Marble
Marble is a digital insurance wallet platform that lets consumers consolidate, monitor, and optimize home, auto, life, pet, and commercial policies from 60+ carriers. It monetizes via carrier commissions and was acquired by The Zebra in July 2024.
- Company typePrivate
- Founded2020
- HeadquartersNew York, United States
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
What Marble does
Marble is a New York-based software company founded in 2020 that operates a digital insurance wallet and loyalty platform for consumers. The platform allows users to consolidate home, auto, life, renters, pet, and commercial insurance policies from 60+ carriers into a single mobile dashboard (iOS and Android), with integrations including Apple Wallet for ID cards and policy documents. Core features include Rate Watch (automated rate monitoring that proactively alerts users when better prices are available), automated multi-carrier shopping, life-event-based coverage recommendations, and a 'frequent flyer' style rewards program where users earn redeemable credits for syncing policies and referring others.
The company monetizes primarily through insurance agency commissions earned by its wholly-owned subsidiary Marble Insurance Agency Inc., collecting 5-15% of annual premium for property and casualty lines and 60-80% of first-year premiums for life insurance. The consumer product is free to users. Marble supplements this with a B2B2C channel program targeting banks, credit unions, lenders, property managers, benefits administrators, and PEOs through white-label and embedded insurance integrations, alongside direct carrier relationships.
Following a $4.2M seed plus funding round led by Distributed Ventures in May 2023, Marble was acquired by The Zebra on July 25, 2024, with the Marble team and technology integrated into The Zebra's national insurance comparison platform. Prior to the acquisition, the company had grown to 11-50 employees, managed $76M+ in premium, and was delivering 15k+ quotes per month.
Marble firmographics
Firmographics- Name
- Marble
- Legal name
- Marble Pay Inc.
- Website
- https://marblepay.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Acquired
- Headcount range
- 11–50 employees
- Short description
- Marble is a digital insurance wallet platform that lets consumers consolidate, monitor, and optimize home, auto, life, pet, and commercial policies from 60+ carriers. It monetizes via carrier commissions and was acquired by The Zebra in July 2024.
- Ownership category
- akta.pro rank
Marble industry classification
Industry- Product category
- Insurance Technology (InsurTech)
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Carriers and Related Activities (524)
- SIC
- Insurance Agents, Brokers & Service (6411), Life Insurance (6311)
- akta.pro primary industry
- Mobile Wallets (NFC Tap-to-Pay / HCE) (FSAMAEAB)
- akta.pro secondary industry
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
Keywords
Where Marble is headquartered
LocationHeadquarters
- HQ city
- New York
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Marble business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Insurance Agency Commissions: Marble Insurance Agency Inc. collects commissions from insurance carriers. Property and casualty commissions range from 5%-15% of annual premium. Life insurance commissions are 60% to 80% of first year premiums. The company acts as an insurance agent collecting premium on behalf of insurance companies.
- Referral Program Credits: Users earn credit points for qualified referrals who sign up and sync a policy. Credits are redeemable for Marble products and services only, not cash. Credits expire after 18 months if unused.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free consumer platform with commission-based business model |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Marble product offering
Product offeringCore offering
Marble operates a digital insurance wallet and loyalty platform that allows consumers to consolidate, monitor, and optimize insurance policies from multiple carriers (home, auto, life, renters, pet, commercial) into a single dashboard. The mobile-first platform offers automated rate monitoring and comparison shopping via its Rate Watch feature, Apple Wallet integration for policy documents, and a rewards program for engagement. Marble Insurance Agency Inc., a wholly-owned subsidiary, acts as a licensed insurance agent collecting commissions from carriers when policies are purchased or renewed through the platform.
Differentiator
Problem solved
Functional benefit
Products and services
- Marble Insurance Wallet Digital insurance wallet available on iOS and Android that consolidates, monitors, and optimizes home, auto, life, renters, pet, and commercial insurance policies from multiple carriers into a single dashboard for individual consumers and households.
- Marble Insurance Agency Licensed property and casualty and life insurance agency operated as a wholly-owned subsidiary of Marble Pay Inc., generating commissions from carriers when policies are purchased or renewed through the Marble platform.
- Marble Rewards Program Loyalty rewards program where users earn points for policy management, referrals, and engaging with insurance content. Points are redeemable for Marble products and services (credits expire after 18 months if unused).
Quantifiable outcome
- Saves users hundreds or even thousands of dollars through rate comparisons and better pricing
- +4 more outcomes
Companies that use Marble
Customer profileNamed customers12 records
Segments3 records
Ideal customer profiles2 records
Marble technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability3 records
Feature5 records
Marble partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered strategic, minor and core.
- PolicygeniusstrategicPartnership providing Marble members ability to shop for life insurance from within their Marble account. Policygenius provides life insurance marketplace technology.
- Bold PenguinstrategicPartnership enabling Marble members to shop for small business insurance from within their Marble account. Bold Penguin provides commercial insurance quoting technology.
