Cover Genius

Cover Genius is an insurtech company founded in 2014 in Sydney and now headquartered in New York, built to let digital platforms offer insurance and protection products without becoming insurers themselves. It addresses the gap between traditional insurance distribution and the fast checkout flows of e-commerce, travel and mobility marketplaces.

Its core product, XCover, is a global protection platform that partners embed into their checkout or booking flow via API, covering warranties, travel, rental and shipping protection across more than 60 countries. Companion modules XClaim automate claims payouts and BrightWrite optimize pricing in real time, serving partners such as marketplaces, airlines and delivery platforms.

1. XCover platform: Embeds insurance and protection offers directly into a partner's checkout flow.

2. API-first integration: Lets partners launch protection products without building insurance infrastructure.

3. XClaim automation: Processes and pays claims automatically in local currencies.

4. BrightWrite pricing: Adjusts protection pricing in real time using underwriting data.

5. Multi-line coverage: Spans travel, shipping, rental and device protection products.

6. Global licensing: Operates under insurance licenses across 60+ countries and all US states.