Name

Stand

Legal name

Stand Protect, Inc.

Website

https://standinsurance.com

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Catastrophe homeowners insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

SIC

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

akta.pro primary industry

Homeowners Insurance (FSAJACAA)

Keywords

• Property insurance technology
• Catastrophe-exposed homeowners
• Wildfire insurance underwriting
• Physics-based risk modeling
• Parcel-level digital twin

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Supply Chain, Infrastructure, Others

Revenue model

1. Homeowners insurance premiums (HO-5, catastrophe-exposed properties): Core recurring revenue stream: Stand writes direct bill HO-5 homeowners policies in catastrophe-exposed regions (initially California wildfire, expanding to Florida hurricane). Policies can be paid in full at inception or in quarterly installments; payment methods include ACH, credit card, and check via the Ascend payment partner. Revenue is recurring premium-based with risk priced per parcel.
2. Reinsurance risk transfer: Stand cedes risk to a panel of A-rated reinsurance partners (Arch, RenaissanceRe, Hannover, Nephila, Hiscox for Florida; 8–10 A+ and A-rated reinsurers overall), enabling underwriting capacity for high-value catastrophe-exposed homes.
3. Future Stand Umbrella and Stand Collections product lines: Planned adjacent insurance products: personal umbrella liability ($1M–$10M) sitting on top of home/auto/watercraft, and scheduled coverage for fine art, jewelry, and wine, underwritten with the same property-level physical-world view. Not yet revenue-generating as of source data.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Stand writes state-licensed homeowners insurance (HO-5, all-risk) for high-value, catastrophe-exposed U.S. properties — initially California wildfire and Florida hurricane — priced and underwritten by its proprietary Stand World Model, a physics-based AI digital twin that simulates wildfire, hurricane wind/surge, severe convective storm, flood, and earthquake at parcel scale. Policies are bound on A-rated or better carrier and reinsurance paper, paired with field inspections and quantified mitigation credits that translate specific property hardening (defensible space, ember-safe vents, FORTIFIED roof, hurricane straps) into premium reductions. Distribution combines a direct-to-consumer online quote flow with an independent broker/MGA appointment program and broker portal.

Product overview

Stand offers a vertically integrated, platform-plus-products architecture: at the core is the proprietary Stand World Model (Frontier), a physics-based AI risk engine that builds a parcel-level digital twin of every property and simulates five perils (wildfire, hurricane, severe convective storm, flood, earthquake) to drive underwriting, pricing, and mitigation-credit decisions. On top of that engine, Stand sells state-licensed homeowners insurance products — the Stand HO-5 California Homeowners Policy for wildfire-exposed high-value homes, the Stand HO-5 Florida Homeowners Policy for hurricane-exposed homes, and the open-market Florida Hurricane Insurance Program (launched June 2026) — supported by a Broker Appointment Program and Broker Portal for distribution and a Claims/First Notice of Loss workflow with an Emergency Response Program for active wildfire events. The standalone Stand Labs research platform and Stand Climate Data Commons (public STAC catalog) publish the underlying science and datasets, while the upcoming Stand Umbrella and Stand Collections extensions will layer personal umbrella liability and scheduled coverage (fine art, jewelry, wine) on top of the existing homeowners line. Stand Protect, Inc. (d/b/a Stand Insurance Solutions) is a licensed insurance producer in California (License #6014213) and partners with an A-rated or better carrier and reinsurers.

Differentiator

Problem solved

Functional benefit

Brands

• Stand World Model: Frontier physics-based AI simulation model that powers Stand's property-level underwriting across wildfire, hurricane, severe convective storm, flood, and earthquake perils.
• Stand Labs

