We Care Insurance

What We Care Insurance does

We Care Insurance Inc. is an independent insurance brokerage founded in 2019 by Chris Cook and headquartered in Omaha, Nebraska. The company operates as a licensed brokerage in six US states (AZ, CA, IA, NE, TX, UT) with affiliated partnerships in four additional states (ID, MO, NV, NY), distributing personal and commercial insurance products on behalf of multiple carriers including Auto-Owners, Travelers, Safeco, Progressive, Nationwide, Dairyland, Blue Cross Blue Shield, Cigna, United Health Care, MetLife, and Mutual of Omaha, among others.

The product catalog is horizontally broad, covering personal lines (homeowners, renters, condo, manufactured home, landlord, vacant, farm, flood, auto, motorcycle, boat, RV, ATV, snowmobile, golf cart, classic car, life, health including Medicare and Medicaid, dental, vision, pet) and commercial lines (small business BOP, professional E&O, commercial auto, workers compensation and EPLI, bonds, event and short-term coverage), plus add-on products such as umbrella, cyber, identity theft, travel, and personal articles. The firm is developing a proprietary workflow platform called Insurance-Bundle, currently in alpha, intended to centralize quoting, policy management, document storage, claims filing, payment, and jargon explanations. Underlying infrastructure is built on HubSpot CRM, Google Cloud, and a CoverWallet integration for ACORD form processing.

Revenue is generated entirely through carrier commissions on policies sold and serviced, with no direct premium risk or underwriting exposure. Customer acquisition combines direct channels (website self-serve quotes, phone sales, tawk.to chat, email) with partner channels including a co-location arrangement with Keiser Wealth Management at the Omaha headquarters and a referral giveback program directing payouts to referrers, referred friends, or charitable partners (American Red Cross, The Salvation Army). The firm is privately held, founder-controlled, bootstrapped with no disclosed institutional funding, and operates with 1-10 employees.

Name

We Care Insurance

Legal name

We Care Insurance Inc.

Website

https://wecare-insurance.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

We Care Insurance is an independent insurance brokerage offering personal and commercial lines (home, auto, life, health, pet, business, professional) across multiple carriers, licensed in six US states and partnered in four more, serving individuals, families, and small businesses.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industry

Simplified Issue Whole Life / UL Insurance (FSAIABAH)

Keywords

• Insurance brokerage services
• Personal insurance products
• Commercial insurance coverage
• Independent insurance agents
• Multi-carrier insurance

Headquarters

HQ city

Omaha

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Revenue generated from commissions paid by insurance carriers for policies sold and serviced on their behalf. As an independent brokerage, they represent multiple carriers and earn referral/sales commissions.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

We Care Insurance is an independent insurance brokerage that sells and services personal and commercial insurance policies on behalf of multiple carriers. Customers obtain quotes by phone, online, or through partner referrals, and the brokerage places coverage with carriers across home, auto, life, health, pet, business, and specialty lines. Agents handle quoting, bundling, policy changes, and claims support, while an in-development proprietary Insurance-Bundle application is intended to unify policy management and explain insurance jargon.

Product overview

We Care Insurance is an insurtech insurance brokerage that offers a comprehensive portfolio of personal and commercial insurance products. The company provides personal lines including home/dwelling insurance (homeowners, renters, condo, manufactured home, landlord, vacant, farm, flood), vehicle insurance (auto, motorcycle, boat, RV, ATV, snowmobile, golf cart, classic car), life insurance (whole, term, universal), health insurance (ACA plans, Medicare, Medicaid, dental, vision), and pet insurance (cat, dog). They also offer commercial insurance products including small business policies, professional E&O coverage, commercial auto, workers compensation, bond insurance, and event/short-term coverage. Additional products include personal articles insurance, umbrella policies, cyber security, identity theft, and travel insurance. The company operates as a licensed brokerage in AZ, CA, IA, NE, TX, UT with partnerships in ID, MO, NV, NY. The platform offers bundling options for multiple policies and provides quote, policy management, and claims services through their website and agent network.

Differentiator

Problem solved

Functional benefit

Brands

• Insurance-Bundle: An all-in-one insurance application providing support, documents, easy policy changes, claim filing, payment options, quoting, and jargon explanations.

