Adapting Commercial Auto Insurance to Platform-Based Work

<p>Dan Bratshpis, CEO and Co-founder of INSHUR, joins host Rob Galbraith to discuss how commercial auto insurance is being reimagined for the platform economy — and why traditional products are failing the drivers powering the gig economy.</p><p>Dan built INSHUR from a two-person MGA startup into a 200-person global company operating across the US and UK, with embedded insurance partnerships with platforms like Uber, Amazon, and DoorDash. His approach: build coverage that works with how people actually live and work, not how insurers traditionally categorize risk.</p><p><strong>In this episode:</strong></p><ul><li>Why traditional commercial auto products fall short for gig and platform workers</li><li>How INSHUR embeds insurance directly into platform onboarding — and what that data advantage means for underwriting</li><li>The usage-based wallet model: pay-per-ride, pay-per-delivery, pay-per-minute</li><li>How COVID wiped out rideshare demand overnight — and became the pivot that launched INSHUR&#39;s delivery insurance</li><li>Why INSHUR built Komodo Claims from scratch instead of outsourcing to TPAs</li><li>What autonomous vehicles mean for frequency, severity, and the future of commercial auto insurance</li></ul><p><strong>Key Quotes:</strong></p><ul><li><em>&quot;What doesn&#39;t kill you makes you stronger.&quot;</em></li><li><em>&quot;Technology is an enabler to do things differently, do things better.&quot;</em></li><li><em>&quot;Claims is kind of at the heart of insurance.&quot;</em></li><li><em>&quot;These things don&#39;t get into accidents nearly as much as humans do.&quot;</em> — on autonomous vehicles</li><li><em>&quot;Insurance is a really big part of protecting this new economy.&quot;</em></li></ul><p><strong>Timestamps:</strong></p><ul><li>09:05 — The wedding night pitch that launched Columbia Pacific Finance <em>(placeholder — update with actual)</em></li><li>10:55 — From Wall Street to rideshare insurance <em>(placeholder — update with actual)</em></li><li>19:13 — The COVID cliff: how INSHUR pivoted to delivery insurance overnight</li><li>23:49 — Building Komodo Claims: why INSHUR owns its claims infrastructure</li><li>26:22 — Autonomous vehicles and the frequency drop coming for commercial auto</li></ul><p>🔗 <strong>Connect:</strong> Dan Bratshpis: <a href="https://www.linkedin.com/in/dan-bratshpis/">https://www.linkedin.com/in/dan-bratshpis/</a> INSHUR: <a href="https://inshur.com/">https://inshur.com/</a> | <a href="https://www.linkedin.com/company/inshur/">https://www.linkedin.com/company/inshur/</a></p><p>👥 <strong>Host:</strong> Rob Galbraith: <a href="https://www.linkedin.com/in/robgalbraith1/">https://www.linkedin.com/in/robgalbraith1/</a></p><p>🎙️ <strong>This episode is sponsored by Terra</strong> — the next-generation claims and policy software for Workers&#39; Comp. Visit 👉 <a href="https://terra.insure/">https://terra.insure</a></p><p>📲 <strong>Find InsurTech Geek:</strong> LinkedIn: <a href="https://www.linkedin.com/showcase/insuretechgeek/">https://www.linkedin.com/showcase/insuretechgeek/</a> Twitter/X: <a href="https://twitter.com/InsurtechGeek">https://twitter.com/InsurtechGeek</a> Instagram: <a href="https://www.instagram.com/insurtechgeek/">https://www.instagram.com/insurtechgeek/</a></p><p>Subscribe, rate, and comment. As always — <strong>Enjoy the Ride &amp; Geek Out!</strong> 🤓</p><p><br></p>