InsuraGuest
InsuraGuest is a Utah-based insurtech SaaS company that provides subscription-based, no-fault short-term vacation rental and hospitality insurance underwritten by Crum & Forster, distributed through pre-built integrations with 15+ property management platforms including Airbnb and VRBO.
- Company typePublic
- Founded2017
- HeadquartersSalt Lake City, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What InsuraGuest does
InsuraGuest, Inc. is a Utah-incorporated insurtech company founded in 2017 and listed on the TSX Venture Exchange (ISGI.V) and OTCQB (ISGIF) that operates a proprietary digital insurance platform purpose-built for the short-term vacation rental and hospitality markets. The platform is delivered as a self-serve subscription offering two tiers of coverage — $69 per month for up to $10,000 in combined accidental medical, property damage, and theft coverage, or $99 per month for up to $25,000 — and is distinguished by a no-fault claims model with most claims paid within 72 hours. Insurance products are underwritten by Crum & Forster (United States Fire Insurance Company) and administered through two wholly owned subsidiaries, InsuraGuest Agency, LLC (a licensed Utah insurance agency) and InsuraGuest Risk Purchasing Group, LLC (formed under the Federal Liability Risk Retention Act of 1986), with property damage coverage delivered through a service contract with GuestPlus, LLC.
The core distribution advantage is a set of pre-built integrations with more than 15 property management and OTA platforms — including Airbnb, VRBO, Booking.com, Hostaway, Guesty, Hostfully, IGMS, Tokeet, OwnerRez, and Lodgify — that embed automated nightly insurance fee collection into the reservation workflow, enabling property owners to offset subscription costs by passing a per-night fee to guests. Adjacent product lines include ISG Active (sports and event participant coverage such as ski resort activities), a Warranty Plan service contract for accidental damage to personal property, and a commercial-grade CBIZ Vacation Rental Insurance product offering $2M aggregate general liability, property, business income, and amenity coverage. The company also launched an enhanced luxury hospitality liability suite in January 2025 and an affiliate revenue channel in February 2026, alongside international expansion into the Dominican Republic.
InsuraGuest generates revenue through recurring monthly subscription fees from property owners, transaction-based guest fees collected via PMS integrations, insurance agency commissions on underwritten policies, and affiliate referral commissions. The company is licensed and operating in all 50 US states and Canada, has cumulatively insured over 1,000,000 guests, reported 21% year-over-year revenue growth with a 44% gross margin expansion in its February 2025 results, and is led by a small team (11-50 employees) under a board that added Canadian capital markets veteran Paul Skene in April 2024. The company has raised modest capital to date, including a fully subscribed $813,111 rights offering in April 2024, with key shareholder Douglas Anderson holding approximately 31% of the equity.
InsuraGuest firmographics
Firmographics- Name
- InsuraGuest
- Legal name
- InsuraGuest, Inc.
- Website
- https://insuraguest.com
- Company type
- Public
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- InsuraGuest is a Utah-based insurtech SaaS company that provides subscription-based, no-fault short-term vacation rental and hospitality insurance underwritten by Crum & Forster, distributed through pre-built integrations with 15+ property management platforms including Airbnb and VRBO.
- Ownership category
- akta.pro rank
InsuraGuest industry classification
Industry- Product category
- Vacation Rental 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
- Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)
Keywords
Where InsuraGuest is headquartered
LocationHeadquarters
- HQ city
- Salt Lake City
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
InsuraGuest business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure
Revenue model
- Subscription Revenue: Monthly subscription fees from property owners and managers for insurance coverage. Two primary tiers: $69/month for up to $10,000 coverage or $99/month for up to $25,000 coverage. Revenue is recurring and predictable based on active subscriptions.
- Guest Fee Revenue: Property owners collect nightly fees from guests through the PMS integration, with a portion potentially flowing to InsuraGuest. This cost-sharing model allows owners to offset subscription costs and creates additional revenue per reservation.
- Insurance Commissions: InsuraGuest Insurance Agency, LLC is paid commissions and may receive other compensation for its services as a licensed insurance agency. The company administers insurance products underwritten by partner carriers including United States Fire Insurance Company and Crum & Forster.
- Affiliate Referral Revenue: Third-party affiliates promote InsuraGuest's risk management and property coverage solutions in exchange for commission-based compensation, expanding distribution without increasing fixed operating costs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | $69/month - $10,000 Coverage Tier |
| Subscription | Monthly | $99/month - $25,000 Coverage Tier |
| Subscription | Monthly | $60/month - $10,000 Coverage (Legacy Pricing) |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
InsuraGuest product offering
Product offeringCore offering
InsuraGuest operates a proprietary InsurTech SaaS platform that delivers subscription-based vacation rental insurance covering accidental medical, property damage, and theft. Property owners subscribe monthly at $69 or $99 per month, configure coverage through the platform, and use pre-built integrations with 15+ property management systems (Airbnb, VRBO, Hostaway, Guesty, Hostfully, etc.) to automate guest fee collection and offset subscription costs. Claims are processed within 72 hours on a no-fault basis.
