is the global insurance technology leader that unlocks the potential of digital insurance. Global brands and market-leading insurance carriers from the Fortune 500 build and launch sophisticated embedded insurance products on Sure’s SaaS infrastructure to distribute, service, and scale digital insurance. Sure’s insurance expertise combined with its technology increases revenue streams and accelerates market growth while revolutionizing the customer experience. Visit [sureapp.com](https://www.sureapp.com/) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [Twitter](https://twitter.com/surehq). ###### About Inc. Inc. Business Media is the leading multimedia brand for entrepreneurs. Through its journalism, Inc. aims to inform, educate, and elevate the profile of our community: the risk-takers, the innovators, and the ultra-driven go-getters who are creating our future. Inc.’s award-winning work reaches more than 50 million people across a variety of channels, including events, print, digital, video, podcasts, newsletters, and social media. Its proprietary Inc. 5000 list, produced every year since 1982, analyzes company data to rank the fastest-growing privately held businesses in the United States. The recognition that comes with inclusion on this and other prestigious Inc. lists, such as Female Founders and Power Partners, gives the founders of top businesses the opportunity to engage with an exclusive community of their peers, and credibility that helps them drive sales and recruit talent. For more information, visit www.inc.com. --- # How to get embedded insurance right > Building embedded insurance programs can be challenging, but there is a right way to meet your customers’ needs. Canonical URL: https://www.sureapp.com/newsroom/how-to-get-embedded-insurance-right Type: Blog post Published: 2023-06-28T00:00:00.000Z Author: By Cassi Conrad-Lichtman, CIO The embedded insurance market has been around for decades in low-tech, elementary forms. For example, purchasing auto insurance before driving off the dealership lot or homeowners insurance prior to closing escrow. Easing unexpected financial burdens by way of embedding insurance has been around for over 100 years. What has changed is that it’s now shifted from analog to digital. Embedded insurance in the digital age is designed to seamlessly meet (and delight) the customer in their time of need with the right insurance product at the right time and with as little friction as possible. While this new digital form of embedded insurance is still in its early stages, it’s expected to grow rapidly in the coming years. According to a report by Research and Markets, the global embedded insurance market is projected to grow from $5.8B in 2020 to $7.7B by 2025 – a compound annual growth rate of 5.9%. With the rise of embedded insurance in industries such as e-commerce, travel, auto, home, and financial services, it’s clear that the potential for growth in this market is significant. As more companies look to integrate insurance into their product offerings, the embedded insurance market is sure to continue expanding and capturing substantial GWP and delivering consumers value.  When it comes to actually achieving embedded insurance, however, the path is not always straightforward. For companies looking to [enhance the customer experience](https://www.sureapp.com/post/how-beflax-linen-provides-the-best-customer-service-with-retrace), here are the best ways to provide customers protection (and keep them protected) by using embedded insurance technology. ## Meet customers in their moment of need Whether it’s an insurance provider, an e-commerce retailer, or a large brand, the products or services they’re providing to customers are, understandably, the focus. And, if they’re really thinking of the customer, they’ll likely want to make the offer of insurance relevant and the process as seamless as possible.  The best way to do this is to be one step ahead of customer needs. They must be proactive in providing them with the best possible option. That means thinking about what fits within the primary offering. If they are buying a home, they need homeowners insurance. If they are buying a car, they need auto insurance. If they are getting a loan for a small business or establishing a new business, they will need business insurance. Are they shopping on an e-commerce site? They may want the benefit of return shipping protection. With embedded insurance technology, customer data can be used to digitally display an immediate quote so that the customer won’t have to do too much work on their end to make the best decision for how they want to protect their item or purchase.  ## Make insurance frictionless and fast People want speed and convenience. According to a [recent study](https://www.hobo-web.co.uk/your-website-design-should-load-in-4-seconds/#:~:text=following%20key%20findings%3A-,47%20percent%20of%20consumers%20expect%20a%20web%20page%20to%20load,render%20before%20abandoning%20the%20site.), 40% of consumers will wait no more than three seconds for a page to render before abandoning the site. And, nearly 80% of online shoppers who experience a dissatisfying experience are less likely to purchase from that site again. The right embedded technology solutions have APIs that allow for quick, real-time answers to otherwise lengthy questions. For instance, calculating car insurance payments was once a pretty time consuming process – both in-person and online. With the agility of certain integrations, this can now be done in seconds. This level of speed caters to customers in a way that was once impossible.  Real-time calculations are key to providing online shoppers with the speed of service they want. However, not all APIs are created equal. When you add up the results of what high-performing technology can achieve, the cost of implementing the right solutions are immaterial. ## Identify the problem to solve  More often than not, insurance is a required purchase for consumers. They are mindful of where and how they’re spending their money. And, people can be pretty fickle about the brands they trust – especially if their online experience is less than stellar (see numbers above). In order to avoid losing customers, it helps to give consumers the sense that what they’re getting offered is the best option available. Aligning capabilities is key to success when [launching digital insurance products](https://www.sureapp.com/2024-report-landing-page). The goal is to keep customers engaged, and one way to avoid them looking elsewhere is to offer them exactly what they need, at the exact right time, and with information displayed so they can make a buying decision.  ## Stay in your lane to nail execution When it comes to developing a strategy for an insurance go-to-market plan, keep it simple. All parties need to do what they do best. It takes a village to launch an [embedded insurance strategy](https://www.sureapp.com/post/insurtech-1-0-vs-2-0-a-new-era-in-online-insurance). The best outcomes are achieved when all parties involved focus on their area of expertise and work together to accomplish objectives. When brands focus on customer engagement and surfacing insurance offers, and the insurance carrier stays focused on the insurance product and regulatory concerns, and the tech platform stays focused on orchestrating and enabling the insurance transaction, the desired objectives can be achieved.   Without this technology orchestration, the pain is real. The industry has seen many programs that fail to deliver. Insurance is complicated and one must not be an expert digital partner to execute on an embedded strategy that provides value and satisfaction to the entire ecosystem.  It helps to not only have an insurance expert, but also a tech platform that serves as an advisor to the overall digital strategy. With the right platform partner, it’s possible to embed insurance offerings to customers and generate massive ROI with ease. --- # Insurtech 1.0 vs. 2.0: A new era in online insurance > Learn why insurtech 2.0 is a more complete approach for building and executing digital insurance programs. Canonical URL: https://www.sureapp.com/newsroom/insurtech-1-0-vs-2-0-a-new-era-in-online-insurance Type: Blog post Published: 2023-06-21T00:00:00.000Z Author: By Wayne Slavin, CEO You hear the word “insurtech” thrown around loosely. From a bird’s eye view, insurtech seems to encompass all technology and insurance companies plus MGAs that offer insurance online related to any digital insurance capability. However, there are pretty broad aspects within the space that are vastly different from one another. In fact, there are so many meanings for insurtech that it can be a little challenging to understand.   To better explain the various forms of insurtech, it helps to break down the insurtech movement into two distinct eras: insurtech 1.0 and insurtech 2.0. This certainly doesn’t clarify each and every aspect of  the insurtech space, but it does help explain how the modernization of distribution differentiates insurtech solutions. ## Defining the insurtech 1.0 era The insurtech 1.0 era can be defined by the rise of online direct to consumer insurance providers. Companies like Lemonade, Hippo, Root, and Next are straightforward examples of companies that emerged during the insurtech 1.0 era. These upstart insurtechs understood that there was a need for a better customer experience when buying insurance, so they built it. But they also became the insurers responsible for all the underwriting, servicing, and claims. This structure complicated their success path down the line. What we are now seeing is that while the insurtech 1.0 companies had the right idea to create a [better customer experience](https://www.sureapp.com/post/how-beflax-linen-provides-the-best-customer-service-with-retrace), where they faltered is becoming insurers themselves. The reality is that being an insurer is really hard. Legacy insurers are really good at being, well, insurers. It makes better sense for them to manage the risk and do the underwriting and leave the better customer experience to technology partners that take the insurance product and run it on their systems. This is where insurtech 1.0 companies have failed in being dynamic in both areas. ## Moving from insurtech 1.0 to 2.0 As we turn the page on the insurtech 1.0 era, we’ll likely see some of the insurtech 1.0 companies become irrelevant and be replaced by insurtech 2.0 companies. Evolving from an insurtech 1.0 company will be too hard for many, especially those that are publicly traded because they have created a business model based on providing insurance. We’ll also see modern insurance platforms start to replace the legacy ‘Big 3’ technology platforms that are used by the big incumbent insurance carriers. This is how we’ll transition from the insurtech 1.0 era to the insurtech 2.0 era.  There are monolithic insurance technology providers that will not be able to keep up with newer, agile digital insurance solutions. And, there is only so long that a legacy platform can band-aid infrastructure issues. These legacy platforms are too slow and not flexible enough to deliver true modern insurance experiences that will define the insurtech 2.0 era – and ultimately the next 30 years of insurance distribution.  ## What is insurtech 2.0? Legacy insurance carriers have proven themselves, in most cases, to not be innovative with technology, so this is where insurtech 2.0 companies will step in to help meet the customer in a faster, frictionless way. Insurtech 2.0 companies are those that digitize the entire end-to-end journey of selling insurance. This includes everything from the application, rate, quote, and bind process, payments, APIs, to policy administration and claims.  Insurtech 2.0 companies enable seamless [digital insurance experiences](https://www.sureapp.com/2024-report-landing-page) – the right product, at the right time, in the right place. The goal is to revolutionize the process of delivering insurance through technology so that carriers and brands can offer the best possible experience to their customers.  ## An insurtech 2.0 company in action Sure is a prime example of how we [define the insurtech 2.0 era](https://insurance-edge.net/2023/06/20/which-tech-trends-are-shaping-the-insurance-future/). Sure’s technology gives the ability to enable an insurance transaction, management, and claim into almost any customer journey. In essence, Sure brings a centuries-old industry into the digital age to make the process of buying and managing insurance more enjoyable for consumers. Some insurtech 2.0 companies are focused on the more niche, ancillary, micro-insurance types of products. Things like pet insurance or jewelry insurance, for example – which entail an easier technological configuration. Sure, on the other hand, is unique in the sense that the majority of business comes from working to create digital experiences to purchase and manage complex insurance products. Think of homeowners insurance, business insurance, and auto insurance. Sure is squarely focused on the hard-to-configure insurance products,  yet once done, nets a radical difference for the entire value chain.  Sure’s platform handles all of the digital workflows – from policy quotes and binds, to policy administration. This includes both the frontend consumer experience as well as the backend insurance infrastructure to launch a completely digitized insurance experience. Insurtech 2.0 companies focus on what they do best – technology. As the distribution of insurance continues to innovate, so does the technology in order to create the most enhanced partnership. Companies like Sure are leading the new era in insurance by creating the ability for partners to provide customers with a seamless experience. --- # Forbes honors Sure on its 2023 Fintech 50 list > Sure’s debut on the Forbes Fintech 50 follows a year of remarkable growth and product innovation. Canonical URL: https://www.sureapp.com/newsroom/press-release-forbes-honors-sure-on-its-2023-fintech-50-list Type: Press release Published: 2023-06-06T00:00:00.000Z ##### _Sure’s debut on the Forbes Fintech 50 follows a year of remarkable growth and product innovation_ ‍ ‍**LOS ANGELES, CA — June 6, 2023 —** Sure, the insurance technology leader that unlocks the potential of digital insurance, today announced that it has been named to the [2023 Forbes Fintech 50 list](https://www.forbes.com/lists/fintech50/?sh=335e0b2c18d3). Now in its eighth year, the Fintech 50 list honors the top private companies that are transforming finance through technology.  To compile the list, Forbes reporters and editors selected fintech organizations that are making a tangible impact on consumers in innovative ways. This includes factors like regularly releasing new products, scaling more quickly than the competition, and making strategic improvements in a legacy space that is primed for disruption.  “It’s a huge honor to be recognized alongside so many impactful companies that are transforming the lives of consumers for the better,” said Wayne Slavin, co-founder and CEO of Sure. “Sure is leading the way in making insurance more accessible to consumers through modern digital experiences, and this recognition is another testament to the hard work of our team as we continue to scale and build innovative products that move insurance into the digital age.” This recognition comes after a period of steady growth for Sure and the introduction of new insurance technology innovations. In March, the company announced the launch of Retrace, its first e-commerce solution that enables online merchants to offer customers embedded one-click insurance and protection, starting first with return shipping protection and plans to add travel insurance and product warranty protection. **###** ###### About Sure Sure is the global insurance technology leader that unlocks the potential of digital insurance. Global brands and market-leading insurance carriers from the Fortune 500 build and launch sophisticated embedded insurance products on Sure’s SaaS infrastructure to distribute, service, and scale digital insurance. Sure’s insurance expertise combined with its technology increases revenue streams and accelerates market growth while revolutionizing the customer experience. Visit [sureapp.com](https://www.sureapp.com/) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [Twitter](https://twitter.com/surehq). --- # How Beflax Linen provides the best customer service with Retrace > How Beflax Linen partnered with Sure to create the best possible online user experience for their consumers. Canonical URL: https://www.sureapp.com/newsroom/how-beflax-linen-provides-the-best-customer-service-with-retrace Type: Blog post Published: 2023-05-11T00:00:00.000Z Author: By Brein Matturro, Director of Content ## The company: Luxury linens online  Beflax Linen is a natural bedding company based in Denver, CO. The owner, Katerina Rothman, was on a personal pursuit to find the best natural fiber bedding products when she started to take a deeper interest beyond her own personal interest. Her dedication became a bedding business venture about seven years ago, with a brick and mortar shop and an e-commerce site. Over the past seven years, Katerina has built a luxury brand. She is passionate about natural fibers, sleep quality, and providing the best customer service. And, she has created a product that she considers an investment that is meant to stand the test of time. “Linen has so many amazing properties – it’s breathable, it’s thermo regulating, it’s luxurious,” Katerina shares. “Let’s call Cleopatra and ask her why she chose linen. It’s the only fabric that has over 5,000 years of reviews.” ## The problem: Sorting out service Katerina spent a lot of time sourcing the right quality linen to offer customers. Linen is fairly costly compared to other fabrics, but it is also more durable. So, if you’re purchasing from [Beflax Linen](https://beflaxlinen.com), you’re making an investment in your bedding that will last you years to come. With the linen quality so high, it is a quite heavy fabric. On average, an individual sheet set could weigh six to eight pounds.  Beflax Linen sells merchandise internationally, which means shipping costs can be quite expensive. For Katerina, this is a big factor for her ROI. On top of that, return shipping costs are an additional expense that need to be factored in, no matter how well regarded a product is. Even with all the discounted rates Katerina gets as an e-commerce brand, it is still a lot of money spent on shipping. “It eats up the profit,” she says.  Katerina spent the first few years of her e-commerce business testing various methods of shipping strategies – from free return shipping to customer paid. And, with customer satisfaction being a high priority, finding the right balance in cost has been tricky. Even though returns are a rare occasion for Beflax Linen, sometimes customers want to exchange the color or size. “I want you to try linen – I want you to sleep on what's best for you. And, I want you to be happy with your choices,” Katerina says. But, being mindful of the return shipping price tag, she was having a hard time creating a cost effective return shipping strategy that worked for both Beflax Linen and her customers. Customers are investing when they purchase linens – and adding shipping cost could defer buyers.  ## The solution: Retrace for returns Katerina started using [Retrace](https://www.retrace.com/) over a year ago. Retrace offers a suite of APIs that enables online merchants to provide various forms of embedded insurance and protection for customers – including return shipping protection. At the point of purchase, consumers can opt-in to the return protection product. The objective is to bring customers the service they need at the most opportune time, ultimately providing a seamless experience while building trust with customers.  Using Retrace, Beflax Linen implemented a one-click return shipping protection option for customers to add to their cart at the point of sale. “Retrace helps me as a business owner deliver better customer service,” Katerina says. “Customers can purchase with ease and return with ease.” ## The outcome: Protected products and peace of mind Beflax Linen has found the balance in supporting customers with the most optimal return shipping options. Katerina provides high quality luxury linens and doesn’t have to worry about the potential return shipping expense for her or her customers. And, having the optional return shipping protection from Retrace has helped sales. Customers know that returning is no longer as painful as it could be.  Moreover, this signals that Beflax Linen cares about the customer experience – both in the quality of the product and in how Beflax is investing in them. [Return shipping protection](https://www.retrace.com/return-shipping) adds an optional layer of support for the customer to alleviate the stress and concerns that buyers might feel as they are spending their precious dollars. “That's where Retrace comes in handy. It gives me as a business owner peace of mind knowing that I am able to offer the best customer services without dipping into profits.” --- # Insuretech Connect LATAM: A vibrant ecosystem > Sure unveils its key digital insurance insights from Insuretech Connect LATAM. Canonical URL: https://www.sureapp.com/newsroom/insuretech-connect-latam-a-vibrant-ecosystem Type: Blog post Published: 2023-05-08T00:00:00.000Z ‍ Insuretech Connect LATAM recently took place on April 24-26 in Miami, FL. [ITC](https://vegas.insuretechconnect.com/) is a gathering of insurtech entrepreneurs, investors, and insurance industry professionals who are focused on the growing market in Latin America. Members of the insurtech industry met to network, discover new business partners, create new opportunities, learn about up and coming technologies, and be a part of the innovation in Latin America.  