Top Insurance Startups in 2026

Oscar is a technology-driven, consumer-focused health insurance startup founded in 2012 and headquartered in New York City. Oscar uses technology and personalized service to give members transparency into the health care system and empower them to choose quality, affordable care. The Oscar member experience includes a personalized concierge team that helps members do everything from finding a doctor to processing a claim, a 24/7 Doctor on Call service for members on the go, and a tightly integrated, curated network of first-rate physicians and hospitals. Members can easily access their health history and account information via hioscar.com and our iOS and Android apps. Say hi or learn more at hioscar.com or follow us at twitter.com/OscarHealth.

Next Insurance is a fast-growing 350+ person startup based in Silicon Valley and is led by a team of experienced entrepreneurs with a history of successful outcomes. Our mission is to transform insurance for small businesses by combining world-class technology and phenomenal customer service to offer better insurance at a lower price. Next has raised over $630 million from top tier investors and is the valley’s latest unicorn, valued at over $2 billion.

Porch provides software & services to several home service industries: Inspectors - ISN is the #1 inspection software company. ISN helps inspection companies grow their businesses and offers their customers exclusive lifetime concierge benefits. Moving - HireAHelper’s moving platform allows moving companies to manage their business and attract new customers. Utilities - Kandela provides an award-winning customer experience to help utility customers and helps get partner program adoption for utility companies. Contractors - Porch enables home professionals to find jobs and improve their business through both B2B and B2C software and services. Real Estate - Porch’s software helps simplify the negotiation process for realtors and their clients, while helping make the move-in process easier for their customers. Home Warranty - Porch helps warranty companies onboard new customers and make ongoing home maintenance easier. Through our partnerships, we deliver services to consumers across the lifetime of their homes: Pre-move - Porch helps homebuyers book inspections, get repair estimates, and find the right insurance policy. Book Inspections, Repair Estimates, Insurance. Move-in - Porch provides homebuyers with technology and a Home Assistant to simplify their move. Movers, Security, TV/Internet, Utility Setup Maintenance - Porch fulfills requests with fixed pricing and quality professionals. TV Mounting, Dryer Vent Cleaning, Carpet Cleaning, Gutter Cleaning
, HVAC, Handyman. Improvement - Porch supports larger home improvement requests through our pro network. Painting, Electricians, Plumbing, Remodeling, Roofing, Windows.

Kalepa is the Professional Grade AI underwriting platform trusted by top-tier insurers to accelerate profitable premium growth. We automate what slows underwriters down and amplify what makes them exceptional - covering the full workflow from submission intake and triage through to risk evaluation, quote and bind, and portfolio steering. Our clients include Berkley, Munich Re, Bowhead, Canopius, Paragon, and Secura. The results are measurable: 40% faster quote turnaround, 5–15% improvement in bind rates, and 960+ basis points of combined ratio improvement. Working at Kalepa means working on a genuinely hard problem - and seeing your work go live quickly and directly benefit clients. There's no such thing as boredom here. Every day brings something new, and there's always an opportunity to make a meaningful impact. The culture is built on hustle, grit, and transparency. We hire exceptional people who take pride in their craft. If you're energized by our mission and share our values - get in touch.

SafetyWing is here to make equal opportunities a global reality. We’re doing this by building a global social safety net, and all our products exist to fulfill this purpose. Think health insurance, income protection and retirement plans that are available to you wherever you’re from, and is with you wherever you go.

upcover is an AI-native Commercial Insurance Broker / MGA and a CB Insights Top 50 Global Insurtech, HQed in Australia. We have assisted thousands of Small, Mid-market and Technology Businesses with world class coverage and risk management solutions via our team of product specialists, our risk advisors, and upcover's extensive network 80+ local and global underwriting partners.

Today it takes over a week to get a single quote for landlord insurance. Steadily's goal is to change that to just five minutes by building a first-in-class experience for landlords. We aim to not only innovate within the landlord insurance quote process, but to really own the end-to-end experience of the landlord insurance funnel, starting from quote and going all the way through a user making a claim and receiving money.

Gradient AI is a leading provider of AI solutions for the Group Health and P&C insurance industries. Our solutions improve loss ratios and profitability by predicting underwriting and claim risks with greater accuracy, as well as reducing quote turnaround times and claim expenses through intelligent automation. Gradient AI’s SaaS platform leverages a vast industry data lake comprising tens of millions of policies and claims, providing insurers with high resolution, data-driven insights. Customers include some of the most recognized insurance carriers, MGAs, MGUs, TPAs, risk pools, PEOs, and large self-insured employers across all major lines of insurance. Founded in 2018, Gradient has experienced strong growth every year and recently raised $56 million in Series C funding from top Insurtech investors.

Evolution IQ provides a vertical Ai driven claims automation and intelligence platform for the world’s most innovative insurance companies. We’re delivering cognition and reasoning to one of the most data-rich but analytics-poor industries by unlocking their own 'dark data,' which have never before been ingested or used in a systematic tool. Evolution uses cutting edge advances in Natural Language Processing, transfer learning and unstructured data extraction to read and understand insurance claims like a human investigator would, but find anomalies and inconsistencies as only a computer can. The result is a scalable first line of defense against insurance claims fraud.

Cambridge Mobile Telematics (CMT) develops innovative mobile sensing technology and deep data analytics to change driving behavior and make roads safer around the world. CMT's products are being used daily by customers worldwide in popular mobile applications, triggering significant changes in the global insurance market. Founded by two MIT professors and experienced entrepreneurs (a spin-off from the CarTel research project), and located in Kendall Square in Cambridge, MA, CMT has attracted a strong team of computer scientists and business leaders. See cmtelematics.com for more information.