Dan Bratshpis, CEO and Co-founder of INSHUR, joins host Rob Galbraith to discuss how commercial auto insurance is being reimagined for the platform economy — and why traditional products are failing the drivers powering the gig economy.

Dan built INSHUR from a two-person MGA startup into a 200-person global company operating across the US and UK, with embedded insurance partnerships with platforms like Uber, Amazon, and DoorDash. His approach: build coverage that works with how people actually live and work, not how insurers traditionally categorize risk.

In this episode:

  • Why traditional commercial auto products fall short for gig and platform workers
  • How INSHUR embeds insurance directly into platform onboarding — and what that data advantage means for underwriting
  • The usage-based wallet model: pay-per-ride, pay-per-delivery, pay-per-minute
  • How COVID wiped out rideshare demand overnight — and became the pivot that launched INSHUR's delivery insurance
  • Why INSHUR built Komodo Claims from scratch instead of outsourcing to TPAs
  • What autonomous vehicles mean for frequency, severity, and the future of commercial auto insurance

Key Quotes:

  • "What doesn't kill you makes you stronger."
  • "Technology is an enabler to do things differently, do things better."
  • "Claims is kind of at the heart of insurance."
  • "These things don't get into accidents nearly as much as humans do." — on autonomous vehicles
  • "Insurance is a really big part of protecting this new economy."

Timestamps:

  • 09:05 — The wedding night pitch that launched Columbia Pacific Finance (placeholder — update with actual)
  • 10:55 — From Wall Street to rideshare insurance (placeholder — update with actual)
  • 19:13 — The COVID cliff: how INSHUR pivoted to delivery insurance overnight
  • 23:49 — Building Komodo Claims: why INSHUR owns its claims infrastructure
  • 26:22 — Autonomous vehicles and the frequency drop coming for commercial auto

🔗 Connect: Dan Bratshpis: https://www.linkedin.com/in/dan-bratshpis/ INSHUR: https://inshur.com/ | https://www.linkedin.com/company/inshur/

👥 Host: Rob Galbraith: https://www.linkedin.com/in/robgalbraith1/

🎙️ This episode is sponsored by Terra — the next-generation claims and policy software for Workers' Comp. Visit 👉 https://terra.insure

📲 Find InsurTech Geek: LinkedIn: https://www.linkedin.com/showcase/insuretechgeek/ Twitter/X: https://twitter.com/InsurtechGeek Instagram: https://www.instagram.com/insurtechgeek/

Subscribe, rate, and comment. As always — Enjoy the Ride & Geek Out! 🤓


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