Become An InnSure Loop Insurance Provider

The InnSure Loop is InnSure's methodology for closing protection gaps in wildfire-prone communities — and replicating from there. We're inviting carriers, MGAs, reinsurers, and brokers to register interest in being considered for first deployment.

Provider Expression of interest Form

Closing The Gap Between Community Resilience and The Insurance Market.

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.

Provider expressions of interest are received throughout this period. Carrier participation in the first deployment will be confirmed when community alignment lands and the equity-reviewed roster is approved by the joint review panel. EOI is the on-ramp; community readiness is the green light.

If you'd like to understand the program before submitting, the InnSure Loop Provider FAQ below answers the questions carriers, MGAs, reinsurers, and brokers 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
Insurance Providers

  • Qualified carriers sit on a community-reviewed roster for a specific Loop deployment community. Qualification is determined by a joint review panel — InnSure plus community leaders from the deployment community — scoring carriers against a rubric weighted approximately 60% on equity-aligned criteria (claims practices, community-facing transparency, accessibility, willingness to write in the deployment geography) and the remaining 40% on standard underwriting fit and market viability. The rubric, scoring workbook, and panel composition are shared with carriers under the joint review process once an EOI is received.

  • The first deployment community is in PG&E's wildfire territory in California — either El Dorado or Nevada County (selection is itself a Phase 0 deliverable). Pilot launch is targeted for Q3 2026. Replication candidates under early consideration include New England coastal perils across Massachusetts (Plymouth, Salem, Cape Cod), Rhode Island, Connecticut, and Maine, as well as manufactured-home communities across New England. The Loop architecture is peril-replicable; expansion into other climate-impacted regions is on the design horizon.

  • Three commitments: (1) provide community-readable framing collateral that names the social benefit of your solution — InnSure provides a template; (2) honor bundled carrier-access links distributed through community channels for the deployment period; (3) contribute to a uniform Community Reinvestment Fee that is reinvested into community-benefit infrastructure — not retained by InnSure as profit — and whose allocation is published transparently. Fee terms are uniform across carriers on the roster. Specific dollar figures are shared with carriers post-EOI alongside the Carrier Participation Agreement.

  • InnSure reviews each EOI against the deployment community's readiness timeline. For carriers cleared for next-stage engagement, InnSure issues a per-site Carrier RFI request (your site-specific qualification evidence package). The joint review panel scores submissions; carriers cleared for the roster sign a Carrier Participation Agreement before community launch. Carriers not cleared for the first deployment remain on the registry for subsequent deployment communities — EOI does not expire.

  • The joint review panel for each deployment community decides. Community leaders from the deployment community are voting members. The panel's scoring follows the same equity-weighted rubric across communities, but the panel composition is community-specific. This is a structural commitment — carriers are evaluated by community leaders, not by InnSure alone, and not by a market-default proxy.