InsurTech Startup Due Diligence Checklist for Investors (2026)
This checklist covers 15 due diligence items for InsurTech startups. Each item has been validated against institutional investor practice. DDR automates the majority of these checks from a single pitch deck PDF upload.
15 checklist items · 2 red flags automatically detected · See a sample DDR report
InsurTech Sector
✓
Loss ratio by underwriting year reviewed and trending favorably
✓
Carrier paper relationship confirmed with signed agreement
✓
State insurance licenses verified
✓
Reinsurance program structure and counterparty credit reviewed
✓
Actuarial review of reserves completed
Deep Dive
✓
Loss ratio trend by cohort and underwriting year
✓
Carrier and reinsurance agreements reviewed
✓
State insurance licenses by line of business
✓
Actuarial reserve adequacy review
Regulatory
✓
Verify: State insurance licensing by line of business in all operating states
✓
Verify: Rate filing and approval requirements with state DOI
✓
Verify: Reinsurance capital requirements and solvency ratios
OSINT Signals
✓
Check: State insurance department license lookup
✓
Check: AM Best rating (for carriers)
✓
Check: NAIC complaint ratio database
DDR AUTOMATES THIS CHECKLIST
Upload an InsurTech startup pitch deck and DDR automatically completes 11+ of these 15 checklist items — sourcing data from 13 OSINT signals, benchmarking against 2 comparable companies, and detecting all 2 critical red flags.
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