Product overview
InsuraGuest operates as a subscription-based insurtech platform offering vacation rental insurance products. The core offering is the Vacation Rental Insurance subscription (available at $69/mo for $10,000 coverage or $99/mo for $25,000 coverage), which includes accidental medical benefits, property damage coverage, and theft protection. The platform integrates pre-built with major PMS platforms (Airbnb, VRBO, Hostfully, Guesty, Hostaway, and others) to automate guest fee collection. Adjacent products include ISG Active for sports events, the Warranty Plan (service contract) for property items, and a partnership product (CBIZ Vacation Rental Insurance) for comprehensive commercial coverage. A new Affiliate Revenue Channel program enables third-party distribution. All products are administered through InsuraGuest Agency, LLC and underwritten by Crum & Forster.
Differentiator
Problem solved
Functional benefit
Brands
- ISG Active: Sports and event participant insurance coverage for owners of hospitality facilities such as ski resorts offering event participation to guests.
Products and services
- Vacation Rental Insurance Subscription Primary subscription-based insurance product for short-term vacation rental property owners, providing accidental medical coverage up to $25,000, property damage coverage up to $25,000, and theft coverage up to $2,500. Property owners can share costs with guests via a nightly fee added to reservations through PMS integrations. Claims are paid within 72 hours on a no-fault basis.
- ISG Active Sports & Event Insurance Sports and event participant insurance coverage for hospitality facilities such as ski resorts offering recreational activities. Provides both facility owner liability coverage and participant/guest coverage for activities purchased during stays.
- CBIZ Vacation Rental Insurance Comprehensive commercial insurance offering delivered through CBIZ partnership, providing Commercial General Liability ($2M aggregate, $1M per occurrence), property coverage with replacement cost, business income protection, and amenity coverage for pools, docks, and watercraft. Targeted at luxury properties and property management companies, underwritten by an A-rated carrier.
- Warranty Plan (Service Contract) Vacation Rental Service Contract Plan included with paid subscriptions that covers repair or replacement cost of accidentally damaged personal property items listed on the Coverage page within eligible commercial vacation rental properties. Claims exceeding $3,000 may require additional documentation such as police reports. Issued by GuestPlus, LLC.
- Hospitality Liability Product Suite Comprehensive liability coverage solutions for hospitality operators, including a luxury tier designed for high-end hotels and resorts. Addresses unique risks associated with hospitality operations such as commercial general liability, property coverage, business income protection, and amenity coverage.
Quantifiable outcome
- Most claims paid within 72 hours
- +3 more outcomes
Companies that use InsuraGuest
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles3 records
InsuraGuest technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration13 records
Feature4 records
InsuraGuest partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- CBIZcoreInsuraGuest partnered with CBIZ to offer comprehensive commercial insurance coverage for vacation rental properties. The partnership provides commercial general liability ($2M aggregate, $1M per occurrence), property coverage with replacement cost, business income protection, and amenity coverage for pools, docks, and watercraft. CBIZ provides access to A-rated insurance carriers nationwide for commercial lines targeting luxury properties and property management companies.
- Crum & ForstercoreInsurance products are underwritten by Crum & Forster, a registered trademark of United States Fire Insurance Company. Crum & Forster provides the insurance capacity and underwriting for the hospitality and event participant insurance programs offered through InsuraGuest Insurance Agency and InsuraGuest Risk Purchasing Group, LLC.
- GuestPlus, LLCcoreCoverage for property damage claims is provided through a service contract issued by GuestPlus, LLC. This partnership enables the warranty plan component of the vacation rental subscription service, covering accidental damage to personal property items owned by property owners.
- United States Fire Insurance CompanycoreInsuraGuest has made arrangements with United States Fire Insurance Company to provide insurance coverage to hosts, guests, participants and purchasers with respect to certain liabilities arising from rental transactions. This is the primary insurance carrier for the policyholder protection offered through the platform.
- Dominican Republic Local PartnerminorInsuraGuest entered into an affiliate agreement with a local partner in the Dominican Republic to support international market penetration. The Dominican Republic is identified as one of the fastest-growing short-term rental regions globally with approximately 51,400 active listings and sector growth exceeding 70%.
- AirbnbcorePre-built integration with Airbnb's platform allowing property owners using InsuraGuest to add insurance fees to reservations. The integration enables seamless guest fee collection and coverage activation for Airbnb-listed vacation rental properties.
- VRBO (HomeAway)coreIntegration with VRBO/HomeAway platform for adding nightly insurance fees to reservations. Property owners can configure guest fee collection directly within the VRBO listing management interface.
