Bring InnSure Loop to Your Community

The InnSure Loop is InnSure's methodology for closing protection gaps in wildfire-prone communities — and replicating from there. We're inviting community leaders, fire-service coordinators, and county wildfire programs to register interest in being considered as a Loop deployment community.

Community Expression of Interest Form

Carrier Access on Your Community's Terms.

InnSure Loop operates in four interconnected place-based and community-focused stages: qualify and onboard solution providers against a community-leader-reviewable rubric weighted ~60% on equity-aligned criteria; bundle carrier access links with framing collateral that names the social benefit of each carrier's solution; distribute through trusted community channels; and feed insights back to communities and carriers about which

  • Mitigation investments insurers actually value and which

  • Carrier solutions actually close protection gaps.

The first deployment is in PG&E's wildfire territory — El Dorado or Nevada County, California, launching Q3 2026. Massachusetts replication candidates (Plymouth, Salem, Cape Cod) and other New England regions are under early consideration.

Community expressions of interest are received throughout this period. Loop deployment in a community is confirmed once community readiness, leadership alignment, and equity review can land together. EOI is the on-ramp; community fit is the green light.

Community participation in InnSure Loop does not require a financial commitment from the community. The program is designed to sustain over time through a uniform Community Reinvestment Fee paid by participating carriers — reinvested into community-benefit infrastructure, not retained by InnSure as profit.

In this early scaling phase, InnSure is also seeking philanthropic and corporate anchor partners to accelerate Loop deployment beyond the pace carrier fees alone can sustain. Community introductions to potential anchor partners are welcome — but not expected as a condition of participation.

If you'd like to understand the program before submitting, the InnSure Loop Community FAQ below answers the questions community leaders ask most often. For deeper detail — provider evaluation criteria, the data collection framework, fee transparency — we'll share the relevant materials once you engage.

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Frequently Asked Questions From Communities

  • InnSure Loop is a program that helps communities choose which insurance carriers serve their residents, and that gathers structured information about how residents are actually faring in their local insurance markets — what coverage they had, what they were offered, what they bought, what they ended up with. That information flows back to the community and to InnSure's Total Cost of Risk framework. The goal: close the gap between the resilience work communities do and how insurance markets respond to it. Communities sit at the center; InnSure coordinates the flow.

  • The first Loop deployment is in PG&E wildfire territory in California (El Dorado or Nevada County). Beyond that, we are building a registry of wildfire-prone communities — and communities facing other climate perils with a focus on MA, RI, CT & ME— that want to be considered for subsequent deployments. Communities that fit best have (1) active risk mitigation or resilience programs already underway, (2) trusted local channels for reaching residents (fire chiefs, FireSafe councils, county coordinators, tribal programs, mutual aid organizations, NGOs, active Floodplain programs), and (3) at least one community leader willing to sit on the carrier review panel. There is no minimum community size.

  • Four things, none of them heavy: (1) name community leaders to sit on the carrier review panel that scores which carriers serve your community; (2) use the carrier-access tools through your trusted community channels — flyers, council meetings, fire-station packets — for the deployment period; (3) help us reach residents with the structured resident survey that captures the market-intelligence layer; (4) review the quarterly feedback we send back about which mitigation investments insurers actually valued and which carrier solutions actually closed protection gaps for your residents. The work is real but bounded — not a full-time program for community staff.

  • No. There is no community-side fee. The program is funded through a uniform Community Reinvestment Fee that participating carriers pay on each policy written through the Loop. That fee is reinvested into community-benefit infrastructure — not retained by InnSure as profit — and the allocation is published transparently. The fee is the same for every carrier on the roster, so carriers cannot buy preferential placement. In this early scaling phase, InnSure is also seeking philanthropic and corporate anchor partners to accelerate Loop deployment beyond the pace carrier fees alone can sustain. Community introductions to potential anchor partners are welcome but not expected.

  • Community leaders are voting members of the joint review panel that scores carriers and decides which carriers belong on the qualified roster for your community. The scoring rubric is weighted approximately 60% on equity-aligned criteria — claims practices, transparency, accessibility, willingness to write coverage in your geography — and the remaining 40% on standard underwriting and market-fit factors. The rubric itself is reviewable and adjustable; if your community has a criterion that matters and isn't in the rubric, the panel can raise it.

  • The first community pilot launches Q3 2026 in PG&E wildfire territory. Subsequent community deployments will be scheduled as community readiness, leadership alignment, and carrier roster availability line up. After you submit interest: InnSure follows up directly to understand your community's context — which channels you trust, which mitigation work is underway, which community leaders are positioned for the review panel. Registration does not obligate your community to anything. It puts you in the conversation.