Goodcover YC 申请

Summer 2017Active

Goodcover 在 Summer 2017 批次的 Y Combinator 中作为一家 Fintech 公司进行过。以下是：公司做什么、谁创立了它，以及其 YC 申请，按照真实 YC 表格逐题重建。

YC 批次: Summer 2017
行业: FintechInsurance
团队规模: 1
状态: Active
已发布: 2019

创始人

Christopher LotzFounder/CEO
Daniel Di SpaltroFounder

Goodcover 做什么

Goodcover provides its Members with Good Renters Insurance for 50% less than legacy companies and an Annual Dividend of the money left over after claims obligations are met. Goodcover is a Managing General Agent (MGA) that administers personal insurance on behalf of our Membership, a bit like how USAA does it. Member's premiums are pooled and used to pay claims. We take a fixed fee, and the remainder is returned in our Annual Member Dividend. We work with multi-billion dollar capital partners to ensure regulations are followed, adequate claims capital is always available, and we have emergency capacity for catastrophes. Technology allows us to eliminate waste, saving roughly 25% of the cost. We are 100% digital, but not bots - we invest in tech that enables our experts to help Members. As an Invitation Only Membership served by an MGA, **we can give Members Free Insurance** when they invite others, turning our "Marketing Budget" into savings for Members. This eliminates Lizards and Sales Agents, saving the other 25%. We do not use the standard industry models, instead using a multiperil model to more granularly price risk. This means that for a few of you we are more expensive... but everyone else pays much less than they would otherwise pay. Our granular, multiperil model allows us to offer a superior policy over the standard market including: - coverage for if your place is flooded by a neighbor - Replacement Cost Coverage (meaning new stuff for your old) - All Risk coverage for high value items you tell us about - including computers (almost no one does that amazingly) - added coverage for mold removal Our MGA business model allows us to be capital efficient, "renting" capacity as we need it. All this adds up to our government approved pricing being 40-60% cheaper on average than that of our competitors.

Goodcover 的 YC 申请，重建版

Y Combinator 申请

Goodcover，Summer 2017 期。来自公开数据的真实申请问题解答。

Founders2
Company7
Progress7
Idea4
Equity3
Curious2
Batch Preference1

Company

Company name

Goodcover

Describe what your company does in 50 characters or less.

Digital co-op renters insurance half the price.

What is your company going to make? Please describe your product and what it does or will do.

We make Good Renters Insurance, an invitation-only membership that pools premiums, pays claims, returns leftover funds as dividends, and offers better coverage at about half the price of legacy insurers. We run as a Managing General Agent using technology for granular multiperil risk pricing and to eliminate sales agents, turning marketing into member savings.

Where do you live now, and where would the company be based after YC?

We live in San Francisco, CA, and the company is based there after YC.

Explain your decision regarding location.

San Francisco is the insurance tech hub where our capital partners and regulatory networks are. We want to stay close to partners and talent.

21 更多回答在完整申请中

Founders, Progress, Idea, Equity, Curious, Batch Preference 包含在完整版中。创建免费账户即可在 YC Insights 中打开，紧邻每个其他 YC 批次。

查看完整申请

常见问题解答

这是 Goodcover 的真实 YC 申请吗？

不是。Y Combinator 对提交的申请保密。这是重建版：使用 Goodcover 的公开数据（发布笔记、创始人背景、产品描述）回答真实的 YC 表格问题。它展示了像 Goodcover 这样的公司会如何向 YC 自我介绍，而不是他们提交的文本。

Goodcover 是哪个 YC 批次的？

Goodcover 是 Y Combinator Summer 2017 批次的成员。

谁创立了 Goodcover？

Goodcover 由 Christopher Lotz, Daniel Di Spaltro 创立。

Goodcover 做什么？

Digital Co-op Renters Insurance = half the price, better coverage.

如何阅读完整的重建申请？

创建免费的 Round Funded 账户。YC Insights 中包含 Goodcover 的完整 26 个问题的版本，以及其他所有 YC 批次的公司信息。