# INSURATE > AI\-Driven Workers Compensation for High\-Hazard Industries ## At a glance | Field | Value | | --- | --- | | Category | Specialty Solutions | | Type | MGA | | Region | NA | | Headquarters | Omaha, Nebraska, USA | | Founded | 2019 | | Stage | Startup | | Employees | 11-50 | | Funding | USD 4.5M (Seed, 2021) | ## Overview INSURATE is a technology-enabled managing general agent (MGA) specializing in workers' compensation insurance for high-hazard industries and hard-to-place risks. The company combines deep workers' compensation expertise with artificial intelligence, predictive analytics, and data science to identify and underwrite best-in-class operators within dangerous industries, offering them better rates than traditional carriers. Founded in 2019 and headquartered in Omaha, Nebraska with operations in Seattle, Insurate was built by a team with extensive insurance industry experience and technology backgrounds. INSURATE's mission is to modernize high-hazard workers' comp for businesses that build and sustain America, rewarding safer companies through dynamic pricing and loss prevention initiatives. The company's proprietary Safe-Tier platform leverages AI and predictive analytics to assess hundreds of novel data points for more accurate risk evaluation -- without requiring additional audits or forms from insureds. The company targets best-in-class employers in industries such as construction, transportation and trucking, agriculture, power line construction, roofing, and commercial staffing -- all sectors typically penalized by broad industry classifications rather than their individual safety performance. ## Products & services ### Safe\-Tier Platform Proprietary AI and predictive analytics underwriting engine that analyzes hundreds of novel data points to score employer safety performance. The platform complements traditional underwriting and enables dynamic premium pricing that rewards companies with strong safety records -- all without requiring additional audits or forms from the insured. **Key features:** - Full workers' compensation coverage for hard\-to\-place risks - Dynamic premium pricing tied to actual safety performance - No additional audits or engagement required from the insured *Target users:* High\-hazard employers in construction, transportation, agriculture, *Distribution:* Wholesale and retail agents ### Workers' Compensation Insurance Comprehensive workers' compensation policies for high-hazard industries that are underserved by standard markets. Insurate specializes in risks that fall outside the narrow class code appetites of most traditional providers. **Key features:** - Construction - Transportation and trucking - Agriculture - Power line construction - Roofing - Commercial staffing *Target users:* Best\-in\-class operators in high\-hazard sectors who have been *Distribution:* Wholesale and retail agents ### Fractional Chief Safety Officer Program Launched in January 2024, this program pairs high-hazard businesses with industry expert safety analysis combined with AI technology for proactive loss prevention. **Key features:** - Industry expert safety analysis - AI\-powered loss prevention technology - Ongoing safety program support *Target users:* High\-hazard employers seeking ongoing safety guidance\. *Distribution:* Direct to employer ### Claims Management and Support In-house claims handling and loss control support services for insured employers, led by a Chief Claims Officer with 25+ years of carrier experience. ## Category & focus - Subcategories: Workers Compensation, MGA Platform, Underwriting & Risk - Insurance verticals: Workers Compensation, P&C Commercial, Specialty/E&S - Target customers: Employers ## Links - Website: - Directory profile: - News: - About: - Linkedin: --- *Last updated: 2026\-06\-03*