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美国在线保险平台Next Insurance获2900万美元A轮融资

近日,美国在线保险平台Next Insurance宣布完成2900万美元A轮融资,领投方为慕尼黑Re/HSB Ventures,Markel和Nationwide,跟投方则为该公司多位原投资人。大约一年前,Next Insurance曾获得了1300万美元的种子轮融资。

Next Insurance 2016年成立于美国加州Palo Alto,是一家专门为中小企业提供在线保险服务的保险科技创企。

自2015年以来,已有多家保险科技公司宣布完成大额融资。

  • 作为Next Insurance在美国本土最大的竞争对手,Lemonade曾在2015年完成了由红杉资本领投的大额种子轮融资;
  • 在线车险经纪平台Insurify也于今年年初宣布完成460万美元融资,并计划将于近期在平台推出智能机器人;
  • 同位于加州的保险科技创企Trov在上个月刚刚完成4500万美元D轮融资;

值得注意的是,德国保险业巨头Munich Re在近期美国保险科技市场表现抢眼,在短期内领投了对Trov和Next Insurance的融资,涉及资金总额超过5000万美元。

与Lemonade等保险科技创企的发展策略不同,Next Insurance选择加强与线下保险公司的合作,共同制定产品研发策略,同时,公司还根据自身平台特点,利用先进科技对产品进行个性化包装。

Next Insurance表示,公司致力于与中小企业建立"直接联系",消除中间商环节。此外,公司还针对社会中的特殊人群有针对性地投放保险服务,比如针对瑜伽爱好者的"瑜伽保险",针对设计师的"庭院设计保险",以及针对各类护工的"看护保险"。去年年底,Next Insurance曾与Munich Re合作,推出了面向摄影师的"商业摄影保险"。

Next Insurance创始人兼CEO Guy Goldstein表示,近年来,中小企业的发展规模日益壮大,业务模式也呈现出多样化趋势,然而,针对中小企业的保险市场数字化程度还很低,难以满足行业的发展需求。其中,以摄影师、运动教练等为代表的特殊群体的权益更是难以得到保障。Next Insurance希望能够通过利用大数据技术等尖端科技,简化保险服务流程,解决传统保险服务中存在的弊端,为中小企业以及特殊群体提供高质量的保险服务。

Guy Goldstein还透露,获得的融资将主要被用于产品研发以及行业拓展。

Next Insurance, an online insurance platform that targets small to medium-sized businesses, has raised $29 million in a Series A round of funding led by Munich Re/HSB Ventures, Markel, and Nationwide, with participation from other existing investors.

Founded out of Palo Alto, Calif. in 2016, Next Insurance is the latest in a long line of insurance tech startups to garner VC funding, with the likes of New York-based Lemonade raising one of Sequoia’s largest-ever seed rounds back in 2015, while Insurify recently closed a $4.6 million round for its auto insurance comparison bot, and last month Trov closed a $45 million round. Notably, German insurance giant Munich Re also led that round of funding through its HSB Ventures offshoot.

Unlike fledgling insurance companies such as Lemonade, which is licensed to issue its own policies, Next Insurance partners with existing insurance providers to actually issue the policies, with Next focusing on packaging the policies within its technology platform.

Next Insurance says that it creates a “direct link” with targeted small business owners and focuses on specific industries, such as “yoga insurance,” “landscaper insurance,” and “janitorial insurance.” Indeed, Next Insurance actually partnered with Munich Re back in December to launch an insurance product that targets commercial photographers.

“The small business sector is vast and extremely varied, yet the small business insurance market is digitally underserved,” explained Next CEO and cofounder Guy Goldstein. “This is especially true for independent business owners like photographers and personal trainers that we’re already serving. Next’s platform is able to overcome significant challenges by simplifying and expediting the insurance sign up and engagement process for the small business owner and channeling advanced data analytics to create policies that are tailored to the unique needs of different classes of business.”

Today’s news comes a little more than a year after Next raised a $13 million seed round of funding ahead of its official launch. And with an additional $29 million in the bank, it says it will now double down on building out its insurance products and expanding into new sectors.


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