It’s time for communities to take back control of their insurance landscape.
Communities Have Power
Communities have the power to shape local insurance markets, but it requires an intentional effort to integrate insurability planning into economic development and resilience planning.
Insurability planning is a strategic process to improve a community's access to affordable insurance. This is achieved by proactively identifying, managing, and mitigating risks that may lead to high insurance costs or limited insurance availability, as well as by implementing regulatory and non-regulatory interventions that create favorable conditions within insurance markets.
Insurability Planning
Three pathways through one framework.
Insurability planning is most powerful when it routes a community's risk picture through a single integrating tool — and out across multiple programs that move different levers in the insurance market at the same time. That tool is the InnSure TCOR Simulator. Around it, InnSure operates three coordinated pathways: one engaging the insurance market directly, one engaging residential property risk, and one engaging the commercial footprint that holds local economies together. Planned further expansion to infrastructure in 2027.
The Three Pathways
InnSure Loop — Insurance Market Engagement. Community-led carrier qualification paired with structured market intelligence. Loop closes the broken communication loop between community resilience investment and how the insurance market responds. Launching in 2026 with our first community pilots.
Home Resilience Audit. A Salem-style residential program that prices property risk, quantifies mitigation lift, and surfaces equity considerations in resilience investment decisions.
Commercial Resilience Audit (in development). A pathway focused on community continuity — tax-base risk, anchor employers, and the commercial footprint that holds a local economy together. Pilot underway in Plymouth, MA
InnSure Creation Labs feeds community-aligned carrier innovation into the InnSure Loop pathway, ensuring the carrier roster reflects what communities actually need rather than what the market defaults to.