A new crop of founders is betting on insurtech in 2026. They’re building across the insurance stack, from underwriting and claims to distribution and risk management.
These founders have all built companies before, but only 2 of the 10 have previously founded insurance companies. The rest bring experience in satellite methane detection, medical billing, compliance software, and consumer lending. Now, most are using AI either to fix how insurance works or to cover the new risks AI creates.
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Insurance has historically been very good at pricing risk, transferring risk, and paying claims after something goes wrong. The biggest opportunity over the next three to five years is moving insurance upstream, from pricing and paying for loss to actively reducing loss before it happens.
Raviv Turner
CEO, OmniGeo
Using CB Insights People data, we profiled these 10 repeat founders across 7 insurtech companies founded in 2026. Here’s what stands out about the companies they’re building:
- The bets split between fixing old workflows and insuring new risks. Dearborn Labs, WriteRisk, Recourse Health, and Coveresy apply AI to existing work in underwriting, claims, and distribution. Ollive and WaniWani are building for markets that AI created: liability from AI systems and insurance sold inside AI assistants.
- Managing general agencies (MGAs) are an early target. 3 of the 7 companies (Dearborn Labs, WriteRisk, and OmniGeo) sell to MGAs, which underwrite and manage policies on behalf of insurance carriers.
- Regulation is a product wedge. Recourse Health is built around the No Surprises Act’s dispute process, Ollive covers regulatory investigations tied to AI systems, and Coveresy builds compliance into its advisor tools.
- A few are already showing traction. WaniWani has raised $8.7M, powered the first insurer-built app OpenAI approved on ChatGPT, and made the 2026 Insurtech 50. OmniGeo was named to a federally funded wildfire resilience accelerator in August.
CB Insights customers can see nearly 2K repeat founders in insurtech here.
What makes these founders stand out
The lending founder pairing human advisors with AI to sell insurance in India
Mohammad Anwar — Coveresy
Anwar has founded companies across fintech and software, including India-based online lending platform ActivPaisa and web app developer Techniqify.
His new company, Bengaluru-based Coveresy, is building an AI-powered insurance guidance platform that pairs certified human advisors with AI policy analysis. It supports advisors with digital onboarding, policy issuance, claims support, and compliance. Coveresy is now hiring to launch a commercial insurance vertical spanning property, liability, marine, and cyber lines.
The Clearcover founder selling his AI playbook to other insurers
Kyle Nakatsuji — Dearborn Labs
Nakatsuji started in insurance as a venture capital principal at American Family Insurance, then co-founded digital auto insurer Clearcover in 2016. Clearcover has raised more than $600M in funding and says AI handles 90% of its claims.
In March 2026, he launched Dearborn Labs inside Clearcover’s holding company to bring that playbook to other insurers. The firm embeds its engineers inside carriers and MGAs to build AI systems for underwriting, claims, and distribution. Through its Launchpad program, it also covers the upfront cost of building these tools for MGAs and earns a fee each time the tools complete a task, such as closing a claim. Dearborn Labs grew from 1 employee in March to 20 by August, with 60% of its team in technology and product roles.
The two founders insuring AI agents against their own mistakes
Mohit Goyal & Purvish Shah — Ollive
Co-founder and CTO Mohit Goyal was on the founding team at on-call automation startup Doctor Droid, part of Y Combinator’s W23 batch. His co-founder Purvish Shah co-founded carbon data platform Carboledger, which helps suppliers and buyers share product-level sustainability data. Both later joined AI medical billing company CombineHealth, where Goyal led technology and Shah led enterprise sales, before co-founding Ollive in early 2026.
Ollive is building what it calls risk infrastructure for AI agents. Its products include AI risk evaluations, an Agent Trust Score, and runtime monitoring, alongside AI errors and omissions coverage for AI vendors selling into enterprise and regulated markets. Ollive enters an emerging category where it will compete with AI liability insurers like Armilla AI, a 2026 CB Insights Insurtech 50 winner.
The Boulder trio building wildfire risk data after a fire took one founder’s home
Raviv Turner, Ophir Almog & Scott Brave — OmniGeo
Raviv Turner co-founded buyer intelligence platform CaliberMind before moving into climate and nature data. Scott Brave co-founded recommendation engine Baynote and AI model platform Bytez. The two previously worked together at identity resolution company FullContact, where Brave was CTO and Turner led user experience. Their third co-founder, Ophir Almog, co-founded Momentick, which uses satellite imagery to detect methane leaks at oil and gas sites.
Their new company, Boulder, CO-based OmniGeo, traces its origins to the 2021 Marshall Fire, in which Brave lost his home. Its OmniFire tool provides property-level wildfire risk data to insurers, MGAs, and reinsurers. In August, OmniGeo joined Innosphere’s ARID accelerator, part of a federally funded initiative supporting wildfire and grid resilience.
Read our full interview with OmniGeo CEO Raviv Turner here.
The serial founder helping healthcare providers fight insurers over surprise bills
David Hegarty — Recourse Health
Hegarty has founded companies in retail and finance, starting with shopping-assistant app Signature Labs in 2009, and later served as CEO of personal finance platform Playbook. His most recent role, consulting on compliance platforms at Nutshell Labs, is closest to his new company.
Recourse Health uses AI to run the payment disputes healthcare providers can file against insurers under the No Surprises Act, with an audit trail for regulators. The company raised a seed round in May 2026 from 25Madison, ahead of its expected funding window (March 2027 to September 2028), and is hiring across engineering, provider growth, and dispute analysis.
The home insurance founder who got insurers onto ChatGPT
Raphaël Vullierme — WaniWani
Vullierme co-founded France-based home insurer Luko, which raised $84M before Allianz acquired its assets in 2024. He is also a partner at Paris-based venture studio Hexa, which backs his new company.
This year, Vullierme founded WaniWani, which lets insurers sell directly inside AI platforms like ChatGPT, Claude, and Copilot. In February, Spanish insurer Tuio used WaniWani’s technology to launch a home insurance app on ChatGPT, the first insurer-built app approved by OpenAI for the platform. The company claims a dozen more insurance apps are in the approval pipeline. WaniWani has raised $8.7M, established relationships with Deloitte and EverQuote, and was named to CB Insights’ 2026 Insurtech 50.
The founding engineer digging underwriters out from under their PDFs
Rohan Baisantry — WriteRisk
Baisantry is a technical founder who has spent his career on early-stage teams. He was a founding engineer at Indian savings and investment app EasyPlan, which went through Y Combinator’s Winter 2020 batch and was later acquired by neobank Jupiter. He also co-founded e-commerce cart recovery startup Hypothesis in 2024 and got his start in insurance as head of engineering at insurance AI consultancy Insuryze Innovation Labs that same year.
His new company, Los Angeles-based WriteRisk, helps MGAs underwrite specialty commercial property insurance. Its AI turns applications buried in PDFs into organized risk profiles, helping underwriters assess submissions and decide which to review first.
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