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Kover builds micropremium
products at scale

We're Hiring!
About Us

Kover is the leading micropremium platform for consumers' everyday pains

Kover is a technology company that builds micropremium products at scale. Businesses of every size - from startups to public companies - embeds our micropremium products to increase conversion, retention and profit margin.

A massive opportunity

A massive opportunity

Insurance has been focused on infrequent catastrophes like house fires & car accidents; but consumers also face frequent pain points like late deliveries, lost income due to technical issues, getting stuck with a non-returnable pair of shoes etc.


These everyday pain points can be solved with “micropremium products” that refund your late packages, reimburse your income loss or buy back your non-returnable orders. Given the ubiquity of everyday pain points, this is a market with unbounded upside.


Kover creates micropremium products at scale through end-to-end automation, from underwriting, to payouts, to distribution. By leveraging billions of consumer data points, Kover creates highly relevant, accurately priced micropremium products sold at “why not” prices, then embed them into millions of consumer user journeys.

The new risk infrastructure

The new risk infrastructure

Applications

Sitting atop our payments platform are micropremium products designed for online user journeys.

Risk Platform

At the core of Kover is our underwriting, payout and distribution engines.

Infrastructure

Our cloud-based infrastructure provides reliability, scalability, and security.

Tech-First Approach

Domain-Agnostic Underwriting

Unlike rule based actuarial processes, which relies on actuaries' domain expertise to create low resolution risk tables, Kover applies advanced neural networks over vast amounts of consumer data to create high-resolution risk scoring models. This enables us to underwrite risks without domain knowledge, creating micropremium products for a wide variety of industries.

Programmable Payout Module

Our programmable payout module lets developers program custom payout triggers by integrating with external datasets and define logics. This enables us developers to create bespoke insurance programs for the users.

API-Enabled Distribution

Once the payout and underwriting components are ready, the micropremium product can be integrated natively into any web applications through RESTful API or Javascript modules.

API Documentation
Tech-First Approach

The first 6 months at a glance

Kover has been experiencing vast momentum in the last 6 months.

4k+
policies sold per month
100 Million+
data points
16
team members

Our Team

Meet the people who power Kover

Alice
Alice
Bill
Bill
Caitlyn
Caitlyn
Josh
Josh
Kim
Kim
Leah
Leah
Luke
Luke
Maria
Maria
Matt
Matt
Mee-Jung
Mee-Jung
Mo
Mo
Nick
Nick
Noelle
Noelle
Stephen
Stephen
Ward
Ward
Zack
Zack

Our Investors

foundation capitalMetLifeCooleyAfore CapitalWest Loop Venturestechstars