About this episode

David Gritz discusses the intricacies of building and scaling insurance startups, focusing on distribution and innovation challenges in the industry.

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…

People in this episode

Host: Vince Perry

Guest: David Gritz

Topics covered

• insurance startups
• scaling businesses
• InsurTech
• distribution strategies
• innovation in insurance
• AI in claims
• risk modeling

Keywords

• insurance
• startups
• scaling
• distribution
• AI
• claims
• reinsurance
• InsurTech

Mentioned in this episode

Organizations: InsureTech New York

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