SafetyCulture Care

What SafetyCulture Care does

SafetyCulture Care is an insurance services company that distributes Business Owner's Policy (BOP) and Workers' Compensation insurance to small and medium-sized businesses in the United States and Australia. It operates as a managing general agent, with insurance products underwritten by A.M. Best rated carriers rather than retained on its own balance sheet, and it sells through a combination of an appointed broker/producer network and direct website quoting.

The company's core technology is the integration of the parent SafetyCulture Platform — which customers use for inspections, staff training, issue reporting, and operational improvement — into the insurance product. This integration is augmented by IoT Sensors that stream real-time environmental data (notably temperature) into the platform for risk-prevention alerting. SafetyCulture Care complements the technology with human-led virtual insurance surveys conducted by in-house risk consultants, delivering tailored recommendations and ready-made SafetyCulture checklists and inspections.

SafetyCulture Care monetizes through recurring annual premiums on BOP (general liability plus commercial property, with optional Business Income, Data Breach, and Professional Liability coverages) and Workers' Compensation policies, earning commission or fee income as an MGA. Distribution relies on licensed insurance Producers signing a Producer Agreement to access the Broker Portal, supported by self-serve website quotes and direct cross-sell into the parent company's installed customer base. The dual-entity corporate structure separates US operations (SafetyCulture Care Insurance Services, Inc., Delaware, headquartered in Kansas City, MO) from Australian operations (SafetyCulture Care Australia Pty Ltd, ABN 54 662 653 303).

Name

SafetyCulture Care

Legal name

SafetyCulture Care Insurance Services, Inc.

Website

https://care.safetyculture.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

SafetyCulture Care distributes Business Owner's Policy and Workers' Compensation insurance to small and medium-sized businesses in the US and Australia, integrating policies with the parent SafetyCulture Platform and IoT sensors for risk prevention, distributed via an appointed broker network and direct website quoting.

Ownership category

akta.pro rank

Product category

Commercial Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Public Liability (Premises/Operations) (FSAJADAD)

Keywords

• Business insurance products
• Workers compensation insurance
• Risk management platform
• Commercial insurance brokerage
• Insurtech services

Headquarters

HQ city

Kansas City

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Business Insurance Products: Revenue generated from underwriting business insurance policies including Business Owner's Policy (BOP) combining general liability and commercial property insurance, and optional coverages such as Business Income Insurance, Data Breach Insurance, and Professional Liability Insurance.
2. Workers' Compensation Insurance: Revenue from workers' compensation insurance policies providing benefits for work-related injuries or illnesses, including medical expenses, lost wages, rehabilitation costs, and death benefits. Required in most states.
3. Insurance Products Underwriting: Insurance products are underwritten with A.M. Best rated carriers, suggesting partnership-based underwriting model where SafetyCulture Care acts as a managing general agent or broker.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

SafetyCulture Care sells business insurance products, primarily a Business Owner's Policy combining general liability and commercial property coverage (with optional Business Income, Data Breach, and Professional Liability coverages) and Workers' Compensation insurance, to small and medium-sized businesses. Products are underwritten by A.M. Best rated carriers and distributed through appointed insurance producers via a Broker Portal, with direct quote capability on the company website.

Product overview

SafetyCulture Care is an insurance services company that differentiates itself from traditional insurers by integrating risk management with business insurance and workers' compensation. The core products are the Business Owner's Policy (BOP) combining general liability and commercial property insurance, and Workers' Compensation Insurance. These are offered alongside the SafetyCulture Platform, a risk management tool that helps businesses perform inspections, train staff, report issues, and identify improvement opportunities. The platform is complemented by Sensors for real-time environmental monitoring. This integrated approach aims to prevent incidents while providing coverage, rather than simply fixing things after incidents occur.

Differentiator

Problem solved

Functional benefit

Brands

• SafetyCulture Platform: Platform providing tools to perform checks, train staff, report issues, and identify opportunities for business improvement.

Products and services

• Business Owner's Policy (BOP) Comprehensive business insurance package combining general liability insurance (covering third-party bodily injury, property damage, and advertising injury claims) and commercial property insurance (covering physical damage to business property such as buildings, equipment, inventory, and supplies). Designed for small and medium-sized businesses with optional coverages including Business Income Insurance, Data Breach Insurance, and Professional Liability Insurance.
• Workers' Compensation Insurance Insurance policy providing benefits to employees for work-related injuries or illnesses, covering medical expenses, lost wages, rehabilitation costs, and death benefits. Includes liability coverage protecting the business from lawsuits related to workplace injuries. Required in most states.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• SafetyCulture (Parent Company)coreOthersSafetyCulture Care is powered by the SafetyCulture Platform, the parent company's technology. Customers can access SafetyCulture tools to perform checks, train staff, report issues and identify opportunities. The partnership provides risk management technology integrated with insurance offerings.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Embroker: Digital commercial insurance brokerage serving SMBs and growth-stage businesses with curated carrier panels. Comparable broker-led distribution model with technology-forward positioning, competing for similar insureds.
• Next Insurance: Digital-first US carrier focused on small business insurance including general liability, professional liability, and workers' comp, sold online to SMBs. Most directly comparable competitor in target customer, product mix, and digital GTM.
• Thimble: On-demand small business insurance provider offering general liability and BOP-style products by month, day, or project. Comparable in SMB focus and flexible digital distribution, though more micro-segment oriented.
• Pie Insurance: Tech-enabled workers' compensation insurer serving small businesses, combining digital distribution with data-driven underwriting. Direct overlap with SafetyCulture Care's Workers' Comp product and SMB focus.
• Founder Shield: Specialist insurance brokerage for venture-backed startups and SMBs, offering BOP, D&O, and Workers' Comp. Comparable in SMB and tech-enabled brokerage positioning and product mix.

Emerging players

• Bold Penguin: SMB commercial insurance marketplace connecting agents and brokers with carriers. Comparable in SMB focus and broker-channel enablement, though operates upstream as a marketplace rather than a direct MGA.
• Newfront Insurance: Tech-enabled commercial insurance brokerage serving growth and mid-market companies. Comparable in technology-led brokerage positioning and SMB/mid-market customer overlap.

Broad incumbents

• CoverWallet (Aon): Digital small business insurance brokerage owned by Aon, offering online quotes for BOP, workers' comp, and liability products. Comparable in SMB digital brokerage model, now operating with incumbent backing.
• Hiscox Insurance: Established specialty insurer with deep small business and professional liability franchise, including BOP-style packages. Comparable in customer segment and product breadth, but operates as a traditional carrier rather than a tech-integrated MGA.
• The Hartford: Major US carrier with deep small business insurance franchise including BOP, workers' comp, and commercial property. Comparable product portfolio and SMB target market, though with traditional carrier model and broader scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Customer concentration

• LinkedInlinkedin.com/company/safetyculture-care

Revenue estimate

Valuation estimate

Number of profiles

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 SafetyCulture Care