2022年2月25日

马修斯·里奥尔菲和杰罗姆·塞勒斯是在汽车共享市场Turo工作时认识的，当时他们都在为Turo的保险计划进行全球扩张。在那段时间里，两人看到了一个机会，创办了自己的保险科技公司Tint。Tint为包括保险技术公司在内的公司提供了包括api在内的平台的嵌入式保险选项，以及后端支持。嵌入式保险通常捆绑在产品或服务的购买中。它不需要与保险公司进行单独的交互，而是将保险范围集成到交易中。里奥菲说:“我们观察了市场，发现许多公司都在推出嵌入式保险。”“我们相信，嵌入式保险是保险行业自诞生以来最大的变革。”2月1日，Tint宣布获得由QED Investors领投的2500万美元a轮融资。这轮融资的参与者包括Nyca、Deciens、Y Combinator和Webb Investment Network。去年3月，该公司还在种子轮融资中筹集了375万美元。 Tint currently works with such companies as Outdoorsy , Deel, Neighbor, Riders Share and Citizen Shipper, amongst others. “We believe that embedded is here to stay,” says Riolfi. “It changes everything. We don’t need the full value chain. We can get the same products to customers in a streamlined way. If you fast-forward 10 years, we believe a lot of insurance use cases will be embedded.” Riolfi expects more insurance coverage to be hidden from customers like how an Airbnb rental or a ridesharing trip has an insurance product attached but doesn’t inform the customer of that insurance. “You get insurance but you don’t think about it,” says Riolfi. “We expect to be the operating system and the infrastructure that is powering the new insurance world. … I believe Amazon and Apple have taught us that it is all about the user experience. Customers will demand a better experience and companies will follow.” Tint currently employs 20 people and expects to hire an additional 80 employees before the end of the year. Tint anticipates change within the industry but expects many traditional insurers to navigate it. “Carriers shouldn’t be afraid that change is coming, think hard about how to operate and thrive in this new world,” says Riolfi. “Most carriers have been through changes and most have thrived so I expect the same will happen with embedded.”