Pouch Insurance
Pouch Insurance is a commercial auto managing general agent offering per-mile telematics-based insurance for gig economy fleet owners (up to 25 vehicles) and traditional commercial auto coverage for small artisan and trade businesses. Products are distributed via direct website sales and through carrier partnerships with First Acceptance and OCTO.
- Company typePrivate
- Founded2020
- HeadquartersNiles, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Pouch Insurance does
Pouch Insurance is a privately held commercial auto managing general agent (MGA) founded in 2020 and headquartered in Niles, Illinois. The company operates two commercial auto insurance programs: a general commercial auto product targeting small artisan and trade businesses (plumbers, electricians, HVAC contractors, landscapers, caterers, and similar trades) with liability, physical damage, uninsured motorist, and medical payments coverage plus optional vehicle tracking; and the Micro-Fleet Rideshare program, launched May 13, 2026 in Tennessee as what the company describes as the first admitted per-mile commercial auto product for gig economy fleet owners with up to 25 vehicles leasing to drivers on platforms such as Uber, Lyft, DoorDash, and Amazon Flex.
The Micro-Fleet Rideshare program is built on a per-mile telematics-based pricing model delivered through a strategic integration with OCTO's AI-powered telematics platform, which separates on-platform from off-platform miles and scores individual drivers independently to address a coverage gap that exists when TNC platform applications are inactive. The product is underwritten as an admitted policy by First Acceptance Insurance Company of Tennessee, and the technology architecture is described as scalable into new markets without infrastructure rebuilds, supporting Pouch's stated plan to expand the program to nine states by December 31, 2026.
Pouch distributes its products primarily through direct website-based quote requests, supplemented by the First Acceptance carrier partnership for the Micro-Fleet rideshare product and a listed relationship with Coterie Insurance. Revenue is generated through commercial auto insurance premiums as an MGA, with usage-based per-mile pricing on the Micro-Fleet program. The company employs 1-10 people, has not disclosed funding rounds or revenue, and is led by co-founders Steve McKay (CEO) and Gloria Guntinas (COO).
Pouch Insurance firmographics
Firmographics- Name
- Pouch Insurance
- Legal name
- Pouch Insurance
- Website
- https://quote.pouchinsurance.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Pouch Insurance is a commercial auto managing general agent offering per-mile telematics-based insurance for gig economy fleet owners (up to 25 vehicles) and traditional commercial auto coverage for small artisan and trade businesses. Products are distributed via direct website sales and through carrier partnerships with First Acceptance and OCTO.
- Ownership category
- akta.pro rank
Pouch Insurance industry classification
Industry- Product category
- Commercial Auto Insurance
- NAICS
- Taxi and Ridesharing Services (485310), Passenger Car Rental (532111), Passenger Car Rental and Leasing (53211)
- SIC
- Services-Auto Rental & Leasing (No Drivers) (7510)
- akta.pro primary industry
- Commercial Auto & Fleet Insurance (FSAJAMAB)
- akta.pro secondary industries
- Rideshare (TNC) Personal Auto Insurance (FSAJAAAI), Pay-Per-Mile Personal Auto Insurance (FSAJAAAC)
Keywords
Where Pouch Insurance is headquartered
LocationHeadquarters
- HQ city
- Niles
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Pouch Insurance business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Commercial Auto Insurance Premiums: Pouch Insurance generates revenue as a managing general agent through commercial auto insurance premiums. The Micro-Fleet Rideshare program uses a per-mile telematics-based pricing model where fleet owners pay based on actual miles driven, separating covered gig economy driving from personal use.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Micro-Fleet Rideshare Program - Per-mile pricing for gig economy fleets |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels1 record
Pouch Insurance product offering
Product offeringCore offering
Pouch Insurance is a commercial auto managing general agent that underwrites and distributes liability and physical damage insurance for business vehicles, including cars, trucks, vans, and trailers used by small artisan contractors and other small businesses. Its flagship Micro-Fleet Rideshare program offers the first admitted per-mile commercial auto insurance product in the U.S., targeted at gig economy fleet owners with up to 25 vehicles leasing to drivers on Uber, Lyft, DoorDash, and Amazon Flex, with pricing driven by AI-powered telematics that differentiates on-platform from off-platform miles.