Given the high growth of insurtech activity in Latin America, ITC decided to create a focused ITC specifically tailored to this dynamic market. Here are a few insights I took from the conference. ## LATAM tech is expanding The entire focus of the conference was to allow foreign and domestic insurance companies and brands to find exciting technologies that can enable digital growth. Part of that growth includes exposing US companies and investors to the increasing LATAM insurtech ecosystem. Several countries were strongly represented at ITC, including Brazil, Mexico, Chile, Argentina, Ecuador, Panama, Peru, and Colombia. It was a great way for many US companies to see how vibrant the LATAM market is first hand. ## A focus on distribution at Insuretech Connect Organizations in attendance were interested in learning about technology that would allow them to maximize direct to consumer experiences. And there was lots of interest in understanding new and innovative ways to create digital sales. Many speakers discussed how to boost customer acquisition, with embedded insurance being a core part of the strategy that enables new distribution channels.  Attendees were also engrossed in learning about how to enable brokers to sell, service, and better manage their clients more effectively. Some of these markets are very reliant on the traditional broker-intermediated model, so there is ongoing interest in technology to help access the direct to consumer experience in new and efficient ways.  Banks and retailers are known for having strong distribution activity with the use of mobile applications and customer online portals. But, there were three key takeaways that resonated throughout the conference related to improving distribution capabilities. These steps are pretty straightforward, but often forgotten when trying to get to market quickly.   #### Be customer centric The focus should alway be on the customer experience in order to differentiate your business from competitors. The customer experience needs to be frictionless and easy to understand in order to maintain customer retention and grow sales.  #### Be agnostic Technology needs to be agnostic. In order to enable expansion into new markets, think of how you can create new avenues – which likely means supporting a variety of different vendors, languages, and even other products. The only way to truly do this is with a product agnostic approach. #### Be inclusive Include everyone in your conversations with all aspects of the business. To better understand the needs of the customers, it helps to talk to engineers, claims, services – not just the sales teams. Those close to the products and services are very important pillars in conversations and can have a direct impact on distribution. Insurtech in LATAM is at an exciting stage in the market. [As of 2020](https://www.mapfre.com/en/insights/innovation/insurtech-latam-2022-snapshot/#:~:text=Insurtech%20is%20often%20considered%20a,grow%20rapidly%20in%20the%20region.), the insurtech industry accounted for 40% of total investments in Latin America and continues to grow today. As the innovation in embedded insurance scales to meet customer needs, there is likely more to come in the advancement of insurtech. I’m looking forward to attending [ITC Asia](https://asia.insuretechconnect.com/) later this month and [ITC Las Vegas](https://vegas.insuretechconnect.com/) in October to keep these conversations going. --- # Sure launches modern embedded home warranty protection solution > Sure’s launches solution to enables partners to offer homeowners and landlords digital home warranty protection. Canonical URL: https://www.sureapp.com/newsroom/press-release-sure-launches-modern-embedded-home-warranty-protection-solution Type: Press release Published: 2023-04-25T00:00:00.000Z ##### _Enabling its partners to offer homeowners and landlords home warranty protection through a digital-first experience_ **LOS ANGELES, CA — April 25, 2023 —** Sure, the insurance technology leader that unlocks the potential of digital insurance, today announced the launch of Sure’s Home Warranty solution, a modern embedded home warranty protection solution for the digital age. Sure’s insurance platform and APIs power the digital insurance programs of large brands and carriers. Now, Sure is using its technology to expand its reach to enable partners to offer home warranty protection to their customers through a fully embedded experience. “With Sure’s Home Warranty solution, we are bringing a modern, technology-enabled approach to an age-old protection product,” said Wayne Slavin, co-founder and CEO of Sure.  “Like our other solutions, Sure's Home Warranty product fits seamlessly into almost any digital experience, making the process of adding home warranty protection to any property management platform or PropTech platform as simple as a few clicks of a mouse. The home warranty market is estimated to reach almost $4 billion in 2023, and we are enabling our partners to capture their share of this growing pie through our modern home warranty protection solution embedded directly into their existing digital experiences.” Using Sure’s APIs and white-label platform, Sure’s Home Warranty solution is available for distribution to individual homeowners through lenders, mortgage companies, fintechs, insurance carriers, insurance aggregators, and others. For landlords, they can seamlessly add home warranty to their rental properties through the rental management software platforms they already use to manage their rental units. Sure’s embedded Home Warranty solution is now available countrywide. ### ###### About Sure Sure is the global insurance technology leader that unlocks the potential of digital insurance. Global brands and market-leading insurance carriers from the Fortune 500 build and launch sophisticated embedded insurance products on Sure’s SaaS infrastructure to distribute, service, and scale digital insurance. Sure’s insurance expertise combined with its technology increases revenue streams and accelerates market growth while revolutionizing the customer experience. Visit [sureapp.com](https://www.sureapp.com/) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [Twitter](https://twitter.com/surehq). --- # 3 Key takeaways from Fintech Meetup > Key takeaways from Fintech Meetup 2023 and where digital insurance is going. Canonical URL: https://www.sureapp.com/newsroom/3-key-takeaways-from-fintech-meetup Type: Blog post Published: 2023-04-20T00:00:00.000Z Author: By Leonardo Cardone, Head of Strategic Partnerships Fintech Meetup, a gathering of over 3,000 people across the fintech ecosystem, took place on March 19-23 in Las Vegas. This year, the conference took place in person for the first time to facilitate connections with vendors, customers, and partners. Sure was in attendance to discuss how best to enable companies in the financial services and financial technology space to vertically integrate insurance programs and bring to market innovative embedded insurance solutions for their customer base. Here are three takeaways from [Fintech Meetup](https://fintechmeetup.com/) that we saw during our time at the conference. ## 1\. The future of fintech is bright Despite inflation and rhetoric that fintech startups should start to plan for financial distress, conversations at Fintech Meetup were positive. The conference offered opportunities for fintech speed dating, where one-to-one meetings were set up in advance. All meetings happened simultaneously and in the same room, so you could feel the affinity for financial technology for those in attendance. Overall, it was evident that the consensus is that the future of fintech is bright. Companies are focusing on maximizing profitability with strategic financial planning. The saying “growth at all costs” is being replaced with deliberate planning for more conservative burn rates. And, yet, this is where fintech will maintain its steadfast growth in the industry. Because, of course, the mere definition of fintech is supporting and enabling the banking and financial industry. Now is as good a time for financial support as any. ## 2\. Embedded finance is a hot topic Embedded finance is not just for the financial industry any longer. Non-finance brands are looking to embedded finance in order to drive user engagement. [Industries outside of fintech](https://www.sureapp.com/press/press-release-esusu-partners-with-sure-to-offer-renters-insurance-to-its-nationwide-community) are turning to embedded finance for opportunities to cross-sell and improve retention rates with new ways of getting banking, financing, and insurance needs without having to go to a bank.  In fact, Banking-as-a-Service and Insurtech were key topics in every panel discussion. Companies are focusing on software development and building white label products directly for banks and credit unions, so that their customers can continue to use the brands they love with easier access to financing.  And, banks and credit unions are seeking fintech partnerships that allow them to benefit from a better user experience. Financial institutions can leverage new capabilities from collaborating with innovative fintechs.  ## 3\. Every company will become a fintech Yes, you read that right. One of the key takeaways from Fintech Meetup is that every company will eventually be some variation of a fintech. Businesses are always seeking ways to gain stickier customer relationships. One such way is by providing a better [customer experience at the point of sale](https://www.sureapp.com/press/press-release-sure-launches-retrace-for-online-merchants-to-offer-embedded-one-click-insurance-and-protection-at-point-of-sale). Think: home insurance access while closing on a home purchase, auto insurance access during an online car buying process, or an opt-in return shipping guarantee for online retail shops.   Embedded financial services allows businesses to deepen their customer relationships by having multiple offerings inextricably linked. And, customers come back to their trusted brands knowing that they can bundle all their needs in one place. A single access point allows customers to stay connected within a platform they already trust - and, where they have an existing affinity. --- # Sure launches Retrace for online merchants to offer embedded one-click insurance and protection at point of sale > Sure launches Retrace for online merchants to offer embedded one-click insurance and protection at checkout. Canonical URL: https://www.sureapp.com/newsroom/press-release-sure-launches-retrace-for-online-merchants-to-offer-embedded-one-click-insurance-and-protection-at-point-of-sale Type: Press release Published: 2023-03-09T00:00:00.000Z ##### _Unveils first of its kind return shipping protection for shoppers as initial Retrace solution_ **LOS ANGELES, CA — March 9, 2023 —** Sure, the insurance technology leader that unlocks the potential of digital insurance, today announced the launch of [Retrace](https://www.retrace.com/), new technology that enables online merchants to offer customers embedded one-click insurance and protection. Retrace by Sure includes a suite of APIs so that online merchants can embed insurance and protection for a variety of use cases such as e-commerce returns, travel insurance, and product warranty protection at any point in the purchase flow.  Using Retrace, online merchants can expand their customer base through an enhanced customer experience that increases customer satisfaction and spurs brand evangelists. In addition, they can diversify their revenue streams while growing top-line revenue. With the launch of Retrace, Sure is introducing its first e-commerce solution, enabling online merchants to offer customers return shipping protection at the point of sale to cover the cost of returning goods. The embedded Retrace Return Shipping Protection is revolutionary new technology that reduces friction in the online shopping experience for both merchants and consumers.  “Retrace is the latest offering of Sure’s innovative technology to unlock the potential of digital insurance and protection through frictionless online customer experiences,” said Wayne Slavin, co-founder and CEO of Sure. “Our technology reaches and engages customers wherever they are on their journey, and with Retrace, we are enabling online merchants to provide customers with embedded insurance and protection tools. We’re starting with the first of its kind one-click return shipping protection but the sky’s the limit, and we have set our sights on a variety of other products spanning travel insurance to warranty protection and beyond.” ## Retrace Return Shipping Protection With Retrace’s return shipping protection, a merchant can enhance the shopping experience for customers while improving the costs of return shipping for their businesses. In doing so, online merchants can expand their customer base by meeting consumer preferences, as studies show a majority of shoppers say that a company’s return policy influences their first-time purchase decision. With customers knowing ahead of time they can return purchased items without the burden of costly returns, merchants are likely to see an increase in their average order value and a jump in customer satisfaction. “Retrace’s return shipping protection is what we’ve been lacking as a business, and frankly should be must-have technology for any e-commerce business operating in 2023,” said Katerina Rothman, Founder of Beflax Linen and an early adopter of Retrace. “It has been a game changer and a huge peace of mind both for me as a business owner where I have full control of the costs of returns as well as for our customers who can now confidently make purchases knowing there are no hidden costs to return items. For me as a business owner, I’m able to protect my bottom line while creating an even better customer experience.” Additional Retrace solutions coming soon include travel insurance and warranty protection, both of which will unlock new revenue embedded insurance and protection opportunities for online merchants while giving customers peace of mind to confidently make purchases online. **###** ###### About Sure Sure is the global insurance technology leader that unlocks the potential of digital insurance. Global brands and market-leading insurance carriers from the Fortune 500 build and launch sophisticated embedded insurance products on Sure’s SaaS infrastructure to distribute, service, and scale digital insurance. Sure’s insurance expertise combined with its technology increases revenue streams and accelerates market growth while revolutionizing the customer experience. Visit [sureapp.com](https://www.sureapp.com/) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [Twitter](https://twitter.com/surehq). --- # Esusu partners with Sure to offer renters insurance to its nationwide community > Esusu now offers digital renters insurance in its Renters Marketplace, using Sure’s technology to provide better financial outcomes for the Esusu community. Canonical URL: https://www.sureapp.com/newsroom/press-release-esusu-partners-with-sure-to-offer-renters-insurance-to-its-nationwide-community Type: Press release Published: 2023-03-02T00:00:00.000Z ##### _Sure now offers renters insurance through the Esusu Renters Marketplace, using its technology to provide better financial outcomes for the Esusu community_ ** LOS ANGELES, CA — March 2, 2023 —** Sure, the insurance technology leader that unlocks the potential of digital insurance, today announced it has partnered with [Esusu](https://esusurent.com/), the leading financial technology company leveraging rent reporting for credit building, to offer renters insurance through the [Esusu Renters Marketplace](https://esusurent.com/esusu-marketplace/). Esusu reports on-time rent payments to the three major credit bureaus (Equifax, Transunion, and Experian) to establish and boost credit scores for residents and is now using Sure’s digital insurance infrastructure to provide renters insurance to the millions of Americans shut out of the financial system. Through the partnership, Sure is deploying its technology to help empower better financial outcomes for the underserved communities Esusu supports. “Esusu is the epitome of a mission-driven company, helping those that are underserved in the financial system build financial stability through opportunities they wouldn’t otherwise have,” said Wayne Slavin, co-founder and CEO of Sure. “Using Sure’s embedded insurance APIs, Esusu is now able to seamlessly add renters insurance to its suite of services available to underserved communities who want to achieve financial wellness. We are proud to support Esusu’s mission and excited to see how many lives we can touch through our partnership.” The Esusu Renters Marketplace was purpose-built to unlock the resources that make renting easier with a hand-picked list of services and programs focused on financial support and well-being. Collaborating with Sure, Esusu can now offer renters a frictionless, end-to-end digital experience for renters insurance through Sure as they work to achieve a stronger financial future. “We are excited to partner with Sure and bring a differentiated amenity to our communities,” said Wemimo Abbey and Samir Goel, Co-Founders and Co-CEOs of Esusu. “Sure understands the win-win-win proposition that positively impacts renters’ lives, improves asset performance, and contributes to society at large through spurring economic mobility. Working with Sure, Esusu is able to provide holistic financial resources that complement our existing platform to drive credit and wealth building. By integrating Sure into Esusu’s Renters Marketplace, we take a significant step forward towards  providing a one-stop-shop for resident financial health.’’  ### ###### About Sure Sure is the global insurance technology leader that unlocks the potential of digital insurance. Global brands and market-leading insurance carriers from the Fortune 500 build and launch sophisticated embedded insurance products on Sure’s SaaS infrastructure to distribute, service, and scale digital insurance. Sure’s insurance expertise combined with its technology increases revenue streams and accelerates market growth while revolutionizing the customer experience. Visit [sureapp.com](https://www.sureapp.com/) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [Twitter](https://twitter.com/surehq). ###### About Esusu Esusu is the leading financial technology platform that leverages data solutions to empower residents and improve property performance. Esusu's rent reporting platform captures rental payment data and reports it to credit bureaus to boost credit scores. This allows renters to build and establish their credit scores while helping property owners mitigate against initiating evictions, powered by differentiated data and insights. Founded in 2018, Esusu reaches over 3 million rental units across all 50 states in the United States. Learn more at [www.esusurent.com](https://www.esusurent.com) and follow us on Instagram @myesusu and on Twitter @getesusu. --- # Built In honors Sure in its esteemed 2023 Best Places to Work Awards > Sure earns a spot on Built In’s Best Places to work remote companies list. Canonical URL: https://www.sureapp.com/newsroom/press-release-built-in-honors-sure-in-its-esteemed-2023-best-places-to-work-awards Type: Press release Published: 2023-01-11T00:00:00.000Z ##### _Sure honored for investments in building a world-class fully remote company without borders_ **LOS ANGELES, CA — January 11, 2023 —** Sure, the global insurance technology leader, today announced it has again been honored by Built In in its 2023 Best Places to Work Awards. Sure earned a place on the 100 Best Fully Remote Companies list. The annual awards program includes companies of all sizes and stages, from startups to the enterprise, and honors both remote-first companies as well as those in large tech markets across the U.S. “It’s an honor to again be recognized by Built In as one of the best fully remote companies to work for,” said Wayne Slavin, co-founder and CEO of Sure. “Since day one, Sure has been a remote-first company, and this recognition is testament to our commitment and dedication to building a team united by mission regardless of location. Sure exists to unlock the potential of digital insurance and will always be a great place to work for anyone who is dedicated to achieving that mission.” Built In determines the winners of Best Places to Work based on an algorithm, using company data about compensation and benefits. To reflect the benefits candidates are searching for more frequently on Built In, the program also weighs criteria like remote and flexible work opportunities, programs for DEI and other people-first cultural offerings.   “It’s my honor to congratulate this year’s Best Places to Work winners,” says Sheridan Orr, Chief Marketing Officer, Built In. “These exemplary companies understand their people are their most valuable asset, and they’ve stepped up to meet the modern professional’s new expectations, including the desire to work for companies that deliver purpose, growth and inclusion. These winners set the stage for a human-centered future of work, and we can’t wait to see that future unfold.”   ##### About Built In Built In is creating the largest platform for technology professionals globally. Monthly, millions of the industry’s most in-demand professionals visit the site from across the world. They rely on our platform to stay ahead of tech trends and news, learn skills to accelerate their careers and find opportunities at companies whose values they share. Built In also serves 2,000 customers, innovative companies ranging from startups to those in the Fortune 500. By putting their stories in front of our uniquely engaged audience, we help them hire otherwise hard-to-reach tech professionals. www.builtin.com ##### About Built In’s Best Places to Work Built In’s esteemed Best Places to Work Awards, now in its fifth year, honor companies across numerous categories: 100 Best Places to Work, 50 Best Startup Places to Work, 100 Best Midsize Places to Work, 100 Best Large Places to Work and Editor’s Choice: 100 Best Hybrid Places to Work. The program honors companies – remote, hybrid and in-office – with the best total rewards packages across the U.S. and in the following tech hubs: Atlanta, Austin, Boston, Chicago, Colorado, Dallas, Houston, Los Angeles, Miami, New York, San Diego, San Francisco, Seattle and Washington DC.  ### ###### About Sure Sure is an insurance technology company that unlocks the potential of insurance on the internet. Global brands and world-renowned carriers build sophisticated embedded insurance products on the company's SaaS infrastructure to distribute, service, and scale digital insurance. Its platform enables accelerated market growth and increased revenue streams while delivering unparalleled customer experiences. Founded in 2015, the company is headquartered in Santa Monica, California with offices around the globe. Visit [sureapp.com](https://www.sureapp.com/) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [Twitter](https://twitter.com/surehq). --- # PorchPals selects Sure to launch first of its kind subscription package theft insurance > PorchPals selects Sure to launch first of its kind subscription package theft insurance. Canonical URL: https://www.sureapp.com/newsroom/porchpals-selects-sure-to-launch-first-of-its-kind-subscription-package-theft-insurance Type: Press release Published: 2022-11-28T00:00:00.000Z ##### _Sure delivers frictionless digital embedded insurance experience for PorchPals members_  ** LOS ANGELES, CA — November 28, 2022 —** Sure, the global insurance technology leader, today announced a new partnership with [PorchPals](https://www.porchpals.com/), a just launched platform that provides affordable porch piracy package insurance for deliveries to your door. PorchCare, PorchPal’s new subscription package theft insurance built on Sure’s embedded insurance infrastructure, is debuting today in California with plans for PorchPals and Sure to launch PorchCare nationally in 2023. “Sure is proud to have partnered with PorchPals to build PorchCare as a fully embedded insurance product. We are providing PorchPals members the type of digital experience they expect this day in age, but don’t normally receive when purchasing insurance,” said Wayne Slavin, co-founder and CEO of Sure. “PorchCare serves as the latest example of Sure combining its unmatched insurance expertise with its world-class technology capabilities to build and launch digital insurance products from scratch. We’re excited to partner with PorchPals to bring this product to market in California with more states on the horizon.” After aligning the carrier resources to bring package theft insurance to life, PorchPals co-founders, serial entrepreneur James Moore and current NFL defensive back Adoree’ Jackson, selected Sure as their partner to build PorchCare from the ground up using Sure’s digital insurance infrastructure. From start to finish, Sure and PorchPals worked together to launch a fully embedded insurance product on the PorchPals platform powered by Sure’s market-leading SaaS infrastructure.  “After our first meeting with the Sure team, it was clear we had found the best partner to bring PorchCare from idea to reality,” said PorchPals co-founder James Moore. “Sure’s technology and know-how to bring digital insurance products to market is unmatched, and when you combine that with their deep insurance expertise, there is no better partner to launch an embedded insurance product at speed and scale.” Through its new PorchCare subscription package theft insurance enabled in partnership with Sure, PorchPals is solving an important and growing need in the market. Ecommerce is expanding at a rapid clip, with over 165 billion packages and counting delivered each year in the U.S. At the same time, the need to protect online purchases from theft at the front door is growing. In the last year alone, approximately 210 million packages totalling $5.4 billion in value were stolen from porches in the U.S. alone. Consumers can now minimize the fear and risk of being a victim of porch theft using PorchPal’s new delivery protection insurance powered by Sure.  **###** ###### About Sure Sure is an insurance technology company that unlocks the potential of insurance on the internet. Global brands and world-renowned carriers build sophisticated embedded insurance products on the company's SaaS infrastructure to distribute, service, and scale digital insurance. Its platform enables accelerated market growth and increased revenue streams while delivering unparalleled customer experiences. Founded in 2015, the company is headquartered in Santa Monica, California with offices around the globe. Visit [sureapp.com](https://www.sureapp.com/) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [Twitter](https://twitter.com/surehq). ###### About PorchPals While on vacation, at the office, or running errands – PorchPals has got you covered while you live your life. For more information, visit us at [www.porchpals.com](https://www.porchpals.com) --- # Sure recognized among the fastest-growing technology companies in North America on the 2022 Deloitte Technology Fast 500™ > Sure ranked among fastest-growing companies in North America on the 2022 Deloitte Technology Fast 500™. Canonical URL: https://www.sureapp.com/newsroom/press-release-sure-recognized-among-the-fastest-growing-technology-companies-in-north-america-on-the-2022-deloitte-technology-fast-500-tm Type: Press release Published: 2022-11-16T00:00:00.000Z ##### _Attributes 2,268% revenue growth to its market-leading digital insurance infrastructure and the speed to market it unlocks for customers_ **LOS ANGELES, CA — November 16, 2022 —** Sure, the global insurance technology leader, today announced it ranked number 76 on the [Deloitte Technology Fast 500](https://www.deloitte.com/)™, a ranking of the 500 fastest-growing technology, media, telecommunications, life sciences, fintech, and energy tech companies in North America, now in its 28th year. Sure grew 2,268% during this period. Since closing its $100 million Series C funding round in October 2021, Sure has undergone a period of rapid growth, delivering never before seen digital insurance experiences for global brands and carriers who value speed to market. Through its market-leading SaaS infrastructure, Sure is providing the world with fully embedded digital insurance experiences that are attracting the attention of globally recognized companies that want to partner and then expand with Sure. “Sure’s growth over the last two years is unlike anything I’ve experienced, a testament to all the hard work of our team who are helping to unlock the full potential of digital insurance,” said Wayne Slavin, co-founder and CEO of Sure. “World renowned carriers and brands come to us because they know that no other company can offer best-in-class technology paired with unmatched insurance expertise to build modern digital insurance experiences. I’m grateful for the recognition but even more grateful for both our team and our customers who made this possible.”  “As the past year has shown us, innovation in important areas such as life sciences is critical to addressing infectious disease and other global health issues,” said [Paul Silverglate](https://www2.deloitte.com/us/en/profiles/psilverglate.html), vice chair, Deloitte LLP and U.S. technology sector leader. “In addition, technology must keep pace with ever-changing consumer and corporate demands for faster, safer and more efficient solutions to new societal challenges. Each year I am in awe of the immense talent the Technology Fast 500 rankings reveal, confirming the winners’ relentless pursuit of creativity and their ability to solve real-world problems that benefit us all.” “This year’s Technology Fast 500 list is a true reflection of some of today’s most determined and inspiring pioneers who have prospered by anticipating what’s next, understanding what’s needed to succeed and driving creativity forward,” said [Christie Simons](https://www2.deloitte.com/us/en/profiles/christie-simons.html), partner, Deloitte & Touche LLP and industry leader for technology, media and telecommunications within Deloitte’s audit and assurance practice. “Representing all facets of technology, the winners have shown they not only have the vision but can also expertly manage their companies through rapid growth. We congratulate each winner on their impressive achievements.”  Now in its 28th year, the Deloitte Technology Fast 500 provides a ranking of the fastest-growing technology, media, telecommunications, life sciences, fintech, and energy tech companies — both public and private — in North America. Technology Fast 500 award winners are selected based on percentage fiscal year revenue growth from 2018 to 2021. In order to be eligible for Technology Fast 500 recognition, companies must own proprietary intellectual property or technology that is sold to customers in products that contribute to a majority of the company’s operating revenues. Companies must have base-year operating revenues of at least US$50,000, and current-year operating revenues of at least US$5 million. Additionally, companies must be in business for a minimum of four years and be headquartered within North America. ### ###### About Sure Sure is an insurance technology company that unlocks the potential of insurance on the internet. Global brands and world-renowned carriers build sophisticated embedded insurance products on the company's SaaS infrastructure to distribute, service, and scale digital insurance. Its platform enables accelerated market growth and increased revenue streams while delivering unparalleled customer experiences. Founded in 2015, the company is headquartered in Santa Monica, California with offices around the globe. Visit [sureapp.com](https://www.sureapp.com/) and follow us on [LinkedIn](https://www.linkedin.com/company/sure-insurance) and [Twitter](https://twitter.com/surehq). ###### About Deloitte Deloitte refers to one or more of Deloitte Touche Tohmatsu Limited, a UK private company limited by guarantee (“DTTL”), its network of member firms, and their related entities. DTTL and each of its member firms are legally separate and independent entities. DTTL (also referred to as “Deloitte Global”) does not provide services to clients. In the United States, Deloitte refers to one or more of the US member firms of DTTL, their related entities that operate using the “Deloitte” name in the United States and their respective affiliates. Certain services may not be available to attest clients under the rules and regulations of public accounting. Please see [www.deloitte.com/about](https://www.deloitte.com/us/en/about.html) to learn more about our global network of member firms. --- # Sure appoints Vic Russo as Chief Financial Officer > Sure appoints Vic Russo as Chief Financial Officer. Canonical URL: https://www.sureapp.com/newsroom/sure-appoints-vic-russo-as-chief-financial-officer Type: Press release Published: 2022-10-20T00:00:00.000Z ##### ‍_Russo brings extensive finance experience at public and private technology companies to support Sure’s next phase of growth_ ** LOS ANGELES, CA — October 18, 2022 —** Sure, the global insurance technology leader, today announced the appointment of Vic Russo as Chief Financial Officer (CFO). Russo is now the third C-level appointment for Sure in less than eight months and the first CFO in the history of the company. He will be responsible for overseeing all aspects of Sure’s finance and accounting operations in support of the company’s next phase of growth. “Vic is joining at a really exciting time for the company as we lean in to claim our rightful spot as the undisputed leader of the digital insurance movement,” said Wayne Slavin, co-founder and CEO of Sure. “We live in a digital world and consumers now expect seamless digital experiences at every step of the buying process, including how and when they buy insurance whether embedded with a  brand or direct from the carrier. I’m excited to have Vic on the team to help us bring the insurance industry into the digital era and capitalize on the over $70 billion market opportunity for embedded insurance.” Russo joins Sure at a pivotal moment for the company as it turns the page from a year of remarkable growth and sets its sights on accelerated expansion to configure and deploy digital insurance offerings for brands and carriers around the world. In October of 2021, Sure raised its $100 million series C funding round led by Declaration Partners and Kinnevik. With the new funding, Sure has invested heavily in growing its team and global reach. Further, through innovations in Sure’s products and capabilities, the company has more than doubled revenue in the last year by expanding with existing clients as well as forging new partnerships with marque brands and carriers. “The market opportunity for embedded insurance combined with Sure’s world-class technology and impressive client roster made it a no-brainer to join the company,” said Russo. “Momentum and demand for embedded insurance infrastructure is palaple, and Sure is uniquely positioned as the preferred partner for global brands and carriers to bring new insurance products to market faster than ever before. I’m excited to join Sure’s leadership team to help accelerate the company’s growth and seize the leadership mantle of this emerging category.” Russo brings with him over 20 years of experience as a finance executive at private and public technology companies where he has led corporate and M&A strategy and built cross-functional operating procedures and corporate governance programs for high-growth companies. Prior to joining Sure, Russo held the CFO role at two other SaaS companies, New York-based Reachdesk and Electric AI. During his career, he has served in key integration roles of major M&A transactions, including the $3.1 billion sale of DoubleClick to Google and Buddy Media’s $745 million sale to Salesforce.com. Russo is a CPA and earned his Bachelor of Science degree in Business and Economics from Lehigh University, graduating with honors. **###** ###### About Sure Sure is an insurance technology company that unlocks the potential of insurance on the internet. Global brands and world-renowned carriers build sophisticated embedded insurance products on the company's SaaS infrastructure to distribute, service, and scale digital insurance. Its platform enables accelerated market growth and increased revenue streams while delivering unparalleled customer experiences. Founded in 2015, the company is headquartered in Santa Monica, California with offices around the globe. --- # Sure CEO Wayne Slavin named a 2022 Top 50 Financial Technology CEO by The Financial Technology Report > Sure CEO Wayne Slavin has been recognized as a 2022 Top 50 Financial Technology CEO by The Financial Technology Report. Canonical URL: https://www.sureapp.com/newsroom/press-release-sure-ceo-wayne-slavin-named-a-2022-top-50-financial-technology-ceo-by-the-financial-technology-report Type: Press release Published: 2022-03-23T00:00:00.000Z **LOS ANGELES, CA — March 23, 2022 —** Sure, a global insurance technology leader, is pleased to announce CEO Wayne Slavin has been recognized as a 2022 Top 50 FinancialTechnology CEO by The Financial Technology Report. This year’s awardees represent some of the most accomplished and innovative leaders across the sector. These executives and their companies are changing the way technology enhances and automates the delivery of financial services including lending, personal finance, equity financing, consumer banking, and other areas. From a collection of impressive nominees, Slavin was selected for his proven ability to lead others, expertise, and impact on the ever-changing insurance industry. “Wayne is incredibly deserving of this prestigious recognition,” says Sure CTO Yarden Sachs. “Wayne founded Sure with the intention of unlocking the potential of insurance on the internet by introducing modern, innovative technology. Since then, he has led our team through incredible growth, making Sure the leader in embedded insurance infrastructure. Wayne is a true industry visionary, never willing to settle for the status quo. His expertise, combined with a leadership style that prioritizes integrity and empathy is a key factor to our ongoing success.” Slavin is a seasoned entrepreneur who stays at the forefront of innovation by creating technologies that shift the customer experience for industries relying on legacy tech stacks. In 2021, he led Sure into its next phase of growth, securing $100 million in Series C funding. Under his leadership, the company was recently ranked the 13th fastest-growing technology company in North America by Deloitte Technology Fast 500. Sure has also been named to multiple insurtech 100 lists and has been recognized with countless best place to work awards. The full report is available at [https://www.thefinancialtechnologyreport.com](https://thefinancialtechnologyreport.com/the-top-50-financial-technology-ceos-of-2022/).  **###** ###### About Sure Sure is an insurance technology company that unlocks the potential of insurance on the internet. Global brands and world-renowned carriers build sophisticated embedded insurance products on the company's SaaS infrastructure to distribute, service, and scale digital insurance. Its platform enables accelerated market growth and increased revenue streams while delivering unparalleled customer experiences. Founded in 2015, the company is headquartered in Santa Monica, California with offices around the globe. --- # Built In honors Sure in its esteemed 2022 Best Places to Work Awards for third consecutive year > Sure has been recognized by Built In’s 2022 Best Places to Work Awards for the third consecutive year. Canonical URL: https://www.sureapp.com/newsroom/press-release-built-in-honors-sure-in-its-esteemed-2022-best-places-to-work-awards-for-third-consecutive-year Type: Press release Published: 2022-01-18T00:00:00.000Z ##### _Sure is named on Built In List of 100 Best Remote-First Companies to Work For_ ** LOS ANGELES, CA — January 18, 2022 —** Sure, an insurance technology company, has been recognized by Built In’s 2022 Best Places to Work Awards for the third consecutive year. Sure earned a place on the 100 Best Remote-First Companies list. The annual awards program includes companies of all sizes, from startups to those in the enterprise, and honors both remote-first employers as well as companies in the eight largest tech markets across the U.S. “Being recognized among the 100 Best Remote Companies to Work For is a direct result of our team’s dedication to culture,” says Sure Co-Founder and CEO Wayne Slavin. “We’ve built a community without borders where we are driven toward a unified mission and our focus on quality encompasses everything from building best-in-class products to maintaining the integrity of our culture. Our team has thrived on discipline, dedication, and authenticity to ensure that distance never stands in the way of progress. That’s what makes Sure a best place to work.” Built In determines the winners of Best Places to Work based on an algorithm, using company data about compensation, benefits and companywide programming. To reflect the benefits candidates are searching for more frequently on Built In, the program also weighs criteria like remote and flexible work opportunities, programs for DEI and other people-first cultural offerings.  “It is my honor to extend congratulations to the 2022 Best Places to Work winners,” says Sheridan Orr, Chief Marketing Officer, Built In. “This year saw a record number of entrants — and the past two years fundamentally changed what tech professionals want from work. These honorees have risen to the challenge, evolving to deliver employee experiences that provide the meaning and purpose today’s tech professionals seek.” ##### ABOUT BUILT IN Built In is creating the largest platform for technology professionals globally. Monthly, more than three million of the industry’s most in-demand professionals visit the site from across the world. They rely on our platform to stay ahead of tech trends and news, develop their careers and find opportunities at companies whose values they share. Built In also serves 1,800 innovative companies of all sizes, ranging from startups to the Fortune 100. By putting their stories in front of our uniquely engaged audience, we help them hire otherwise hard-to-reach tech professionals, locally, nationally or remotely. [www.builtin.com](https://www.builtin.com)  ##### ABOUT BUILT IN’S BEST PLACES TO WORK Built In’s esteemed Best Places to Work Awards, now in its fourth year, honor companies across numerous categories: 100 Best Places to Work, 50 Best Small Places to Work, 100 Best Midsize Places to Work, 50 Companies with the Best Benefits and 50 Best Paying Companies, 100 Best Large Companies to Work For, and 100 Best Remote-First Places to Work. ### ###### About Sure Sure is an insurance technology company that unlocks the potential of insurance on the internet. Global brands and world-renowned carriers build sophisticated embedded insurance products on the company's SaaS infrastructure to distribute, service, and scale digital insurance. Its platform enables accelerated market growth and increased revenue streams while delivering unparalleled customer experiences. Founded in 2015, the company is headquartered in Santa Monica, California with offices around the globe. --- # Sure ranked number 13 fastest-growing company in North America on the 2021 Deloitte Technology Fast 500™ > Sure ranked among fastest-growing companies in North America on the 2021 Deloitte Technology Fast 500™. Canonical URL: https://www.sureapp.com/newsroom/sure-ranked-number-13-fastest-growing-company-in-north-america-on-the-2021-deloitte-technology-fast-500 Type: Press release Published: 2021-11-17T00:00:00.000Z ##### _Attributes 15,232% revenue growth to industry leading SaaS infrastructure, fastest speed to market, and the ability to offer fully embedded digital experiences for insurance customers_ ** LOS ANGELES, CA — November 17, 2021** **—** Sure today announced it ranked number 13 on the Deloitte Technology Fast 500™, a ranking of the 500 fastest-growing technology, media, telecommunications, life sciences, fintech, and energy tech companies in North America, now in its 27th year. Sure grew 15,232% during this period. Sure’s co-founder and chief executive officer, Wayne Slavin, credits industry leading SaaS infrastructure, fastest speed to market, and the ability to offer fully embedded digital experiences for insurance customers with the company’s 15,232% revenue growth. He said,"Earning this prestigious award on the heels of our $100 million Series C announcement has made this a landmark year for Sure. It highlights the tremendous value Sure’s embedded insurance infrastructure brings to world-renowned brands and insurance carriers by launching first-of-their-kind digital insurance programs designed to meet the needs of modern customers. The tireless efforts of our team to unlock the potential of insurance on the internet have once again paid off and we thank Deloitte for recognizing the hard work that made our extraordinary growth possible." “Each year the Technology Fast 500 shines alight on leading innovators in technology and this year is no exception,” said Paul Silverglate, vice chair, Deloitte LLP and U.S. technology sector leader. “In the face of innumerable challenges resulting from the pandemic, the best and brightest were able to pivot, reinvent and transform and grow. We celebrate the winning organizations and especially the talented employees driving their success.” “The pandemic has underscored the urgent need for tech solutions in a variety of areas across health care, fintech, energy tech, entertainment, to name a few, so reliance on innovators like the winners of the Technology Fast 500 is more important than ever,” said Christie Simons, partner, Deloitte & Touche LLP and industry leader for technology, media and telecommunications within Deloitte’s audit & assurance practice. “These companies are not only at the cutting edge, transforming the way we do business, but most importantly, recognize the strategic importance of ongoing innovation, especially in the ever-changing world of technology.” ##### About the 2021 DeloitteTechnology Fast 500™ Now in its 27th year, the Deloitte Technology Fast 500 provides a ranking of the fastest-growing technology, media, telecommunications, life sciences, fintech, and energy tech companies — both public and private — in North America. Technology Fast 500 award winners are selected based on percentage fiscal year revenue growth from 2017 to 2020. In order to be eligible for Technology Fast 500 recognition, companies must own proprietary intellectual property or technology that is sold to customers in products that contribute to a majority of the company’s operating revenues. Companies must have base-year operating revenues of at least US$50,000, and current-year operating revenues of at least US$5 million. Additionally, companies must be in business for a minimum of four years and be headquartered within North America. ### ###### About Sure Sure is the leading insurtech behind the world’s most recognized brands and carriers. Its enterprise SaaS infrastructure and embedded insurance programs drive the insurance industry forward to reach its full potential in an online era. Sure customers leverage its cohesive system of APIs to streamline the end-to-end insurance lifecycle resulting in better customer experiences supported by efficient digital operations.   Founded in 2015, the company is headquartered in Santa Monica, California with offices around the globe. ###### About Deloitte Deloitte refers to one or more of Deloitte Touche Tohmatsu Limited, a UK private company limited by guarantee (“DTTL”), its network of member firms, and their related entities. DTTL and each of its member firms are legally separate and independent entities. DTTL (also referred to as “Deloitte Global”) does not provide services to clients. In the United States, Deloitte refers to one or more of the US member firms of DTTL, their related entities that operate using the “Deloitte” name in the United States and their respective affiliates. Certain services may not be available to attest clients under the rules and regulations of public accounting. Please see www.deloitte.com/about to learn more about our global network of member firms. --- # Sure named to InsurTech 100 for second consecutive year, recognized for transforming the global insurance industry > Sure has been named to the 2021 InsurTech 100 for its innovative use of technology to power embedded insurance programs. Canonical URL: https://www.sureapp.com/newsroom/sure-named-to-insurtech-100-for-second-consecutive-year Type: Press release Published: 2021-10-26T00:00:00.000Z ##### _2021 finalists stand out among more than 1,400 companies considered for inclusion byFinTech Global_ ** LOS ANGELES, CA — October 26, 2021** **—** Sure, the leading insurtech behind the world’s most recognized brands and carriers, has been named to the 2021 InsurTech 100 for its innovative use of technology to power embedded insurance programs and improve the customer experience across the insurance value chain. This is the second consecutive year that Sure has earned a spot on the list. Produced annually by FinTech Global, InsurTech 100 finalists are selected by a panel of analysts and industry experts. The list is the go-to resource for insurers looking to evaluate the latest digital insurance technologies and identify those most likely to have a lasting impact on the industry. This year, only seven percent of companies evaluated made the top 100. FinTech Global Director Richard Sachar says, “Consumers and businesses increasingly expect insurance coverage to be offered via a range of digital and offline channels, and insurers that fail to keep up with the latest technologies and innovation will be less competitive and lose market share over time.” Sachar continues, “The InsurTech 100 list helps senior decision-makers in the industry filter through all the vendors in the market by highlighting the leading companies in sectors such as underwriting, pricing, IoT devices, distribution and data and analytics.” “Earning recognition as a top 100 industry leader two years in a row is a real triumph,” says Sure Co-Founder and CEO Wayne Slavin. “Embedded insurance programs built on Sure’s infrastructure are leading the industry into a new wave of enhanced customer experiences. These frictionless experiences do more than just sell insurance — they strengthen the consumer’s confidence in the brands and carriers offering that insurance. We take great pride knowing the products built on Sure are the foundation for the customer-centric future of insurance.” Since its inclusion in the InsurTech 100 last year, Sure has undergone rapid expansion while launching first-of-their-kind insurance products for customers including Betterment, Carvana, and Farmers Insurance, in addition to several leading automotive manufacturers and a top global credit card network. The complete list of the InsurTech 100 companies can be found at [TheInsurTech100.com](https://fintech.global/insurtech100/).   ### ###### About Sure Sure is the leading insurtech behind the world's most recognized brands and carriers. It's enterprise SaaS infrastructure and embedded insurance programs drive the insurance industry forward to reach its full potential in an online era. Sure customers leverage its cohesive system of APIs to streamline the end-to-end insurance lifecycle resulting in better customer experiences supported by efficient digital operations. Founded in 2015, the company is headquartered in Santa Monica, California with offices around the globe. Visit sureapp.com for more information. --- # Sure Closes $100M Series C Round Led by Declaration Partners and Kinnevik to Expand and Accelerate Embedded Insurance Programs > Sure closes $100M Series C round led by Declaration Partners and Kinnevik to expand and accelerate embedded insurance programs. Canonical URL: https://www.sureapp.com/newsroom/press-release-sure-closes-100m-series-c-round-led-by-declaration-partners-and-kinnevik-to-expand-and-accelerate-embedded-insurance-programs Type: Press release Published: 2021-10-05T00:00:00.000Z ##### _Farmers Insurance, Chubb, Intuit, Betterment, Carvana, several automotive manufacturers and a leading global credit card network offer insurance programs built on Sure's infrastructure_ **LOS ANGELES, CA — October 5, 2021 —** Sure, a global insurance technology company, announced today the closing of $100M in Series C funding led by Declaration Partners and Kinnevik with additional participation from WndrCo, FTAC Ventures, Expanding Capital, and existing investors W. R. Berkley Corporation and Menlo Ventures. This growth round will accelerate Sure's global expansion, expedite new product launches, and streamline embedded insurance customer experiences. In the last 12 months, Sure has more than doubled its revenue and the size of its team. During this time of rapid growth, the company has configured end-to-end embedded insurance infrastructure for world-renowned brands and insurance carriers. Its cohesive ecosystem of APIs enable faster speed to market and minimize the enormous cost and complexity associated with new insurance product launches. As a result, customers with infrastructure built on Sure such as Farmers Insurance, Chubb, Intuit, Betterment, and Carvana are able to focus on delivering core products and seamless digital experiences that provide real value to consumers. Sure has also made a mark on the industry by launching first-of-its-kind insurance programs for several automotive manufacturers and a leading global credit card network. "We are pleased to partner with Sure CEO Wayne Slavin, a visionary leader, and his team," says Brian Stern, a Partner at Declaration Partners. "Sure enables companies to embed insurance into their customer journey and powers the digital offerings of insurers, in both cases creating seamless, convenient, and personalized insurance experiences. This transformational technology reveals a massive global market opportunity, and this new funding will help Sure capitalize on it." "Through our extensive experience of investing in consumer brands we have seen first-hand what tremendous value embedded finance can bring to both brands and their customers," says Ola Nordbye from Kinnevik. "Sure is emerging as the leading enabler for insurance companies and global brands to build the next generation of products together, and among their customers you already find our portfolio companies. We love how Sure removes the complexities of digital insurance software, allowing their clients to focus on what they do best." Wayne Slavin, Sure's co-founder and CEO, says, "This round will fuel our expansion, enabling us to help the insurance industry reach its full potential in an online era. Insurance, much like financial services, desperately needs modernized technology to meet the 'right here, right now' mentality of the modern customer. As carriers continue to prioritize digital transformation and brands expand financial services to include insurance, Sure is the proven platform to power insurance programs for the world's largest companies." Slavin continues, "We're thrilled to work with the teams at Declaration Partners and Kinnevik as we expand internationally and grow our team and services." To learn more about Sure, please visit [sureapp.com](https://c212.net/c/link/?t=0&l=en&o=3312922-1&h=2390795595&u=https%3A%2F%2Fwww.sureapp.com%2F&a=sureapp.com). **###** ###### About Sure Sure is an insurance technology company that unlocks the potential of insurance on the internet. Global brands and world-renowned carriers build sophisticated embedded insurance products on the company's SaaS infrastructure to distribute, service, and scale digital insurance. Its platform enables accelerated market growth and increased revenue streams while delivering unparalleled customer experiences. Founded in 2015, the company is headquartered in Santa Monica, California with offices around the globe. ###### About Declaration Partners Declaration Partners is a private investment firm that seeks to be a value-added capital partner and strategic resource to management teams and asset owners where patient, flexible capital provides an advantage. Declaration has over $1.7 billion in assets under management across its investment strategies, which include growth equity, real estate, platform company investments, fund seeding, and other opportunistic strategies. Anchored by the family office of private equity veteran and philanthropist David M. Rubenstein, Declaration invests on behalf of family offices and like-minded institutional investors. The firm was founded in 2017 and is headquartered in New York with an office in the Washington, DC area. ###### About Kinnevik Kinnevik's ambition is to be Europe's leading listed growth investor, and we back the best digital companies for a reimagined everyday and to deliver significant returns. We understand complex and fast-changing consumer behaviours, and have a strong and expanding portfolio in healthtech, consumer services, foodtech and fintech. As a long-term investor, we strongly believe that investing in sustainable business models and diverse teams will bring the greatest returns for shareholders. We back our companies at every stage of their journey and invest in Europe, with a focus on the Nordics, and in the US. Kinnevik was founded in 1936 by the Stenbeck, Klingspor and von Horn families. Kinnevik's shares are listed on Nasdaq Stockholm's list for large cap companies under the ticker codes KINV A and KINV B. Financial Technology Partners ("FT Partners") served as exclusive advisor to Sure in this transaction. --- # Sure and Common join forces to create a scalable embedded insurance experience for residents > Sure and Common partner to enable residents to purchase digital renters insurance at the time of lease signing within Common's existing platform. Canonical URL: https://www.sureapp.com/newsroom/press-release-sure-and-common-join-forces-to-create-a-scalable-embedded-insurance-experience-for-residents Type: Press release Published: 2021-05-26T00:00:00.000Z ##### _Industry leaders announce exclusive renters insurance partnership that enables tenants to sign their lease and purchase a renters policy in the same workflow_ ** LOS ANGELES, CA — May 26, 2021 —** Sure, an insurance technology company, today announced an exclusive partnership with [Common](https://c212.net/c/link/?t=0&l=en&o=3175324-1&h=3078327941&u=https%3A%2F%2Fwww.common.com%2F&a=Common), the leading residential brand that designs and manages multifamily apartments. The partnership marks a significant milestone in the evolution of customer-friendly digital experiences by enabling Common residents across the US to purchase renters insurance at the time of lease signing within Common's existing platform. Prior to this exclusive partnership, Common worked with multiple insurance partners, including Sure, to enable customers to purchase renters insurance in 10+ cities like New York, Chicago, and Los Angeles. Common has more than doubled in the last year; with 5,500 residents currently under management and an additional 20,000 units under development, finding a single partner capable of facilitating all of their needs in a seamless tenant onboarding experience became essential. Sure, a licensed insurance agency in all U.S. states and the District of Columbia, provides renters policies backed by leading insurance carriers in all 50 states and a renters insurance API that enables Common to streamline the purchase process for tenants — making Sure the ideal partner. "Our mission at Common is to make city living easier for the renter and providing a seamless rental insurance experience is an essential part of this," says Common VP of Operations Eric Rodriguez. "We're excited to announce our exclusive partnership with Sure and offer all Common residents one simple solution for their insurance needs." By making renters insurance available at the time of lease signing, Common and Sure are simplifying the rental process for tenants, enabling them to choose coverage limits that meet their needs as customers while also ensuring the coverage adheres to Common's insurance requirements. Since integrating with Sure's renters insurance API, 67% of new Common tenants choose to purchase renters insurance during onboarding, proving the value of a one-stop-shop user experience. "This partnership matches customer-centric workflows with best-in-class insurance products to make it easier than ever for Common tenants to purchase renters insurance," says Sure Co-founder and CEO Wayne Slavin. "Building atop Sure's flexible API technology enables Common to deliver solutions that add real value to the customer experience while ensuring tenant compliance with insurance requirements." To view a video of the tenant experience in Common's platform and download a case study detailing this partnership and the value it brings to tenants, visit [https://info.sureapp.com/renters-insurance-built-on-sure](https://c212.net/c/link/?t=0&l=en&o=3175324-1&h=1501369177&u=https%3A%2F%2Finfo.sureapp.com%2Frenters-insurance-built-on-sure&a=https%3A%2F%2Finfo.sureapp.com%2Frenters-insurance-built-on-sure). **###** ###### About Sure Sure, an insurance technology company, powers digital insurance programs for the world's most recognized brands and carriers. Its enterprise SaaS infrastructure and cohesive ecosystem of APIs enable new insurance program launches and modernization in one place. The Sure Platform accelerates digital transformation and embedded insurance distribution resulting in the industry's most innovative insurance programs. Founded in 2015, the company is headquartered in Santa Monica, California. ###### About Common Common is the leading residential brand and operating platform that designs, leases, and manages multifamily properties that appeal to today's renters. Through smart design and tech-enabled property management, Common delivers exceptional experiences across ten cities and over 5,500 members in coliving, microunit, and traditional apartments. They are the preferred choice for both residents looking for a stress-free and all-inclusive living environment from a trusted brand, and for real estate owners seeking reliable, above-market returns. The Common platform also includes workforce housing management brand Noah and family-first urban designer and operator Kin.  With over 20,000 units signed and under development and over $110 million in venture capital investment, Common is expanding into 22 cities across the world. To work with us, visit our [partners page](https://c212.net/c/link/?t=0&l=en&o=3175324-1&h=3712884598&u=https%3A%2F%2Fwww.common.com%2Freal-estate-partners%2F&a=partners+page) or follow us on Instagram at [@common.living](https://c212.net/c/link/?t=0&l=en&o=3175324-1&h=2189701065&u=https%3A%2F%2Fwww.instagram.com%2Fcommon.living%2F%3Fhl%3Den&a=%40common.living). Content and associated insurance products are provided by Sure HIIS Insurance Services, LLC ("Sure"), a licensed seller of insurance. Products and services may not be available in all US states. The above does not in any way constitute an endorsement or referral by Common of Sure's products or services. --- # 5 Ways to ensure a smooth remote onboarding > Here are five key things that are critical for a smooth remote onboarding experience. Canonical URL: https://www.sureapp.com/newsroom/5-ways-to-ensure-a-smooth-remote-onboarding Type: Blog post Published: 2021-05-07T00:00:00.000Z Author: By Allison Stewart, Head of Recruiting at Sure You’ve conquered the obstacles of the remote hiring process and found the perfect candidate. They’ve happily accepted the position with your company and are ready to start contributing immediately. A well thought out plan — executed properly — will make all the difference fostering new employee productivity and their integration into your company culture without ever stepping foot in a shared office space.  