What Joshu does

Joshu, Inc. is a Menlo Park-based insurance technology company, founded in 2020 by CEO Roy Mill and CTO Shimi Bornstein, that operates an AI-native, MCP-enabled (Model Context Protocol) platform serving insurance carriers, managing general agents (MGAs), and wholesale brokers. The platform consolidates the full insurance lifecycle — product configuration, underwriting, rating, quoting, binding, policy issuance, renewals and endorsements, and distribution — into a single integrated system, with each product shipping alongside a branded broker storefront on a joshu.store subdomain. Its central technical differentiator is no-code, plain-language product configuration: users describe desired changes to products, rates, documents, or rules and the system applies them live without engineering tickets or release cycles.

The platform is organized into modular products (Submissions, Quotes, Binders, Policies, Stores, Reports) with capability modules including configurable raters, document generation, bind-requirements gating, webhooks and a documented API, and role-based access with SSO. Joshu is SOC 2 Type II certified, positioning it for regulated-carrier procurement. The company operates a SaaS subscription model with quote-based, non-publicly-disclosed pricing sold primarily through enterprise field sales and demo-led conversion, complemented by broker self-service through storefronts. The company has raised $3.7M in seed funding (January 2021) and is staffed at 11-50 employees. Recent strategic actions include the AAIS Partner Program integration (December 2025), appointment of Ben Shaw as Chief Commercial Officer, and participation in Insurance Journal's AI Tools for MGAs Demo Day. Documented customer outcomes include K2 OCONUS launching a Workers' Comp product in 45 days, Young Trucking MGA achieving a 142% premium increase via an agent portal, a specialty casualty carrier realizing a 105% productivity gain, and an MGA achieving 5-7 minute automatic quoting via an AI intake module.

Name

Joshu

Legal name

Joshu, Inc.

Website

https://joshuins.com

Company type

Private

Founded year

2026

Operating status

Operating

Headcount range

11–50 employees

Short description

Joshu is an AI-native insurance platform that enables carriers, MGAs, and wholesale brokers to configure, distribute, and manage insurance products end-to-end via plain-language commands and built-in branded broker storefronts.

Ownership category

akta.pro rank

Product category

Insurance Technology (Insurtech)

NAICS

Software Publishers (513210)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

Keywords

• Insurance platform
• Underwriting software
• Policy administration
• Insurance distribution
• Insurance technology

Headquarters

HQ city

Menlo Park

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Platform Subscription: Joshu operates as a SaaS/Technology platform offering insurance carriers and MGAs access to its AI-native platform for building, selling, and running insurance products. The platform is priced with subscription-based access to product configuration, distribution, and policy management capabilities.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

Joshu is a single AI-native, cloud-based insurance platform that lets insurance carriers and MGAs build, sell, and run insurance products end-to-end. The platform combines no-code product configuration, rating logic, document generation, underwriting workflows, policy administration, and branded broker storefronts in one modular system. It is SOC 2 Type II certified and uses Model Context Protocol (MCP) enablement so users can configure products, rates, documents, and bind rules in plain language without engineering tickets.

Product overview

Joshu is a single unified AI-native platform for insurance carriers and MGAs, combining products, underwriting, and distribution in one system. The platform is built modularly with core modules for Submissions, Quotes, Binders, Policies, Stores, and Reports, complemented by capability modules including Raters (for rating logic), Documents (for document generation), Webhooks & API (for system integration), and Roles & SSO (for access control). Every product ships with a branded storefront for broker distribution. The AI-native layer enables plain language configuration of products, rates, documents, and rules without engineering involvement. The platform supports multiple lines of business including Cyber, Commercial GL, Property, Auto Fleet, Workers' Comp, Technology Liability, and Crop & Livestock.

