insured.io

What insured.io does

insured.io is a privately held SaaS company founded in 2011 that provides an omnichannel customer experience platform for mid-sized property and casualty (P&C) insurance carriers and managing general agents (MGAs). The platform unifies five policyholder-facing channels — a Progressive Web App self-service portal, an AI-powered interactive voice response system branded Ivy, proactive SMS notifications with text-to-pay, a multi-channel claims experience with First Notice of Loss (FNOL), and a CSR-facing Insights CX hub — into a single configurable product with white-label branding. Since inception, the platform has served more than 2 million insureds and processed over $2 billion in premium payments, supported by 40+ pre-built integrations to major policy administration systems including Silvervine PTS, InformINS, and Insuresoft.

The company monetizes through a hybrid model combining annual platform licensing with usage-based charges for SMS and IVR (priced per minute) and transaction fees on payment processing. Its go-to-market combines direct enterprise sales to mid-sized carriers with a partner channel through policy administration system vendors, and typical deployment timelines are 90 days. insured.io holds SOC 2 Type II, HIPAA, and PCI DSS Level 1 certifications, enabling it to handle payment and health-related data within carrier procurement standards.

insured.io is bootstrapped and founder-led by Michael Kassing (Founder & Chief Visionary Officer), Steve Johnson (Founder & Chief Product Officer), and Julia Golts (Founder & Head of Development), all insurance industry veterans. The company has expanded its AI capabilities with the 2025 launch of an AI Virtual Agent, an ElevenLabs partnership for natural voice technology, and the May 2026 launch of Claims AI — a conversational virtual claims agent handling FNOL end-to-end across voice and chat. Named customers include Kingstone Insurance, Bluefire Insurance, Patriot General Agency (K2 Insurance Services), Gulf States Insurance Group, Aspire, Grange, and Bridger Insurance Services, with the company operating exclusively in the United States.

Name

insured.io

Legal name

insured.io

Website

https://insured.io

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

insured.io provides an omnichannel SaaS customer experience platform for mid-sized P&C insurance carriers and MGAs, unifying a self-service portal, AI-powered IVR, SMS notifications, claims, and AI virtual agents with white-label branding and pre-built integrations to policy administration systems.

Ownership category

akta.pro rank

Product category

Insurance Technology SaaS (Insurtech)

NAICS

Other Insurance Related Activities (52429), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Insurance customer engagement
• Policyholder self-service
• Insurance IVR solutions
• Insurance SMS notifications
• Insurance claims management

Headquarters

HQ city

Sacramento

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Platform Licensing: License-based pricing with low upfront costs. The platform integrates portal, IVR, SMS, payments, and claims into a unified solution. ROI typically achieved within first year from call deflection and self-service payments.
2. Usage-based Services: SMS and IVR services are priced per minute of usage, providing a consumption-based revenue stream on top of the base platform license.
3. Payment Processing: Platform processes premium payments totaling over $2B since inception. Payment processing includes QuickPay and text-to-pay capabilities.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

insured.io is an omnichannel SaaS customer experience platform purpose-built for mid-sized property and casualty (P&C) insurance carriers and Managing General Agents (MGAs). The platform unifies a policyholder self-service portal, AI-powered IVR voice (Ivy), proactive SMS notifications with text-to-pay, claims management with First Notice of Loss, and AI virtual agents (Claims AI and Policy AI) into a single white-label solution. It integrates in real time with 40+ policy administration systems and serves more than 2 million insureds across the United States.

Product overview

insured.io is an omnichannel customer experience platform for P&C insurance carriers, offered as a unified platform with modular components. The platform integrates portal, IVR (Ivy), notifications (SMS), claims management, and AI capabilities (Claims AI, Policy AI) into a single cohesive experience. Insights serves as the CX hub providing transparency across all channels. Core products include Insured Portal (self-service PWA), Ivy Voice/IVR (AI-powered phone channel), Notifications (proactive SMS with text-to-pay), and Claims (FNOL and tracking). AI sub-products include Claims AI (conversational FNOL agent) and Policy AI (conversational policy service agent) that build on the core platform with unified workflow architecture.

