Delos Insurance
- Company typePrivate
- Founded2017
- HeadquartersSan Francisco, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
Delos Insurance firmographics
Firmographics- Name
- Delos Insurance
- Legal name
- Delos Space Corporation
- Website
- https://getdelos.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Delos Insurance industry classification
Industry- Product category
- Wildfire Homeowners Insurance (Specialty Property Insurance)
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Catastrophe Modeling & Exposure Management (FSAOAIAB)
- akta.pro secondary industry
- Catastrophe Risk Modeling & Analytics Services (FSAOACAL)
Keywords
Where Delos Insurance is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Delos Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Insurance Premium Revenue: Delos operates as an MGA (Managing General Agent) earning revenue from insurance premiums. The company offers policies on behalf of partner insurance carriers (Homesite Insurance Company and Lloyd's of London) and earns commissions or underwriting revenue from these arrangements. Customers pay insurance premiums for homeowners coverage in wildfire-prone areas.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Homeowners insurance with coverage based on individual risk assessment |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
Delos Insurance product offering
Product offeringCore offering
Delos Insurance Solutions is a Managing General Agent (MGA) that underwrites and distributes homeowners insurance for properties located in wildfire-prone areas of California and other Western U.S. regions. Policies are issued by A-rated carrier partners including Homesite Insurance Company and Lloyd's of London, with coverage delivered exclusively through appointed independent insurance agents. Risk selection and pricing are powered by Delos' patented geospatial wildfire risk model that uses satellite imagery, NASA datasets, climate science, and AI to assess property-level wildfire risk.
Product overview
Delos Insurance Solutions operates as a Managing General Agent (MGA) offering homeowners insurance policies on behalf of A-rated carrier partners (Homesite Insurance Company and Lloyd's of London). The company provides two primary access channels: a customer-facing homeowner intake portal (customer.getdelos.com) where California homeowners request free quotes, and an agent-facing portal (app.getdelos.com) where agents quote, submit, and manage wildfire insurance policies. Both portals are powered by the company's proprietary wildfire risk modeling technology. The core offering is wildfire-exposed homeowners insurance — a single product line focused exclusively on covering homes in wildfire-prone regions of California and the broader Western United States.
Differentiator
Problem solved
Functional benefit
Products and services
- Wildfire Homeowners Insurance Homeowners insurance policies for properties in wildfire-prone areas of California and the broader Western United States, underwritten on behalf of A-rated carrier partners and priced using Delos' proprietary geospatial wildfire risk model. Coverage is delivered exclusively through appointed independent insurance agents and is positioned for homeowners facing non-renewal, premium shock, or inability to obtain coverage from traditional carriers.
- Delos Agent Portal A quoting, submission, and policy management platform used by independent insurance agents to bind and service Delos wildfire homeowners insurance policies. Agents must request appointment to join the Delos network, after which they access modern digital quoting tools and competitive commissions for placing wildfire-exposed risks that traditional carriers decline.
- Delos Customer Portal (Homeowner Intake) A self-service web intake where California homeowners request a free wildfire insurance quote by submitting address, home type, current carrier, and personal information. Inquiries are forwarded to one of Delos' appointed partner agencies, which then assist the homeowner in securing a Delos policy or, depending on risk type, a policy from another provider.
Quantifiable outcome
- Correctly predicted fire risk in locations that burned while other leading models failed
- +4 more outcomes
Companies that use Delos Insurance
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles2 records
Delos Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature4 records
Delos Insurance partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- ROAR PartnerscoreStrategic collaboration to deliver comprehensive disaster risk exposure strategy targeting wildfire-prone regions. Partnership aims to address the $110 billion+ protection gap created by January 2025 LA wildfires. Combines Delos' wildfire science expertise with ROAR's 'Future Proofing America Framework' to identify lower-risk development zones, form wildfire reduction alliances, and provide end-to-end investment, financial, and insurance solutions.
- InnSurecoreStrategic partnership with nonprofit innovation hub InnSure to broaden access to wildfire insurance and support resilience in high-risk communities across the Western U.S. Collaboration combines Delos' underwriting technology and wildfire risk analytics with InnSure's climate innovation platform and community engagement network to develop new insurance products tailored to catastrophe-prone areas.
- Lloyd's of LondoncoreLloyd's of London (A-rated) is one of the insurance carriers that issues Delos policies. As an A-rated carrier partner, Lloyd's provides the financial strength and insurance capacity behind Delos homeowners policies.
- Homesite Insurance CompanycoreHomesite Insurance Company (A-rated) is an insurance carrier partner that issues Delos policies. Delos operates as an MGA offering policies on behalf of Homesite.
- CAL FIREminorWorking relationship with CAL FIRE (California Department of Forestry and Fire Protection) to support wildfire resilience and risk mitigation efforts.
- California Fire Safety CouncilminorPartnership with California Fire Safety Council to advance fire safety initiatives and community resilience in wildfire-stressed areas.
