Clocktower Ventures

Morada Uno is a technology company that focuses on enhancing the real estate industry by offering tools and financial products aimed at real estate brokers and professionals. The company provides services that facilitate the screening, collection, and insurance of residential leases. By equipping real estate professionals with resources to streamline interactions between property owners and tenants, Morada Uno enables efficient transaction closures and effective asset management for its clients. The company's solutions aim to create a digital, seamless, and secure rental experience in the real estate market.

Eventual is a technology company that specializes in creating software and services to safeguard real estate owners from emerging climate-related risks. Their core product is a sophisticated insurance predictability platform, which helps property owners secure stable insurance premiums for extended periods, thereby shielding them from unexpected cost increases and providing financial certainty.

Momento is an insurtech company focused on transforming the insurance landscape in Latin America, particularly in the auto insurance sector. Leveraging technology and data, Momento aims to enhance the user experience by simplifying the purchasing process and offering personalized pricing tailored to individual drivers. The platform provides comprehensive services, including driving behavior analysis, information on fines, theft risk assessments in specific areas, and details about affordable gas stations and parking options. Additionally, Momento streamlines the claims process, making it automated and user-friendly, while also targeting the uninsured demographic in Latin America to broaden its market reach.

Insurate is a managing general agent (MGA) focused on workers' compensation insurance, utilizing data science and predictive analytics to enhance risk assessment. The company aims to provide a fair and transparent underwriting process by identifying businesses that exhibit a lower risk profile than the industry average. By matching these safer companies with competitive rates, Insurate enables clients to achieve substantial savings on their annual workers' compensation policies. Additionally, Insurate specializes in accommodating hard-to-place codes, assisting agents in writing and retaining business more effectively.

Morada Uno is a technology company that focuses on enhancing the real estate industry by offering tools and financial products aimed at real estate brokers and professionals. The company provides services that facilitate the screening, collection, and insurance of residential leases. By equipping real estate professionals with resources to streamline interactions between property owners and tenants, Morada Uno enables efficient transaction closures and effective asset management for its clients. The company's solutions aim to create a digital, seamless, and secure rental experience in the real estate market.

DigiSure is focused on becoming a leader in trust, safety, and insurance for digital businesses, particularly in mobility marketplaces. By providing on-demand insurance services, the company aims to empower its partners with unprecedented access to user data, enabling them to manage their insurance ecosystems effectively. Founded in 2018 by experienced professionals from the insurance, mobility, and sharing economy sectors, DigiSure leverages connected data and automation to enhance risk management, making it more transparent and responsive. The company's platform includes services such as screening, insurance management, and claims processing for mobility and short-term rental operators. Based in San Francisco, DigiSure aspires to create a safer, more secure, and environmentally friendly world by reimagining insurance for future mobility.

Guros is a digital insurance technology company based in Mexico that specializes in providing an end-to-end embedded insurance experience for businesses and their customers. Founded in 2013, Guros has developed proprietary technology that allows partners such as Kavak, Creditas, and Coppel to seamlessly integrate auto insurance offerings into their purchasing processes. This integration enables users to obtain quotes and manage policies through a straightforward, one-click system. Guros focuses on enhancing customer experience by simplifying the insurance journey, and it plans to expand its services into additional sectors, including mobile devices, electronics, and home insurance. The company's mission is to streamline the insurance purchasing process, making it more accessible and user-friendly for consumers.

Wagmo, Inc. is a Boston-based company that specializes in providing monthly wellness insurance plans for pets. Founded in 2017, Wagmo offers a platform that reimburses pet owners for routine care services, including vaccinations, grooming appointments, and preventive medications. The company focuses on delivering preventative care by utilizing veterinary data to process reimbursements for common expenses such as exam fees and preventive treatments for fleas, ticks, and heartworm. This approach empowers pet owners to better manage and predict the costs associated with their pets' care, ensuring optimal health and well-being.

Matic Insurance Services, Inc. is a digital insurance agency based in Columbus, Ohio, with additional offices in California and Ukraine. Established in 2014, Matic has transformed the insurtech landscape by integrating insurance solutions into the home and auto ownership experience. The company's digital marketplace features over 40 A-rated home and auto insurance carriers and collaborates with various distribution partners across mortgage originations, banking, real estate, and personal finance. Matic prioritizes policyholder advocacy by offering a straightforward and transparent comparison shopping process, which enables customers to save significant time and reduce their premiums by more than 30% annually. Through its platform, Matic provides a seamless experience for homeowners to analyze property data and compare insurance quotes efficiently.

