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Are insurtech startups undervalued?

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Are insurtech startups undervalued? – TechCrunch

More fun and games with Lemonade’s public valuation

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On the heels of Hippo’s funding round and our exploration of how the private markets appear to be more conservative than public investors at the moment, we’re asking a new question: are a bunch of insurtech startups undervalued?

Hippo — an insurtech startup focused on home insurance — put together a $150 million round at a $1.5 billion post-money valuation after growing its gross written premium to $270 million “in the past 12 months.” At that valuation, and at pre-adjustment premium scale, Hippo is super-cheap compared to Lemonade, another venture-backed insurtech startup that just went public.


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There’s no need to relitigate Hippo’s valuation and how the private markets have valued the firm. But our work yesterday does give us the chance to do some fun math on other players in the neo-insurance space, namely, Root and MetroMile. Using data accrued from financial filings and valuation data from Pitchbook and Crunchbase, we can grok how much the two firms are worth using Hippo’s and Lemonade’s current premium multiples.

If you aren’t familiar, the cohort of startups we’re looking at have raised well over $1 billion as a group; VCs really believe in them. How they are priced then, and how they exit, will help determine the results of many a venture fund.

So, are other players in the startup insurance market cheap at their last private price when compared to Lemonade and Hippo? Did their venture backers overpay? Let’s find out.

Cheap? Expensive?

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2020″,”slug”:”disrupt-sf-2020″,”taxonomy”:”tc_event”,”rapidData”:”pt”:””,”pct”:””,”_links”:”self”:[“href”:”https://techcrunch.com/wp-json/wp/v2/tc_event/576703170″],”collection”:[“href”:”https://techcrunch.com/wp-json/wp/v2/tc_event”],”about”:[“href”:”https://techcrunch.com/wp-json/wp/v2/taxonomies/tc_event”],”up”:[“embeddable”:true,”href”:”https://techcrunch.com/wp-json/wp/v2/tc_event/579419″],”wp:post_type”:[“href”:”https://techcrunch.com/wp-json/wp/v2/posts?tc_event=576703170″,”href”:”https://techcrunch.com/wp-json/wp/v2/tc_events?tc_event=576703170″,”href”:”https://techcrunch.com/wp-json/wp/v2/tc_video?tc_event=576703170″],”curies”:[“name”:”wp”,”href”:”https://api.w.org/rel”,”templated”:true]]]}}],”ec”:[{“id”:2020391,”date”:”2020-07-23T11:22:22″,”date_gmt”:”2020-07-23T18:22:22″,”guid”:”rendered”:”https://techcrunch.com/?p=2020391″,”modified”:”2020-07-23T17:17:57″,”modified_gmt”:”2020-07-24T00:17:57″,”slug”:”when-choosing-a-tech-stack-look-before-you-leap”,”status”:”publish”,”type”:”post”,”link”:”https://techcrunch.com/2020/07/23/when-choosing-a-tech-stack-look-before-you-leap/”,”title”:”rendered”:”When choosing a tech stack, look before you leap”,”content”:{“rendered”:”

When it comes to choosing a tech stack, the decisions you make today could have a cascading impact for years. On one hand you want to be cool and modern, but on the other, you want to build with technology you know — and sometimes getting to market is more important than riding the latest technology wave.n

The problem is that your decisions can have consequences that result in technical debt, the concept that as you make one decision, you have to pay a debt of sorts to fix underlying structural problems in the code as the result of those decisions you made early on.n

Before you start freaking out, it’s something that happens to every company and is really impossible to avoid u2014 so you make your choices and get your product out the door.n

At this week’s TechCrunch Early Stage conference, HappyFunCorp CEO and co-founder Ben Schippers and CTO Jon Evans spoke about choosing the optimal tech stack. The pair have built custom software for companies like Amazon, Samsung, WeWork and AMC, so they know a thing or two about the subject.n

What to consider before choosingn

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Image Credits: HappyFunCorpn

Evans says startups must weigh several key factors when choosing a tech stack, but development speed tops the list. “The single most key thing about your tech stack is speed,” he said. “The right stack will give you the most speed, compared to the alternatives.”n

But early choices have other implications. “In the medium- to long-run, you have to be conscious about running up what we call technical debt, which is really the side effects of a spaghetti nest of bad code that is tightly coupled and leads to negative side effects all over the place,” he said.



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I'm a 50 year old PLC programmer from Burnley, UK. I severed my time as an electrician in the baking industry and soon got involved with the up and coming technology of PLC's. Initially this was all based in the Uk but as the years went by I have gradually worked my way around the globe. At first it was mainly Mitsubishi with a bit of Modicon thrown in but these days the industry leaders seem to be the Allen Bradley range of PLC and HMI’s.

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