In this episode, I sit down with David Gritz, Co-Founder of InsureTech New York, to break down what it really takes to build, scale, and commercialize an insurance startup.
David works at the intersection of technology, venture capital, and insurance, helping founders go from idea → first policy → real distribution. We dive deep into how modern insurance companies are built, why most fail, and where the industry is heading next.
We cover:
Why distribution is the single most important factor for scaling an insurance startup
How InsurTech founders actually launch new insurance products (step-by-step)
The role of reinsurance, fronting carriers, and balance sheets
Why traditional insurers struggle with innovation
How AI is already being used in claims (and where humans are still required)
Straight-through processing vs complex, long-tail claims
Nuclear verdicts, claims severity prediction, and risk modeling
Why many insurance companies fail after major catastrophe events
What insurers are going “all-in” on for 2026 and beyond
If you’re an:
Insurance professional
Founder or startup operator
Investor or advisor
Business owner interested in exits, scale, or regulated industries
This conversation gives you a behind-the-scenes look at how the insurance industry actually works — beyond the headlines.
📅 InsureTech Spring Conference: March 30–31
🎙 Guest: David Gritz, Co-Founder – InsureTech New York
🎧 Host: Vince Perry – Exit Advisor & Business Broker
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