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Build, distribute, and grow your commercial insurance products online

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The power to create your digital future

  • Reduce costs and increase revenue

    Expand business opportunites with wider distribution. Lower expense ratios by automating segments that were previously unprofitable. Increase your submissions flow with optimized applications, and your hit ratio with quick turnaround.

  • Increase customer lifetime value

    The internet has changed how people want to do business. Joshu’s Stores—portals or APIs—deliver a modern, seamless experience out-of-the-box and across any device, resulting in a better experience for your customers, and higher renewal rates for you.

  • Easily adapt to changing market conditions

    The only constant is change. And that change is happening faster than before. With Joshu, you can update your ratings, applications, and documents in a matter of hours when the market shifts.

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Reduce the time, cost, and complexity of digital transformation

  • Get there faster with the Joshu Builder

    According to Novarica, the average time for a carrier to deploy a new P&C product is 7–9 months on average. With Joshu, you can reduce that to a few weeks or less.

  • Quickly deploy on top of current systems

    With Joshu, you don’t have to reinvent the wheel. Everything is included, freeing your business to experiment, launch, and adapt, and freeing IT to work on the bigger picture.

  • Save time using existing assets

    Why build a new system to recreate the things you already use? Joshu works with your existing rater spreadsheets and policy documents.

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Go where your customers are with Joshu Stores

  • Open up new channels of distribution

    Joshu Stores are flexible. Create broker-facing and direct-to-consumer portals, or offer your product through our built-in API to connect to third-party exchanges. Sell the same product in different distribution channels. With Joshu, you can create, customize, and launch new channels in a matter of minutes.

  • Deploy with no dependencies

    Joshu is a SaaS platform. There’s nothing to install, nothing to maintain. And it doesn’t have to replace your policy admin system—it’s a simple front-end built to work on top of existing systems.

  • Custom online applications

    In today's world, going digital is no longer an option—it's necessary for success. The way you design your application forms matters for whether brokers or insureds will adopt your digital channels. With Joshu, you can create online applications for any kind of commercial insurance line. Choose from several question types, group questions, or add conditional questions for more complex applications.

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Continuously experiment, optimize, and grow

  • Quick changes, new versions, and variations

    New claims changed your appetite? Found a better way to score risks? Need to update application questions? Done. Our simple Builder interface makes it easier than ever before to manage change.

  • Experiment and adapt to changing markets

    How long does it take people to answer the application questions? What are the dropoff rates? Use metrics like these and more to optimize applications, launch new products, and customize stores. Joshu gives you the flexibility to move at the speed of business.

  • Track performance & export

    Reports give you real-time insight into how products and stores are performing. Access BI dashboards on Joshu, or export data in customizable bordereaux.

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See your first product live in a matter of weeks

  • No commitment to get started

    All we needed to get started with a proof-of-concept is a rater spreadsheet for one of your products. If you have an application and documents, that’s also helpful but not required.

  • We speak insurance

    One of the biggest hurdles in a digital transformation project is translating between “tech-speak” and “insurance-speak.” We have experience with both, and the product is already designed with you in mind.

  • It’s affordable

    It doesn’t take a lot of time to get your initial account set up with a product, and we don’t charge an arm and a leg in setup fees. An ongoing volume-based subscription means we’re successful only when you’re successful.

Technology experts, industry experience

  • Uniquely positioned to serve you

    Our team has previous experience developing successful digital solutions for commercial insurance. And as product design and software development experts, we can help you transition to digital as quickly and painlessly as possible.

Investors & Partners

From the Joshu Blog

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    July 2021 An introduction to Joshu

    Joshu enables insurance product owners to create insurance products for digital distribution. Do you want to create new products faster than ever...

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    April 2021 The Pressure to Digitize

    The Boston Consulting Group (BCG) recently published their State of Insurtech report for 2020. Looking back at the impact of the pandemic...

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    January 2021 The Lean Insurance Carrier

    Joshu gives insurance professionals the superpowers that the Web gave software developers that allowed them to embrace Agile philosophies.

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    December 2020 Why are we building Joshu?

    When people ask me what do I do for a living there’s always that moment. The moment I mention insurance. The curiosity level drops to zero and...

Inspiration The master said, “Simply remake what has gone by and work with what comes. If you do not remake, you are stuck.” — Sayings of Zen master Joshu (778–897)