# Sure Insurance

> The AI layer for intelligent insurance, enabling carriers and brands to deliver digital insurance programs at enterprise scale\.

## At a glance

| Field | Value |
| --- | --- |
| Category | Insurtech Infrastructure |
| Type | Solutions Provider |
| Region | NA |
| Headquarters | Santa Monica, California |
| Founded | 2015 |
| Stage | Established |
| Employees | 201-500 |
| Funding | Series C - USD 123M total |

## Overview

Sure is an AI-native insurance infrastructure platform that provides enterprise SaaS and APIs enabling carriers, brands, managing general agents (MGAs), and e-commerce platforms to deliver complete digital insurance programs. Founded in 2015, the platform is purpose-built with AI agents embedded into every product component—from underwriting and rating through payments, claims handling, and customer service—rather than bolting AI onto legacy systems.

Sure serves Fortune 500 customers including Mastercard, Procter & Gamble, Volvo, and Chubb. The platform handles the complete insurance lifecycle through agentic AI: autonomous underwriting decisions land in auditable ledgers, claims triage and settlement run through AI-powered FNOL intake, and renewal conversations surface only exceptions that require human review. Every agent action exposes as callable tools for integration with external systems and other agents.

The company raised USD 100M in Series C funding (2021) at a USD 550M valuation, led by Declaration Partners and Kinnevik, with participation from W.R. Berkley, Menlo Ventures, and WndrCo. 2026 milestone: digital jewelry insurance platform launch with Jewelers Mutual featuring full lifecycle delivery from quote to claims.

## Products & services

### Underwriting AI

Automated policy rating and underwriting that applies filed rates, carrier splits, and binding authority. Prices policies and issues them in under one second, with every decision logged in an auditable ledger for compliance oversight.

**Key features:**

- Automated rating against released rates
- Carrier split and authority management
- Sub\-second policy binding
- Auditable underwriting ledger
- Complex logic handling

*Target users:* Carriers, MGAs, program managers

### Claims AI

Automates first notice of loss (FNOL) intake, triage, and settlement. Runs coverage verification and generates fully documented claims decisions with audit logs that integrate into adjuster CRM systems.

**Key features:**

- FNOL intake automation
- Coverage verification
- AI\-assisted settlement
- CRM system integration
- Audit trail generation

*Target users:* Carriers, Claims departments, Adjusters

### Payments AI

Manages fund movement across premiums, commissions, carrier sweeps, and refunds with automatic reconciliation against the policy ledger. Eliminates manual monthly close cycles for insurance-native payment processing.

**Key features:**

- Cross\-functional fund routing
- Automatic reconciliation
- No monthly close cycles
- Policy ledger integration
- Carrier sweep management

*Target users:* Finance teams, Carriers, MGAs

### Service AI

Handles renewal conversations and customer service interactions, automatically shipping complete session logs to customer CRM systems. Routes only calls requiring human judgment to live agents.

**Key features:**

- Renewal conversation automation
- Session logging to CRM
- Human routing for exceptions
- 24/7 availability
- CRM system integration

*Target users:* Customer service teams, Carriers, Marketplace platforms

### Verify AI & Launch AI

Coverage verification for active policies and rapid new insurance product launch support, enabling faster time-to-market for go-to-market acceleration.

**Key features:**

- Real\-time coverage checks
- Launch workflow automation
- Time\-to\-market reduction
- Implementation efficiency gains

*Target users:* Product teams, New program launches, Carriers

## Category & focus

- Subcategories: API platforms, underwriting automation, claims automation, payment processing
- Insurance verticals: P&C, Specialty/E&S, Commercial
- Target customers: Carriers, Brands, MGAs, Marketplace Platforms, SaaS Providers

## Notable customers

- Chubb
- Mastercard
- Mutual of Omaha
- Jewelers Mutual
- Procter & Gamble
- Volvo
- OneDigital
- Clara
- Roamly
- Revolut

## Links

- Website: <https://www.sureapp.com>
- Directory profile: <https://insurtechlist.com/companies/sure-insurance/>
- Linkedin: <https://www.linkedin.com/company/sure-insurance>
- Platform overview: <https://www.sureapp.com/solutions/platform/overview>
- Insurance products: <https://insurance.sureapp.com>

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*Last updated: 2026\-06\-17*