Coverdash- Best for
- Small businesses, startups, e-commerce sellers, and freelancers buying online
- Backing
- —
- Key coverage
- General Liability, Business Owner's Policy (BOP), Workers Comp +3 more
- Availability
- US small businesses
Compare insurtech companies
Key company facts side by side, grouped by how each company works. Ratings are not yet published under methodology v2.1. Tap any company for the full profile, or read the ratings methodology.
Compare within a group, not across them. A brokerage, a full-stack carrier, and an AI agent insurer do different jobs. Any future rating will be calibrated and compared only within its entity class.
AI-native brokerages
Brokers that shop multiple carriers to place your coverage.
Coverdash
Embroker- Best for
- Startups, tech, and professional-services firms needing management and professional liability
- Backing
- $100M+ raised; Series C led by FTV Capital (2021)
- Key coverage
- Business Owner's Policy (BOP), General Liability, Professional Liability / E&O +5 more
- Availability
- US
Harper- Best for
- Businesses with complex, specialty, or hard-to-place commercial risk
- Backing
- $47M Seed + Series A, led by Emergence Capital
- Key coverage
- General Liability, Professional Liability / E&O, Product Liability +5 more
- Availability
- US commercial
Kinro- Best for
- Small trades and service businesses wanting fast, AI-assisted coverage
- Backing
- Y Combinator (P26)
- Key coverage
- General Liability, Business Owner's Policy (BOP), Workers Comp +1 more
- Availability
- Licensed in 24+ states
Panta- Best for
- Hard-to-place industrial and E&S risks (construction, trucking, manufacturing)
- Backing
- Backed by Y Combinator
- Key coverage
- General Liability, Commercial Property, Commercial Auto +9 more
- Availability
- Licensed in 50 states (primary: CA, TX, FL, NY)
Vouch- Best for
- Startups and growing tech, healthcare, and professional-services companies
- Backing
- ~$185M raised (reported); sold MGA + carrier operations to Hiscox (2025), now broker-only
- Key coverage
- General Liability, Cyber, Professional Liability / E&O +1 more
- Availability
- US
| Company | Best for | Backing | Key coverage | Availability |
|---|---|---|---|---|
 Coverdash | Small businesses, startups, e-commerce sellers, and freelancers buying online | — | General Liability, Business Owner's Policy (BOP), Workers Comp +3 more | US small businesses |
 Embroker | Startups, tech, and professional-services firms needing management and professional liability | $100M+ raised; Series C led by FTV Capital (2021) | Business Owner's Policy (BOP), General Liability, Professional Liability / E&O +5 more | US |
 Harper | Businesses with complex, specialty, or hard-to-place commercial risk | $47M Seed + Series A, led by Emergence Capital | General Liability, Professional Liability / E&O, Product Liability +5 more | US commercial |
| Kinro | Small trades and service businesses wanting fast, AI-assisted coverage | Y Combinator (P26) | General Liability, Business Owner's Policy (BOP), Workers Comp +1 more | Licensed in 24+ states |
 Panta | Hard-to-place industrial and E&S risks (construction, trucking, manufacturing) | Backed by Y Combinator | General Liability, Commercial Property, Commercial Auto +9 more | Licensed in 50 states (primary: CA, TX, FL, NY) |
 Vouch | Startups and growing tech, healthcare, and professional-services companies | ~$185M raised (reported); sold MGA + carrier operations to Hiscox (2025), now broker-only | General Liability, Cyber, Professional Liability / E&O +1 more | US |
Carriers, MGAs & full-stack platforms
Providers that underwrite or package their own coverage — you buy direct.