Here are five things that are critical for a smooth onboarding experience of remote team members. ## 1\. Be prepared for day one long before day one A smooth remote onboarding requires stakeholders across multiple departments to be in the know and ready to take action at any given moment. From shipping the right IT equipment and providing relevant software access, to ensuring the completion of benefits paperwork and onboarding training, the list of team members involved to get one new hire setup for success can be quite extensive. We have a remote hire checklist that works wonders for us, but it’s not just any checklist - it’s the ultimate checklist. Not just because of what’s on it, but because of the respect we give it to ensure onboarding tasks are completed correctly and in a timely manner. We leverage a work management platform to bring our checklist to life, share updates in real time, and automate processes wherever possible. This ensures priorities are set, dependencies are addressed in the correct order, and deadlines are met within the required timeframe. If a step is missed, we know exactly where it went off course and can correct so that on day one, our new hires have everything they need to be successful. ## 2\. Provide a comprehensive remote onboarding guide One of the most common mistakes made during remote onboarding is failing to provide all necessary information - that includes the things that you, as a seasoned company employee - think of as common knowledge. Don’t forget to put yourself in a remote employee’s shoes. New hires come from every experience level and there’s no guarantee that the last company they worked for used the same equipment, shared the same values, or had access to the same software as your company. Take full advantage of setup wizards and widgets, but also have the information needed to sign into their computer and communication channels readily available. We abide by the motto, “don’t make assumptions.” This applies to everything from logging into a laptop for the first time to new hire projects that warm up our newest edition to the suite of tools and applications used by our team. While specifics for each company are different, Sure provides an overview of what to expect each day of the first week of employment. Here’s a taste of what we include in our guide: **Computer setup -** This includes everything from first login to Two-Factor Authentication, and more. **Registration for the tax and payroll system** \- Make sure the registration processes for taxes and payroll is documented and shared. **Email and calendar setup** - Don’t forget to provide instructions on how to correctly add the company-approved email signature. **Links to company information stored in our internal wiki including the employee handbook** \- Provide your new hire with the resources they'll need for all company information and employee expectations. **Onboarding and information security trainings** \- Document and share all the security info that any new hire will need to follow and complete as they get onboarded. **Insurance 101 course** - We highly recommend a baseline training specific to your industry. Getting everyone on the same page from the get-go is incredibly valuable. **Communication channel setup** - At Sure, we use [Slack](https://slack.com/) to communicate with team members throughout the work day. It’s also a tremendous resource for remote culture building (you’ll see more details related to this in the next tip). Because we’re remote, we have a backup ready to go in case our primary tools are down. We provide login information for each of the tools on day one so no one is left in the dark. **Video conferencing** - Like many companies, we use Zoom day-in and day-out. We provide Zoom conferencing info, directions on how to reserve our internal and external Zoom rooms, and clearly state that using your camera is expected for all team members. New hires can rest easy knowing what’s expected and not left wondering what the protocol is for communicating virtually. **Work hours** - Be sure to publish work hours for all central office locations. For example, our West Coast team members typically work between 8:30am to 5pm PT. To allow for a greater amount of overlap, our East Coast teams work from 9:30am to 6pm ET. We also accommodate for international time zones to foster as much collaboration as possible. ## 3\. Culture building communication I can’t stress the importance of ongoing communication enough in a remote workforce. It’s so easy for everyone to put their heads down, finish the items on their task list, and close their computer without interacting with their teammates on a social level. We put a lot of effort into [hiring the best-of-the-best](https://www.sureapp.com/post/5-ways-to-successfully-source-and-hire-top-talent-remotely) — not only in skill level, but also by hiring individuals whose values align with ours. We hire people who are motivated by creating and building collaboratively and who voice their opinions non-judgmentally and without ego. We believe people do their best work when they are fulfilled as humans. That requires a sense of belonging and camaraderie — something that is hard to achieve as a new remote hire. At Sure, we use Slack channels to communicate around shared interests, local happenings, and more. Our team has created channels to celebrate their love of dogs, plants, tv, books, cooking, restaurants, and more unique interests, like [Settlers of Catan](https://www.catan.com/). New employees are brought into the mix on day one when they are introduced to the entire company via Slack. They answer a few fun questions and a flurry of welcome messages come in with recommendations on which Slack channels to follow. We also hold monthly coffee chats — Zoom meetings where a group of individuals are randomly selected to get together. Conversation captains lead the discussion so there’s no awkward silence and employees can interact with those they may not work with every day. These chats are also a great way for new remote employees to learn more about their fellow co-workers, and the tone and personality of the company itself. ## 4\. A single source of truth There’s nothing more frustrating to a new employee than feeling like they are on a treasure hunt for information. Having a single — and shared — source of truth is critical to new employee productivity and satisfaction. I mentioned our internal wiki previously. This is where we house everything from internal team documentation to brand guidelines to holiday schedules. Everyone in the company knows from day one to check the wiki and the information is likely to be there. ## 5\. Prioritize inclusion Working remotely has become commonplace for many organizations. This makes it more important than ever to instill valuable habits that make inclusion a daily practice — beginning on day one. Working from home has made us all more vulnerable. Every day, our teammates enter our home on video. They may see what our kitchen or living room looks like, they may hear our children playing (or crying), they may witness the dog pooping on the floor in the background. Things that were once easily compartmentalized — work life vs. home life — are now one. This past year has brought a great sense of awareness to employees throughout the organization. We’ve all experienced ups and downs and it’s opened our eyes to just how important it is to be there for one another. We do our best to invest in the well-being and fair treatment of one another as a standard enabling employees to contribute their best thinking. We may be far in physical distance from our peers, but we do our very best to remain close in mind. While the hiring process may be your first impression, the remote onboarding process provides a lasting impression. It sets the tone for the first 90 days and beyond. By giving it the attention it deserves, your new hires will be set up for success, not feel like the train left the station without them. Visit Sure's [Careers page](https://www.sureapp.com/company/careers) to view current job openings. --- # 5 Ways to successfully source and hire top talent remotely > Learn five strategies for sourcing and hiring remote top talent. Canonical URL: https://www.sureapp.com/newsroom/5-ways-to-successfully-source-and-hire-top-talent-remotely Type: Blog post Published: 2021-04-23T00:00:00.000Z Author: By Allison Stewart, Head of Recruiting at Sure We can all look back on the last 12 months and agree that, well, it’s certainly been _a year._ From a glass-half-full perspective, the challenges we’ve faced, and continue to face, have given way to tremendous learning opportunities enabling us to be the best version of our recruiting selves.  At a time where nothing was normal, Sure’s recruiting team was moving faster than ever. Since March 2020, our company has doubled in size. Stop and think about that for a moment - half of our team has never met their fellow employees in person or shared the same space - and we’re still going. It isn’t always easy, yet we continue to find new ways to ensure we make a lasting impression from our first conversation through [remote onboarding](https://www.sureapp.com/post/5-ways-to-ensure-a-smooth-remote-onboarding) and beyond.  I believe that knowledge is meant to be shared, so over the next few weeks, we’ll publish a series of articles that touch on what’s worked for us throughout the talent acquisition process, new hire onboarding, and building a culture of inclusion for our remote team.  Let’s get started with our tips for how to hire top talent remotely.**‍** ## 1\. Apply your company’s best attributes to your recruiting process Think about what your company does to enhance the lives of its customers and its customers’ customers. At Sure, we modernize existing core systems bringing them into the digital era and improve efficiency throughout the insurance lifecycle. When the world went fully digital, we were ready. We leveraged every digital asset available to increase efficiency in the remote hiring process. With the influx of layoffs and furloughs over the last year, companies that were hiring found ways to share information on candidates and open positions. Entire websites were dedicated to sharing the details and contact information for recently laid off employees, Google Sheets were sent around where we could list the roles Sure was hiring for, and Slack channels were created to bring recruiters together. Seemingly overnight, talent acquisition sources went from LinkedIn to a variety of digital mediums.**‍** ## 2\. Find new ways to build trust — and do it early **‍**In-person connections are an important part of the hiring process for the candidate and the hiring team. It’s often the last step to ensure you’ve found the right fit. When meeting face-to-face isn’t possible, new strategies must be embraced to mitigate the risk of making the wrong decision. At Sure, we bring the team to you. For example, we embrace the flexibility of remote interviews and can be more accommodating to the candidate’s schedule. If evening hours on the East Coast best suit your interview needs, we will schedule you with relevant team members still working on the West Coast. We’ve found that flexibility quickly establishes mutual respect between the candidate and the hiring company. In addition, we give you a taste of the day-to-day experience of working at Sure during the interview process. Candidates complete a deliverable independently, then meet with a group of Sure employees to share their work and discuss. This gives candidates the opportunity to meet with more team members and experience life at Sure firsthand. ## 3\. The tools you need are available — use them Application tracking systems, professional social networks, internal wikis, and online conferencing systems are all tools readily available to incorporate into your recruiting process. Many of these tools were used prior to the growing popularity of remote work, however, now they are essential. Many of us used to hold post-interview chats with the interviewing team in common areas around the office. However, without an office, vigilant note taking becomes increasingly necessary. Our best resources have been those that integrate with one another. For example, we use Lever to manage applications and interviewer feedback. The ability to integrate this software directly with Zoom streamlines scheduling interviews and sending reminders to add candidate feedback easier than ever. There’s never been a better time to take a deep dive into software and social mediums to explore the features you never knew existed. Data is more powerful than ever and enables users to leverage scorecards that quantify hard skills and helps eliminate bias. Social mediums such as LinkedIn have continued to develop as well by updating search functionalities and enabling hiring banners to be hiring notifications to be enabled on profiles. ## 4\. Conduct inclusive candidate searches by expanding locations Talent searches no longer have to start and end with location. Hiring remote employees enables you to look for qualified candidates without limits. We’ve found that searching near popular industry hubs is still a good idea as engineers and tech experts tend to be easier to find, however, we don’t let that limit us. A huge benefit to putting less emphasis on location is the ability to be more inclusive and find candidates from underrepresented racial and ethnic backgrounds and lesser-populated geographies. Sure sponsored and attended a [HackerX](https://hackerx.org/) Diversity in Technology career event focused on connecting talent in the BIPOC and LGBTQIA communities with new job opportunities. It was a breath of fresh air to be able to speak with these candidates and evaluate fit based solely on their experience without having to worry if commute times would be too long for them to consider. ## 5\. The same red-flags apply on Zoom interviews as in-person **‍**The convenience of hopping on a video interview from your home office, kitchen, or couch may cut down on commute time, but it doesn’t replace the need for professionalism. Even if you have a virtual background on, both the interviewer and the candidate are inviting the other into their home. While that can make for a more relaxed setting, that doesn’t mean standard courtesies go out the window. We recommend the following for both parties: - Dress professionally, even in the areas you can’t see on screen. - Avoid eating until after your interview is over. - Be honest about working hours. If you’re a US-based candidate that’s working in another country, be upfront about your reliability and the time zone you will be working in short- and long-term. If you’re hiring, be clear on the expectations for remote employee working hours. In short, don’t do anything you wouldn’t do in an in-person interview on video. Visit Sure's [Career page](https://www.sureapp.com/careers) to check out current job openings. --- # Defragmenting the insurance customer experience in 2021 > Creating a positive customer experience in insurance is a solid way to create customer retention. Canonical URL: https://www.sureapp.com/newsroom/defragmenting-the-insurance-customer-experience-in-2021 Type: Blog post Published: 2021-03-16T00:00:00.000Z There are a lot of moving pieces in insurance — distribution, policy administration, claims management, customer communications, agent relations — we could go on. What’s more is that each of these components has its own set of complexities. With so many variables to consider, providing a customer experience that builds loyalty and trust now, and in the future, can be difficult.  Customer experience consulting firm, [Walker Information, Inc](https://www.walkerinfo.com/)., has conducted numerous studies on how to better serve the needs of both B2B and B2C customers. In fact, the study _Customers 2020_ conducted in 2013, was designed specifically to gather and report on information that could be used by forward-thinking companies with insights to plan for the future.  Despite having no knowledge that the COVID-19 pandemic would bring in-person commerce to a halt in 2020, the study participants identified how businesses could prepare for, and meet, the customer expectations in that exact scenario.  _Customers 2020_ revealed three core customer expectations — personalization, ease, and speed. Which begs the question, if this information was readily available in 2013, why were so many insurance carriers unprepared to meet customer needs digitally in 2020? Ask any insurtech and the answer is simple, incumbents have long-dreaded change. So much so that an entirely new industry was created to give them the support and nudge they needed to defragment the customer experience and create a cohesive customer journey.  Here are three principles from the study that insurtechs regularly apply to deliver on personalization, ease, and speed for insurance customers: ## 1\. Forget silos, focus on the entire customer journey Putting the customer experience first requires a fundamental shift from single interactions to a comprehensive focus on the entire customer journey. Many insurtechs are designed to streamline every phase of the insurance lifecycle from distribution to claims. The misstep many incumbents have taken is to digitize just one or two elements within the journey leading to customer confusion and poor customer experiences.  There are insurtechs capable of getting you up and running in a matter of weeks, not years, with a fully digital insurance product. Take advantage of their strengths — combined with yours — to provide a seamless customer journey that feels personalized to each individual. ## 2\. Create customer-centric experiences Leverage technology to streamline the customer experience and make a lasting impression. Gone are the days of a customer having to pick up the phone or wait 30 seconds for a quote. [Modern insurance infrastructure](https://insurance.sureapp.com/) drops quote times down to milliseconds while increasing accuracy. Leverage first- and third-party data to provide your customers with the convenience of pre-filled applications that simplify buying insurance into a frictionless, personalized customer experience.  ## 3\. Change quickly, and be good at it Customer demands are constantly evolving. If you can’t meet these demands, your competitors will. Avoid customer churn by staying up-to-date with the [latest customer purchasing trends](https://www.sureapp.com/post/consumers-are-the-most-disruptive-force-in-the-insurance-industry) — know what, when, how, and why they purchase insurance. Proactively improve your insurance application flows to match your customers’ expectations and deliver a delightful experience.[‍](https://sureapp.com/contact) [Contact us](https://www.sureapp.com/contact) to learn more about Sure and how we can digitally transform the customer journey for your insurance company. --- # RentSpree partners with Sure to launch renters insurance > Sure and RentSpree partner to offer digital renters insurance and enable full transparency between tenants and landlords. Canonical URL: https://www.sureapp.com/newsroom/rentspree-partners-with-sure-to-launch-renters-insurance Type: Press release Published: 2021-02-18T00:00:00.000Z ##### _The new partnership streamlines the process of purchasing renters insurance and enables full transparency between tenants and landlords_ ** LOS ANGELES, CA — February 18, 2021 —** RentSpree, the leading tenant screening company, today announced its partnership with Sure, an insurance technology company. Beginning February 16, Sure will offer renters insurance to users directly on the RentSpree platform, with coverage backed by an authorized insurance company. In addition to the value it provides renters, the platform also facilitates high-efficiency workflows for property owners. It enables landlords to notify users of insurance requirements, track the status of tenant policies, and view critical policy details. "Many owners and agents require renters insurance in their lease agreements due to the protection it provides to both parties," says Michael Lucarelli, CEO of RentSpree. "We're thrilled to be partnering with Sure so owners can be certain that tenants are able to meet these requirements with ease." "Sure and RentSpree are reshaping the renter's experience with insurance," says Wayne Slavin, Co-founder and CEO of Sure. "Embedding insurance with our APIs into existing workflows for renter screening and management enables a smooth customer experience for both renters and property owners to seamlessly secure their assets." Coverage is available for damages to personal property, bodily injury or damage to someone else's property, other personal property damage as a result of water backup of sewers or drains, and damages resulting from identity fraud. Additionally, in the event the property becomes unlivable, costs relating to housing and increased living expenses may also be covered. When tenants have this coverage, they are significantly less likely to seek compensation from property owners in the event of a loss. Renters insurance is an inexpensive way to protect both property owners and tenants against things that are outside their control and is available for users as of February 16, 2021. More information about renters insurance on RentSpree: [rentspree.com/renters-insurance/](https://c212.net/c/link/?t=0&l=en&o=3071868-1&h=3975894494&u=http%3A%2F%2Frentspree.com%2Frenters-insurance%2F&a=rentspree.com%2Frenters-insurance%2F) **###** ###### About RentSpree RentSpree provides award-winning software known in all 50 states for its universal tenant screening process, renter management, partnership program, and rental screening API that enables any platform to incorporate an automated screening process in as little as one week. ###### About Sure Sure, an insurance technology company, powers digital insurance programs for the world's most recognized brands and carriers. Its enterprise SaaS Platform and APIs accelerate digital transformation and embedded insurance distribution without the need for additional IT resources. Sure streamlines all aspects of digital insurance sales and service with features designed for each phase of the insurance lifecycle. Founded in 2014, the company has customers around the globe and is headquartered in Santa Monica, California. To learn more about Sure, visit sureapp.com. Content and associated insurance products are provided by Sure HIIS Insurance Services, LLC ("Sure"), a licensed seller of insurance. Products and services may not be available in all US states. The above does not in any way constitute an endorsement or referral by RentSpree of Sure's products or services. --- # How fintechs are tapping insurtechs to bundle services > Analyze the growing number of partnerships between fintechs and insurtechs. Canonical URL: https://www.sureapp.com/newsroom/how-fintechs-are-tapping-insurtechs-to-bundle-services Type: Blog post Published: 2021-01-26T00:00:00.000Z Using CB Insights’ Business Relationships data, we map out and analyze the growing number of partnerships between fintech and insurtech companies. ![Companies that bundle](https://kgerf2ausmlyevfj.public.blob.vercel-storage.com/674f2e4c944cb169f348b029_60107f5654fa61493201c560_CBInsights_Fintech-insurtech-BR-12626.png) _Companies that bundle_ A growing number of consumer-facing fintech startups — facing increased scrutiny stemming from high valuations and profitability concerns — are looking to expand their core businesses by “rebundling” a range of financial services products into their offerings. One way they are doing this is through partnerships with insurtech companies.   