What INSHUR does

INSHUR is a digital-first commercial auto insurance platform serving the on-demand economy across three markets: the United States, the United Kingdom, and the Netherlands. Founded in 2016 in New York City as a TLC-licensed insurance provider for Uber drivers, the company has expanded into a multi-product, multi-geography insurance distributor with 100,000+ active US drivers, 1,000,000+ UK policies sold cumulatively, and 50,000+ commercial vehicles insured through its American Business Insurance Services (ABI) subsidiary acquired in April 2023.

The technology stack centers on a digital insurance platform with a real-time AI-based pricing and underwriting engine, mobile applications for quote-to-claim self-service, and a pay-as-you-go wallet system that bills per-minute only when a driver is active on a delivery platform. Proprietary integrations ingest platform-level usage data from Uber, DoorDash, and Amazon Flex, enabling usage-based pricing in products such as Pay-As-You-Dash and Pay-As-You-Flex. The platform is regulated through FCA-authorized Inshur UK Limited (firm reference 916800), AFM-supervised Inshur B.V. in the Netherlands, and US-state-licensed INSHUR, Inc.

INSHUR monetizes through three revenue streams: traditional insurance premiums from TLC, livery, private hire, courier, and commercial vehicle policies (subscription/recurring); per-minute usage-based premiums from pay-as-you-go products (usage-based); and carrier commissions shared with platform partners for embedded referral traffic (licensing/royalties). Distribution is product-led-growth with a direct-to-consumer digital self-serve model, supplemented by embedded partnerships with Uber (NYC TLC preferred partner), DoorDash, Amazon Flex, and exclusive broker relationships (JW Verzekeringen in the Netherlands; ABI for US Uber Black). The company has raised approximately $80.5M across multiple rounds through July 2025 and has publicly targeted a $100M revenue run rate.

Name

INSHUR

Legal name

Inshur UK Limited

Website

https://inshur.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

251–500 employees

Short description

INSHUR is a digital-first commercial auto insurer serving gig-economy drivers across the US, UK, and Netherlands via embedded partnerships with Uber, DoorDash, and Amazon Flex, offering TLC, livery, private hire, and pay-per-minute delivery insurance products.

Ownership category

akta.pro rank

Product category

Commercial Auto Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Public Auto / Livery (Taxi, Rideshare, Shuttle) (FSAJABAH)

akta.pro secondary industries

Rideshare (TNC) Personal Auto Insurance (FSAJAAAI), Commercial Auto & Fleet Insurance (FSAJAMAB)

Keywords

• Commercial auto insurance
• Rideshare driver insurance
• TLC taxi insurance
• Gig economy insurance
• Usage-based delivery insurance

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance premiums: Collection of insurance premiums from policyholders across commercial auto, TLC, rideshare, and delivery insurance products. Revenue derived from difference between premiums collected and claims paid out, minus operating costs.
2. Usage-based insurance: Pay-per-minute insurance model for active driving/delivery shifts (Pay-As-You-Dash, Pay-As-You-Flex). Drivers fund a digital wallet and are charged per minute of active platform use.
3. Policy fees and commissions: Commissions earned from insurance carriers for placing policies. Revenue shared with platform partners for referral traffic.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels3 records

Core offering

INSHUR sells commercial auto insurance products to on-demand economy drivers across the US, UK, and Netherlands through a digital-first platform. Its portfolio covers New York TLC insurance for Uber rideshare drivers, livery insurance for Uber Black drivers (via acquired ABI), UK private hire and taxi insurance, food and parcel delivery driver insurance (Deliveroo, Uber Eats, Yodel, DHL), and usage-based pay-as-you-go products integrated with DoorDash (Pay-As-You-Dash) and Amazon Flex (Pay-as-you-Flex). All coverage is quoted, purchased, managed, and claimed online.

Product overview

INSHUR is a digital-first commercial auto insurance platform offering flexible, on-demand insurance solutions for the on-demand economy. The platform operates across three markets (US, UK, Netherlands) with region-specific product portfolios. In the US, the core offerings include New York TLC Insurance (Uber-preferred), Livery Insurance for Uber Black drivers (via acquired ABI), and Pay-As-You-Dash for DoorDash delivery drivers. In the UK, products span Uber Private Hire, Private Hire (PCO taxi), Fast Food Delivery, Courier, Pay as you Flex (Amazon Flex), Commercial Vehicle, and EV Private Hire insurance. All products share a digital-first approach with online quote, purchase, and management capabilities, flexible payment options (30-day or annual policies), and pricing that rewards driver performance. The platform differentiates through embedded insurance integrations with major platforms (DoorDash, Amazon Flex, Uber), AI-driven underwriting and real-time pricing, and a focus on gig economy workers who need flexible, usage-based coverage.