Products and services

• Home Insurance Homeowners insurance providing dwelling coverage, personal property protection, liability coverage, and loss of use protection with Low, Standard, and Premium tiers; for individual homeowners seeking primary-residence protection.
• Dwelling Insurance Property insurance covering various dwelling types including homes, condos, renters, manufactured homes, landlord properties, vacant properties, and farms with Basic, Broad, and Special policy tiers.
• Renters Insurance Tenant insurance covering personal property, liability, and loss of use for renters with Low, Standard, and Premium coverage options.
• Condo Insurance Insurance for condominium owners covering dwelling and personal property with Low, Standard, and Premium tiers.
• Manufactured & Mobile Home Insurance Specialized insurance for manufactured and mobile homes with Low, Standard, and Premium coverage options.
• Landlord Insurance Property and liability insurance for rental property owners covering dwelling, liability, and loss of use with Low, Standard, and Premium tiers.
• Vacant Insurance Insurance coverage for unoccupied properties with Low, Standard, and Premium options.
• Farm Insurance Comprehensive insurance for farms covering property, liability, and agricultural operations with Low, Standard, and Premium tiers.
• Flood Insurance Water damage protection through FEMA-backed government programs or private carrier policies for properties in flood zones.
• Auto Insurance Vehicle insurance covering cars, SUVs, trucks, and collector vehicles with Low, Standard, and Premium tiers including liability, medical payments, and property coverage.
• Motorcycle Insurance Insurance for motorcycles and other bikes with Low, Standard, and Premium coverage options.
• Boat & PWC Insurance Watercraft insurance covering boats and personal watercraft with Low, Standard, and Premium tiers.
• RV & Trailer Insurance Insurance for recreational vehicles and trailers with customizable coverage options.
• ATV & UTV Insurance Off-road vehicle insurance for all-terrain vehicles and utility task vehicles.
• Snowmobile Insurance Seasonal insurance coverage for snowmobiles.
• Golf Cart & Segway Insurance Insurance coverage for golf carts and Segway personal transporters.
• Classic Car Insurance Specialized insurance for antique and collector vehicles with agreed value coverage.
• Life Insurance Life insurance products including Whole, Universal, and Term life policies with death benefits, cash accumulation, and flexible terms.
• Whole Life Insurance Permanent life insurance with Final Expense, Standard, and Universal options offering death benefits and cash accumulation with possible withdrawals during the policy.
• Term Life Insurance Temporary life coverage for 10, 20, or 30 years with death benefits and optional return of premium features.
• Health Insurance Health coverage including Individual & Family plans, Medicare, Medicaid, and supplemental coverage options.
• Medicare Coverage Government health program for seniors 65+ covering Hospital (Part A), Medical (Part B), Medicare Advantage (Part C), and Prescription (Part D) with various enrollment periods.
• Medicaid Coverage State/federal health program for low-income individuals covering preventative care, prescriptions, emergency care, and long-term care.
• Dental Insurance Dental coverage with Limited, Full, and Full Plus plans covering preventative, basic, major care and optional orthodontics.
• Vision Insurance Vision coverage for eye exams, frames, lenses, and contacts with various plan options.
• Pet Insurance Pet health insurance for cats and dogs offering Standard (accident & illness), Preventative (routine care), and Life (death benefit) coverage.
• Cat Insurance Insurance coverage for cats including accident, illness, emergency care, medications, and standard care with preventative care options.
• Dog Insurance Insurance coverage for dogs including accident, illness, emergency care, and standard care with preventative care options.
• Personal Articles Insurance Standalone coverage for valuable personal items including jewelry, wedding rings, furs, handbags, cameras, bicycles, musical instruments, art, and other high-value possessions.
• Umbrella Policies Extra liability coverage for high net worth individuals or those with extra risks, providing additional protection beyond standard policy limits.
• Cyber Security Insurance Coverage for cyber attacks, hacking, identity theft, and other cyber threats.
• Identity Theft Insurance Financial compensation and restoration services for identity theft victims.
• Travel Insurance Trip insurance covering flights, medical coverage, and travel-related emergencies.
• Small Business Insurance Business owner policies (BOP) for small businesses covering property, liability, workers compensation, data/cyber, commercial auto, and E&O coverage for various business types.
• Professional Insurance (E&O) Errors and omissions insurance for professionals including architects, accountants, engineers, consultants, teachers, tech professionals, insurance agents, real estate agents, financial advisors, doctors, and lawyers.
• Commercial Auto Insurance Commercial vehicle insurance for truckers, tow trucks, auto dealers, repair shops, taxis, food trucks, fleets, and other business vehicles.
• Worker's Compensation & EPLI State-mandated coverage for employee injuries including medical bills and paid time off, plus Employment Practices Liability Insurance (EPLI) for HR-related claims.
• Bond Insurance Various bond types including license/permit bonds, contract bonds, court bonds, fidelity bonds, and business service bonds.
• Event & Short-Term Business Insurance Flexible insurance for events, temporary businesses, and gig economy workers including photographers, consultants, freelancers, and contractors.

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

23 partnerships are on record, tiered core, secondary and minor.