Product overview
Pouch Insurance is a commercial auto managing general agent (MGA) offering two core insurance programs. The primary offering is the Micro-Fleet Rideshare program, an admitted per-mile commercial auto insurance product designed for gig economy fleet owners with up to 25 vehicles, addressing coverage gaps during inactive TNC periods using telematics-based pricing. The company also provides general commercial auto insurance for small business vehicle fleets, including liability, physical damage, uninsured motorist, and medical payments coverages with optional vehicle tracking capabilities for artisan businesses such as plumbers, electricians, and caterers.
Differentiator
Problem solved
Functional benefit
Products and services
- Micro-Fleet Rideshare program Admitted per-mile commercial auto insurance for gig economy fleet owners with up to 25 vehicles leasing to drivers on platforms such as Uber, Lyft, DoorDash, and Amazon Flex. Provides liability and physical damage coverage that continues during off-platform periods when the TNC app is inactive, with pricing driven by AI telematics that scores individual drivers and separates on-platform from off-platform miles.
- Commercial Auto Insurance Commercial auto insurance providing liability, physical damage, uninsured motorist, and medical payments coverage for cars, trucks, vans, and other vehicles used for business by small artisan and trade businesses such as plumbers, electricians, HVAC contractors, landscapers, caterers, florists, janitors, house painters, and mobile food stands. Sold direct through the Pouch website with optional vehicle tracking.
Quantifiable outcome
- Addresses coverage gap for gig economy drivers during periods when TNC platform application is inactive
- +1 more outcomes
Companies that use Pouch Insurance
Customer profileSegments2 records
Ideal customer profiles2 records
Pouch Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability2 records
Feature3 records
Pouch Insurance partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- First Acceptance Insurance Company of TennesseecoreFirst Acceptance Insurance Company of Tennessee underwrites the Micro-Fleet Rideshare program as an admitted commercial auto product. The partnership enables Pouch to offer coverage to fleet owners in Tennessee while First Acceptance targets historically underserved markets in the gig economy. Both companies plan to expand the product nationally.
- OCTOcoreStrategic partnership integrating OCTO's AI-powered telematics platform into Pouch's commercial auto insurance programs for gig economy fleets. The partnership enables per-mile pricing by separating on-platform miles from off-platform miles and scoring individual drivers independently. OCTO serves as the telematics backbone for Pouch's Micro-Fleet Rideshare program. The technology is designed to scale into new markets without infrastructure rebuilds.
- Coterie InsuranceminorCoterie Insurance is shown as a partner on the Pouch Insurance website, appearing alongside the 'What We Offer' section. The nature of the partnership appears to be a collaborative relationship for insurance distribution.
Scale indicators3 records
Recent moves7 records
Expansion highlights5 records
Pouch Insurance competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Pouch Insurance social profiles
Digital presencePouch Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pouch Insurance leadership team
Management profileNumber of profiles
Profiles2 records
Pouch Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pouch Insurance 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 Pouch Insurance
What does Pouch Insurance do?
Pouch Insurance is a commercial auto managing general agent that underwrites and distributes liability and physical damage insurance for business vehicles, including cars, trucks, vans, and trailers used by small artisan contractors and other small businesses. Its flagship Micro-Fleet Rideshare program offers the first admitted per-mile commercial auto insurance product in the U.S., targeted at gig economy fleet owners with up to 25 vehicles leasing to drivers on Uber, Lyft, DoorDash, and Amazon Flex, with pricing driven by AI-powered telematics that differentiates on-platform from off-platform miles.
Is Pouch Insurance a public or private company?
Pouch Insurance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Pouch Insurance founded?
Pouch Insurance was founded in 2020. It employs 1 to 10 people.
Where is Pouch Insurance based?
Pouch Insurance is headquartered in Niles, United States, in the North America region.
How does Pouch Insurance make money?
One revenue line is on record: commercial Auto Insurance Premiums.
Does Pouch Insurance have an API?
No public API is recorded for Pouch Insurance.
What industry is Pouch Insurance in?
Pouch Insurance's product category is Commercial Auto Insurance. Its primary akta.pro industry code is FSAJAMAB, Commercial Auto & Fleet Insurance, with a secondary code of FSAJAAAI, Rideshare (TNC) Personal Auto Insurance. Its NAICS code is 485310 and its SIC code is 7510.