When natural disasters strike, homeowners face significant financial shocks due to high deductibles, policy exclusions, and sub-limits of coverage—a collective protection gap that exposes the average household to up to $117.5k in uncovered risk. Simultaneously, insurance carriers struggle with massive claim volume spikes as the load overwhelms infrastructure. Slow settlement times (often 60-90 days or longer) accelerate and worsen the damage. As disputes rise, so do the expense costs per CAT claim which equal $8,550 due to adjusters, experts, disputed, and litigated claims. The friction isn't done yet though, as legacy carriers are forced to publicly defend loss below deductible claims from being branded as improper denials. Chainmail solves this.

Chainmail Solutions is an asset-light insurtech/MGA focused on providing autonomous protection to address systemic gaps in catastrophe property insurance. Our flagship product, Deductible Buy-Back, offers up to $30k in coverage and wraps around existing legacy policies. By combining agentic-AI with onsite IoT sensors and parametric data triggers we can effectively settle claims in two minutes or less. We provide instant liquidity and ease friction. As the platform grows, we plan to expand our offerings into exclusions and sub-limits with the ultimate goal of fully bridging the $117.5k gap in uncovered exposure and effectively becoming the gap layer the property insurance market so desperately needs. 

We plan to launch Chainmail in the property markets of Florida and New York with eventual expansion into 32 additional hurricane-exposed states. Once we tackle hurricanes, we're going to target gap solutions for all major catastrophe perils including Earthquake, Flood, Wildfire, and more.

Chainmail Solutions

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Chainmail Solutions

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