MS&AD Ventures

INSHUR is a digital insurance platform that specializes in providing auto insurance for both individual drivers and fleet owners. The company leverages proprietary data and analytics to facilitate the entire insurance lifecycle, allowing users to obtain quotations, make purchases, and manage their policies through a mobile interface. By focusing on a user-friendly digital experience, INSHUR aims to simplify the process of acquiring and servicing auto insurance.

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

Artificial Labs Limited is a software company focused on the insurance industry, providing a comprehensive suite of applications designed to enhance operational efficiency and improve risk management. Founded in 2013 and headquartered in London, the company offers various products, including Artificial Build for data capturing and workflow automation, Artificial Distribute for data collection and distribution, Artificial Price for risk selection and pricing, and Artificial Manage for portfolio management. The company's platform leverages machine learning and algorithmic underwriting, allowing insurers to digitize processes, capture data accurately, and streamline the insurance lifecycle. By facilitating seamless integrations and enhancing data utilization, Artificial Labs empowers clients to make informed decisions, reduce costs, and improve overall customer experiences.

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

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

Anzen is a provider of management liability insurance that utilizes artificial intelligence to underwrite and broker various types of coverage, including Executive, Cyber, and Professional Liability insurance. The company's offerings encompass a range of policies such as Directors and Officers (D&O), Employment Practices Liability (EPL), Cyber Liability, Fiduciary Liability, Crime Insurance, and Technology Errors and Omissions (Tech E&O). Anzen operates a marketplace of leading insurance carriers, which allows it to competitively place coverage and streamline transactions within the specialty insurance market. Its platform facilitates easy submissions through a simple email or a brief digital application, catering to small to mid-market private companies. Thousands of brokers utilize Anzen's services to close deals more efficiently, helping businesses of all sizes protect themselves from significant corporate risks while integrating tools that assist in risk identification and loss prevention.

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

Artificial Labs Limited is a software company focused on the insurance industry, providing a comprehensive suite of applications designed to enhance operational efficiency and improve risk management. Founded in 2013 and headquartered in London, the company offers various products, including Artificial Build for data capturing and workflow automation, Artificial Distribute for data collection and distribution, Artificial Price for risk selection and pricing, and Artificial Manage for portfolio management. The company's platform leverages machine learning and algorithmic underwriting, allowing insurers to digitize processes, capture data accurately, and streamline the insurance lifecycle. By facilitating seamless integrations and enhancing data utilization, Artificial Labs empowers clients to make informed decisions, reduce costs, and improve overall customer experiences.

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

Accelerant Holdings Ltd. is a managing general agent (MGA) based in London, United Kingdom, founded in 2018. The company specializes in providing wholesale insurance underwriting services primarily for small and medium-sized enterprises (SMEs). As an insurtech, Accelerant leverages advanced data analytics and technology to enhance its risk exchange platform, enabling underwriters to access superior insights and capacity commitments. The firm's specialty portfolio is well-diversified, minimizing exposure to catastrophe and systemic risks. Additionally, Accelerant has established a carefully selected network of underwriting teams to ensure high-quality service delivery, earning it an excellent AM Best A- rating.

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

Covie is a technology company that has created a platform to connect innovative businesses with insurance data. The platform retrieves and validates insurance records in real-time from the issuing carriers, allowing users to access a wide range of data through a single integration. Founded by experts in software and the insurance industry, Covie aims to streamline the process of working with insurance data, making it more accessible and user-friendly. By providing a straightforward interface that enables efficient policy transactions and comprehensive risk exposure understanding, Covie empowers businesses to enhance their interactions with insurance, eliminate inefficiencies, and better manage risks.

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

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

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

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

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

Hippo Insurance Services is a home insurance provider that aims to redefine homeowner protection through a comprehensive approach. The company utilizes real-time data and smart home technology to create an integrated home protection platform designed to alleviate the concerns associated with homeownership. Headquartered in Palo Alto, California, with additional offices in Austin and Dallas, Hippo offers its insurance products to over 80 percent of U.S. homeowners across 37 states. The company covers a wide range of assets, including electronics, home offices, and appliances, while also providing unique coverage options for water backup and service lines. Hippo operates through various segments, with the majority of its revenue generated from its Insurance-as-a-Service platform, which supports third-party managing general agents. As a licensed property casualty insurance agent, Hippo collaborates with multiple insurance companies to underwrite its products.

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

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

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

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

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