The value proposition can be appealing to both parties. [Fintech companies can leverage insurtech partnerships](https://www.sureapp.com/press/press-release-sure-ceo-wayne-slavin-named-a-2022-top-50-financial-technology-ceo-by-the-financial-technology-report) to increase revenue and provide additional value to their customers. For insurtech companies, these partnerships can provide a large and engaged user base into which they can sell. Even the biggest insurtech companies tend to have far fewer customers than their fintech counterparts. Renters insurance provider [Lemonade](https://app.cbinsights.com/profiles/c/mpZg8), for instance, has about 900K customers compared to [Chime](https://app.cbinsights.com/profiles/c/mv5PP)‘s 10M banking customers. [Read the full report here.](https://www.cbinsights.com/research/insurtech-fintech-business-relationships/) --- # Sure earns its place on multiple Built In Best Places To Work Award Lists for the Second Consecutive Year > Sure has been recognized by Built In’s 2021 Best Places to Work Awards for the second consecutive year. Canonical URL: https://www.sureapp.com/newsroom/sure-earns-its-place-on-multiple-built-in-best-places-to-work-award-lists-for-the-second-consecutive-year Type: Press release Published: 2021-01-11T00:00:00.000Z ##### _Sure is named on Built In Lists for Best Places to Work, Best Small Companies to Work For, and Best Paying Companies in Los Angeles_ **LOS ANGELES, CA — January 11, 2021 —** Sure, an insurance technology company, has been recognized by [Built In’s 2021 Best Places to Work Awards](https://www.builtinla.com/companies/best-places-to-work-los_angeles-2021) for the second consecutive year. The annual awards include companies of all sizes in the United States’ eight largest tech markets. Sure earned a place on several lists, ranking in the top percentile in every category placement. - Sure ranked 41 on the 100 Best Places to Work in LA list - Sure ranked 7 on the 50 Best Small Companies to Work For in LA list - Sure ranked 24 on the 50 Best Paying Companies in LA list “Being recognized as one of Built In’s Best Places to Work is an extraordinary accomplishment for everyone at Sure, and even more so given the special circumstances endured in 2020,” says Wayne Slavin, Co-founder and CEO at Sure.“We have been fortunate to not only grow our team by more than 30% during the COVID-19 pandemic, but also maintain our commitment to an inclusive culture driven by passion, innovation, collaboration, action, and authenticity. Built In’s recognition is a celebration of not only what we do, but how we do it.” Built In determines winners for Best Places to Work based on an algorithm that considers company data about compensation, benefits, and cultural programs. To reflect the attributes candidates are searching for on Built In today, this year’s program weighted criteria more heavily, like remote opportunities and programs for diversity, equity, and inclusion. “These companies raise the bar for cultural excellence and the ability to adapt to meet changing needs of employees," says Sheridan Orr, Chief Marketing Officer at Built In. “The 2021 winners show a commitment not just to creating meaningful cultures but to delivering talent needs as they change in a dynamic landscape. We’re thrilled to extend our congratulations to the winners.”   Tech professionals rely on Built In’s Best Places to Work lists to discover employers that align with their preferences, passions and values. Since its inception three years ago, the award has expanded in reach, from online views of tens of thousands to just under one million views today. Sure is one of the fastest-growing insurtech companies in the industry. Its enterprise SaaS Platform unites core insurance technologies in a single platform to centralize critical business data and operations. Global consumer brands and insurance carriers use Sure's Platform, APIs, rating engine, policy administration, claims, and agent tools to create industry-leading embedded digital insurance experiences. ##### About Built In **‍**Built In, a revolution in tech recruitment, serves more than 1,800 innovative companies of all sizes, from startups to the enterprise, delivering content and digital recruitment solutions that work. The platform amplifies companies' brands as national, local or remote employers of choice, as well as leaders in DEI. Monthly, 2.5 million tech professionals rely on Built In to stay up on trends, grow in their roles and discover companies with missions they want to join. The platform publishes stories about companies' tech, culture and people. This activates sought-after professionals to apply to customers' open roles. [https://www.builtin.com](https://c212.net/c/link/?t=0&l=en&o=3032446-1&h=2863996853&u=http%3A%2F%2Fwww.builtin.com%2F&a=https%3A%2F%2Fwww.builtin.com) ##### About Built In's Best Places to Work Built In's esteemed Best Places to Work awards, now in its third year, honor companies across numerous categories: 100 Best Places to Work, 50 Best Small Places to Work, 100 Best Midsize Places to Work, 50 Companies with the Best Benefits and 50 Best Paying Companies. Two new national categories reflect what candidates are searching for, including 100 Best Large Companies to Work For and 50 Best Remote-First Places to Work. ##### Best Places to Work: Methodology Built In ranks companies algorithmically based on compensation information, benefits and culture programs. This year, based on data showing tech professionals' needs, the Best Places to Work algorithm added weight to companies' commitment to DEI and remote culture. Rank is determined by combining a company's score in each of these categories. [Click here to see the full list of Best Places to Work on Built In LA.](https://www.builtinla.com/companies/best-places-to-work-los_angeles-2021) [Click here to see the full list of Best Small Companies to Work For in LA.](https://www.builtinla.com/companies/best-small-places-to-work-los_angeles-2021) [Click here to see the full list of Best Paying Companies on Built In LA.](https://www.builtinla.com/companies/best-paying-companies-los_angeles-2021) ### ###### About Sure Sure, an insurance technology company, powers digital insurance programs for the world's most recognized brands and carriers. Its enterprise SaaS Platform and APIs accelerate digital transformation and embedded insurance distribution without the need for additional IT resources. Sure streamlines all aspects of digital insurance sales and service with features designed for each phase of the insurance lifecycle. Founded in 2014, the company has customers around the globe and is headquartered in Santa Monica, California. Learn more at [sureapp.com](https://c212.net/c/link/?t=0&l=en&o=3032446-1&h=386274868&u=https%3A%2F%2Fwww.sureapp.com%2F&a=sureapp.com). --- # Sure named to InsurTech100 > Sure has been named to the 2020 InsurTech 100 for its innovative use of technology to power embedded insurance programs. Canonical URL: https://www.sureapp.com/newsroom/press-release-sure-named-to-insurtech-100 Type: Press release Published: 2020-11-12T00:00:00.000Z ##### _Sure Recognized as a TopTech Company Transforming the Global Insurance Industry  2020 finalists stand out among more than 1,200 companies considered for inclusion on the list_  **LOS ANGELES, CA — November 12, 2020 —** Sure, an insurance technology company, has been named to the 2020 InsurTech100 in recognition of its innovative use of technology to power embedded insurance programs and improve the customer experience across the insurance value chain. Produced annually by [FinTech Global](https://member.fintech.global/), InsurTech100 companies are selected by a panel of analysts and industry experts. The list helps insurers evaluate the latest digital insurance technology and identify those most likely to have a lasting impact on the industry.  FinTech Global director Richard Sachar said, “Established insurance companies need to be aware of the latest innovation in the market in order to remain competitive post Covid-19 which is heavily focused on digital distribution and increased use of customer data.” He added, “The InsurTech 100 list helps senior management filter through all the vendors in the market by highlighting the leading companies in sectors such as underwriting, pricing, IoT devices, customer experience and data & analytics.” “We are delighted to be recognized among the world’s most innovative technology providers for digital insurance,” said Sure co-founder and CEO Wayne Slavin.“Inclusion in the InsurTech100 is a true testament to the innovation behind the Sure Platform. We spend each and every day working to improve all aspects of insurance by leveraging the power of our technology to break down barriers to innovation, overcome digital transformation challenges, and usher in the next phase of insurance.” Sure is one of the fastest-growing insurtech companies in the industry. Its enterprise SaaSP latform unites all core insurance technologies in a single platform including  distribution, policy administration, claims management, agent tools, rating engine, and APIs.   The complete list of the InsurTech 100 can be found at [TheInsurTech100.com](https://fintech.global/insurtech100/).   ###  ###### About Sure Sure, an insurance technology company, powers digital insurance programs for the world’s most recognized brands and carriers. Its enterprise SaaS Platform and APIs accelerate digital transformation and embedded insurance distribution without the need for additional IT resources. Sure streamlines all aspects of digital insurance sales and service with features designed for each phase of the insurance lifecycle. Founded in 2014, the company has customers around the globe and is headquartered in Santa Monica,California. Learn more at [sureapp.com.](https://www.sureapp.com/) --- # Sure named to InsurTech100 > Sure is recognized in the InsurTech100 2020 list as a technology company transforming the global insurance industry. Canonical URL: https://www.sureapp.com/newsroom/sure-named-to-insurtech100-recognizing-its-contributions-to-transforming-the-global-insurance-industry Type: Blog post Published: 2020-11-04T00:00:00.000Z Sure has been recognized in the third annual [InsurTech100](https://fintech.global/insurtech100/) list as a technology company transforming the global insurance industry. Specialist research firm FinTech Global evaluated the candidates noting inclusion on this year's list was more competitive than ever. The resulting InsurTech100 list recognizes finalists for their innovative use of technology to solve a significant industry problem and/or to generate cost savings or efficiency improvements across the insurance value chain. FinTech Global director Richard Sachar said, “Established insurance companies need to be aware of the latest innovation in the market in order to remain competitive in the market post Covid-19 which is heavily focused on digital distribution and increased use of customer data." A full list of the InsurTech100 can be found at [www.TheInsurTech100.com](http://www.theinsurtech100.com/). [Download more detailed information about the companies here](https://info.sureapp.com/hubfs/InsurTech100_Summary_2020.pdf). --- # InsureTech Connect 2020 Global round-up | Part II > Learn about the key takeaways from InsureTech Connect 2020. Canonical URL: https://www.sureapp.com/newsroom/insuretech-connect-2020-global-round-up-part-ii Type: Blog post Published: 2020-10-30T00:00:00.000Z ## A collection of thoughts from ITC Global 2020 fireside chats ‍_‍_Completing our coverage of [ITC Global 2020](https://insuretechconnect.com/), I’m going to share a few trends and notable points I picked up during a variety of fireside chats. Overall, there is a great optimism shared across the industry as we forge new ground with technology solutions designed specifically for insurance. The outlook for partnerships between incumbents and insurtechs is at its peak as current times demand the facilitation of digital distribution and servicing of insurance products. And brands aren’t slowing down in their pursuit of point-of-sale insurance offerings. Upon compiling the insights gathered from the chats, I quickly noticed a common theme — in one way or another, success is undoubtedly tied to an insurers ability to meet customer needs using technology. Here is my interpretation of the key takeaways: #### Remote workforces require advanced technology to facilitate meaningful customer interactions. **‍**This came as no surprise as I’ve experienced the rapid pace of technology adoption by insurance carriers and the boom in partnerships between carriers and insurtech first hand. Those that started their digital transformation ahead of the COVID-19 pandemic have an edge over the carriers that didn’t. This next year will be the true test for insurers as those that are unable to adapt quickly will undoubtedly lose market share. #### Customers demand digital insurance. **‍**As mentioned in my previous post, customer-centricity isn’t a nice-to-have aspiration, it’s a must-have mentality. Carriers that struggle to engage with large customer groups often lack the convenient distribution channels and servicing solutions that appeal to a wider market. This is what makes insurtechs so valuable to carriers. They have the tools to scale in the areas where carrier legacy systems fail and the insurance expertise to offer brands entering the market. #### Don’t be afraid to do a little digging. **‍**There’s no better way to understand your customer than to ask them what they need directly. Both B2B and B2C Brands entering the insurance space aren’t shying away from doing their research to ensure they come to market with solutions that outperform existing offerings. And they don’t stop there. Companies like [Intuit](https://www.intuit.com/) are leveraging data they already have to cut down the number of questions they ask each customer with the goal of offering a one-click-buy insurance experience — something carriers can learn from. #### Be an insurance expert. **‍**Insurance is complicated. Whether you’re an incumbent that’s been in the industry for decades, a brand breaking new ground, or an insurtech breathing new life into an antiquated industry, success can only be achieved by those that are genuine insurance experts. It can’t be stressed enough that the details matter. The insurance value chain is complex, but can — and must — be mastered. I intentionally saved this point for last. As with the takeaways above, it applies to both carriers and brands. However, additional attention is paid to each vertical to really drive the point home. ## Customers are _the_ disruptive force in the insurance industry **‍**This applies to brands, carriers, and insurtechs alike. Customers are always on the lookout for better, faster, cheaper insurance options and each vertical has a different way of meeting these demands. Carriers are building upon, and modernizing, core systems by adding digital distribution channels and finding new ways to service policies. They’re making fundamental changes to the way they have historically sold and managed policies. This isn’t a small task. It requires restructuring, and in some cases, rebuilding. Brands aren’t letting their late entry to market slow them down. They’re leveraging customer data to provide a seamless digital experience offering new types of insurance with relevant pricing models. The common denominator for [carriers and brands](https://www.sureapp.com/customers/carriers) in breaking tradition and breaking ground is their reliance on insurtechs to achieve their goals. At Sure, we work with both verticals bringing something different to each table. Carriers rely on insurtechs for technology to reach digital milestones, as do brands. However, we provide an extra layer of expertise to brands that need a partner that understands every aspect of insurance. We help them navigate the market and put together the pieces of the insurance value chain.  As the insurance landscape continues to evolve, it’s clear that a positive customer experience at each part of the insurance lifecycle will remain core to carrier, brand, and insurtech success. [Read part one of this two-part series here.](https://www.sureapp.com/post/insuretech-connect-2020-global-round-up-part-i) --- # InsureTech Connect 2020 Global Round-up | Part I > Sure was excited to attend InsureTech Connect 2020, one of the biggest insurtech gatherings in the world. Canonical URL: https://www.sureapp.com/newsroom/insuretech-connect-2020-global-round-up-part-i Type: Blog post Published: 2020-10-29T00:00:00.000Z I_nsureTech Connect (ITC) is revered by the insurance technology industry as a must-attend event for tech entrepreneurs, investors, and insurance incumbents. Held annually, global industry experts leverage the forum provided by ITC to discuss trends, evaluate the state of the industry and strategize the path forward for insurtech. _ _Sure’s Senior Partnerships Associate Leonardo Cardone attended this year’s event, held for the first time virtually. In this two-part blog series, Leonardo shares insights about the event itself,_ [_key takeaways from prominent sessions,_](https://www.sureapp.com/post/insuretech-connect-2020-global-round-up-part-ii) _and what to look for as the industry continues to evolve._ ## ITC Global 2020 event review The event landscape is predictable — when held in a conference center, there’s literally a map that tells you where to go to find what, and who, you’re looking for. Yet, when you take away the conference center and replace it with a computer screen, it’s a whole new world.  This was the first virtual ITC event that I have attended and I was pleasantly surprised by its overall quality. Selecting sessions that aligned with my interests was easy using the intuitive user interface and the live video streaming quality was impressive.  While I missed the excitement of attending sessions, networking parties, and meeting customers in-person, I found the virtual event allowed me to maximize my time. The networking portal was equipped with features that enabled a quick prospect search based on interests giving me the opportunity to easily schedule back-to-back meetings and still attend sessions. ## State Farm session: Why customer experience matters more than ever A session that really stood out to me was conducted by [State Farm](https://www.statefarm.com/). Titled, “Why customer experience matters more than ever,” the session answered the question that so many of us have — “What are insurance carriers doing to meet the needs of modern customers?” State Farm’s innovation team addressed this question head-on as they led us through their digital transformation journey in pursuit of becoming an “experience-led company.”  According to State Farm, a positive customer experience begins by leveraging technology and developing digital strategies to better collect customer feedback, understand customer needs, and drive retention. Chief Digital Officer Fawad Ahmad is leading the charge for State Farm’s digital transformation and emphasized the need for speed during these challenging times. It’s worth mentioning that the COVID-19 pandemic has undoubtedly accelerated digital transformation in every industry. However, the insurance industry had some significant catching up to do prior to the pandemic. This put carriers at an even greater disadvantage when they realized they didn’t have the infrastructure to support a fully online customer base — making this topic extremely relevant to the current times.  According to Ahmad, the first step in the journey to becoming an experience-led company is finding the right insurtech partners. State Farm strategically matches carefully researched insurtechs to the right internal business unit. From there, they connect each and every touch point to operationalize fast progress against the digital milestones with the greatest [impact on the customer experience](https://www.sureapp.com/post/consumers-are-the-most-disruptive-force-in-the-insurance-industry). They then proceed to capture customer feedback, evaluate and share insights across the organization in real time to facilitate levels of agility that we don’t often see in the insurance industry.  I’m fortunate enough to see the profound impact of a strong partnership between an [incumbent carrier and insurtech](https://www.sureapp.com/customers/carriers) in my everyday work. I also know that a carrier’s success starts and ends with the customer, because I am that customer. Legacy systems put a strain on the customer experience and the relationship between the carrier and customer that can be fixed using the right technology. Listening to Ahmad stress the importance of the voice of the customer in his presentation reinforced that there are carriers that know change is needed — and they’re doing something about it. State Farm is the perfect case study for driving fundamental change with technology.  [Read part two of this blog series here.](https://www.sureapp.com/post/insuretech-connect-2020-global-round-up-part-ii) --- # Consumers are the most disruptive force in the insurance industry > We analyze the results of a recent study by Deloitte that looks at the trends in the insurance industry. Canonical URL: https://www.sureapp.com/newsroom/consumers-are-the-most-disruptive-force-in-the-insurance-industry Type: Blog post Published: 2020-09-29T00:00:00.000Z A recent study by [Deloitte](https://www.deloitte.com/) took a look at the trends defining insurance in 2020. While the study was exclusive to the EMEA region, as an industry, we can agree that the leading report insight — consumers are the disruptive force in the insurance industry — is true across the insurance landscape, regardless of location.  