At-Bay- Best for
- Tech and mid-market companies wanting cyber coverage bundled with managed detection & response
- Backing
- $185M Series D at a $1.35B valuation (2021); ~$296M total; writes on Munich Re / HSB paper
- Key coverage
- Cyber, Technology E&O, Miscellaneous Professional Liability
- Availability
- Licensed in all 50 states (surplus lines), via brokers
biBERK- Best for
- Small businesses that want direct coverage with maximum financial strength behind it
- Backing
- Part of Berkshire Hathaway Insurance Group; carriers rated A++ (Superior) by AM Best; not venture-backed
- Key coverage
- General Liability, Business Owner's Policy (BOP), Workers' Compensation +3 more
- Availability
- US small businesses
Cerity- Best for
- Small businesses wanting instant, low-commitment workers' comp from an established carrier
- Backing
- Brand of EMPLOYERS Holdings (NYSE: EIG); corporate-funded, not venture-backed
- Key coverage
- Workers' Compensation
- Availability
- US small businesses (via EMPLOYERS' carrier footprint)
Coalition- Best for
- Businesses that want cyber coverage bundled with active security monitoring and response
- Backing
- $250M Series F at a $5B valuation (2022, led by Allianz X); ~$800M+ raised total
- Key coverage
- Cyber, Technology E&O, Executive Risks (management liability / D&O) +2 more
- Availability
- US and international, via appointed brokers
CompScience- Best for
- Higher-hazard workplaces (construction, manufacturing, warehousing) that already run cameras
- Backing
- $27.6M Series B (2025, led by Sands Capital); ~$37.6M cumulative
- Key coverage
- Workers' Compensation (AI-safety bundled)
- Availability
- US higher-hazard industries
Corgi- Best for
- Startups and tech companies wanting a full insurance stack, including AI risk
- Backing
- ~$378M raised (reported); latest a $106M Series B1 at a $2.6B valuation
- Key coverage
- Technology E&O (incl. AI), Cyber, Media Liability +4 more
- Availability
- US startups and technology companies
Coterie Insurance- Best for
- Agents and platforms wanting instant, API-driven small-business BOP and GL
- Backing
- Series C led by Allianz X (2025); ~$102M+ raised before it; A/A- rated capacity
- Key coverage
- Business Owner's Policy (BOP), General Liability, Professional Liability +3 more
- Availability
- Admitted products in all 50 states
Cover Whale- Best for
- Single trucks and small-to-mid fleets whose agent wants fast binding plus driver coaching
- Backing
- $27.5M Series A (2024, Morgan Stanley Expansion Capital) + a ~$40M growth round (2025, MSEC)
- Key coverage
- Commercial Auto (trucking), Motor Truck Cargo, General Liability (trucking)
- Availability
- 46 states, via ~5,000 brokerage agencies
Cowbell- Best for
- Small and mid-sized businesses wanting simple, adaptive, appropriately-priced cyber cover
- Backing
- $60M Series C led strategically by Zurich Insurance Group (2024); ~$202M raised total
- Key coverage
- Cyber, Professional Indemnity (Tech E&O), Management Liability
- Availability
- US, UK, Australia
Foresight- Best for
- Higher-hazard employers (construction, manufacturing) that want workers' comp with active safety support
- Backing
- ~$20M raised; investors incl. Brick & Mortar Ventures and Builders VC
- Key coverage
- Workers' Compensation (higher-hazard)
- Availability
- US higher-hazard industries, via brokers
HDVI- Best for
- Mid-size trucking fleets that want telematics-based, monthly-adjusting premiums
- Backing
- ~$70M+ raised across rounds; investors include Munich Re Ventures, Weatherford Capital, 8VC, Autotech Ventures
- Key coverage
- Commercial Auto (fleet), Motor Truck Cargo, General Liability (fleet)
- Availability
- US trucking fleets
Hiscox- Best for
- Professional-services firms whose main exposure is professional liability (E&O)
- Backing
- Division of Hiscox Ltd (LSE-listed); not venture-backed
- Key coverage
- Professional Liability / E&O, General Liability, Business Owner's Policy (BOP) +1 more
- Availability
- US; BOP in 43 states + DC
Hourly- Best for
- Hourly-worker businesses wanting payroll and pay-as-you-go workers' comp in one place
- Backing
- $27M Series A (2022, led by Glilot Capital Partners); ~$34M total
- Key coverage
- Workers' Compensation (pay-as-you-go), Payroll, time tracking & HR (platform)