Differentiator

Problem solved

Functional benefit

Products and services

• Insights CX Hub Unified CX hub providing CSRs with a complete view of every policy, all engagement history across channels, policy lookup, and one-click payments across all integrated core systems. Targets mid-sized P&C carriers and MGAs.
• Insured Portal Mobile-first, multi-language Progressive Web App delivering self-service for policy, billing, documents, mobile ID cards, claims, and payments without requiring app store installation. Targeted at insurance carriers' policyholders.
• Ivy IVR (Voice) AI-powered interactive voice response system with natural conversational voice in English and Spanish for billing, policy lookup, ID card requests, and document delivery 24/7. Targets insurance carriers' policyholders and CSRs.
• Notifications (SMS) Proactive SMS notification engine at policy milestones including welcome messages, payment reminders, autopay alerts, renewal nudges, cancellation notices, and text-to-pay with TCPA, short code, and opt-in compliance. Used by carriers to drive retention.
• Claims Suite

Quantifiable outcome

• 58% faster resolution when insureds use IVR instead of calling a CSR
• +5 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability10 records

Feature6 records

Partnerships

Eight partnerships are on record, tiered core, supporting and minor.

• Patriot General AgencycoreTechnology or Integration · 17 March 2026Texas-based MGA (part of K2 Insurance Services platform backed by Warburg Pincus) implementing insured.io IVR solution for non-standard auto segment. IVR deployment automates high-volume service requests and payments, integrated with InformINS policy administration system. Supports Patriot General's digital transformation and modernization under K2 umbrella.
• Silvervine SoftwarecoreTechnology or Integration · 5 November 2025Partnership to integrate SMS messaging and text-to-pay capabilities into insurance workflows. Silvervine's PTS policy administration system customers can connect to insured.io's platform including insured.txt for secure text-based payments. Integration enables automated SMS alerts for billing reminders, renewals, and cancellations. Silvervine is described as having an agile, solution-oriented approach making collaboration easy.
• InsuresoftcoreTechnology or IntegrationTechnology partner providing policy administration solutions. Listed as partner on insured.io About page with logo displayed.
• TranzpaysupportingTechnology or IntegrationPayment technology partner. Listed as partner on insured.io About page with logo displayed.
• DisburseCloudsupportingTechnology or IntegrationDisbursement technology partner. Listed as partner on insured.io About page with logo displayed.
• InforminscoreTechnology or IntegrationPolicy administration system partner. Integrated with Patriot General Agency deployment. Listed as partner on About page.
• Shield KnotminorOthersInsurtech company insured.io invests in. Reinventing insurance distribution with unique products and embedded lifestyle benefits.
• BackpackminorOthersInsurtech company insured.io invests in. Changing the way people think about travel insurance with an annual policy.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Smart Communications: Customer communications management (CCM) and policyholder experience platform heavily used by insurance carriers for digital document, onboarding, and CX workflows, overlapping with insured.io's portal and notifications offerings.
• Snapsheet: Claims management and appraisal platform for P&C insurers, including virtual claims and FNOL workflows that overlap with insured.io's Claims AI and Insured Claims modules.
• Glia (formerly Clarvu): Digital customer service platform purpose-built for financial services and insurance, providing AI-driven messaging, voice, and co-browsing. Directly comparable to insured.io's omnichannel CX stack serving insurance carriers.
• Liberate Solutions: Cloud-based customer engagement and self-service platform for P&C insurance carriers, offering portals, IVR, SMS, and digital communications directly competing with insured.io for the same mid-market carrier buyers.

Broad incumbents

• CCC Intelligent Solutions: Large incumbent in P&C insurance software spanning claims, estimating, and CX. Overlaps with insured.io's claims and FNOL capabilities but operates at broader scale across the carrier ecosystem.
• Duck Creek Technologies: Established P&C insurance core-suite provider with policy, billing, and claims modules plus emerging digital engagement layers. Represents a competing modernization path for mid-market carriers evaluating insured.io.
• Vertafore: Long-standing insurance technology provider for agents and carriers with agency management, rating, and customer engagement tools, offering overlapping policyholder-facing capabilities aimed at mid-market carriers.
• Guidewire Software: Dominant P&C insurance platform vendor with InsuranceSuite and Digital Portal offerings that overlap with insured.io's policyholder self-service, IVR, and engagement capabilities, typically serving larger carriers.

Others

• Five9: Cloud contact-center and IVR platform increasingly used by insurance carriers for voice automation, providing enabling infrastructure that overlaps with insured.io's Ivy IVR product on the technology layer.

Emerging players

• Messagepoint: Customer communications management vendor with insurance-focused templating and translation capabilities, addressing adjacent pain points in policyholder CX and competing for parts of the carrier tech budget.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/35527678
• Instagraminstagram.com/insuredio
• Xx.com/insuredio

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

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 insured.io