- Property Management Systems (Hostaway, Guesty, Hostfully, Booking.com, IGMS, Hostify, Tokeet, OwnerRez, Lodgify, and others)coreInsuraGuest has established integrations with over 15 property management systems enabling automated nightly fee collection for insurance coverage. These include Hostaway, Guesty, Hostfully, Booking.com, IGMS, Hostify, Tokeet, OwnerRez, Lodgify, HomeToGo, Yonder Vacation Rentals, Bring Fido, VacayMyWay, 9flats, TripAdvisor, Homads, and Homestay. The integrations allow property managers to configure blanket coverage and fee collection for all properties on their platform.
Scale indicators8 records
Recent moves8 records
Expansion highlights6 records
InsuraGuest competitors and assessment
Company assessmentBroad incumbents
- Assurant: Assurant is a specialty insurance and services company with substantial connected-property and rental product exposure; comparable to InsuraGuest's approach to bundled, platform-integrated insurance coverage.
- Travelers: Travelers is a major US P&C insurance incumbent offering homeowners, commercial, and specialty coverage that overlaps with InsuraGuest's property damage and liability product lines, with significantly greater capital and distribution.
- Liberty Mutual Insurance: Liberty Mutual is a large global P&C insurance carrier with homeowners, specialty, and commercial lines that overlap with InsuraGuest's coverage scope; a benchmark incumbent for carrier scale and underwriting depth.
Emerging players
- Next Insurance: Next Insurance is a digital small-business insurance carrier offering streamlined online underwriting — overlapping in target customer (small operators/property managers) and digital subscription model with InsuraGuest.
- Slice Labs: Slice is an on-demand insurtech platform offering digital, usage-based coverage including for short-term rentals and gig-economy scenarios; comparable to InsuraGuest in digital distribution of niche property insurance.
- Cover Genius: Cover Genius provides an embedded-insurance API platform for digital commerce, sharing InsuraGuest's product-led, in-workflow distribution approach for niche lines such as travel/rentals.
- Hippo Insurance: Hippo is an insurtech carrier focused on homeowners insurance, overlapping with InsuraGuest's property insurance positioning and partnering with embedded distribution channels like home/rental platforms.
- Lemonade: Lemonade is a digital-first insurance carrier using AI-driven claims and a B-Corp framing; a comparable insurtech in technology and digital distribution, though broader in product scope than InsuraGuest.
- Boost Insurance: Boost is an insurance infrastructure platform that enables digital brands to launch and distribute insurance products — directly comparable to InsuraGuest's model of embedding insurance coverage into third-party platforms (PMS/OTAs).
Direct peers
- Proper Insurance: Proper Insurance is a specialty insurance provider focused specifically on vacation rental and short-term rental properties, including accidental medical, property damage, and liability coverage — the closest direct competitor to InsuraGuest's core product.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
InsuraGuest social profiles
Digital presenceInsuraGuest financial estimates
Financial estimateRevenue estimate
Valuation estimate
InsuraGuest leadership team
Management profileNumber of profiles
Profiles1 record
InsuraGuest subsidiaries and ownership
Company hierarchySubsidiaries2 records
InsuraGuest funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
InsuraGuest 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 InsuraGuest
What does InsuraGuest do?
InsuraGuest operates a proprietary InsurTech SaaS platform that delivers subscription-based vacation rental insurance covering accidental medical, property damage, and theft. Property owners subscribe monthly at $69 or $99 per month, configure coverage through the platform, and use pre-built integrations with 15+ property management systems (Airbnb, VRBO, Hostaway, Guesty, Hostfully, etc.) to automate guest fee collection and offset subscription costs. Claims are processed within 72 hours on a no-fault basis.
Is InsuraGuest a public or private company?
InsuraGuest is a public company. It is classified as public and is currently operating.
When was InsuraGuest founded?
InsuraGuest was founded in 2017. It employs 11 to 50 people.
Where is InsuraGuest based?
InsuraGuest is headquartered in Salt Lake City, United States, in the North America region.
How does InsuraGuest make money?
Four revenue lines are on record. Subscription Revenue is the primary driver. The others are guest Fee Revenue, insurance Commissions and affiliate Referral Revenue.
Who are InsuraGuest's main competitors?
Broad incumbents on record are Assurant, Travelers and Liberty Mutual Insurance. Emerging players are Next Insurance, Slice Labs, Cover Genius, Hippo Insurance, Lemonade and Boost Insurance. Proper Insurance is listed as a direct peer.
Does InsuraGuest have an API?
No public API is recorded for InsuraGuest.
What industry is InsuraGuest in?
InsuraGuest's product category is Vacation Rental Insurance Software. Its primary akta.pro industry code is FSAEADAN, Insurtech-Enabled Brokerage (Digital Brokers & Aggregators). Its NAICS code is 524210 and its SIC code is 6411.