INSHUR

INSHUR: commercial auto insurance for the on-demand economy

INSHUR is a digital insurance platform specializing in embedded commercial auto insurance for the on-demand economy. It operates in the United States, United Kingdom, and the Netherlands, and offers online coverage for drivers on mobility, delivery, and transportation platforms. The company presents itself as a global provider of embedded insurance and states that it has an award-winning digital platform and market expertise in this segment.

Origins and evolution

The INSHUR story begins in 2016 in New York, driven by Dan Bratshpis, who, coming from an immigrant family with several cab drivers, observed how the rise of Uber and Lyft was transforming the taxi industry and identified that purchasing commercial auto insurance remained a traditional process, with complex paperwork and in-person requirements. Together with co-founder David Daiches, he developed the first version of INSHUR to offer these drivers a more transparent and flexible way to obtain the right coverage.

Growth milestones

• 2016: INSHUR founded in New York with the launch of its rideshare policy, serving the city's 120,000 drivers.
• 2018: relaunch as a digital brand after signing a capacity agreement with Munich RE; signing of an affinity partnership with Uber; expansion to the United Kingdom with the launch of the rideshare policy; and securing Series A investment.
• 2020: launch in the Netherlands and creation of an in-house claims agency in New York to manage the claims experience internally.
• 2021: launch of the last-mile delivery/courier policy; Series B investment led by JVP; and opening of the UK office to expand claims management capabilities.
• 2022: partnership with Wakam; collaboration with Amazon through the Pay as you Flex product; launch of the commercial vehicle (owned goods) policy.
• 2023: Series B1 funding; acquisition of American Business Insurance Services, Inc. (ABI), which provides nationwide coverage in the United States; designation as Uber's preferred insurance partner in the United States; partnership with Turo; and addition of ICW Group and Sirius Point to the reinsurance panel.
• 2024: Series B2 with Viola Growth and MS&AD Ventures.
• 2025: surpassing one million policies sold in the United Kingdom across all products; and 25 million hours of active coverage for the Pay as you Flex product.

Products and coverage

INSHUR's catalog includes rideshare, last-mile delivery or courier, commercial vehicle for owned goods, and the Pay as you Flex product, developed as part of its collaboration with Amazon. The company offers online commercial auto insurance coverage tailored to each region where it operates.

Segments and sectors served

INSHUR directs its solutions to the on-demand economy, with specific focus on three areas: autonomous vehicles, last-mile delivery, and non-emergency medical transport. Its platform partners include Uber, Amazon, and Turo, and the company states that it is Uber's preferred provider in the United States and an Amazon partner.

Presence and structure

The company has offices in the United States, United Kingdom, and the Netherlands, and operates in those three markets. Its offering is structured through end-to-end insurance programs and platform partnerships, with access to a panel of reinsurers that has included Munich RE, Wakam, ICW Group, and Sirius Point. For intermediaries in the United States, it has a dedicated broker portal.

Recognition and recent activity

INSHUR presents itself as the winner of the Best Customer Services Product 2024 award. In 2025, it announced the appointment of Guy Farley, co-founder and former CTO of ManyPets, to its UK advisory board, with the aim of advancing its strategy in autonomous vehicles and artificial intelligence. That same year, together with Mobilitas and Incline, it launched a dynamic-pricing insurance program for professional rideshare and for-hire vehicle drivers in the United States, with expected premium volume exceeding $50 million. It also brought on Christopher Aragon as head of US sales and operations.