Products and services

• Stand HO-5 California Homeowners Policy All-risk (open-perils) HO-5 homeowners policy engineered for high-value California wildfire-exposed homes ($2M–$20M+ in the wildland-urban interface); includes replacement-cost dwelling with land stabilization, worldwide replacement-cost personal property, 30 days of civil-authority evacuation ALE, debris removal, sewage backup, and wildfire resilience benefits tied to defensible-space and home-hardening work; underwritten via the Stand World Model plus field inspection and delivered on A-rated or better carrier paper.
• Stand HO-5 Florida Homeowners Policy (wind-inclusive hurricane coverage) Purpose-built HO-5 homeowners policy for high-value Florida hurricane-exposed homes; wind and surge built in (not a separate policy or deductible), full replacement-cost dwelling with inflation guard, mitigation credits for FORTIFIED roofing, impact glass, hurricane shutters, and straps verified at inspection, 30 days of mandatory-evacuation ALE, and bundled extras (debris removal, sewage backup, landscaping, refrigerated property, data); priced using the Stand World's hurricane wind/surge simulator plus field inspection.
• Stand Florida Hurricane Insurance Program (voluntary open-market product) Stand's first voluntary/open-market hurricane insurance product in Florida, launched June 2026, extending the Stand World Model to wind-exposed homes; uses physics-based simulation to evaluate individual property resilience and offers premium reductions of up to 40% on completion of qualifying mitigation upgrades such as roof anchor clips and water shut-off valves; backed by named reinsurers Arch, RenaissanceRe, Hannover, Nephila, and Hiscox.
• Stand World Model (Frontier) Stand's flagship physics-based, AI-accelerated risk engine; builds a parcel-level digital twin (real lot geometry, vegetation, topography, and building detail) and simulates five perils — wildfire, hurricane, severe convective storm, flood, and earthquake — on a single physics-native architecture; validated against the Palisades Fire (78% match on 18 sample homes vs. 44% for location-only models) and powers Stand's underwriting, pricing, and mitigation-credit decisions.
• Stand Labs Stand's applied-science publishing platform releasing research notes, datasets, and field guidance covering fire-hazardous vegetation, physics-based modeling, the Stand World Model, and climate data infrastructure; the same physics Stand uses to underwrite homes the market still treats as unquoteable.
• Stand Climate Data Commons (STAC catalog) Stand's open-access public-data initiative that aggregates, cleans, and centralizes federal environmental data (LANDFIRE fuel/topography, FSim burn probability, USGS LiDAR/GIS, NOAA atmospheric models), exposed via a SpatioTemporal Asset Catalog (STAC) for researchers, nonprofits, and public agencies.
• Stand Umbrella (upcoming) Upcoming personal umbrella liability product offering $1M–$10M of liability sitting on top of a homeowner's existing home, auto, and watercraft policies, underwritten with the same physical-world view Stand applies to the structure itself.
• Stand Collections (upcoming) Upcoming scheduled coverage for fine art, jewelry, and wine — appraisal-aware, with environmental risk factored in for the rooms and vaults they live in.
• Stand Claims / First Notice of Loss Stand's claims intake and emergency-mitigation program; homeowners file a First Notice of Loss via the Stand Claims portal (California and Florida); claims are routed to local teams with 24/7 support at 1-888-319-1332, and an adjacent vendor directory covers water extraction, board-up, tarping, and drying; includes an Emergency Response Program for active wildfire events.
• Stand Broker Appointment Program & Broker Portal Self-serve broker appointment intake for California and Florida plus a portal at portal.standinsurance.com for appointed brokers; provides A- or better paper, 48-hour submission-to-estimate turnaround, and parcel-level underwriting with quantified mitigation credits while keeping the broker as agent of record.
• Stand Emergency Response Program Stand's hands-on emergency response for wildfire events: includes live fire-perimeter monitoring, proactive homeowner outreach, on-the-ground property visits, and standby firefighting coordination, and is integrated with the broader claims and mitigation workflow.

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability11 records

Feature6 records

Partnerships

Nine partnerships are on record, tiered core reinsurance capacity, flagship technology partnership, minor research reference, core underwriting capacity and founding-affiliated fund.

