# Baozhunniu

> China's big data\-powered platform for customized insurance products targeting niche and emerging market segments

## At a glance

| Field | Value |
| --- | --- |
| Category | Specialty Solutions |
| Type | Solutions Provider |
| Region | APAC |
| Headquarters | Beijing, China |
| Founded | 2015 |
| Stage | Growth |
| Funding | Series C+ |

## Overview

Baozhunniu (保准牛) is a Beijing-based insurtech platform specializing in customized insurance products for niche and fragmented consumer markets in China. Founded in August 2015 and legally registered as Beijing Youquan Zhihui Information Technology Co., Ltd., the company applies big data and AI technology to design and deploy insurance products tailored for emerging economy segments -- shared economy, sporting events, gig workers, food delivery, and employer risk -- that traditional insurers have historically overlooked.

Operating a B2B2C model, Baozhunniu licenses its platform to insurers and distribution partners, who embed white-label products directly in their customer journeys. The company claims to have served over 500 sporting events and organizations, and more than 3,500 enterprise clients as of 2017, with notable platform customers including ofo, Baidu Waimai, and 58 Express. As of January 2026, the company announced an "insurance full-stack AI ecosystem" integrating AI across underwriting, risk assessment, and claims processing.

Baozhunniu has raised three rounds of funding totaling approximately USD 18.5M from investors including Marathon Venture Partners, Matrix Partners China, China Merchants Innovation Investment Fund, Ally Capital, and Huazhi Capital.

## Products & services

### Baozhun Innovation Customization

Tailored insurance products for new economy sectors including shared economy platforms, O2O, medical aesthetics, and education. Enables internet platforms to embed insurance within their services.

**Key features:**

- Custom product design for fragmented consumer scenarios
- White\-label embedding for internet platforms
- Big data\-driven risk pricing

*Target users:* Internet startups, sharing economy operators, O2O platforms

### Baozhun Employer \(雇主保\)

Enterprise employment risk solutions covering workplace injury, group accident, and employer liability. Designed for manufacturing and service industries.

**Key features:**

- Coverage for 400\+ million workers across Chinese industries
- One\-stop employer risk management
- HR platform integration

*Target users:* Employers, HR platforms, staffing companies

### Baozhun Sports

Insurance products for sports events, athletes, organizers, spectators, and performers covering 280+ sports activities.

**Key features:**

- Specialized coverage for amateur and professional sports
- Event organizer liability
- Athlete personal accident coverage

*Target users:* Sporting event organizers, sports clubs, institutions

### Baozhun Health

Individual and family health insurance with an integrated "medicine + insurance" model.

**Key features:**

- Short\-term personal accident and health products
- Fitness platform integrations
- Medical services integration

*Target users:* Individual consumers, fitness platforms, health apps

### Study Abroad Insurance \(卓越留学安心保\)

Customized insurance products for Chinese students studying abroad.

*Target users:* Students, educational institutions

## Category & focus

- Subcategories: Embedded Insurance, Customized/Niche Product Design, Employer Risk Solutions
- Insurance verticals: P&C Personal, P&C Commercial, Workers Compensation, Specialty/E&S, Group Benefits
- Target customers: Carriers, Employers, Consumers

## Notable customers

- ofo \(bike\-sharing platform\) \-\- "单车骑行保" cycling coverage
- Baidu Waimai \(food delivery\) \-\- "骑士保" and "众包保" delivery worker coverage
- 58 Express
- Renrendai\.com \(P2P lending platform\)
- Missfresh \(NASDAQ\-listed grocery platform\)
- Maimai \(professional network\)

## Links

- Website: <https://www.baozhunniu.com>
- Directory profile: <https://insurtechlist.com/companies/baozhunniu/>
- Employer product: <http://www.baozhunniu.com/employer/home>
- Study abroad product: <http://m.oversea.baozhunniu.com/>

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*Last updated: 2026\-05\-11*