PolicyVera
Your insurance. All in one place.
Joshua Ekberg
Founder & CEO
Quick question for the room:
Where is your auto insurance policy right now?
Buried in an email from 2 years ago?
In a filing cabinet you haven't opened since you moved?
On some portal you forgot the password to?
You're honestly not sure?
Now multiply that by every policy you have — auto, home, life, umbrella...
Here's what the data says
92%
of people who switched auto insurance saved money
— LendingTree, 2025
$461
median savings per year just by switching
— LendingTree, 2025
12%
home insurance increase in 2025 alone
— Insurify, 2025
38%
of customers are not satisfied with their insurance
— J.D. Power, 2025
So why doesn't everyone switch?
You fill out the same form on 5 different websites
30 strangers from call centers blow up your phone
You can't compare quotes side by side
You give up and just auto-renew
67% say the process is their biggest frustration
— Arity Consumer Survey, 2025
The real problem is bigger
It's not just shopping — it's managing what you already have.
Scattered emails
Policy docs buried across 4 different inboxes
Forgotten portals
A different login for every insurance company
Coverage gaps
1 in 4 insured Americans are actually underinsured
When you need your insurance most — an accident, a storm, a claim —you shouldn't be digging through email to find it.
Live Demo
Let me show you how it works.
Try it free in 5 minutes
Auto · Home · Life · Business
Free for consumers. Always.
Scan to get started
policyvera.com
Joshua Ekberg
josh@policyvera.com
Questions?
For Investors
The Business
Why this is venture-scale, defensible, and ready to capitalize.
Business Model
Pure SaaS. Zero licensing risk.
Agents pay subscriptions. Consumers are free forever. No commissions, no per-lead fees, no insurance license required.
Solo agent
$99
/ month
Independent producers, single seat
Small agency
$79
/ seat / month
3–10 agents, shared dashboard
Enterprise
$59
/ seat / month
National agencies, custom integrations
We deliberately avoided every revenue model that requires an insurance license. Clean, boring, recurring software.
Market
$2B TAM, opening in Idaho.
TAM
$2B
2.1M licensed P&C producers in the US × $79/mo blended ARPA
Beachhead
~1,400
P&C producers within 20 miles of Boise. 10% capture = $130K ARR from one market.
Expansion
ID → CO → TX → CA
States chosen for non-renewal pressure plus agent density.
Not a winner-take-all platform — SaaS economics applied to one of the largest, sleepiest service industries in America.
The Moat
One feature no competitor has.
Letter-of-Authorization-driven dec page collection.
Client signs a digital LOA in 30 seconds.
Their unique inbound email firstname.lastname@docs.policyvera.com auto-collects dec pages from existing carriers.
Agents skip the hour-long carrier-chase. The 30-second click flips skeptics into evangelists.
No competitor
does consumer-initiated LOA-to-agent dec page collection. Whitespace.
Patent path
Provisional in 90 days, full filing within 12 months.
Idaho code is a moat
Anyone “smarter” needs a producer license. We chose the safe lane.
Competition
Everyone owns one piece. Nobody owns the combination.
Each existing player has a structural reason they can't copy us.
Aligned · Agent-owned
Canopy Connect
Agent collects data once. Consumer never logs back in.
EZLynx · AgencyZoom
Agency CRMs — agent-side only.
Aligned · Consumer-owned
PolicyVera
Consumer vault + agent SaaS subscription + carrier-neutral.
Empty quadrant. We're alone here.
Lead-gen · Agent-owned
Insurify · The Zebra · Compare.com
Comparison sites. Sell leads to carriers.
Trellis / Savvy
Embedded API for fintech partners.
Lead-gen · Consumer-owned
Marble (now The Zebra)
Wallet + rewards. Paid when consumer switches.
Policygenius (now Zinnia)
Comparison + portfolio. Lead-gen revenue.
Why each can't just copy us:
Marble can't add agent SaaS — it conflicts with their carrier-referral revenue.
Canopy can't add consumer ownership — agents (their customers) don't want consumers to take data with them.
CRMs (EZLynx) can't add consumer vaults — they'd cannibalize their agent customers.
Carriers won't — they profit from being the consumer's only anchor.
Status & Roadmap
Live today. Revenue in 90 days.
Today — Q2 2026
- ✓ Live at policyvera.com
- ✓ AI extraction (auto, home, renters)
- ✓ Agent marketplace + quote requests
- ✓ LOA flow in development
- ✓ Audit logging, encryption, security
Next 90 days
- → Stripe subscriptions live
- → Provisional patent filed
- → 25 paid agents in Treasure Valley
- → Mortgage-lender B2B partnerships
- → SMS notifications
12-month vision
- → Multi-state expansion (CO, TX)
- → 500 paid agents = ~$500K ARR
- → Series A conversation
- → Enterprise pilot (national agency)
The Ask
What this round funds.
One engineer
Frees me to focus on agent acquisition and partnerships.
Patent + legal opinion
Provisional filing + Hawley Troxell regulatory letter for investor-grade certainty.
First paid acquisition
Stripe live + targeted Treasure Valley agent campaigns to hit 50 paying customers.
This check gets us to a real revenue inflection —
50 paying agents within 6 months.
After that, the unit economics speak for themselves.