INSHARE
Risk management and insurance solutions for the sharing economy and gig economy
Overview
InShare is a sharing economy and gig economy MGA that underwrites niche insurance products for platform operators and gig workers, including ride-sharing companies (Uber, Lyft), home-sharing platforms, car-sharing services, and last-mile delivery operators (Amazon DSP). The company operates its own underwriting platform and works through global insurance and reinsurance market partners to place coverage for risks that traditional products have difficulty pricing.
The company's SMART Risk platform supports bespoke program development tailored to sharing economy clients. InShare has underwritten programs for occupational accident insurance for rideshare and gig delivery drivers in partnership with Skyward Specialty Insurance Group, and operates a digital claims platform in partnership with Snapsheet. The company also operates InShare Insurance Services Limited, an FCA-authorized subsidiary (FRN: 965006) headquartered in Alderley Edge, Cheshire, UK, serving European clients.
InShare was founded in 2019 by Mark Warnquist (CEO), Sean Fitzsimmons, and Andy Cohen, who collectively bring over 75 years of insurance industry experience including prior roles at ride-sharing companies. In August 2021 the company closed a USD 7.5M seed round from ManchesterStory Group, The Hive, and Avanta Ventures (a venture arm of CSAA Insurance Group).
Products & Services
Occupational Accident Insurance for Gig Workers
Insurance coverage for rideshare drivers, gig delivery drivers, and other independent contractors operating on sharing economy platforms. Launched June 2023 in partnership with Skyward Specialty Insurance Group.
Key Features
- Occupational accident coverage for independent contractor drivers
- Medical expense benefits
- Disability income benefits
- Death and dismemberment benefits
Target Users: Rideshare and last-mile delivery platform operators and their contracted drivers
Distribution: Direct to platform operators (B2B program placement)
Sharing Economy Platform Programs
Bespoke insurance programs for ride-sharing, car-sharing, home-sharing, and eMobility platform operators, underwritten through InShare's SMART Risk platform.
Key Features
- Commercial auto coverage for ride-sharing and car-sharing operators
- Property and liability coverage for home-sharing platforms
- eMobility and last-mile delivery coverage
- Custom program structures for non-standard platform risks
Target Users: Sharing economy platform operators across NA and EMEA
Distribution: Direct to platform operators (B2B program placement)
Final-Mile and Mid-Mile Delivery Programs
Country-wide insurance programs for Amazon DSP (Delivery Service Partners) and similar final-mile delivery operators.
Key Features
- Commercial auto for delivery fleets
- General liability for delivery operations
- Occupational accident for contracted drivers
Target Users: Last-mile and mid-mile delivery companies operating under platform contracts
Distribution: Direct to delivery operators and platform partners
At a Glance
- Founded
- 2019
- Headquarters
- Scottsdale, Arizona, USA
- Employees
- 11-50
- Funding
- USD 7.5M (Seed)
Category & Focus
- Category
- Specialty Solutions
- Insurance Verticals
- Specialty/E&S P&C Commercial Workers Compensation
- Target Customers
- Carriers, Brokers, Consumers
Links
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Last updated: 2026-06-03