Tint.ai

What Tint.ai does

Tint.ai is an AI-native embedded insurance platform and Managing General Agent (MGA) headquartered in San Francisco that operates as both an infrastructure provider and a direct program runner. The company enables technology platforms and marketplaces to embed insurance products — including off-trip carshare insurance, mechanical breakdown coverage, short-term rental blanket insurance, auto-transport cargo protection, and pet/baby equipment damage waivers — into their customer experience without obtaining their own insurance licenses. Tint's core product is Hermes, an AI-native operating system that handles the full insurance lifecycle: underwriting and rating, policy management, claims (FNOL through payment), payments and billing, communications, intelligence and analytics, and security/compliance with SOC 2 Type II and 50-state regulatory filings. The platform exposes both API-first integration and a no-code Studio configuration tool, and is offered either as a managed program (Tint as MGA) or as licensed infrastructure to third-party MGAs and program builders.

Tint generates revenue through usage-based insurance premiums and protection fees on embedded policies (across mobility, property & travel, and transportation & logistics), subscription/recurring platform fees from MGAs and program builders using Hermes to run their own programs, and transaction-based underwriting profit participation when partners retain risk (e.g., uShip's maximum-risk-retention model). Customers span enterprise platforms (Turo, Deel, Escapia/Expedia, Guesty), mid-market platforms (uShip, OwnerRez, Montway, Super Dispatch, CitizenShipper), and smaller platforms (Navi Auto Transport, BabyQuip). Distribution combines direct enterprise field sales with channel partners (EPIC Insurance Brokers), broker networks, and capital partners (RVI Group). The company was founded in 2018 by Matheus Riolfi (CEO) and Jérôme Selles, both former Turo insurance builders, and has raised $30M in total funding across a $3.75M seed (2021) and $25M Series A led by QED Investors (2021).

Name

Tint.ai

Legal name

Tint Technologies Inc.

Website

https://tint.ai

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Tint.ai is an AI-native embedded insurance platform and MGA that enables technology platforms and marketplaces to offer usage-based insurance products (mobility, short-term rentals, transportation/logistics) via API or no-code integration, without holding their own insurance licenses. Founded 2018, San Francisco.

Ownership category

akta.pro rank

Product category

Embedded Insurance Software

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

Keywords

• Embedded insurance platform
• AI-native insurance infrastructure
• Insurtech software
• Specialty insurance programs
• Managing general agent

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Insurance Premium / Protection Fees: Tint earns revenue through insurance premiums and protection fees charged on embedded insurance products sold through partner platforms. The company doubled its annualized premium and protection fees over 12 months in 2024, generating tens of millions in premium across product lines.
2. Platform/Technology Infrastructure Fees: Revenue from providing embedded insurance infrastructure (Hermes platform) to MGAs and program builders who want to run their own insurance programs using Tint's technology stack.
3. Underwriting Profit Participation: Partners like uShip can retain maximum risk and participate in underwriting profits of well-designed programs, generating additional revenue share for Tint.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Tint is an AI-native embedded insurance platform and Managing General Agent (MGA) that provides end-to-end infrastructure for tech platforms and marketplaces to launch, operate, and scale insurance products. The company both runs its own embedded insurance programs (in mobility, property & travel, and transportation & logistics) and licenses its proprietary Hermes operating system to other MGAs and program builders. Brand partners embed coverage directly into their product, booking, quoting, or dispatch flows via API or no-code integration, without needing their own insurance license.

Product overview

Tint.ai is an AI-native embedded insurance platform and MGA (Managing General Agent) that operates as both an infrastructure provider and program runner. The core product is Hermes, an AI-native operating system for insurance that provides end-to-end infrastructure across three modules: Core (Underwriting & Rating, Policy Management), Operations (Claims, Payments & Billing, Communications), and Intelligence (Intelligence dashboards, Security & Compliance). The platform also includes Build tools (Studio for product configuration, Developers for API access). Tint offers specialized embedded insurance programs across three verticals: Mobility (Off-trip Insurance, Mechanical Coverage), Property & Travel (SmartSTR Insurance), and Transportation & Logistics (TrustedTransport, TrustedTransport Lite). The Tint Studio serves as an innovation hub for co-creating new embedded insurance programs with partners. Tint operates on a B2B model, embedding insurance products for platforms and marketplaces while handling underwriting, compliance, and claims administration.

Differentiator

Problem solved

Functional benefit

Products and services

• Hermes AI-native operating system for insurance that provides end-to-end infrastructure to launch, operate, and scale insurance programs. Handles the full insurance lifecycle from quote to claim, including underwriting, rating, policy management, claims, payments, communications, intelligence, and security & compliance. Designed for MGAs and program builders.
• Off-trip Insurance Commercial auto coverage for carshare hosts when their vehicle is not actively on a trip. Available in the US and Canada, providing protection for business-related travel.
• Mechanical Coverage Breakdown and mechanical failure coverage for carshare platforms, protecting hosts and customers from unexpected repair costs.
• SmartSTR Insurance Blanket coverage for short-term rental property managers providing contents, liability, bed bug, and real property protection in one comprehensive program. Trademarked brand name.
• TrustedTransport Per-vehicle transit damage coverage for auto haulers and platforms serving them, with up to $200,000 per vehicle and $1,000,000 aggregate per load, usage-based pricing, and $100 deductible. Trademarked brand name.
• TrustedTransport Lite Flat-rate auto transport insurance option with up to $10,000 total limits, offering predictable pricing for standard shipments. Trademarked brand name.
• The Tint Studio Innovation hub for embedded insurance bringing together specialty underwriters, insurers, and digital brand partners to define opportunities, validate user demand, source capacity, and build compliant, scalable programs.

