InsurTech Due Diligence › Metrics
Key Metrics for InsurTech Startups: Investor Benchmarks & Benchmarks (2026)
These 4 metrics are what institutional investors evaluate when screening InsurTech startups. Each metric is accompanied by benchmark ranges sourced from our database of 2+ comparable company analyses.
01. Loss Ratio
<60% is excellent | <70% is good | >80% is unsustainable
Losses paid as % of premiums earned — the core profitability metric
02. Combined Ratio
<100% means the business is underwriting profit | <90% is excellent
Loss ratio + expense ratio — below 100% is the goal
03. Gross Written Premium (GWP)
Seed: $1M+ GWP | Series A: $10M+ GWP
Total premium volume; growth rate is key
04. Reinsurance Quota Share
Depends on capital model; 80-90% is common for early MGAs
Reinsurance partner validates underwriting quality
How DDR Benchmarks These Metrics
When you upload an InsurTech startup pitch deck, DDR automatically:
- Extracts all InsurTech metrics from every slide of the pitch deck
- Benchmarks each metric against 2 comparable InsurTech companies
- Flags metrics outside healthy ranges as red flags with severity weighting
- Provides an overall verdict (INVEST / DIG DEEPER / PASS) with score 1–10
- Generates expected return scenarios based on InsurTech exit data
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