Ownli

What Ownli does

Ownli operates a first-party data infrastructure platform that enables property and casualty (P&C) insurance carriers to collect, verify, and act on consent-based data submitted directly by their own policyholders. The core Ownli Platform supports four lines of business (auto, property, business, recreational) through structured check-in workflows — mileage check-ins (odometer and license plate photos), condition check-ins (multi-angle vehicle photos), and proof-of-address check-ins (home documents and photos) — that capture verifiable signals which are then run through an AI verification engine for fraud screening, recency verification, and damage analysis. The platform is delivered API-first with SDK plugins for Node.js, Angular, React Native, Swift, and Flutter, JWT-based authentication, and sandbox/production environments, allowing carriers to embed check-ins into existing member portals, apps, or web properties. Compliance posture includes SOC 2 Type II certification, GLBA compliance, and filing-approved verification status, which positions Ownli for enterprise insurance procurement.

Ownli monetizes through two distinct revenue streams. The primary stream is a data marketplace model in which carriers pay for verified, consent-based first-party data sourced from their own policyholders; revenue is tied to data transactions and engagement volume rather than disclosed seat-based pricing. The secondary stream is an affiliate revenue share via the Car Care Passport product (launched April 2026), a rewards ecosystem distributed through car wash and quick-lube operators that generates durable, non-wash recurring revenue from automotive partner transactions including insurance, refinancing, extended warranties, dashcams, and tires. Customer segments are verticalized: P&C insurance carriers (primary, including Lemonade, Insurify, Rein, AA Direct, AssuranceAmerica, Novo, Ohio Mutual, Viu by Hub, Kentucky National, and a Top-10 P&C carrier) represent the core enterprise motion via direct sales and demos, while car wash and quick-lube operators represent a mid-market channel-partner motion with zero IT integration required from operators. Headcount is reported at 1–10 employees, the company is founder-backed with no disclosed institutional funding rounds, and operating geography is the United States (Denver-headquartered per recent press coverage).

Name

Ownli

Legal name

Ownli

Website

https://ownli.co

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Ownli is a first-party data infrastructure platform that enables P&C insurance carriers to collect verified, consent-based data from policyholders via AI-powered check-in workflows, and operates Car Care Passport, an automotive rewards ecosystem distributed through car wash operators.

Ownership category

akta.pro rank

Product category

Insurtech Data Infrastructure

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Property and Casualty Insurance Carriers (524126)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Telematics & Usage-Based Insurance (UBI) Platforms (FSAGAGAF)

akta.pro secondary industries

Personal Auto Insurance (FSAJAMAA), Telematics-Based Insurance & Usage-Based Rating (UBI) (TLABANAK)

Keywords

• First-party data platform
• Insurtech data infrastructure
• Policyholder engagement
• Verified data marketplace
• AI data verification

Headquarters

HQ city

New York

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, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Data Marketplace / Transaction Fees: Ownli operates as an equitable data marketplace connecting insurers seeking verified first-party data with policyholders who own and share their data for rewards. Revenue appears to come from data transactions between carriers (data buyers) and policyholders (data owners), with carriers paying for access to verified, consent-based data.
2. Affiliate Revenue Share (Automotive): Car wash operators earn lifetime affiliate revenue share on enrolled members for automotive partner transactions including insurance, refinancing, extended warranties, dashcams, and tires. Operators receive recurring monthly revenue independent of wash volume or weather conditions.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Ownli operates a first-party data infrastructure platform for property and casualty (P&C) insurance carriers that enables insurers to collect, verify, and reward policyholders for submitting verified mileage, vehicle condition, property, and other risk data through structured check-ins. The platform uses an AI-powered verification engine for fraud screening and recency validation, and is delivered via REST APIs and SDKs for partner integration. Ownli also operates a consumer-facing Car Care Passport rewards ecosystem distributed through car wash operators and an Insurance Profile shopping tool that connects drivers with carriers.

Product overview

Ownli operates as a first-party data infrastructure platform with a platform-plus-modules architecture. The core Ownli Platform provides verified, consent-based data collection workflows for P&C insurance carriers across auto, property, business, and recreational lines. The platform's three check-in sub-products (Mileage Check-in, Condition Check-in, Proof of Address Check-in) form the data capture foundation, while the Ownli API and SDK Plugins enable partner integrations. Additional modules include Car Care Passport (automotive rewards ecosystem for car wash operators), Ownli Insurance Profile (car insurance shopping marketplace connecting drivers with 100+ carriers), and Ownli Pay Per Mile Solution (usage-based insurance program for insurers). The platform rewards policyholders for sharing verified data while providing carriers with accurate, fraud-screened first-party data for underwriting and pricing.

Differentiator

Problem solved

Functional benefit

Brands

• Car Care Passport: A rewards ecosystem for car wash and quick-lube operators that enables operators to generate durable, non-wash recurring revenue through affiliate partnerships while providing drivers with cash-back incentives and automotive savings including insurance, refinancing, extended warranties, dashcams, and tires.