Quantifiable outcome

• 7x year-over-year growth in 2024 with doubled annualized premium
• +4 more outcomes

Named customers11 records

Segments5 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability7 records

Feature9 records

Partnerships

Eight partnerships are on record, tiered core.

• EscapiacoreChannel Partner/ Reseller/ Distributor · 14 May 2025Escapia, part of Expedia Group and leading vacation rental software for property management companies, offers SmartSTR Insurance to its 900+ property management companies. Seamless data integration provides automatic coverage for future bookings.
• OwnerRezcoreChannel Partner/ Reseller/ Distributor · 19 March 2025OwnerRez, vacation rental industry channel manager and CRM, launched SmartSTR Insurance in its marketplace. Provides flexible content damage coverage up to $50K for short-term rentals through lightweight data integration.
• EPIC Insurance Brokers & ConsultantscoreStrategic or Co-development Partner · 15 October 2024Partnership with EPIC launched EPIC Connect Powered by Tint - Dynamic Flex Cargo Insurance revolutionizing how motor carriers manage insurance needs. Enables usage-based, pay-per-load annual insurance through TMS.
• TurocoreStrategic or Co-development Partner · 26 June 2024Collaboration to launch off-trip insurance program for Turo hosts covering vehicles when not being used on Turo trips. Policy underwritten by A+ rated insurer specializing in auto and fleet coverage. Represents a full-circle moment as Tint founders were early Turo employees.
• Montway Auto TransportcoreChannel Partner/ Reseller/ Distributor · 26 June 2024Partnership with leading auto transport logistics provider to launch protection program offering peace of mind for end-users through claims protection.
• Navi Auto TransportcoreChannel Partner/ Reseller/ Distributor · 1 February 2024Tech-first auto shipping platform launched embedded insurance in ~90 days from first call to production. Achieved 100%+ month-over-month premium growth with 0% loss ratio.
• RVI Group (Group 1001 company)coreStrategic or Co-development Partner · 1 November 2023Strategic partnership where RVI Group provides capital capacity for unique and innovative risks associated with Tint's embedded protection programs. RVI Group transfers risks from Tint's platform, enabling Tint to deliver on its vision of making insurance a feature of the buying process. RVI Group has 30-year track record in specialty insurance and reinsurance.
• uShipcoreStrategic or Co-development Partner · 23 August 2023Partnership provides uShip's customers with shipping loss, damage, and theft protection. uShip gained more case control and flexibility. By taking on more risk, uShip achieved lower premium costs and created a profit center with 10x ROI.

Scale indicators12 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Boost Insurance: Boost is an embedded insurance infrastructure platform that enables digital companies to launch and scale insurance products via API, competing head-to-head with Tint in the same platform/marketplace segment.
• Wrisk: Wrisk provides an embedded insurance platform that lets brands offer tailored coverage digitally, with a comparable API-first infrastructure model targeting similar platform and mobility customers.
• Coterie Insurance: Coterie is an insurtech MGA enabling embedded small commercial insurance via API; it is closely comparable to Tint in operating model (MGA + platform) and target customer profile of platforms and SMBs.
• Coverdash: Coverdash delivers embedded commercial insurance for digital platforms and SMBs, overlapping with Tint's API-first embedded distribution approach in adjacent customer segments.
• Slice Labs: Slice Labs is an on-demand insurance cloud platform that enables insurers and platforms to create digital insurance products, sharing Tint's AI-native, embedded insurance thesis.
• Embroker: Embroker is a digital commercial insurance brokerage and platform; it overlaps with Tint on technology-driven insurance distribution for businesses, though with a less embedded-API focus.
• Sure (Tarmika): Sure provides insurance infrastructure software for carriers, MGAs, and brokers to build and distribute digital insurance products, a closely comparable infrastructure platform to Hermes.

Broad incumbents

• Lemonade: Lemonade is a large AI-native insurance carrier with a digital, app-first model; while broader in scope (direct-to-consumer insurance), it competes for mindshare and capital in the AI-insurance category.
• Next Insurance: Next Insurance is a tech-enabled commercial insurance carrier serving SMBs and small businesses; it represents a broader incumbent that increasingly offers embedded and partner-channel distribution.
• Berkley Re (Imagine): Berkley Re's Imagine program is a reinsurance-backed digital distribution platform enabling embedded insurance products — a relevant incumbent capability that competes with Tint's MGA + capital partner model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/heytint
• LinkedInlinkedin.com/company/heytint

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds3 records

Investors7 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 Tint.ai