- Driver TechnologiesstrategicPartnership to help make roads safer for all drivers. Combined insurance management with Driver Technologies' road safety solutions.
- GeministrategicPartnership to offer cryptocurrency rewards for insurance. Marble members could earn cryptocurrency rewards through Gemini platform for insurance activities.
- Bold PenguinstrategicBold Penguin's digital solutions empower SMB-adjacent partners including Marble.
- DIMOminorPartner logo displayed on Marble website. DIMO is a connected car platform.
- MyAutoLoanminorPartner logo displayed on Marble website. Auto loan marketplace platform.
- ValonminorPartner logo displayed on Marble website. Mortgage technology platform.
- SolominorPartner logo displayed on Marble website.
- OpenBayminorPartner logo displayed on Marble website. Auto repair marketplace.
- DriverminorPartner logo displayed on Marble website. Driver Technologies mobile app.
- Insurance Carriers (State Farm, Allstate, Liberty Mutual, etc.)core60+ insurance carriers whose policies can be managed on the Marble platform. Includes State Farm, Allstate, Liberty Mutual, Lemonade, Progressive, Geico, Travelers, USAA, Nationwide, and Farmers.
Scale indicators7 records
Recent moves7 records
Expansion highlights5 records
Marble competitors and assessment
Company assessmentBroad incumbents
- Hippo Insurance: Hippo is a modern homeowners insurance carrier that bundles smart-home data with policy management. Adjacent in the modernized consumer insurance experience.
- Lemonade: Lemonade is a digitally native insurance carrier with a polished app for managing policies. A Marble partner and a key reference for consumer-grade insurance UX, but competes by owning the policy rather than aggregating others.
Direct peers
- The Zebra: The Zebra is the leading US insurance comparison marketplace and Marble's parent company post-acquisition. Directly comparable as a consumer-facing insurance shopping and comparison platform.
- Jerry: Jerry is an AI-powered insurance super-app that helps consumers compare, buy, and manage auto and home insurance. Closely mirrors Marble's wallet + comparison + management value proposition.
- Insurify: Insurify is an insurance comparison platform for auto, home, and life coverage. Comparable as a consumer-facing comparison-and-shopping destination serving the same target customer.
- Gabi: Gabi aggregates existing policies and shops for better rates across carriers — directly overlapping with Marble's Rate Watch and policy-consolidation value proposition.
- Policygenius: Policygenius is an online insurance marketplace strongest in life insurance. Already integrated as a Marble partner, serving the same multi-line consumer insurance-shopping use case.
- CoverHound: CoverHound is an insurance comparison platform for auto, home, and small business coverage. Comparable in offering multi-carrier shopping to consumers and SMBs.
Emerging players
- EverQuote: EverQuote operates an insurance shopping marketplace connecting consumers with carriers and agents. Adjacent in the consumer insurance-shopping funnel though more lead-gen oriented.
Others
- Bold Penguin: Bold Penguin provides commercial insurance marketplace technology and is a Marble integration partner for SMB/commercial lines. Comparable as ecosystem infrastructure for embedded insurance distribution.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Marble social profiles
Digital presenceMarble financial estimates
Financial estimateRevenue estimate
Valuation estimate
Marble leadership team
Management profileNumber of profiles
Profiles2 records
Marble subsidiaries and ownership
Company hierarchySubsidiaries1 record
Marble funding detail
Funding detailFunding overview
Funding rounds3 records
Investors11 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Marble 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 Marble
What does Marble do?
Marble operates a digital insurance wallet and loyalty platform that allows consumers to consolidate, monitor, and optimize insurance policies from multiple carriers (home, auto, life, renters, pet, commercial) into a single dashboard. The mobile-first platform offers automated rate monitoring and comparison shopping via its Rate Watch feature, Apple Wallet integration for policy documents, and a rewards program for engagement. Marble Insurance Agency Inc., a wholly-owned subsidiary, acts as a licensed insurance agent collecting commissions from carriers when policies are purchased or renewed through the platform.
Is Marble a public or private company?
Marble is a private company. It is classified as corporate owned and is currently acquired.
When was Marble founded?
Marble was founded in 2020. It employs 11 to 50 people.
Where is Marble based?
Marble is headquartered in New York, United States, in the North America region.
How does Marble make money?
Two revenue lines are on record. Insurance Agency Commissions are the primary driver. The others are referral Program Credits.
Who are Marble's main competitors?
Broad incumbents on record are Hippo Insurance and Lemonade. Direct peers are The Zebra, Jerry, Insurify, Gabi, Policygenius and CoverHound. EverQuote is listed as an emerging player. Bold Penguin is listed as an others.
Does Marble have an API?
No public API is recorded for Marble.
What industry is Marble in?
Marble's product category is Insurance Technology (InsurTech). Its primary akta.pro industry code is FSAMAEAB, Mobile Wallets (NFC Tap-to-Pay / HCE), with a secondary code of FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms. Its NAICS code is 5242 and its SIC code is 6411.