Differentiator

Problem solved

Functional benefit

Brands

• Pay-as-you-Flex: A pay-as-you-go supplementary insurance product for Amazon Flex delivery partners in the UK, where drivers only pay for the minutes they drive during delivery blocks.
• Pay-As-You-Dash

Products and services

• Pay-As-You-Dash Pay-as-you-go vehicle collision damage insurance coverage for active deliveries on the DoorDash platform in the US. Drivers fund a digital wallet with automatic top-ups and pay only for time actively delivering, with a 90-day price lock.
• New York TLC Insurance New York City Taxi and Limousine Commission (TLC) insurance preferred by Uber, with Silver and Gold coverage tier options including bodily injury liability ($100,000/$300,000), no-fault coverage ($200,000), property damage liability ($10,000), and physical damage with $1,500 deductible. Available with monthly or annual billing.
• Livery Insurance (Uber Black) Personalized livery insurance for Uber Black drivers across the USA, provided through American Business Insurance Services (ABI) for liability, collision, and comprehensive coverage of luxury livery vehicles.
• Uber Private Hire Insurance (UK) UK car insurance for Uber drivers covering Third Party to Comprehensive Plus with Social, Domestic & Pleasure use included. Offers 30-day or annual policies with pricing rewards based on Uber driver score, and automatic policy document delivery to Uber via the instadoc feature.
• Private Hire Insurance (UK) Flexible minicab insurance for UK private hire drivers covering pre-booked journeys for platforms like Bolt, Ola, and FREENOW. Meets mandatory PCO and local authority licensing requirements, with 30-day or annual terms and monthly premium finance options.
• Fast Food Delivery Insurance (UK) Hire and reward insurance for UK food delivery drivers covering Uber Eats, Deliveroo, Just Eat, and similar platforms. Supports cars, vans, scooters, and mopeds with multi-platform compatibility.
• Courier Insurance (UK) Delivery driver insurance covering carriage of goods for payment in the UK, supporting Yodel, DHL, Evri, and parcel delivery. Includes Social, Domestic & Pleasure coverage alongside hire and reward use.
• Pay-as-you-Flex (UK) Pay-as-you-go supplementary Hire and Reward insurance for UK Amazon Flex delivery partners. Drivers pay per minute for actual delivery time with auto top-ups, covering 15 minutes of commuting and 30 minutes of overtime, with auto-renewal and a 7-day opt-out.
• Commercial Vehicle Insurance (UK) UK van insurance for tradespeople including builders, electricians, plumbers, and cleaners. Covers tools and public liability alongside vehicle protection, with 30-day or annual terms and monthly installments via premium finance.

Quantifiable outcome

• Over 1 million UK policies sold
• +3 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability7 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core and flagship.

• American Business Insurance Services (ABI)coreStrategic or Co-development Partner · 20 April 2023INSHUR acquired American Business Insurance Services (ABI) in April 2023 to expand US operations. ABI, established in 1983, insures over 50,000 vehicles and brings over 40 years of commercial auto insurance expertise. The acquisition combined INSHUR's technology platform with ABI's extensive US market experience and carrier relationships. ABI now provides INSHUR's Uber Black livery insurance products.
• UberflagshipGTM or Marketing PartnerINSHUR is the only Uber-preferred TLC insurance provider in New York City. Partnership enables direct referrals from Uber platform and integration of insurance documents directly to Uber systems. INSHUR sends policy documents to Uber automatically upon purchase.
• DoorDashcoreGTM or Marketing PartnerINSHUR offers Pay-As-You-Dash vehicle collision damage insurance specifically designed for DoorDash delivery drivers. Platform data integration enables usage-based pricing.
• Amazon FlexcoreGTM or Marketing PartnerINSHUR Pay-As-You-Flex insurance is embedded within the Amazon Flex app onboarding flow. Amazon shares delivery data with INSHUR to enable pay-per-minute pricing. Partnership enables automatic insurance verification for Amazon Flex partners.
• JW VerzekeringencoreChannel Partner/ Reseller/ DistributorJW Verzekeringen is INSHUR's exclusive broker partner in the Netherlands. They provide personalized advice and custom quotes for taxi and business auto insurance. INSHUR products are distributed exclusively through JW Verzekeringen for Dutch market.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Zego: UK-based InsurTech providing pay-as-you-go and annual commercial auto insurance for gig drivers, rideshare, and delivery couriers. Most direct competitor to INSHUR in the UK private-hire/delivery market.
• By Miles: UK usage-based personal auto insurer using telematics-based pay-per-mile pricing. Highly comparable to INSHUR's pay-per-minute pay-as-you-go products in pricing model and digital-first experience.
• Thimble: US-based on-demand insurance provider offering short-term and per-event liability insurance for gig workers, including rideshare, delivery, and personal services. Comparable digital-first, flexible-duration model.

Emerging players

• Buckle Insurance (formerly gh5): Digital insurance platform specializing in rideshare and gig economy drivers in the US, offering similar TLC and TNC-focused products to INSHUR.
• Next Insurance: Digital SMB commercial insurance carrier using AI underwriting to provide tailored coverage to small businesses, including commercial auto. Comparable AI-driven underwriting and SMB digital experience.
• CoverWallet: Digital commercial insurance brokerage (acquired by Aon) targeting small businesses with online quoting and policy management. Comparable digital-first commercial insurance distribution model.
• Slice Labs: Cloud-native insurance platform powering on-demand and embedded insurance products for the gig and sharing economy. Comparable technology architecture and gig economy focus.

Broad incumbents

• Progressive Commercial: Large US commercial auto insurer offering commercial auto, livery, and rideshare coverage through direct and agent channels. Major incumbent competitor with deeper US carrier relationships.
• GEICO Commercial Auto: Major US auto insurer with commercial auto and rideshare products. Cited as a relevant incumbent due to brand recognition and direct-to-consumer distribution scale.
• Lemonade: Public digital insurance carrier expanding into auto; while not a direct commercial-auto peer, shares the AI-driven, mobile-first InsurTech DNA and demonstrates the public-market InsurTech exit path.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/inshur
• Xx.com/inshurinsurance
• Facebookfacebook.com/inshurinsurance

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds8 records

Investors7 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about INSHUR