Deloitte expanded on this key finding stating, “In an age of immediacy, constant change and overwhelming choice where loyalty is no longer a given, the industry has to extend beyond its core products and services if it is to retain its customer base.” Traditional insurers struggle to move away from legacy operating models toward the modernized digital systems required to serve today’s consumers. Expecting them to then add in additional products and services is quite an ask. Yet, it doesn’t have to be a challenge. Incumbent insurers have a rare opportunity to merge the old with the new and better prepare themselves to move into the future by partnering with insurtechs to create customer-centric experiences driven by the latest technology.  ## Building insurtech relationships A long-lasting partnership is required to be truly successful as this isn’t a one-and-done project. While [insurance carriers](https://www.sureapp.com/customers/carriers) make strides to catch up to current needs, new demands are continuously added, new technology is continuously developed, and greater efficiencies are waiting to be gained.  Providing seamless digital experiences that meet the “right here, right now” mentality of consumers at every touchpoint will always be the primary goal for insurers as their customers are their most valuable asset — once again proving that consumers are, and will continue to be, the most disruptive force in the insurance industry. The key to success for any carrier is working with an insurtech partner that supports each stage of the insurance lifecycle enabling you to be prepared for, and even proactively address and exceed evolving customer expectations. --- # Sure named to the 2020 CB Insights Fintech 250 list of fastest-growing fintech startups > Sure has been named to the CBInsights Fintech 250, a prestigious list of emerging private companies working on groundbreaking financial technology. Canonical URL: https://www.sureapp.com/newsroom/press-release-sure-named-to-the-2020-cb-insights-fintech-250-list-of-fastest-growing-fintech-startups Type: Press release Published: 2020-09-24T00:00:00.000Z ##### _Sure honored for achievements in insurance technology, recognized amongst the most promising companies globally_ ** LOS ANGELES, CA — September 20, 2020 —** Sure, an insurance technology company, has been named to the [CBInsights](https://cbinsights.com) Fintech 250, a prestigious list of emerging private companies working on groundbreaking financial technology. This is the third annual publication of the list. “We're proud to, once again, recognize the 250 best private fintech companies globally. This year's Fintech 250 represents 25 countries and spans 19 categories – reimagining everything from retail banking and crypto, to insurance and asset management,”said CB Insights CEO Anand Sanwal. “The previous Fintech 250 class raised more than $22 billion in investor financing and saw more than 20 exits after being recognized, and we expect this year's class will have similar success as they continue to transform how people and businesses spend, save, borrow, and invest their money.” “We’re honored to be recognized among such forward-thinking industry colleagues,” said Wayne Slavin, Co-Founder and CEO of Sure. “As the industry continues to modernize, digital enablement platforms have become the backbone for financial and insurance programs worldwide. Our inclusion in the Fintech 250 is a testament to the sophistication of Sure’s technology, reinforcing our ability to accelerate digital transformation for insurance carriers and global brands.” Through an evidence-based approach, the CB Insights Intelligence Unit selected the Fintech 250 from a pool of 16,000 companies, including applicants and nominees, based on several factors. These factors include patent activity, investor quality, news sentiment analysis, proprietary Mosaic scores, market potential, partnerships, competitive landscape, team strength, and tech novelty. The Mosaic Score, based on CB Insights’ algorithm, measures the overall health and growth potential of private companies to help predict a company’s momentum.  Sure is one of the fastest-growing insurtech companies in the industry. Its enterprise SaaS Platform unites core insurance technologies in a single platform to centralize critical business data and operations. Core Platform features include distribution, policy administration, claims management, agent tools, and APIs. ‍ ![CB Insights - Fintech 250](https://kgerf2ausmlyevfj.public.blob.vercel-storage.com/67507b1d592763d8c824f841_67507af8025d3ca52dbed3ef_6717ebd8cf8ef5243147894c_5f6cb57550825807aa4c90f9_press_fintech250_interior_09012020.jpeg) ### ###### About CB Insights At CB Insights, we believe the most complex strategic business questions are best answered with facts. We are a machine intelligence company that synthesizes, analyzes and visualizes millions of documents to give our clients fast, fact-based insights.Serving the majority of the Fortune 100, we give companies the power to make better decisions, take control of their own future, and capitalize on change. ###### About Sure Sure, an insurance technology company, powers digital insurance programs for the world’s most recognized brands and carriers. Its enterprise SaaS Platform and APIs accelerate digital transformation and embedded insurance distribution without the need for additional IT resources. Sure streamlines all aspects of digital insurance sales and service with features designed for each phase of the insurance lifecycle. Founded in 2014, the company has customers around the globe and is headquartered in Santa Monica,California. Learn more at [sureapp.com](https://www.sureapp.com/). --- # Sure named to JMP Securities InsurTech 50 > Learn why JMP Securities has once again named Sure to its coveted list of Insurtech 50. Canonical URL: https://www.sureapp.com/newsroom/sure-named-to-jmp-securities-insurtech-50 Type: Blog post Published: 2020-09-22T00:00:00.000Z [JMP Securities](https://www.jmpg.com/) has once again named Sure to its coveted list of Insurtech 50. Released this month, the report highlights 50 companies JMP Securities has identified to be the long-term winners in the InsurTech revolution. > “Innovation distinguishes between a leader and a follower.” > \- Steve Jobs According to the report, "By most measures the insurance market is a dinosaur. Even as other financial services sectors have embraced technology to modernize – thereby improving client satisfaction, operational efficiency, etc. – the insurance sector by and large has resisted change. Some forward-thinking CEOs have seen the writing on the wall and have embraced the modernization of their businesses, but the industry is still populated with inefficient operators that have not changed much in fifty years. Several years back some technology-savvy industry outsiders recognized the opportunity for disruption and modernization in the insurance industry and the InsurTech revolution was born." #### Key findings from the report include: ‍ - **What’s at stake here? A very large prize. ‍**By most measures, the global insurance market is huge, with an estimated $5.2 trillion in annual premiums, and growing. - **The insurance market is ripe for innovation/modernization. **Even as other financial services sectors have embraced technology to modernize – thereby improving client satisfaction, operational efficiency, etc. – the insurance sector by and large has resisted change. - **Some markets are riper for innovation than others. **The insurance market consists of many sub-segments that have very different operational and regulatory dynamics. Broadly speaking, lines of business that are more commodity-like (e.g., personal lines, small commercial) are riper for innovation than those that are more specialized (e.g., commercial excess & surplus lines). This is not a hard and fast rule, but one that we believe holds true broadly. - **COVID-19 is likely to impact the market in several ways, some temporary and others permanent.** When thinking about the impacts on InsurTech, we focus on a few that are likely to be more noticeable. A longer-lasting impact is likely to be an acceleration of the adoption of digitization. While this likely would have evolved naturally over time, stay-at-home orders forced both consumers and businesses to embrace digitization quickly. - **Disruption has evolved into partnership with incumbents.** While even as recently as a couple years ago the word “disruption” was commonly used by InsurTech companies to describe what they planned to do in the insurance industry, it has morphed into words like “partnership” in a relatively short period of time. - **The InsurTech** **landscape has become overcrowded; how does one identify the winners?** At last count, there are roughly 1,500 InsurTech companies in operation globally, having attracted $30+ billion of investment. But how do you pick the winners from the losers? We believe one of the most important questions to ask is whether or not a company is providing a solution to a problem. - **The market is maturing to the point where the winners are beginning to separate from the pack, with others likely to face consolidation or failure. **In recent periods, we have begun to see the InsurTech wave transform, with growth in early-stage investment slowing and some of the earlier companies emerging as leaders, raising larger later-round stages of capital, and separating themselves from the pack. - **Several legacy/incumbent insurers are embracing the need for change, but many still have their heads in the sand and are likely to face adverse selection. ‍**In recent years, many of the more forward-thinking insurers/management teams have realized that the need for modernization in the industry has reached a fever pitch. - **As MGAs mature, we believe we will see an increasing number convert to full stack to control their own destiny.** In past years we have seen many InsurTechs try to avoid being a full-stack company, preferring to partner with (re)insurers, either by producing directly to an insurer or using a fronting company as a conduit to the reinsurance market. In recent quarters, this trend has begun to change . . . with an eye toward controlling more of their destiny as business models scale. - **We believe we will see more InsurTechs entering commercial lines in the years to come.** The earlier years of InsurTech were largely focused on personal lines, which is seen in the mix of those companies with unicorn status today. However, existing personal lines-focused companies are expanding their appetite into commercial lines. - **Strong Millennial/Gen Z appeal today could spell trouble for incumbents down the road. **Many of the most successful InsurTech companies resonate well with the Millennial and Gen Z generations. Whether it is the desire to interact digitally with less friction and lower costs, the products they currently need (generally asset-light consumers at this point in their life) or their distrust of many established financial brands (many of them grew up during the 2007-2009 Great Recession), we find that many InsurTech companies have greater success with these younger generations than they do with older generations given the greater focus on technology and self-service. - **Artificial intelligence and the widespread availability of data could disprove the insurance mantra that too much growth kills companies.** When operated in a human environment with feedback loops that take months, if not years, to complete, it is understandable how strong growth could result in significant financial pain for less tech-savvy industry incumbents. - **Lower cost structure should result in faster growth. ‍**Particularly in consumer and small business-focused endeavors, the ability for most InsurTech companies to operate with a much lower operational expense structure than legacy carriers should allow them to direct more dollars toward marketing/advertising. - **Many InsurTech companies are driving business growth through new/non-traditional channels.** Traditionally, insurance business is driven through agents and brokers, with a much smaller portion derived directly from the consumer, typically via a call center or website. Many InsurTech companies are having success driving business growth from areas outside these channels, including a direct-to-consumer approach, but very much in the flow of the related transaction process. - **Regulatory sandboxes allow start-ups to test business cases before fully approaching the market. **This is a great way for start-ups to see how their concept will perform in the market without going all-in from the get go, allowing necessary adjustments to be made prior to a full launch, which should lead to greater long-term success. In - **As InsurTechs gain critical mass, M&A activity is likely to accelerate.** We have seen evidence of this over the past year, with Prudential buying Assurance for $2.4b and Aon buying CoverWallet for $300m. - **Traditional insurance valuation metrics will not apply. **Traditional insurance valuation metrics, such as price/earnings and price/book, will not be relevant in many cases, or at least not until many years have passed and the businesses reach maturity. --- # Betterment partners with Sure to offer cell phone insurance protection > Betterment and Sure join forces to offer cell phone insurance protection. Canonical URL: https://www.sureapp.com/newsroom/press-release-betterment-partners-with-sure-to-offer-cell-phone-insurance-protection Type: Press release Published: 2020-09-17T00:00:00.000Z ##### _Perk immediately available to all Checking users_ **NEW YORK, NY — September 17, 2020 —** [Betterment](https://c212.net/c/link/?t=0&l=en&o=2916627-1&h=3800284209&u=https%3A%2F%2Fwww.betterment.com%2F&a=Betterment), a smart money manager, today announced a partnership with insurance technology company Sure to provide cell phone insurance to [Betterment Checking](https://c212.net/c/link/?t=0&l=en&o=2916627-1&h=1103203406&u=https%3A%2F%2Fwww.betterment.com%2Fchecking%2F&a=Betterment+Checking+) users, offering coverage for phone damage or theft. This offering is available to any Betterment Checking user that pays their monthly cell bill with their Betterment Visa® Debit Card. "With Betterment Checking, our goal is to provide a product that helps customers make the most of their money, so they can live better," said Mike Reust, President of Retail at Betterment. "When it comes to debit and credit cards, consumers have come to expect banks to offer perks, including insurance, at no additional cost. As we look to meet and exceed the expectations of our customers, we're excited to partner with Sure to offer cell phone insurance, to help mitigate the impact of a potentially large unexpected expense. It's yet another way we're looking out for our customers' financial health and stability, in the pursuit of our mission." In order to file a claim, users will need to demonstrate that a phone bill for the previous month was paid in full on their Betterment Visa® Debit Card. Betterment Checking users can then file their claims, view their status, and get reimbursed - all supported by the Sure platform. The cell phone insurance is provided by a leading global insurance company, and customers will receive up to $600 dollars per claim with a maximum of 2 claims per 12 month period, with a $50 dollar deductible for each claim. "We're thrilled to partner with Betterment to help improve and simplify the financial lives of their customers," said Sure Co-Founder and CEO Wayne Slavin. "Betterment leverages Sure's SaaS Platform to embed cell phone protection as a benefit for their checking account customers. This unique offering focuses on fulfilling the everyday needs of consumers while driving innovation in fintech and personal finance." Launched in April 2020, Betterment Checking is Betterment's no-fee‡ checking account and Visa debit card for daily purchases, made available through Betterment Financial LLC and provided by nbkc bank, Member FDIC.The account reimburses ATM fees and foreign transaction fees globally, while cutting all overdraft fees and minimum balance requirements. Other available Checking features include activating and locking the card from your phone, changing your PIN from your phone, $250,000 FDIC insurance through our partner bank nbkc, Member FDIC, and easy transfers between other Betterment accounts. In July, Betterment announced Cash Goals, a new feature that helps users see all of their funds in a single location and save with intention, by making distinct buckets for financial goals over the short- or long-term. Betterment is working to launch additional rewards and benefits for Checking customers in the near future. To learn more about Betterment Checking visit: [https://www.betterment.com/checking](https://c212.net/c/link/?t=0&l=en&o=2916627-1&h=2690110609&u=https%3A%2F%2Fwww.betterment.com%2Fchecking&a=https%3A%2F%2Fwww.betterment.com%2Fchecking). ### ###### About Betterment Betterment is a smart money manager that offers everyday services for spending and saving, alongside their core investing and retirement solutions. Since 2010, Betterment has had one mission: to help people make the most of their money so they can live better lives. Using cutting-edge technology, they empower their hundreds of thousands of customers to manage their money – for today, tomorrow, and someday – through personalized, expert advice; automated money management tools; and tax smart strategies that help keep taxes low across accounts. Learn more [www.betterment.com](https://c212.net/c/link/?t=0&l=en&o=2916627-1&h=3555271670&u=http%3A%2F%2Fwww.betterment.com%2F&a=www.betterment.com). ###### About Sure Sure, an insurance technology company, powers digital insurance programs for the world's most recognized brands and carriers. Its enterprise SaaS Platform and APIs accelerate digital transformation and omnichannel distribution without the need for additional IT resources. Sure streamlines all aspects of digital insurance sales and service with features designed for each phase of the insurance lifecycle. Founded in 2014, the company has customers around the globe and is headquartered in Santa Monica, California. Learn more at [sureapp.com](https://c212.net/c/link/?t=0&l=en&o=2916627-1&h=2988319304&u=https%3A%2F%2Fwww.sureapp.com%2F&a=sureapp.com). ###### Betterment Checking ‡ Checking accounts and the Betterment Visa Debit Card provided and issued by nbkc bank, Member FDIC. Funds deposited into Checking will be eligible for up to $250,000 of FDIC insurance. Betterment Checking made available through Betterment Financial LLC. Neither Betterment Financial LLC, nor any of their affiliates, is a bank. Betterment Financial LLC reimburses ATM fees and the Visa® 1% foreign transaction fee worldwide, everywhere Visa is accepted. ###### Cell Phone Insurance Content and associated insurance products are provided by Sure HIIS Insurance Services, LLC ("Sure"), a licensed seller of insurance. The above does not in any way constitute an endorsement or referral by Betterment of the products or services offered by Chubb or Sure. Claims must be filed within sixty (60) days of the date of damage or theft to be eligible. Exclusions may apply. Insurance is issued and managed by the Chubb Group of Insurance Companies, 202B Hall's Mill Road, Whitehouse Station, New Jersey, 08889. Terms subject to change. --- # InsureTech Connect 2018: The future of innovation is collaboration > Watch Sure’s CEO Wayne Slavin on the InsureTech Connect panel discussion titled, "The future of innovation is collaboration." Canonical URL: https://www.sureapp.com/newsroom/insurtech-connect-2018-the-future-of-innovation-is-collaboration Type: Blog post Published: 2018-10-22T00:00:00.000Z ![ITC 2018: The future of innovation is collaboration](https://kgerf2ausmlyevfj.public.blob.vercel-storage.com/675079f187591ca162e85b9b_675079d191a0571777e51059_5f4f98f17063ca21ff56fd48_blog_itc_2018_wayne_panel_the_future_of_innovation_is_collaboration-new-5.png) ‍ Sure Co-Founder and CEO Wayne Slavin joined the InsureTech Connect panel discussion titled, "The future of innovation is collaboration." [Click here to watch the video.](https://vimeo.com/293743132/115f6eeaf2) --- # Sure named to coveted CNBC 2018 Upstart 100 List > Sure has been named to CNBC's 2018 Upstart 100 List, a prestigious list that showcases up-and-coming companies breaking industry barriers. Canonical URL: https://www.sureapp.com/newsroom/press-release-sure-named-to-coveted-cnbc-2018-upstart-100-list Type: Press release Published: 2018-10-11T00:00:00.000Z **LOS ANGELES, CA — October 1, 2018 —** Sure, a leading insurance technology platform, announced today that it has been named to CNBC's 2018 Upstart 100 List, a prestigious list that showcases up-and-coming companies breaking industry barriers on the path to becoming tomorrow's household names. Su was selected among hundreds of nominees as one of the most promising startups to watch. Sure is modernizing the $5 trillion insurance industry by partnering with major insurance companies such as Farmers, Nationwide, CHUBB, Assurant and more. Its insurtech platform provides access, enrollment, servicing and claims for any type of personal or business insurance directly through mobile apps, APIs and the web. The CNBC Upstart 100 aims to discover a more diverse group of companies that reveal key trends and new market opportunities that smart entrepreneurs are chasing. "We are honored to be named to CNBC's distinguished Upstart 100 list," said Wayne Slavin, founder and chief executive officer, Sure. "Sure has developed a digital insurance platform to help insurers and brands offer insurance to consumers, and we're thrilled to be seen as a promising disruptor in the industry. This award recognizes Sure as a driving force of innovation in insurance and will help us continue forging partnerships with the most respected names in insurance worldwide." CNBC established the Upstart 100 to celebrate the entrepreneurial spirit around the world and identify the most promising startups that are experiencing rapid growth due to their innovative products, apps, tools or services. More than 500 startups were nominated, and the winners were scored based on a wide range of quantitative metrics including scalability, sales and user