CUVRO

White-label digital insurance distribution platform for Puerto Rico

Distribution & Sales Startup Bootstrapped

Overview

CUVRO is a white-label insurance distribution platform for brokers, agents, carriers, and MGAs, selling life, pet, travel, and critical-illness insurance in Puerto Rico. The company describes itself as the first fully Puerto Rican digital general insurance agency, and its platform is sponsored by POP LLC, a general agency licensed by the Insurance Commissioner's Office of Puerto Rico.

The platform gives producers a branded digital storefront with real-time API connections into carrier systems for quoting, binding, and policy management, replacing manual, paper-based sales processes. CUVRO currently offers seven live insurance products: locally underwritten pet insurance, two life insurance products, one travel insurance product, and three critical-illness and cancer policies, with stated plans to expand into home, auto, and electronics coverage.

CUVRO was launched in November 2022 as POP Insured by cofounders Gabriel Casellas and César Campillo, rebranding to CUVRO in 2023 alongside the launch of its pet insurance line. The company is bootstrapped, funded by an initial USD 200K founder investment plus an accelerator grant, and was selected for Parallel18's Generation 11 startup accelerator in 2023. As of an August 2023 profile, it had built personalized platforms for five producers and agencies, with carrier and distribution partners including Chubb, Mapfre, Assurant, Marsh, and HUB International.

Products & Services

Seamless Carrier Integration

Core technology layer providing real-time API connections to insurance carriers for quoting, issuance, and policy management from a single platform, removing the need for producers to work across multiple disconnected carrier portals.

Key Features

Real-time quoting, binding, and policy management APIs
Direct connections to multiple insurance carriers
Single platform replacing manual, paper-based sales processes

Target Users: Independent brokers, agents, and carriers

White-Label & Embedded Insurance Platform

Fully branded, customizable digital storefront that agents, brokers, and consumer brands can present as their own, enabling embedded insurance offers and personalized sales channels without building technology in-house.

Key Features

Branded, personalized storefront per producer
Embedded insurance offers for consumer brands
No in-house technology build required

Target Users: Agents, brokers, MGAs, and consumer brands

Digital Insurance Programs

Seven insurance products built on the CUVRO platform, spanning pet, life, travel, and critical-illness coverage, with stated plans to add home, auto, and electronics lines.

Key Features

Pet insurance (locally underwritten, first of its kind in Puerto Rico)
Two life insurance products
One travel insurance product
Three critical-illness and cancer policies

Target Users: Consumers purchasing through CUVRO-powered producer storefronts

Automation & Workflow Tools

Back-office automation for policy management, underwriting support, and operational efficiency aimed at reducing paperwork and manual processing for participating carriers and agencies.

Target Users: Carriers and agencies operating on the CUVRO platform

At a Glance

Founded: 2022
Headquarters: San Juan, Puerto Rico
Funding: Bootstrapped

Category & Focus

Category: Distribution & Sales
Subcategories: White-Label Platforms Embedded Insurance Digital Agency Storefronts
Insurance Verticals: Life & Annuity P&C Personal Specialty/E&S
Target Customers: Brokers, Agents/Agencies, Carriers, MGAs/MGUs