Products and services

• Ownli Platform First-party data infrastructure platform for P&C insurance carriers that enables enrichment of existing data sources with verified, consent-based data submitted directly by policyholders. Supports auto, property, business, and recreational lines with AI-powered verification and reward mechanisms.
• Car Care Passport Automotive rewards ecosystem for car wash and quick-lube operators providing cash-back incentives and automotive savings on insurance, refinancing, extended warranties, dashcams, and tires. Enables wash operators to generate recurring affiliate revenue.
• Ownli Insurance Profile Car insurance shopping tool that allows drivers to compile and verify vehicle and coverage data, connect with agents from 100+ insurance providers, approve data access, and receive customized quotes, with compensation for access sold.
• Ownli Pay Per Mile Solution Regulatory-approved, out-of-the-box pay-per-mile insurance solution that enables insurers to launch usage-based insurance programs without IT integrations, incentivizing policyholders to share certified mileage data.
• Ownli API REST API enabling partners to manage users, vehicles, check-ins, rewards, payouts, photos, files, and marketplace operations with JWT Bearer authentication and separate admin/user token scopes.
• Ownli SDK Plugins Drop-in SDK plugins for Node.js, Angular, React Native, Swift, and Flutter that enable mobile and web applications to integrate with Ownli's data marketplace, check-in workflows, and reward systems.

Quantifiable outcome

• 74% of policyholders more likely to renew with their insurer after participating in Ownli program
• +5 more outcomes

Named customers11 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability4 records

Feature5 records

Partnerships

Eleven partnerships are on record, tiered core.

• DIMOcoreTechnology or Integration · 6 April 2026DIMO is an integration partner for the Ownli Insurance Profile, allowing users to sync vehicle data automatically rather than entering manually. This integration enables seamless vehicle data collection for insurance shopping.
• LemonadecoreTechnology or IntegrationTop P&C insurance carrier using Ownli's verified first-party data platform. Lemonade serves as a customer utilizing Ownli's policyholder engagement and data verification services.
• InsurifycoreTechnology or IntegrationInsurance carrier partner utilizing Ownli's verified first-party data platform for policyholder engagement and data collection.
• ReincoreTechnology or IntegrationP&C insurance carrier partner using Ownli's data verification and policyholder engagement platform.
• AA DirectcoreTechnology or IntegrationInsurance carrier partner utilizing Ownli's verified first-party data services.
• AssuranceAmericacoreTechnology or IntegrationInsurance carrier partner using Ownli's platform for policyholder data verification.
• NovocoreTechnology or IntegrationInsurance carrier partner utilizing Ownli's data verification and engagement platform.
• Ohio MutualcoreTechnology or IntegrationRegional P&C carrier partner using Ownli's verified first-party data platform.
• Viu by HubcoreTechnology or IntegrationInsurance carrier partner utilizing Ownli's data verification services.
• Kentucky NationalcoreTechnology or IntegrationInsurance carrier partner using Ownli's verified first-party data platform.
• Top 10 P&C CarriercoreTechnology or IntegrationMajor P&C insurance carrier utilizing Ownli's verified first-party data platform for policyholder engagement, referenced in customer testimonials.

Scale indicators8 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• CCC Intelligent Solutions: CCC Intelligent Solutions provides data, software, and AI to P&C insurers, including vehicle condition, claims, and telematics data. It is closely comparable to Ownli in serving P&C carrier data and workflow needs.
• Mitchell International: Mitchell provides software, data, and workflow solutions for P&C insurers including vehicle and property data. It overlaps with Ownli's auto condition, mileage, and property data offerings for carriers.
• Cambridge Mobile Telematics: CMT is a leading telematics and usage-based insurance platform powering pay-per-mile and behavior-based programs for major auto insurers. Ownli's Pay Per Mile product and mileage verification compete in the same UBI adjacencies.
• Octo Telematics: Octo provides telematics and data analytics for usage-based auto insurance globally. It is a comparable data-driven UBI platform serving insurance carriers in a similar category to Ownli's pay-per-mile and verified data stack.

Broad incumbents

• Verisk: Verisk is the dominant insurance data analytics and underwriting data provider serving P&C carriers. Ownli explicitly positions itself as a consent-based alternative to third-party data approximations sold by Verisk and similar brokers.
• LexisNexis Risk Solutions: LexisNexis Risk Solutions provides third-party data used by P&C carriers for underwriting and pricing. It is the type of incumbent data broker Ownli aims to displace with verified first-party data from policyholders.

Emerging players

• Carpe Data: Carpe Data supplies alternative data signals to insurance carriers for underwriting and claims. It is comparable as a smaller data-vendor peer competing to enrich carrier decisioning, though with third-party rather than consent-based data.
• EverQuote: EverQuote operates an insurance shopping marketplace connecting consumers with carriers. Ownli's Insurance Profile product overlaps with EverQuote's role as an insurance shopping and consumer-data intermediary.
• Smartcar: Smartcar provides a connected-car API that enables apps and insurers to access vehicle data with owner consent. It is directly comparable to Ownli's DIMO integration model for vehicle data capture in insurance.
• Zesty AI: Zesty AI provides AI-driven property risk analytics to P&C insurers using imagery and alternative data. It is comparable as an emerging AI-data vendor serving carriers' underwriting and pricing workflows, similar to Ownli's property check-in data.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ownli

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Ownli