- Availability
- US hourly-worker businesses
Insurate- Best for
- Safer-than-average operators in medium-to-high-hazard classes (manufacturing, transport, energy)
- Backing
- $4.5M seed led by HSCM Ventures (2021); capacity from SiriusPoint
- Key coverage
- Workers' Compensation (medium-to-high hazard)
- Availability
- US medium-to-high-hazard industries, via brokers
LEEO- Best for
- Brokers placing commercial auto for medical transport, light business auto, and last-mile fleets
- Backing
- As Fairmatic: $46M Series B led by Battery Ventures (2023); ~$88M total reported
- Key coverage
- Commercial Auto (medical transport, light business auto, last-mile)
- Availability
- US, via appointed brokers
Next Insurance- Best for
- Small businesses wanting several coverages from one fast, online, well-backed provider
- Backing
- Acquired by Munich Re's ERGO Group for $2.6B (2025); rebranding as ERGO NEXT
- Key coverage
- General Liability, Business Owner's Policy (BOP), Workers' Compensation +5 more
- Availability
- US (not available in all states)
Nirvana- Best for
- Owner-operators and fleets that want telematics-based pricing and fast, modern claims
- Backing
- $100M Series D at a ~$1.5B valuation (2025, led by Valor Equity Partners); prior $80M Series C (2025)
- Key coverage
- Auto Liability, Auto Physical Damage, General Liability +1 more
- Availability
- US trucking (owner-operators and fleets)
Pie Insurance- Best for
- Small businesses wanting fast, data-priced workers' comp direct or through an agent
- Backing
- $315M Series D (2022, Centerbridge + Allianz X); ~$615M+ raised total; AM Best A- rated carrier
- Key coverage
- Workers' Compensation, Business Owner's Policy (BOP), Commercial Auto +2 more
- Availability
- Workers' comp in 39 states + DC
Resilience- Best for
- Mid-market and enterprise organizations that want to quantify and manage cyber risk, not just transfer it
- Backing
- $100M Series D led by Intact Ventures (2023); prior $80M Series C at a $650M valuation (2021); ~$325M total
- Key coverage
- Cyber (with risk quantification)
- Availability
- North America & Europe (US, Canada, UK, and more), via brokers
Thimble- Best for
- Contractors and short-duration or seasonal businesses that don't want an annual policy
- Backing
- Wholly owned subsidiary of Arch Insurance Group; A-rated partners
- Key coverage
- General Liability, Professional Liability / E&O, Business Owner's Policy (BOP) +7 more
- Availability
- US small businesses (1,000+ activities)
| Company | Best for | Backing | Key coverage | Availability |
|---|---|---|---|---|
 At-Bay | Tech and mid-market companies wanting cyber coverage bundled with managed detection & response | $185M Series D at a $1.35B valuation (2021); ~$296M total; writes on Munich Re / HSB paper | Cyber, Technology E&O, Miscellaneous Professional Liability | Licensed in all 50 states (surplus lines), via brokers |
 biBERK | Small businesses that want direct coverage with maximum financial strength behind it | Part of Berkshire Hathaway Insurance Group; carriers rated A++ (Superior) by AM Best; not venture-backed | General Liability, Business Owner's Policy (BOP), Workers' Compensation +3 more | US small businesses |
 Cerity | Small businesses wanting instant, low-commitment workers' comp from an established carrier | Brand of EMPLOYERS Holdings (NYSE: EIG); corporate-funded, not venture-backed | Workers' Compensation | US small businesses (via EMPLOYERS' carrier footprint) |
 Coalition | Businesses that want cyber coverage bundled with active security monitoring and response | $250M Series F at a $5B valuation (2022, led by Allianz X); ~$800M+ raised total | Cyber, Technology E&O, Executive Risks (management liability / D&O) +2 more | US and international, via appointed brokers |
 CompScience | Higher-hazard workplaces (construction, manufacturing, warehousing) that already run cameras | $27.6M Series B (2025, led by Sands Capital); ~$37.6M cumulative | Workers' Compensation (AI-safety bundled) | US higher-hazard industries |
 Corgi | Startups and tech companies wanting a full insurance stack, including AI risk | ~$378M raised (reported); latest a $106M Series B1 at a $2.6B valuation | Technology E&O (incl. AI), Cyber, Media Liability +4 more | US startups and technology companies |