• Keiser Wealth ManagementcoreStrategic or Co-development PartnerCo-location partnership at 11324 Davenport St, Ste C, Omaha, NE 68154. Keiser Wealth Management services insurance needs alongside wealth management services. Cross-referrals between insurance and wealth management clients. Customers directed to call Keiser Wealth Office for directions and support.
• Auto-Owners InsurancecoreOthersInsurance carrier partner providing personal and commercial insurance products including auto, home, landlord, and specialty coverage.
• Travelers InsurancecoreOthersMajor national insurance carrier partner providing property and casualty insurance products.
• Safeco Insurance (Liberty Mutual)coreOthersInsurance carrier partner, particularly used for wood shingle roofs and specialty coverage.
• Progressive InsurancecoreOthersInsurance carrier partner providing auto, motorcycle, boat, ATV/UTV coverage and foreign licensed driver coverage.
• NationwidecoreOthersNational insurance carrier partner providing personal and commercial insurance products.
• Dairyland InsurancesecondaryOthersInsurance carrier partner used for non-standard auto coverage and commercial auto.
• National Flood Insurance Program (NFIP/FEMA)coreOthersFederal flood insurance program administered through private carriers for flood coverage.
• Blue Cross Blue ShieldcoreOthersHealth insurance carrier partner for individual and family health coverage.
• CignacoreOthersHealth insurance carrier partner for individual and family health coverage.
• United Health CarecoreOthersHealth insurance carrier partner for individual and family health coverage.
• Gerber Life InsurancesecondaryOthersLife insurance carrier partner providing whole life and term life insurance products.
• MetLifesecondaryOthersLife insurance carrier partner for life insurance products.
• Mutual of OmahasecondaryOthersLife and health insurance carrier partner.
• Figo Pet InsurancesecondaryOthersPet insurance carrier partner for cat and dog insurance coverage.
• Hartville Pet InsurancesecondaryOthersPet insurance carrier partner for cat and dog insurance coverage.
• Healthy Paws Pet InsurancesecondaryOthersPet insurance carrier partner for cat and dog insurance coverage.
• Viking Insurance AssociatessecondaryOthersInsurance carrier partner used for foreign licensed drivers and specialty auto coverage.
• CoverWalletcoreTechnology or IntegrationTechnology integration for Acord form processing and commercial insurance applications. Used to speed up filling forms 125, 126, 130, 140 for brokers.
• Google CloudcoreTechnology or IntegrationCloud infrastructure provider for data protection and security. All customer data protected through Google Cloud.
• HubSpotcoreTechnology or IntegrationCRM platform used for managing client records and customer relationships. Agents add clients, update carriers, and track contact owners.
• American Red CrossminorOthersCharitable partner receiving donations through referral giveback program.
• The Salvation ArmyminorOthersCharitable partner receiving donations through referral giveback program.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Policygenius: Online insurance brokerage distributing life, home, auto, disability and pet insurance across multiple carriers with an education-forward UX — directly mirroring We Care's multi-line, multi-carrier brokerage model with an insurtech wrapper.
• CoverWallet: Commercial insurance brokerage for small businesses — and We Care's existing technology partner for ACORD forms. Direct competitor in the small commercial lines We Care sells via its website.
• The Zebra: Insurance comparison marketplace for personal auto, home and life across multiple carriers; competes for the same comparison-shopping consumer with a website-led funnel.
• Goosehead Insurance: Independent insurance brokerage franchise distributing personal and commercial lines through carrier partnerships; the closest scaled analog to We Care's multi-carrier brokerage model.
• SmartFinancial: Digital-first insurance comparison brokerage offering personal and commercial lines across multiple carriers; competes for the same comparison-shopping customer with a similar self-serve quote funnel.
• EverQuote: Online insurance marketplace connecting consumer shoppers with multiple agents and carriers in personal lines; competes for the same digital quote-driven customer.

Broad incumbents

• SelectQuote: Large independent brokerage/distribution platform primarily for life and senior health products; a scaled analog to We Care's life and Medicare/Medicaid distribution business.
• Lemonade: Well-funded insurtech carrier in renters, homeowners, pet and life; not a broker but a direct-to-consumer alternative for the same end customers and a benchmark for insurtech UX expectations.
• Integrity Marketing Group: Leading distributor of insurance and wealth management products through independent agents; relevant as a roll-up aggregator model that could one day acquire or compete with We Care's brokerage.

Emerging players

• Next Insurance: Insurtech carrier/broker hybrid focused on small business insurance with bundled policies and digital UX; targets the same small commercial customer segment as We Care's BOP, commercial auto, and workers comp lines.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• Xx.com/WeCareInsure
• YouTubeyoutube.com/channel/UCmYBBPnXGSZ9yALxCxiluLg
• Facebookfacebook.com/wecareinsurance1
• LinkedInlinkedin.com/company/wecare-insurance
• Instagraminstagram.com/wecare_insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 We Care Insurance