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Bonzah

Pre-purchase rental car insurance, licensed in all 50 US states.

Distribution & Sales Startup Seed
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Overview

Bonzah is an embedded insurance distribution platform for the car rental market, serving consumers and rental car companies across all 50 US states and Washington, DC. Operating as a trading name of Pablow, Inc., the company offers pre-purchase rental car insurance policies that serve as an alternative to collision damage waivers sold at the rental counter.

The platform delivers coverage through direct consumer sales and API-based integrations embedded into rental car booking workflows. Bonzah connects to car rental software platforms such as Loopit and VEVS, enabling rental operators to offer insurance options natively within their booking systems. Coverage products include collision damage waiver, liability, supplemental liability, and personal accident and effects insurance, with daily premiums starting at USD 7.99.

Bonzah completed a seed funding round in 2015 and participated in the Plug and Play accelerator program in 2019. The company has sold thousands of policies to travelers across the US and reports a 4.0/5 customer rating on review platforms.

Products & Services

Collision Damage Waiver (CDW)

Covers physical damage to the rental car body up to USD 35,000 per incident, with a USD 1,000 deductible. Excludes mechanical issues, theft, vandalism, and single-vehicle accidents.

Key Features

  • Coverage limit of USD 35,000 per incident
  • USD 1,000 deductible
  • Available for rentals in the US and Canada

Target Users: Individual travelers renting passenger vehicles

Liability Coverage (RCLI)

Provides minimum state-required bodily injury and property damage protection, with limits varying by state. Required for operating in all US jurisdictions.

Key Features

  • Meets minimum state-mandated liability requirements
  • No deductible on liability claims
  • Coverage for all licensed drivers aged 21 and older

Target Users: Consumers renting vehicles in the US

Supplemental Liability Insurance (SLI)

Extends liability protection beyond basic minimums, with combined limits of USD 300,000 to USD 500,000. Includes per-person limits of USD 100,000 for bodily injury and USD 10,000 for property damage, functioning as secondary coverage after primary insurance.

Key Features

  • Higher limits than base liability coverage
  • Secondary coverage position
  • Applicable for US and Canadian jurisdictions

Target Users: Frequent renters and travelers seeking higher liability protection

Personal Accident and Effects Insurance (PAI/PEI)

Limited medical coverage for renters and accompanying family members following accidents, plus protection for personal belongings. Excludes electronics, clothing, and baggage.

Key Features

  • Covers accidental medical expenses for renter and family
  • Personal effects protection (select items)
  • Bundled with other Bonzah coverage tiers

Target Users: Travelers who carry personal property during rentals

Platform Integration

API-based integration for car rental software platforms and booking systems. Rental operators embed Bonzah's insurance purchasing flow directly into the booking experience, with automated proof of coverage provided to the rental company at point of sale.

Key Features

  • RESTful API for rental platform integration
  • Native plugins for Loopit and VEVS car rental software
  • Automated proof of coverage delivery
  • 10-day free cancellation on policies

Target Users: Car rental operators and fleet management platforms

At a Glance

Founded
2010
Headquarters
Des Moines, Iowa, USA
Employees
1-10
Funding
Seed

Category & Focus

Category
Distribution & Sales
Subcategories
Embedded Insurance Rental Car Insurance Digital Storefronts
Insurance Verticals
P&C Personal Specialty/E&S
Target Customers
Consumers, Carriers

Customers

  • Loopit (car rental software for Avis, Sixt)
  • VEVS Car Rental Software
  • Envoy platform

Links

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Last updated: 2026-06-15