Differentiator

Problem solved

Functional benefit

Products and services

• Joshu AI-Native Insurance Platform Single cloud-based, AI-native insurance platform for insurance carriers and MGAs that combines product configuration, underwriting, policy administration, and broker distribution in one modular system. Built for regulated carriers with SOC 2 Type II certification.
• Submissions Module Module for processing insurance submissions, allowing underwriters to receive and review incoming requests with status tracking and insured product information.
• Quotes Module Module for generating insurance quotes based on configured products, rates, and rules, including automatic quoting of submissions from email intake.
• Binders Module Module for binding insurance policies, governed by configurable bind requirements that gate issuance on user-defined conditions.
• Policies Module Module for managing insurance policies including full lifecycle management with renewals, endorsements, and cancellations supported by complete transaction history.
• Stores (Branded Storefronts) Branded storefront module that ships with every product, enabling brokers to quote and submit business without requiring a separate portal, accessible via branded joshu.store subdomains.
• Reports Module Reporting module for tracking submissions, quotes, bound policies, and business performance across the platform.
• Raters Rating engine module that drives pricing from user-defined spreadsheets and allows rating logic updates without waiting on a release cycle.
• Documents Document generation module for producing quotes, binders, and policy packets from templates populated with live policy data.
• Webhooks & API Integration module providing API tokens, webhooks, and a documented API for connecting Joshu to downstream insurance systems.
• Roles & SSO Access control module that scopes access by role, assigns underwriters to products, and supports single sign-on through identity providers.

Quantifiable outcome

• 45 days to launch new Workers' Comp product
• +3 more outcomes

Named customers7 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature10 records

Partnerships

Two partnerships are on record, tiered minor and core.

• Risky FutureminorGTM or Marketing Partner · 11 March 2026Joshu participated in the 'AI Tools for MGAs Demo Day' hosted by Risky Future in partnership with Insurance Journal. Joshu showcased AI-powered solutions designed to improve efficiency for MGAs, wholesale brokers, program managers, and delegated underwriters.
• AAIScoreStrategic or Co-development Partner · 15 December 2025Joshu joined the AAIS Partner Program to support insurers in faster product launches and compliance through a cloud-based underwriting and distribution platform. The collaboration aims to enhance insurers' operational efficiency and market agility by integrating Joshu's technology with AAIS's industry-proven forms and content.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Sapiens International: Sapiens provides core insurance solutions (Policy, Billing, Claims) and digital engagement tools for carriers and MGAs globally. It competes for similar product-configurability and time-to-market narratives that Joshu emphasizes with its no-code approach.
• Duck Creek Technologies: Duck Creek offers a suite of insurance core systems (Policy, Billing, Claims) and is widely deployed at carriers and MGAs. It competes with Joshu for the same end customers but historically with heavier, release-driven implementations rather than AI-native no-code configuration.
• Socotra: Socotra provides a cloud-native core insurance platform for carriers and MGAs with configurable products, underwriting, and distribution APIs. It is the most direct competitor to Joshu in targeting digital-native insurers and MGAs with a unified platform approach.
• Majesco: Majesco delivers core insurance software (Policy, Billing, Claims, Distribution) for P&C and L&A carriers and MGAs, with growing investment in cloud and analytics. It targets many of the same mid-market and digital-first insurers as Joshu.
• EIS Group: EIS offers a core insurance platform (EIS Suite) targeting digital-first insurers and MGAs, including product configuration, underwriting, and distribution. It is a direct competitor in the modern, configurable core-system segment where Joshu also plays.
• Insurity: Insurity provides insurance software and analytics for carriers, MGAs, and self-insureds across policy, billing, and claims workflows. It overlaps with Joshu in serving specialty and MGA segments and competes on configurability and time to deployment.
• Vertafore: Vertafore provides agency management, rating, and distribution software for brokers, MGAs, and carriers (e.g., AMS, Sagitta, PL Rating). It overlaps with Joshu in MGA and broker distribution workflows and was co-presented with Joshu at the AI Tools for MGAs Demo Day.

Emerging players

• Planck: Planck applies AI to commercial insurance submission automation, quoting, and underwriting data extraction. It is an emerging player that intersects with Joshu at the AI-enabled submission intake layer, though it does not provide a full core platform.

Broad incumbents

• Guidewire Software: Guidewire is the dominant insurance core platform vendor for property/casualty carriers with deep industry penetration. It competes broadly with Joshu across underwriting, policy, and distribution workflows and is actively investing in AI capabilities across its portfolio.

Others

• Newgen Software: Newgen provides low-code content and process automation platforms used by insurers for policy administration, underwriting, and claims automation. It is adjacent to Joshu in the low-code insurance automation category but serves a broader enterprise process automation market beyond insurance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors6 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 Joshu