- Guy CarpenterminorGlobal risk and reinsurance specialist broker listed as a partner on Delos website.
- AtriumminorInsurance partner listed on Delos website.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
Delos Insurance competitors and assessment
Company assessmentDirect peers
- Kin Insurance: Kin is a direct-to-consumer homeowners insurtech built around catastrophe-prone geographies (originating in Florida), using data-driven underwriting to price risk that incumbents avoid. Most directly comparable to Delos in product (homeowners P&C), target customer (high-cat-risk homeowners), and go-to-market (proprietary risk model + digital).
- Hippo Insurance: Hippo is a modern, tech-enabled homeowners insurance MGA using smart-home data, aerial imagery, and risk analytics to underwrite and price home policies. Closely comparable business model (MGA, data-led underwriting) and product category (homeowners), though with broader geographic footprint than Delos.
- Palomar Holdings: Palomar is a specialty property and casualty insurer with a heavy concentration in catastrophe-exposed lines (earthquake, wind, flood) written through MGAs and carrier partnerships. Comparable in catastrophe-specialist positioning and reliance on data-driven modeling, though Palomar is itself a carrier and public.
- Slide Insurance: Slide is a Florida-focused property insurer built around hurricane-exposed homeowner risks, using proprietary analytics to underwrite policies in catastrophe-stressed zones. Highly comparable in the catastrophe-area homeowners P&C niche that defines Delos, though Slide is hurricane rather than wildfire and operates as a carrier.
- Branch Insurance: Branch is a homeowners-focused insurtech that uses data and a digital agent platform to bind home, auto, and umbrella coverage. Comparable product mix (homeowners-led) and modern distribution approach, though Branch is more diversified across perils and geographies.
- Openly: Openly is a tech-enabled homeowners MGA serving independent agents with modern underwriting and pricing tools for high-value and standard homes. Closely aligned with Delos on MGA operating model and exclusive agent distribution.
- Tower Hill Insurance Group: Tower Hill is a Florida-based property insurer writing catastrophe-exposed homeowners coverage, often through exclusive agent networks. Comparable in catastrophe-property P&C focus and agent-driven distribution, though Florida hurricane rather than California wildfire.
Broad incumbents
- Lemonade: Lemonade is a much larger insurtech offering renters, homeowners, pet, and life insurance via a digital-first, AI-driven platform. Comparable in insurtech DNA and AI underwriting positioning, but broader product set, multiple geographies, and public-company scale dwarf Delos.
- Homesite Insurance: Homesite is a national direct-to-consumer homeowners carrier and is also one of Delos' carrier partners issuing Delos-underwritten policies. Relevant as both a competitor in homeowners P&C and as a strategic counterparty whose paper backs Delos' book.
Regional players
- Mercury Insurance: Mercury is a California-headquartered personal lines insurer with a significant homeowners book in the state. Comparable in California homeowners focus, though Mercury is an established carrier (not an MGA) and competes with Delos on the same customer base.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
Delos Insurance social profiles
Digital presenceDelos Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Delos Insurance leadership team
Management profileNumber of profiles
Profiles13 records
Delos Insurance funding detail
Funding detailFunding overview
Funding rounds8 records
Investors12 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Delos Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Delos Insurance
What does Delos Insurance do?
Delos Insurance Solutions is a Managing General Agent (MGA) that underwrites and distributes homeowners insurance for properties located in wildfire-prone areas of California and other Western U.S. regions. Policies are issued by A-rated carrier partners including Homesite Insurance Company and Lloyd's of London, with coverage delivered exclusively through appointed independent insurance agents. Risk selection and pricing are powered by Delos' patented geospatial wildfire risk model that uses satellite imagery, NASA datasets, climate science, and AI to assess property-level wildfire risk.
Is Delos Insurance a public or private company?
Delos Insurance is a private company. It is classified as venture growth investor backed and is currently operating.
When was Delos Insurance founded?
Delos Insurance was founded in 2017. It employs 11 to 50 people.
Where is Delos Insurance based?
Delos Insurance is headquartered in San Francisco, United States, in the North America region.
How does Delos Insurance make money?
One revenue line is on record: insurance Premium Revenue.
Who are Delos Insurance's main competitors?
Direct peers on record are Kin Insurance, Hippo Insurance, Palomar Holdings, Slide Insurance, Branch Insurance, Openly and Tower Hill Insurance Group. Broad incumbents are Lemonade and Homesite Insurance. Mercury Insurance is listed as a regional player.
Does Delos Insurance have an API?
No public API is recorded for Delos Insurance.
What industry is Delos Insurance in?
Delos Insurance's product category is Wildfire Homeowners Insurance (Specialty Property Insurance). Its primary akta.pro industry code is FSAOAIAB, Catastrophe Modeling & Exposure Management, with a secondary code of FSAOACAL, Catastrophe Risk Modeling & Analytics Services. Its NAICS code is 5242 and its SIC code is 6411.