 Coterie Insurance | Agents and platforms wanting instant, API-driven small-business BOP and GL | Series C led by Allianz X (2025); ~$102M+ raised before it; A/A- rated capacity | Business Owner's Policy (BOP), General Liability, Professional Liability +3 more | Admitted products in all 50 states |
 Cover Whale | Single trucks and small-to-mid fleets whose agent wants fast binding plus driver coaching | $27.5M Series A (2024, Morgan Stanley Expansion Capital) + a ~$40M growth round (2025, MSEC) | Commercial Auto (trucking), Motor Truck Cargo, General Liability (trucking) | 46 states, via ~5,000 brokerage agencies |
 Cowbell | Small and mid-sized businesses wanting simple, adaptive, appropriately-priced cyber cover | $60M Series C led strategically by Zurich Insurance Group (2024); ~$202M raised total | Cyber, Professional Indemnity (Tech E&O), Management Liability | US, UK, Australia |
 Foresight | Higher-hazard employers (construction, manufacturing) that want workers' comp with active safety support | ~$20M raised; investors incl. Brick & Mortar Ventures and Builders VC | Workers' Compensation (higher-hazard) | US higher-hazard industries, via brokers |
 HDVI | Mid-size trucking fleets that want telematics-based, monthly-adjusting premiums | ~$70M+ raised across rounds; investors include Munich Re Ventures, Weatherford Capital, 8VC, Autotech Ventures | Commercial Auto (fleet), Motor Truck Cargo, General Liability (fleet) | US trucking fleets |
 Hiscox | Professional-services firms whose main exposure is professional liability (E&O) | Division of Hiscox Ltd (LSE-listed); not venture-backed | Professional Liability / E&O, General Liability, Business Owner's Policy (BOP) +1 more | US; BOP in 43 states + DC |
 Hourly | Hourly-worker businesses wanting payroll and pay-as-you-go workers' comp in one place | $27M Series A (2022, led by Glilot Capital Partners); ~$34M total | Workers' Compensation (pay-as-you-go), Payroll, time tracking & HR (platform) | US hourly-worker businesses |
 Insurate | Safer-than-average operators in medium-to-high-hazard classes (manufacturing, transport, energy) | $4.5M seed led by HSCM Ventures (2021); capacity from SiriusPoint | Workers' Compensation (medium-to-high hazard) | US medium-to-high-hazard industries, via brokers |
 LEEO | Brokers placing commercial auto for medical transport, light business auto, and last-mile fleets | As Fairmatic: $46M Series B led by Battery Ventures (2023); ~$88M total reported | Commercial Auto (medical transport, light business auto, last-mile) | US, via appointed brokers |
 Next Insurance | Small businesses wanting several coverages from one fast, online, well-backed provider | Acquired by Munich Re's ERGO Group for $2.6B (2025); rebranding as ERGO NEXT | General Liability, Business Owner's Policy (BOP), Workers' Compensation +5 more | US (not available in all states) |
 Nirvana | Owner-operators and fleets that want telematics-based pricing and fast, modern claims | $100M Series D at a ~$1.5B valuation (2025, led by Valor Equity Partners); prior $80M Series C (2025) | Auto Liability, Auto Physical Damage, General Liability +1 more | US trucking (owner-operators and fleets) |
 Pie Insurance | Small businesses wanting fast, data-priced workers' comp direct or through an agent | $315M Series D (2022, Centerbridge + Allianz X); ~$615M+ raised total; AM Best A- rated carrier | Workers' Compensation, Business Owner's Policy (BOP), Commercial Auto +2 more | Workers' comp in 39 states + DC |
 Resilience | Mid-market and enterprise organizations that want to quantify and manage cyber risk, not just transfer it | $100M Series D led by Intact Ventures (2023); prior $80M Series C at a $650M valuation (2021); ~$325M total | Cyber (with risk quantification) | North America & Europe (US, Canada, UK, and more), via brokers |
 Thimble | Contractors and short-duration or seasonal businesses that don't want an annual policy | Wholly owned subsidiary of Arch Insurance Group; A-rated partners | General Liability, Professional Liability / E&O, Business Owner's Policy (BOP) +7 more | US small businesses (1,000+ activities) |
AI agent insurers
The new category insuring businesses against losses caused by AI.
