NOW Insurance Services Inc.

What NOW Insurance Services Inc. does

NOW Insurance Services Inc. is a San Francisco-based, AI-enabled commercial insurance platform founded in 2019 that delivers professional and general liability insurance targeted at allied healthcare professionals in the United States. The company's product portfolio centers on Professional Liability and General Liability coverage, with sub-products tailored to specific roles including registered nurses, nurse practitioners, LPNs/LVNs, certified nursing assistants, home health aides, nursing students, pharmacists, home healthcare agencies, and healthcare staffing agencies. Underwriting, risk assessment, fraud detection, and customer analytics are supported by AI/ML tooling layered over a data lakehouse infrastructure (deployed on Onehouse in May 2024). Distribution is digital-first: a self-serve platform at app.nowinsurance.com enables quotes and policy issuance in approximately three minutes, supplemented by a broker portal launched in August 2023.

The business model is subscription-based premium billing (monthly for individuals at typically $4–$15/month, annual from $750 for agencies), with NOW Insurance operating as a managing general agent/distributor that partners with multiple insurance carriers — Greenlight, Dale, Canopius, ACC, and Arch Insurance North America — for underwriting capacity. Revenue is generated primarily through commissions, fees, and MGA-style spreads on insurance premiums rather than direct premium capture. In August 2023 the company received undisclosed strategic investment from a subsidiary of Arch Capital Group to fund new medical malpractice product launches, platform scaling, and distribution channel expansion, achieving a milestone of 30,000 active policies by March 2026.

The company operates with 11–50 employees, a Texas-based legal/administrative presence in Houston alongside the San Francisco headquarters, and serves customers exclusively within the United States. Its content-driven go-to-market combines SEO-optimized educational content, organic social on Facebook/Instagram/LinkedIn, and a now-active broker distribution layer, with the strategic Arch relationship functioning as both a capital and capacity partner.

Name

NOW Insurance Services Inc.

Legal name

Now Insurance Services, Inc.

Website

https://nowinsurance.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

NOW Insurance Services Inc. is a San Francisco-based AI-enabled insurance platform providing professional and general liability coverage to allied healthcare professionals and healthcare agencies across the United States through a self-serve digital platform and broker channel.

Ownership category

akta.pro rank

Product category

Healthcare Professional Liability Insurance

NAICS

Insurance Agencies and Brokerages (524210)

SIC

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

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Professional liability insurance
• Medical malpractice coverage
• Healthcare insurance platform
• Allied health insurance
• Commercial insurance technology

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premium Revenue: Subscription-based professional and general liability insurance policies for healthcare professionals. Policies are priced based on specialty, location, and coverage limits. Annual billing with monthly payment options available.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

NOW Insurance Services Inc. is an AI-enabled commercial insurance platform offering professional and general liability insurance for allied healthcare professionals and healthcare businesses. Coverage is delivered through a digital-first, self-serve portal that lets customers obtain quotes, purchase policies, and receive instant proof of coverage in under three minutes. The portfolio includes specialty liability coverage for nurses, nurse practitioners, pharmacists, home health aides, CNAs, LPNs/LVNs, nursing students, home healthcare agencies, and healthcare staffing agencies.

