2 Red Flags in InsurTech Startup Pitch Decks Investors Miss
InsurTech (Insurance Technology) startups have sector-specific risk patterns that general-purpose due diligence frameworks miss. These 2 red flags are the ones experienced InsurTech investors have learned to detect — often the hard way.
DDR automatically detects all 2 of these flags when you upload an InsurTech startup pitch deck. See a sample report.
Loss ratio above 80% without path to improvement
An 80%+ loss ratio before expenses means the business is paying out more in claims than is sustainable. Poor underwriting model or adverse selection is the typical cause.
No carrier partner or reinsurance relationship confirmed
MGAs and program administrators need a carrier to hold the paper. Without a signed carrier relationship, the business cannot legally operate.
Positive Signals in InsurTech Pitch Decks
InsurTech Due Diligence — All Guides
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