Tinubu

Cloud SaaS platform for specialty insurance: trade credit, surety, and political risk.

Core Administration Growth Series C+

Overview

Tinubu is a core administration and underwriting platform for specialty insurance carriers, brokers, and agents, focused on trade credit, surety/bonds, and political risk lines. Founded in 2000 in Paris as Tinubu Square, the company rebranded to Tinubu and now serves approximately 50 carriers and 150+ brokers and agents across more than 30 countries on five continents.

The platform covers the full specialty insurance lifecycle -- policy administration, underwriting, distribution, and claims -- delivered as multi-tenant cloud SaaS. A headless API suite (Tinubu Developer Experience / TDX) enables integration with carrier systems, agency management platforms, and third-party data sources. In 2025 and 2026, the company expanded into agentic AI, launching an AI-native underwriting platform with autonomous agents for submission triage, document ingestion, financial analysis, and risk scoring. The same period saw the acquisition of Innoveo, a no-code enterprise software provider, to support new-line launches across cyber, marine, A&H, and aviation.

Tinubu serves 1,500+ customers globally, with 30 of the top 60 global credit and surety underwriters and 77% of the top 30 US surety underwriters on the platform. In May 2025, the company raised USD 45M in a growth round led by Morgan Stanley Expansion Capital and Long Arc Capital, bringing total funding to USD 147M.

Products & Services

Tinubu Trade Credit

End-to-end policy, risk, and claims management for trade credit insurance carriers. Covers the full policy lifecycle: administration, underwriting, distribution, and claims processing.

Key Features

Policy administration and lifecycle management for trade credit lines
Underwriting automation with risk scoring and exposure management
Claims workflow automation with distribution connectivity

Target Users: Trade credit insurance carriers

Tinubu Surety (TSC and TSBA)

Surety platform in two editions: Tinubu Surety for Carriers (TSC) and Tinubu Surety for Brokers and Agents (TSBA). The 2026 release includes a new rating engine, connected carrier-broker workflows, and AI-powered underwriting tools.

Key Features

Real-time premium calculation with configurable base premium, modifiers, fees, and overrides
Digital integration between carrier and broker platforms
AI-powered underwriting workbench with document ingestion and financial analysis
BondImport.ai for AI-driven bond data extraction and validation
SuretyQL and TransSync real-time API and event-based data delivery
Surety Copilot AI assistant for data querying and workflow acceleration
Bond Data API for machine-to-machine integration with Salesforce and agency systems
Tinubu Developer Experience (TDX) headless API suite with OAuth 2.0

Target Users: Surety carriers, brokers, and agents

Tinubu AI-Native Underwriting Platform

Launched March 2026. An agentic AI platform for specialty insurance underwriting, initially supporting surety, trade credit, accident and health, and political risk lines. Planned expansion covers general liability, E&S, marine, and aviation.

Key Features

Agentic AI orchestration with autonomous submission triage and task execution
Real-time portfolio intelligence with embedded exposure and concentration tracking
Unified workspace centralizing submissions, tasks, compliance, and audit trails
AI-powered submission triage against risk appetite frameworks
Legacy system integration without replacing core platforms

Target Users: Specialty insurance carriers and underwriting teams

Tinubu Innoveo (No-Code Platform)

Acquired in 2025. A no-code enterprise software platform enabling insurers to configure and launch new products and lines without custom development. Supports accident and health underwriting, excess and surplus underwriting, cyber underwriting, specialty claims, and policy administration.