Product overview

NOW Insurance Services Inc. operates as an AI-enabled commercial insurance platform offering professional and general liability insurance for the healthcare sector. The product portfolio centers on two core insurance products—Professional Liability Insurance and General Liability Insurance—supplemented by specialized coverage for individual allied health professionals (including Nurses, Nurse Practitioners, Nursing Students, LPN/LVNs, Home Health Aides, Certified Nursing Assistants, and Pharmacists) and healthcare businesses (Home Healthcare Agencies and Staffing Agencies). All offerings are delivered through a digital-first platform featuring an online quote and purchase portal that enables coverage acquisition in under three minutes with instant proof of coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Professional Liability Insurance Healthcare professional liability insurance that protects allied health professionals against claims of negligence, errors, omissions, and malpractice during patient care; covers legal defense costs, settlements, and court fees.
• General Liability Insurance General liability coverage for healthcare businesses protecting against third-party property damage, bodily injury, fire and water damage, advertising injury, and products/completed operations claims; offered alongside professional liability rather than on a standalone basis.
• Registered Nurse (RN) Liability Insurance Specialized malpractice insurance for registered nurses covering negligence, standard-of-care violations, board actions, and deposition representation, designed to supplement employer coverage with portable individual protection.
• Nurse Practitioner (NP) Liability Insurance Malpractice coverage tailored for nurse practitioners with expanded scope of practice and greater liability exposure, including protection for independent practice, telehealth, and collaborative care settings.
• Nursing Student Liability Insurance Affordable malpractice coverage designed for nursing students during clinical rotations, protecting against claims arising from student involvement in patient care.
• LPN & LVN Liability Insurance Professional liability coverage for licensed practical nurses and licensed vocational nurses, with monthly pricing typically between $4 and $9 in most US locations.
• Home Health Aide Liability Insurance Malpractice coverage for home health aides providing care in patients' homes, protecting against claims of negligence, improper treatment, and property damage during home visits.
• Certified Nursing Assistant (CNA) Liability Insurance Malpractice insurance for certified nursing assistants who spend significant hands-on time with patients, with monthly pricing typically between $4 and $9 in most US states.
• Pharmacist Liability Insurance Malpractice coverage for pharmacists including HIPAA protection and license defense, with monthly pricing typically between $5 and $15 in most US states.
• Home Healthcare Agency Insurance Comprehensive liability coverage for home healthcare agencies covering employees across multiple locations, with policies starting at $750 per year and including professional and general liability protection.
• Healthcare Staffing Agency Insurance Flexible liability coverage for medical staffing agencies protecting against risks from placing healthcare professionals across multiple locations and specialties.

Quantifiable outcome

• 3-minute quote process compared to weeks with traditional providers
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Arch Insurance North AmericacoreStrategic or Co-development Partner · 22 August 2023Partnership with Arch Insurance North America to fund new products, platform scaling, and distribution expansion. The funding enables new product launches, an online broker portal, and enhanced analytics capabilities.
• GreenlightminorOthersTrusted partner - insurance carrier or reinsurer providing coverage options for NOW Insurance customers
• DaleminorOthersTrusted partner - insurance carrier or reinsurer providing coverage options for NOW Insurance customers
• CanopiusminorOthersTrusted partner - insurance carrier or reinsurer providing coverage options for NOW Insurance customers
• ACCminorOthersTrusted partner - insurance carrier or reinsurer providing coverage options for NOW Insurance customers

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Thimble: Insurtech offering short-term, on-demand general liability and professional liability policies to freelancers, gigeconomy, and small businesses through a mobile-first platform. Comparable in product DNA and mobile-first experience, though focused on micro-SMB rather than healthcare.
• Coterie Insurance: Digital MGA offering small commercial insurance products via an API-driven distribution platform. Emerging peer sharing NOW Insurance's digital-MGA model and broker-channel expansion motion.

Direct peers

• Healthcare Providers Service Organization (HPSO): Healthcare professional liability insurer offering malpractice coverage to nurses, NPs, allied health and behavioral health providers. Operates the same vertical as NOW Insurance with very similar policy products and audience.
• NSO (Nurses Service Organization): Long-standing specialty provider of professional liability insurance for nurses, nurse practitioners, and other healthcare professionals. Directly comparable to NOW Insurance's core individual allied-health liability offering.
• Pie Insurance: Tech-enabled commercial insurance provider focused on small business policies with a digital, direct-to-customer experience. Similar insurtech DNA and SMB distribution approach to NOW Insurance.
• Next Insurance: Digital-first commercial insurance platform serving SMBs across multiple verticals, using AI-driven underwriting and a self-serve online experience. Most direct technology/business-model analog in the broader commercial-insurance category.
• MedPro Group: Healthcare-focused liability insurer providing professional and general liability coverage to individual providers and healthcare organizations. Competes in the same niche as NOW Insurance, especially on the healthcare-agency side.
• Proliability: Professional liability insurance broker serving healthcare professionals across nursing, allied health, and counseling disciplines. Closely mirrors NOW Insurance's product set and target buyer.
• Embroker: Digital commercial insurance brokerage distributing tailored liability and specialty policies to small and mid-sized businesses via an online platform. Comparable in distribution model and SMB targeting to NOW Insurance.
• CM&F Group: Specialty broker focused on professional liability for nurses, allied health, and healthcare providers. Targets the same allied-health persona and coverage categories as NOW Insurance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/nowinsurancecoverage
• LinkedInlinkedin.com/company/now-insurance-services-inc
• Instagraminstagram.com/nowinsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds2 records

Investors3 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 NOW Insurance Services Inc.