AIUC- Best for
- Enterprises and AI vendors wanting a certified-plus-insured approach to AI agents
- Backing
- $15M seed, backed by Nat Friedman (reported)
- Key coverage
- AI agent liability (with AIUC-1 certification)
- Availability
- US enterprises
Armilla- Best for
- AI liability paired with independent model verification, distributed via brokers
- Backing
- ~C$6M (US$4.5M) seed led by Mistral Venture Partners (2024); Lloyd's coverholder, partners incl. Chaucer, Axis, Convex, Swiss Re, Greenlight Re
- Key coverage
- Affirmative AI liability (generative AI + agents)
- Availability
- Via brokers
Klaimee- Best for
- AI vendors and enterprises insuring autonomous AI agents
- Backing
- Y Combinator
- Key coverage
- AI agent liability (first- and third-party)
- Availability
- US, B2B (bounded use cases)
Mount- Best for
- Companies deploying autonomous AI agents in production
- Backing
- Y Combinator (Spring 2026)
- Key coverage
- AI agent liability (ActiveCover, 8 risk categories)
- Availability
- US, AI-native companies
Testudo- Best for
- US companies needing standalone, Lloyd's-backed generative AI liability
- Backing
- IA Capital, LocalGlobe, A100x, Goldman Sachs partners; Lloyd's Lab
- Key coverage
- Generative AI liability (standalone)
- Availability
- All 50 US states (E&S)
| Company | Best for | Backing | Key coverage | Availability |
|---|---|---|---|---|
 AIUC | Enterprises and AI vendors wanting a certified-plus-insured approach to AI agents | $15M seed, backed by Nat Friedman (reported) | AI agent liability (with AIUC-1 certification) | US enterprises |
 Armilla | AI liability paired with independent model verification, distributed via brokers | ~C$6M (US$4.5M) seed led by Mistral Venture Partners (2024); Lloyd's coverholder, partners incl. Chaucer, Axis, Convex, Swiss Re, Greenlight Re | Affirmative AI liability (generative AI + agents) | Via brokers |
 Klaimee | AI vendors and enterprises insuring autonomous AI agents | Y Combinator | AI agent liability (first- and third-party) | US, B2B (bounded use cases) |
 Mount | Companies deploying autonomous AI agents in production | Y Combinator (Spring 2026) | AI agent liability (ActiveCover, 8 risk categories) | US, AI-native companies |
 Testudo | US companies needing standalone, Lloyd's-backed generative AI liability | IA Capital, LocalGlobe, A100x, Goldman Sachs partners; Lloyd's Lab | Generative AI liability (standalone) | All 50 US states (E&S) |
Health plans
Level-funded and self-funded employer health plans that carry claims risk behind stop-loss.
