FutureProof Technologies, a venture-backed InsurTech using AI to automate property insurance underwriting, has launched a new personal lines programme targeting condo and renters insurance in catastrophe-exposed areas of the southeastern United States, in partnership with wholesale broker Bridge Specialty Group.
The programme will focus on excess and surplus (E&S) lines cover in high-risk states including Florida and Texas, where traditional insurers have increasingly pulled back due to severe weather exposure. Bridge Specialty Group will handle distribution, bringing its wholesale personal lines network and carrier capacity to drive product placement and retail agent appointments.
Alongside Bridge, the programme has been built with Accelerant, a data-driven risk exchange platform for the specialty insurance market, which will provide stable, long-term capacity. Accelerant’s infrastructure also delivers data analytics and operational support to allow FutureProof to concentrate on its core underwriting function.
FutureProof’s platform handles the entire underwriting process automatically, drawing on granular, property-level data to generate highly predictive quotes in real time.
FutureProof operates as both an MGA and an insurance agency, and is backed by Silicon Valley and insurance-sector investors including Innovation Endeavors and MS&AD Ventures. The company focuses on catastrophe-exposed markets and also looks to create incentives for property resilience through its underwriting approach.
FutureProof Technologies co-founder and co-CEO Alisa Valderrama said, “Condo and renters policyholders in catastrophe-prone states like Florida and Texas are among the most underserved in the country. By partnering with Accelerant and Bridge, we can bring our AI-powered view of risk to a segment that has been largely underserved, delivering fast, accurately priced coverage to the people who need it most.”
Bridge Specialty Group chief operating officer Joe Failla said, “FutureProof has built something genuinely different.
“Their ability to deliver instant, AI-priced quotes on condo and renters coverage in Florida and Texas gives our retail brokers a competitive edge in markets where finding quality coverage can be challenging. Bridge will bring this capability to market through our wholesale Personal Lines platform, combining specialized agent support with broad market access to help agencies serve customers who are struggling to find options.”
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