HazardHub USA (Carrier)

HubHazard caught our eye because it is at the core of what insurance is all about, being prepared for a sudden and accidental event, they keep an eye out for the big boy risks too.

HazardHub collects info on catastrophic and non-catastrophic but still dangerous risks, and gives free personal lines consumer reports, and consults commercial companies.  These major "Black Swan" events are more and more common these days, and HazardHub gives a breakdown of the likelihood of these instances effecting your home or business, with reports on everything from underground storage tanks, feet to the true coastline, and feet from a fire-hydrant.

Here's what they have to say about their own company on LinkedIn:

HazardHub creates third-generation geospatial risk databases for the continental United States. We build databases for -

Air - Tornado, Straight Line Wind, 2" Hail, Hurricane
Fire - Wildfire, Fire Protection Class
Water - FEMA Flood, Distance to River/Stream, Storm Surge, Tsunami
Earth - Earthquake, Distance to Nearest Fault
Human - Superfund, Brownfield, Fracking Induced Earthquake

Want to see how your property measures up? Enter your address into our consumer site, www.freehomerisk.com, to get a report card on a location. For free!

Here's their website: hazardhub.com

Ask Kodiak (Broker)

I had heard of Ask Kodiak a while ago, loved the name, but was never entirely clear on what they did.  Once I get their value proposition it seemed so simple and helpful, Ask Kodiac helps brokers realize carrier risk appetites.  The bear made so much more sense too!

The value of a broker should be that they have multiple companies they can place policies through.  Through human nature though, they often connect with a few houses, and send business through the channels where they have relationships or know the system.

In my humble opinion, Ask Kodiac helps brokers get back to their job, by empowering them to realize who wants to work with their clients policies and truly find the best fit.  There was a lot of fear around the insurance industry that tech was going to replace independent brokers, this is one tool that will help them add more value than ever.

Here's their website and twitter handle for more info:

askkodiac.com

@askkodiak

Here is Ask Kodiak's about us from LinkedIn:

AskKodiak is organizing commercial insurance. Brokers get a really simple (and totally free) way to search for eligible carrier markets. Carriers get a digital marketing platform that gives them some unique analytics about what agents and brokers are searching for and some easy-to-use tools to feature their products. It's way better than the Sharepoint portals, territory manager visits, and email blasts of the past.