Angle Health- Best for
- Small and midsize employers wanting a modern, integration-heavy, AI-driven health plan
- Backing
- $134M Series B (Dec 2025, led by Portage); prior $58M Series A (2022)
- Key coverage
- Level-funded health plan (AI-native)
- Availability
- Most US states (Utah via Balanced Insurance Company of Utah)
Gravie- Best for
- Small and midsize employers wanting a deductible-free plan or a modern ICHRA
- Backing
- $150M growth round (2025, reported); ~$530M raised total
- Key coverage
- Level-funded health plan (Comfort), ICHRA (Gravie ICHRA), Health payment support (Gravie Pay)
- Availability
- US small & midsize businesses
Sana Benefits- Best for
- Small businesses wanting an all-in-one plan with free virtual primary care built in
- Backing
- ~$111M raised to 2022 (Crunchbase); no 2024–2026 round disclosed
- Key coverage
- All-in-one level-funded health plan, Sana Care (virtual-first primary care)
- Availability
- 16 states (AL, AZ, CO, DE, IL, IN, IA, KY, MD, MI, OH, OK, PA, TX, VA, WI); 2+ enrolled employees
Sidecar Health- Best for
- Employers wanting a transparent, network-free, cash-pay major-medical plan
- Backing
- $165M Series D (June 2024, led by Koch Disruptive Technologies)
- Key coverage
- Employer-sponsored major medical (cash-pay, ACA-compliant)
- Availability
- US employers
| Company | Best for | Backing | Key coverage | Availability |
|---|---|---|---|---|
 Angle Health | Small and midsize employers wanting a modern, integration-heavy, AI-driven health plan | $134M Series B (Dec 2025, led by Portage); prior $58M Series A (2022) | Level-funded health plan (AI-native) | Most US states (Utah via Balanced Insurance Company of Utah) |
 Gravie | Small and midsize employers wanting a deductible-free plan or a modern ICHRA | $150M growth round (2025, reported); ~$530M raised total | Level-funded health plan (Comfort), ICHRA (Gravie ICHRA), Health payment support (Gravie Pay) | US small & midsize businesses |
 Sana Benefits | Small businesses wanting an all-in-one plan with free virtual primary care built in | ~$111M raised to 2022 (Crunchbase); no 2024–2026 round disclosed | All-in-one level-funded health plan, Sana Care (virtual-first primary care) | 16 states (AL, AZ, CO, DE, IL, IN, IA, KY, MD, MI, OH, OK, PA, TX, VA, WI); 2+ enrolled employees |
 Sidecar Health | Employers wanting a transparent, network-free, cash-pay major-medical plan | $165M Series D (June 2024, led by Koch Disruptive Technologies) | Employer-sponsored major medical (cash-pay, ACA-compliant) | US employers |
ICHRA & HRA administrators
Platforms that move employer money to employees tax-free under an HRA rule. They administer, they do not carry risk.
StretchDollar- Best for
- Small businesses that want a simple, transparently-priced ICHRA — including those new to offering benefits
- Backing
- $6M seed (Dec 2024, led by Fika Ventures, with Oscar Health, Precursor, Springbank); ~$7.6M total disclosed
- Key coverage
- ICHRA setup & administration (small business), Employee plan-selection support (licensed guides), Optional dental & vision
- Availability
- US small businesses; also via brokers
Take Command- Best for
- Employers of any size wanting an established, full-service ICHRA or QSEHRA administrator
- Backing
- $25M growth round led by Edison Partners (2023); ~$44.75M total (incl. a $12M Series A)
- Key coverage
- ICHRA administration, QSEHRA administration, HRA Hub platform (integrations, compliance, plan selection) +1 more
- Availability
- US employers of all sizes; also via brokers/consultants
Thatch- Best for
- Employers moving from a group plan to an ICHRA who want an all-in-one, fast-setup platform
- Backing
- ~$84.5M raised; $40M Series B led by Index Ventures (2025), with a16z, General Catalyst, ADP Ventures
- Key coverage
- ICHRA setup & administration, Individual health/dental/vision marketplace, Thatch Visa card (qualified medical expenses) +1 more
- Availability
- US employers (self-serve, broker, and ADP RUN channels)
Zorro- Best for
- Brokers building an ICHRA book, and employers wanting AI-guided individual plan selection
- Backing
- $31.5M raised; $20M Series A led by Entrée Capital (2025), with 10D and Pitango; $11.5M seed (2023)
- Key coverage