Breathe Life Inc. is a Montreal-based company that designs and develops a software platform specifically for the life insurance industry. Founded in 2017, it offers an enterprise Software-as-a-Service (SaaS) solution that facilitates the digital distribution of life and health insurance policies, eliminating the need for traditional brokers. The platform features a streamlined, single-session quote creation and application process, allowing consumers to independently explore financial products, identify their needs, and complete purchases online. By providing an end-to-end system, Breathe Life enhances the speed of policy delivery and helps insurers reduce operational costs, thereby improving overall efficiency in the distribution of financial security products.

Wagmo, Inc. is a Boston-based company that specializes in providing monthly wellness insurance plans for pets. Founded in 2017, Wagmo offers a platform that reimburses pet owners for routine care services, including vaccinations, grooming appointments, and preventive medications. The company focuses on delivering preventative care by utilizing veterinary data to process reimbursements for common expenses such as exam fees and preventive treatments for fleas, ticks, and heartworm. This approach empowers pet owners to better manage and predict the costs associated with their pets' care, ensuring optimal health and well-being.

Energetic Capital was created to catalyze deployment of renewable energy with a focus on sub-investment grade and unrated credit risks. Our process is faster and more scalable than any existing financing options, allowing more organizations to access and procure clean energy and efficiency solutions. We provide a comprehensive financing package that unlocks the benefits of efficient and affordable financing for renewable energy.

Insurami, founded in 2018 by Arnor K. Davidsson and Majed Chaaraoui, is based in London and offers innovative deposit replacement insurance. The company aims to transform financial practices in commercial real estate by providing landlords with an insurance platform that offers the same level of protection as traditional deposits without requiring the holding of tenant funds. This approach allows landlords to attract a broader range of clients by facilitating deposit-free renting, thereby streamlining the leasing process for office spaces.

TowerIQ, Inc. specializes in developing an enterprise software platform tailored for the insurance industry. Founded in 2017 and based in Boston, Massachusetts, the company offers a broker-first platform designed to enhance transparency in insurance markets. Its solution simplifies and automates workflows, connects data and systems, and improves data quality and validation. By facilitating robust communication and providing valuable data insights, TowerIQ enables brokers, managing general agents (MGAs), and carriers to streamline the end-to-end insurance experience. This low-touch technology platform allows brokers and agents to focus on addressing clients' business challenges, ultimately enhancing client retention and satisfaction while enabling firms to win more business.

LeaseLock Inc. is an insurance technology company that provides lease guarantor services for renters by replacing traditional security deposits with insurance. Founded in 2013 and based in Marina Del Rey, California, LeaseLock streamlines the rental process through its online application, eliminating the need for cosigners and facilitating instant lease approvals. The company's flagship product utilizes artificial intelligence to optimize coverage based on property history, resulting in significant improvements in conversion rates and reduced vacancy for property owners. LeaseLock has insured over $1 billion in leases, backed by insurance rated A (Excellent) by A.M. Best. The company has strategic partnerships with notable investors, including SoftBank Ventures Asia and Liberty Mutual Strategic Ventures, which support its mission to enhance the rental experience and minimize financial risks for apartment operators.

Bunker is a prominent provider of insurance compliance and verification solutions. The company has developed a digital business insurance platform that enhances contract-related insurance experiences for enterprises, suppliers, and independent contractors. By offering a comprehensive marketplace for contract-related insurance, Bunker identifies small business insurance buyers and delivers tailored policies precisely when needed. The platform integrates Smart Certificate of Insurance (COI) screening and compliance verification, streamlining the insurance process for its users. Through its innovative approach, Bunker aims to improve the overall insurance experience, particularly in the context of contingent staffing models.

Embroker, Inc. is a digital insurance brokerage that specializes in providing insurance services to small and mid-sized businesses. Founded in 2015 and headquartered in San Francisco, with additional offices in Chicago, Boston, Denver, and New York, Embroker utilizes an online platform to streamline the process of purchasing, managing, and analyzing commercial insurance policies. The platform allows clients to automate the sharing, requesting, and tracking of proof of coverage, as well as monitor claims in real-time. Embroker offers a wide range of insurance products, including Commercial General Liability, property insurance, professional liability, and employee benefits, among others. The company also provides tools for peer comparison, enabling clients to benchmark their policies against industry standards. By combining technology with broker expertise, Embroker aims to enhance the efficiency and effectiveness of the $800 billion property and casualty insurance market, helping businesses save time and secure optimal coverage.