growth, and intellectual property. To view the complete list, please visit: [https://www.cnbc.com/2018/10/09/cnbc-unveils-its-list-of-100-promising-startups-to-watch-in-2018.html](https://www.cnbc.com/2018/10/09/cnbc-unveils-its-list-of-100-promising-startups-to-watch-in-2018.html). For more information about Sure, visit [www.sureapp.com](https://www.sureapp.com/). ### ###### About Sure Sure provides access, enrollment, servicing, and claims for any type of insurance directly through mobile apps, APIs, and the web. Today more than 35 insurance carriers across the globe trust Sure's technology to power their daily operations at scale. Sure offers dozens of insurance products through its digital platform including rideshare, renter's, travel, pet, jewelry, and many others. Based in New York City and Los Angeles, Sure is available in all 50 states. For more information, visit [https://www.sureapp.com/](https://www.sureapp.com/). Follow @SureHQ on [Twitter](https://twitter.com/surehq?lang=en), [Facebook](https://www.facebook.com/surehq/) and [Instagram](https://www.instagram.com/surehq/). [Read the full press release here](https://www.prnewswire.com/news-releases/sure-named-to-coveted-cnbc-2018-upstart-100-list-300729252.html). --- # Rentec Direct partners with Sure to offer new renters insurance feature > Rentec Direct and Sure partner to offer new digital renters insurance options within Rentec Direct’s cloud-based platform. Canonical URL: https://www.sureapp.com/newsroom/press-release-rentec-direct-partners-with-sure-to-offer-new-renters-insurance-feature Type: Press release Published: 2017-12-21T00:00:00.000Z ##### _Property management software company, Rentec Direct, offers new renters insurance options within its cloud-based platform through a partnership with Sure._ ** LOS ANGELES, CA — December 21, 2017 —** [Rentec Direct](https://www.rentecdirect.com/), the leading property management software solution for real estate professionals, has partnered with Sure, which specializes in renters insurance. The new partnership allows property managers to set and monitor insurance requirements for specific properties inside the Rentec Direct platform, while also giving tenants easy access to the Sure portal to shop for insurance policies. “Direct feedback from our customers helps to inform our technology partnerships, as well as regular updates to our software, and this new integration with Sure is no different,” said Nathan Miller, president and founder of Rentec Direct said. “Users were asking for an easy way to track and buy renters insurance and Sure is a leading insurance technology provider in this arena. A partnership with them made good sense for our clients.” The new partnership allows property managers to set and monitor insurance requirements for specific properties inside the Rentec Direct platform, while also giving tenants easy access to the Sure portal to shop for insurance policies. Renters insurance is not just a convenience. Property managers and owners can benefit from an added layer of protection on their property, and help prevent disputes between landlord and tenant arising from damaged tenant property. Landlords can require that renters insurance be purchased as part of a lease agreement, and the new Sure integration allows them to monitor compliance right in the Rentec Direct platform that they are already using on a daily basis. Tenants can use Sure portal via the Rentec Tenant Portal to shop for an affordable policy for their needs, spanning policies from leading providers like Nationwide, QBE, and Assurant. The new integration allows tenants to purchase insurance online or upload existing policies in the system to share with their landlord. Built-in notifications will alert both property managers and the tenants when insurance is due or when an existing policy will expire soon to allow plenty of lead time to renew. “Sure has always been focused on simplifying the process of getting insured. Renters insurance has long been one of the more challenging policies for consumers to purchase and know what they’ve covered,” says Sure founder and CEO Wayne Slavin. “We’re thrilled to be partnering with Rentec Direct to bring our industry leading solution to their clients.” The seamless integration between the Rentec Direct portal and Sure ensures that users will experience time savings right away. The automated functionality simplifies the process for tenants and owners and ensures coverage is always up to date. **###** ###### About Rentec Direct Rentec Direct offers industry leading property management software and tenant screening solutions for real estate professionals. Features include online rent payments, tenant and owner portals, the industry’s largest vacancy listing syndication network, full property, tenant, and owner accounting, 1099-MISC reporting, QuickBooks™ Sync and more. ###### About Sure Sure is a leading insurance distribution platform that is making it easier for insurers to distribute any type of insurance directly through mobile apps and the web. Today more than 35 insurance carriers across the globe trust SURE's technology to power their daily operations at scale. Based in New York City and Los Angeles, SURE is available in all 50 states and internationally on iPhone, Android devices, online, and through our insurance API. For more information, visit [http://www.sureapp.com](https://www.sureapp.com/). Follow @SUREHQ on Twitter, Facebook and Instagram. --- # Sure launches first U.S. app-based rental car insurance > Sure launches first U.S. app-based rental car insurance. Canonical URL: https://www.sureapp.com/newsroom/press-release-sure-launches-first-u-s-app-based-rental-car-insurance Type: Press release Published: 2017-12-07T00:00:00.000Z ##### _Customers can purchase insurance coverage in under a minute while in line for car rental _ ** NEW YORK, NY — Dec. 7, 2017 —** SURE, the leading personal insurance distribution platform, today launched the first app-based rental car insurance product for U.S. customers. The new insurance product works with all car rental companies, costs less than $10 per day and can be purchased in under a minute. Traditional rental car insurance purchased through a rental car company can cost as much as double a customer's daily car rental rate. For example, if a customer's car rental costs $15 per day, they may pay up to $30 per day for the rental company's insurance product. Also, car rental contracts can be complex and may not provide a thorough protection package, often leaving the customer with high fees if he or she causes minor damage to the car. SURE is solving rental car insurance gaps and inefficiencies by offering coverage for less than $10 per day. The policies that SURE offers cover anything from fender benders to serious physical damage and also additional drivers. Unlike rental car company insurance policies, SURE also covers flat tires and property theft while on the road. "SURE's new rental car insurance product is launching just in time for the holiday travel season, which is high season for rental car usage," said Wayne Slavin, CEO, SURE. "Renting a car can often be stressful during busy travel seasons. Customers want to have a pleasant experience and not have to experience high-pressure sale tactics at the rental car counter. Our goal is to make buying rental car insurance as quick, easy and comprehensive as possible while delivering better and more complete coverage." SURE's rental car insurance is underwritten by Chubb, the world's largest publicly traded property and casualty insurance company and the largest commercial insurer in the U.S. To download the app and purchase rental car insurance, please visit [www.sureapp.com](https://www.sureapp.com/). ### ###### About SURE SURE is a leading insurance distribution platform that is making it easier for insurers to distribute any type of insurance directly through mobile apps and the web. Today more than 35 insurance carriers across the globe trust SURE's technology to power their daily operations at scale. Based in New York City and Los Angeles, SURE is available in all 50 states and internationally on iPhone, Android devices and the web. For more information, visit [www.sureapp.com](https://www.sureapp.com/). Follow @SUREHQ on [Twitter](https://twitter.com/surehq?lang=en), [Facebook](https://www.facebook.com/surehq/) and [Instagram](https://www.instagram.com/surehq/). --- # InsureTech Connect 2017 panel discussion: Maximizing profits via products and alternative business model innovation > Learn about some of the top topics from the panel discussion focused on at InsureTech Connect 2017. Canonical URL: https://www.sureapp.com/newsroom/insuretech-connect-2017-panel-discussion-maximizing-profits-via-products-and-alternative-business-model-innovation Type: Blog post Published: 2017-10-09T00:00:00.000Z After being in the insurance industry for several decades in a variety of roles, I frequently get asked which insurtechs I think are going to be successful. In sum, I believe the insurtechs best positioned for success are those that are unlocking entirely new markets, thinking past the standard producer model, adding additional revenue streams, and utilizing distribution channels that allow them to efficiently reach more customers. Here are some of the topics our panel discussion focused on at InsureTech Connect 2017. ## Unlocking new markets with innovative products The insurance market is largely split into two segments. There is admitted coverage, which includes the vast majority of all personal lines insurance (e.g., homeowners, auto, and life), and then there is non-admitted or surplus lines coverage, which includes specialty risks (e.g., professional liability insurance). An admitted insurance company is one that is “admitted” by a particular state to do business as an insurance company. To offer admitted coverage (e.g., personal lines), an insurance company must conform to the regulations of a particular state’s Department of Insurance. In addition to meeting minimum regulations for admission, admitted carriers must also file their rates with the state, and the state must approve. In contrast, a non-admitted insurance company is one that doesn’t operate under an individual state’s insurance laws. As a result, a non-admitted insurance company doesn’t enjoy the benefit of having its claims resolved in the event of a bankruptcy. However, non-admitted companies also have much more pricing flexibility, as they don’t have to submit their rates to the individual states for review. No matter how many ways personal lines insurance is sold, sliced, or repackaged, it is so closely regulated with respect to coverage and price that it is basically impossible for an insurtech to do anything outside the strict rules and regulations that constrain the personal lines market. While I admire insurtechs that have decided to tackle the personal lines insurance market, I am keenly aware of the regulatory restraints those insurtechs face when it comes to product innovation and pricing. Regulators are particularly protective of individual consumers in the personal lines insurance market. Therefore, when it comes to innovation, regulators are instinctively cautious and often require lengthy investigations and studies—if the innovation will be approved at all.[\[1\]](https://www.mintz.com/legal-insights/alerts/articletype/articleview/articleid/4181) Those limitations, which exist no matter what form personal lines insurance takes, will always make larger profit margins more difficult to obtain because the regulators will have something to say about it.[\[2\]](https://www.mintz.com/legal-insights/alerts/articletype/articleview/articleid/4181) Also, product approval and speed to market will continue to challenge innovation in the personal lines insurance market. In contrast, new insurance products that fall outside of the personal lines and admitted insurance market arena (i.e., non-admitted or surplus lines insurance) are significantly less regulated, allowing for greater creativity and having the potential to unlock entirely new markets and obtain wider profit margins. Unlike admitted insurance products, surplus lines insurance products have very little restraint, if any, on the coverages offered or their profit margins. Surplus lines insurance covers risks for which coverage is not available or that carriers in the standard market have declined to underwrite. Therefore, insurtechs in this market are arguably at a distinct advantage, as they are able to offer innovative products in a largely deregulated environment, which is often critical where a given business model conflicts with governing state regulation. When looking across the growing insurtech landscape, there are a few companies that stand out as having the capability to unlock entirely new markets. Rather than entering into an overcrowded personal lines market, they are reaching an entirely new customer base with products where there is very little or no competition. For example, some of the more innovative emerging insurance products comes out of the explosion in demand for alternative energy. Companies like [Energetic Insurance](https://www.energeticinsurance.com/) are developing entirely new insurance products to address the needs in the solar market. Likewise, there is a growing market for commercial and recreational purpose drones. Flying drones, however, present the risks of bodily injury, property damage, and invasion of privacy, among others. Companies such as [Ascend](http://ascendib.com/drones/) are creating entirely new insurance products to address these risks and, therefore, a new market for the purchase of drone insurance to serve the drone-flying community. These are just a few examples of companies having the flexibility to create entirely new products and gain the benefit of larger profit margins without the constraints of state regulation. ## Business models Generally speaking, there are primarily four business models to consider when starting an insurtech company: 1. **Producer:** A producer is an insurance intermediary whose primary responsibility is selling insurance. This is the most “user-friendly” option, allowing for those who are not as familiar with the insurance industry to gain experience and knowledge. Many insurtech companies will start out as a producer and may restructure the company as it grows and gains expertise. 2. **Managing General Agent (MGA):** An MGA is a more specialized producer that is specifically vested with underwriting authority from an insurer. There are varying levels of MGAs, with many performing additional tasks traditionally handled by the insurers themselves, such as binding coverage, appointing retail agents, and settling claims. By the nature of their responsibilities, MGAs typically have a greater level of expertise than traditional producers and are often subject to additional regulations. If an MGA model is chosen, there are a few things to keep in mind: (i) emphasize some unique selling point to differentiate from more well-established MGAs; (ii) ensure that agreements with carriers clearly set forth the scope of authority, rights to compensation, and other benefits, including customer information and renewals; (iii) consider whether the MGA will be best served by outsourcing certain “back office” tasks to a third-party provider; and (iv) keep in mind that whether the long-term goal is to keep the MGA or to sell it, it is important to build brand value and brand loyalty 3. **Captive:** A captive insurer is an insurer whose insureds are limited to those who own or participate in the captive, and as a result, allows the captive to assume more predictable risk. The regulations governing captives, though more robust than the regulations applicable to MGAs, are much less onerous than those governing traditional insurance companies. Accordingly, a captive insurer can provide coverage for certain risks that traditional insurers may be unwilling to cover. However, the captive, by its very nature, is limited in that its model will only insure certain policyholders and will not be open to the general market of policyholders. 4. **Traditional Insurer:** To establish a company as a traditional insurer, not only will the company need a substantial amount of insurance expertise, but it will be required to meet significant capital requirements. Additionally, there are complex rules and regulations that the company will need to be familiar with and adept at navigating—regulations which are largely avoided in the captive model. Another way to bypass many of the stringent regulations applicable to traditional insurers is to establish the business as asurplus lines insurer, as discussed above. However, even as a surplus lines insurer, significant capital requirements will continue to be required. Each model offers its own benefits and its own risks. Understanding what kind of insurtech you want to build—the levels of expertise and the service it is capable of offering at the outset—is essential to determining which model will initially work best and provide the best opportunity for growth and success. ## Think big: Identifying additional revenue streams In addition to operating structure, there often are opportunities for an insurtech to increase profitability by leveraging revenue streams permitted under the insurance regulatory framework. Strategic considerations during the product development phase—such as application of commissions and fees—can have a significant positive impact on a business plan and return on the overall investment. Although most insurtech producers will base their revenue on the commissions that various regulators will allow them to keep, there may also be a number of additional fees for services that can be rolled into the premium charge as a potential source of maximizing revenue. Whether products are selling in the admitted or non-admitted market, all states will regulate, in some fashion, fees that producers (e.g., brokers and agents) may charge on top of the actual premium. In some states, such as California, brokers are permitted to charge fees in excess of the filed rate, while agents are not. This regulation, however, appears to apply only to personal lines business. In comparison, New York permits all producers to charge fees and, generally, there is no limit to the amount of the service fee allowed to be charged. However, any such fee should be “reasonable” and must be based on a written agreement between the broker and the insured. Moreover, states that allow fees to be charged generally require that the same amount be charged to all insureds for the same services provided. With that said, below is a list of potential services that a producer may consider charging for, so long as they are offered in a fair and nondiscriminatory manner: - Risk assessment related services - Insurance consulting services or other insurance-related advice - Insurance-related regulatory and legislative updates - 24-hour claims payment services - Claims advocacy services - One-stop shopping, convenience, and efficiency - Technology fees The above services may or may not fit an insurtech’s business model. However, when considering an operating structure and designing a product, an eye should be on what services may increase the product’s value while at the same time providing beneficial services to customers. ## Innovative distribution channels Historically, insurance was sold by carriers through brick and mortar agencies. You would walk in to your local agent’s store and buy your auto, home, and life policy. Insurtechs and entrepreneurs, however, are revolutionizing the way we purchase insurance by streamlining the sales process, seamlessly embedding it into our everyday activities. The result is that it is easier than ever for a consumer to buy insurance, without the need to visit a local agent. A great example of this is in the real estate market. There are insurtechs, like [LeaseLock](http://leaselock.com/), that are increasingly partnering up with management companies, and it is the management company that is suggesting—or in some cases requiring—that a policy be purchased. LeaseLock, through their innovative rental payment insurance product, is helping real estate management companies fill vacancies by eliminating the need for an extra security deposit and lease guarantor. The renters purchase insurance and sign the lease in the same fluid transaction. Another example is [Sure](https://www.sureapp.com/). Company CEO [Wayne Slavin](https://www.linkedin.com/in/wayneslavin/) announced a new rideshare product during the Insured Tech Connect 2017 conference that provides first of its kind comprehensive coverage for passengers riding in Ubers and Lyfts. Interestingly, we are now working with several different manufacturers that are considering becoming licensed as insurance agents to sell insurance products complementary of the principal product sold by the company. These manufacturers are looking to leverage their relationship with an existing client base by adding an insurance product into the mix. The manufacturer, now a licensed producer, receives a commission—thereby tapping into a new revenue stream—and customers are satisfied by the efficiency of the one-stop shopping experience. The manufacturer is thus able to deepen the existing relationship. ## Conclusion There are a lot of ways to maximize profits. So before you launch your insurtech, think about the following questions: What kind of product do you want to sell? Will your profit margins be constrained by regulation? Is your business model right for the business you want to grow? Have you overlooked additional revenue streams? How can you best reach your potential customers efficiently and effectively? These are all questions you should be asking as you work to find ways to create value for your company, your investors, and your customers. [Click here to view all formatting for this article.](https://www.lexology.com/library/document.ashx?g=7f0a2145-d776-4915-8393-c668b91dc0f8)