- ICHRA plan design & budget setting, AI decision support / plan recommendation, Benefits administration (enrollment + payments) +1 more
- Availability
- US, via brokers and employers
| Company | Best for | Backing | Key coverage | Availability |
|---|---|---|---|---|
 StretchDollar | Small businesses that want a simple, transparently-priced ICHRA — including those new to offering benefits | $6M seed (Dec 2024, led by Fika Ventures, with Oscar Health, Precursor, Springbank); ~$7.6M total disclosed | ICHRA setup & administration (small business), Employee plan-selection support (licensed guides), Optional dental & vision | US small businesses; also via brokers |
 Take Command | Employers of any size wanting an established, full-service ICHRA or QSEHRA administrator | $25M growth round led by Edison Partners (2023); ~$44.75M total (incl. a $12M Series A) | ICHRA administration, QSEHRA administration, HRA Hub platform (integrations, compliance, plan selection) +1 more | US employers of all sizes; also via brokers/consultants |
 Thatch | Employers moving from a group plan to an ICHRA who want an all-in-one, fast-setup platform | ~$84.5M raised; $40M Series B led by Index Ventures (2025), with a16z, General Catalyst, ADP Ventures | ICHRA setup & administration, Individual health/dental/vision marketplace, Thatch Visa card (qualified medical expenses) +1 more | US employers (self-serve, broker, and ADP RUN channels) |
 Zorro | Brokers building an ICHRA book, and employers wanting AI-guided individual plan selection | $31.5M raised; $20M Series A led by Entrée Capital (2025), with 10D and Pitango; $11.5M seed (2023) | ICHRA plan design & budget setting, AI decision support / plan recommendation, Benefits administration (enrollment + payments) +1 more | US, via brokers and employers |
Benefits brokers & PEOs
Advisers and co-employers that place group benefits rather than underwriting them.
Bennie- Best for
- Employers wanting a modern benefits broker plus an employee app that cuts benefits questions
- Backing
- $50M strategic from LNC Partners (Dec 2025); ~$100M total reported
- Key coverage
- Employee benefits brokerage (health & benefits), Bennie App + Ask Bennie concierge, Better Health Plan (level-funded)
- Availability
- US, 50 states
Justworks- Best for
- SMBs that want payroll, HR, and access to large-group health benefits bundled in one PEO
- Backing
- ~$143M raised (private; FirstMark, Union Square Ventures, Bain Capital Ventures, Redpoint, others)
- Key coverage
- PEO co-employment (payroll, HR, compliance, benefits), Large-group health via master policy (Aetna, UnitedHealthcare, Kaiser), Ancillary benefits (dental, vision, HSA/FSA, life & disability, 401(k)) +2 more
- Availability
- US SMBs (EOR in ~32 countries)
Nava Benefits- Best for
- Small-to-mid employers wanting a modern broker with AI tooling to cut benefits admin
- Backing
- $30M Series C (Oct 2025, led by Thrive Capital); prior $40M Series B
- Key coverage
- Employee benefits brokerage (health & benefits), Nava HQ benefits platform
- Availability
- US small-to-mid employers
| Company | Best for | Backing | Key coverage | Availability |
|---|---|---|---|---|
 Bennie | Employers wanting a modern benefits broker plus an employee app that cuts benefits questions | $50M strategic from LNC Partners (Dec 2025); ~$100M total reported | Employee benefits brokerage (health & benefits), Bennie App + Ask Bennie concierge, Better Health Plan (level-funded) | US, 50 states |
 Justworks | SMBs that want payroll, HR, and access to large-group health benefits bundled in one PEO | ~$143M raised (private; FirstMark, Union Square Ventures, Bain Capital Ventures, Redpoint, others) | PEO co-employment (payroll, HR, compliance, benefits), Large-group health via master policy (Aetna, UnitedHealthcare, Kaiser), Ancillary benefits (dental, vision, HSA/FSA, life & disability, 401(k)) +2 more | US SMBs (EOR in ~32 countries) |
 Nava Benefits | Small-to-mid employers wanting a modern broker with AI tooling to cut benefits admin | $30M Series C (Oct 2025, led by Thrive Capital); prior $40M Series B | Employee benefits brokerage (health & benefits), Nava HQ benefits platform | US small-to-mid employers |
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