The people
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Working at Cover
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On the TechTO stage
Natalie Gray of Cover presents Fashion to Insurance: Lessons Learned
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About
Cover ran two arms: a brokerage appointed with more than 30 carriers — Travelers, Nationwide and Safeco among them — and an MGA writing its own products. The pitch was that anything you could photograph, Cover could price: cars, homes, pets, drones, boats, comic book collections, and, once, a tank. Co-founder Natalie Gray told TechTO in 2018 that the hard part was not technology but trust: insurance is compulsory, its language is unintuitive, and the average mobile basket was $1,700. The team ran offices in San Francisco and Toronto. In June 2022 Cover terminated all but a handful of staff after funding and acquisition efforts failed, and transitioned its policyholders to another insurer.
Backers
Tribe Capital, Exor, Samsung, Sand Hill Angels, Y Combinator (W16) · $27.1M raised
Quick answers
What did Cover do?
It sold insurance through a phone app. You photographed an item and Cover found a market for the risk, either through its brokerage — appointed with 30-plus carriers — or through its own MGA. Most of the business was car and home policies.
Who founded Cover?
Karn Saroya, Anand Dhillon, Natalie Gray and Ben Aneesh, in 2016. All four had worked together on Stylekick, a fashion shopping app acqui-hired by Shopify. Saroya was CEO; Gray led product and design.
What happened to Cover?
It wound down in 2022. In June of that year it terminated all but a handful of employees after funding and acquisition attempts failed, and moved its policyholders to another insurer. Saroya went on to raise $14 million for Re, an onchain reinsurance protocol; Gray works on product there.