• Arch Reinsurancecore reinsurance capacityStrategic or Co-development Partner · 18 June 2026Arch is one of the named reinsurers backing Stand's first open-market Florida hurricane insurance program launched June 18, 2026. Stand is supported by 8–10 A+ and A-rated reinsurers overall.
• RenaissanceRecore reinsurance capacityStrategic or Co-development Partner · 18 June 2026RenaissanceRe is one of the named reinsurers backing Stand's voluntary Florida hurricane insurance offering launched June 2026.
• Hannover Recore reinsurance capacityStrategic or Co-development Partner · 18 June 2026Hannover is one of the named reinsurers backing Stand's voluntary Florida hurricane insurance offering launched June 2026.
• Nephilacore reinsurance capacityStrategic or Co-development Partner · 18 June 2026Nephila is one of the named reinsurers backing Stand's voluntary Florida hurricane insurance offering launched June 2026.
• Hiscoxcore reinsurance capacityStrategic or Co-development Partner · 18 June 2026Hiscox is one of the named reinsurers backing Stand's voluntary Florida hurricane insurance offering launched June 2026.
• Frontline Wildfire Defenseflagship technology partnershipStrategic or Co-development Partner · 26 May 2026Stand and Frontline Wildfire Defense announced a partnership on May 26, 2026 to provide premium discounts to California homeowners who install Frontline's exterior wildfire defense technology. Stand's physics model demonstrated up to a 60% decrease in modeled risk for homes with Frontline systems. Targets California's estimated $1.3 trillion wildfire coverage gap.
• Oregon State University (referenced for wave-tank experiment data)minor research referenceStrategic or Co-development Partner · 28 April 2026Stand cites an Oregon State University wave-tank experiment with two scale houses as part of the validation evidence for the Stand World Model capturing wave-induced damage cascades.
• Unnamed A-rated carrier partnercore underwriting capacityOEM/ Whitelabel/ Licensing Partner · 16 October 2025Stand issues HO-5 policies through an A-rated or better carrier partner (AM Best A- or better); carrier is unnamed in source material. Provides the paper for policies written by Stand.
• Convective Capitalfounding-affiliated fundStrategic or Co-development Partner · 1 December 2024Convective Capital was founded by Stand co-founder Bill Clerico and is described as the world's leading wildfire venture technology fund. Invests in firetech / resiliency businesses.

Scale indicators12 records

Recent moves9 records

Expansion highlights7 records

Broad incumbents

• Lemonade: Public AI-native insurance carrier spanning renters, homeowners, auto, and pet insurance. Comparable in AI-led underwriting and digital-first GTM, and a benchmark for insurtech scale, but broader in product mix and less specialized in catastrophe-exposed high-value homes.
• Munich Re: One of the world's largest reinsurers and a partner-class incumbent in the catastrophe reinsurance market Stand writes against. Relevant as a counterparty and as a benchmark for the scale of capital that ultimately backs Stand's policy paper.

Direct peers

• Slide Insurance: Florida-headquartered homeowners insurer that grew aggressively by taking policies out of Citizens depopulation. Closest analogue to Stand's Florida entry path and to writing high-value hurricane-exposed homes the standard market has shed.
• Heritage Insurance Holdings: Florida-focused personal property insurer with significant catastrophe exposure and a public-market track record navigating the same hard market Stand is targeting. Comparable in catastrophe-heavy book and broker-distributed model.
• Hippo Insurance: Tech-forward homeowners insurance MGA that pairs policy issuance with smart-home device partnerships and a focus on newer/renovated homes. Comparable in MGA distribution model and tech-led GTM, though broader in geography and home-value band than Stand.
• PURE Group (Privilege Underwriters Reciprocal Exchange): Member-owned reciprocal insurer for high-net-worth homeowners, focused on catastrophe-prone regions with all-risk coverage and mitigation services. The closest direct peer to Stand's high-value homeowner focus in wildfire-exposed coastal markets, and notably a documented prior employer of Stand's team.
• Kin Insurance: Direct-to-consumer homeowners insurance that built a beachhead in catastrophe-exposed Florida before expanding into other states. Shares Stand's high-growth, technology-led approach to catastrophe markets and similar core customer (homeowners shed or non-renewed by standard carriers).
• Openly: Premium homeowners insurance MGA distributing through independent agents with a focus on higher-value homes. Comparable in independent-broker distribution model and high-value homeowner target, though not specifically catastrophe-focused like Stand.
• Palomar Holdings: Public specialty property insurer that writes catastrophe-exposed residential and commercial risks across the US, using proprietary data and modeling to underwrite where standard carriers retreat. Most directly comparable to Stand in business mix (catastrophe-exposed specialty property) and use of differentiated analytics, though at a much larger scale and via admitted paper rather than Stand's MGA structure.

Emerging players

• Neptune Flood: Insurtech focused exclusively on flood insurance, a peril Stand covers inside its World Model. Useful comparable for evaluating how a single-peril technology-led carrier can scale via independent distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/standinsurance

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds2 records

Investors9 records

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

M&A

Investments

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

Frequently asked questions about Stand