Insurate was Formed to Modernize High Hazard Workers' Comp for Businesses that Build & Sustain America, and to Provide a Powerful Economic Incentive that Rewards Safer-Than-Average Companies.

Lower Premiums, Improved Loss Prevention, and Dynamic Pricing to Reflect Improved Safety - a Virtuous Cycle that Benefits All Parties.

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Virtuous Cycle

When companies are sufficiently rewarded for prioritizing the safety of their people, it sparks a virtuous cycle of economic savings and employee protection that benefits the entire ecosystem.

In this flywheel of safety and savings, businesses that protect their people enjoy a strong financial incentive, while insuring companies with fewer and less severe claims leads to lower financial exposure for Insurate, which translates into lower corresponding premiums for our customers.

Designed for Ease of Use

Insurate's AI and predictive analytics approach requires no extra input, audits, or engagement by agents or their prospective clients. We leverage existing claims history and synthesize hundreds of new and novel data points for granular insight into a company’s operations. Once qualified, our AI risk intelligence platform identifies predictive data on the most likely claims and injuries to occur at the company, and the specific risk management activities that will result in the greatest safety impact.

Run by Experts

Our team is a unique combination of insurance industry experts with decades of agency and carrier experience combined with data science and AI technologists working to address the many opportunities for improvement in high hazard workers' comp.

Driven by Data

While we appreciate that certain jobs may sound dangerous, we rely on hundreds of data points and technical analysis not previously used in high hazard underwriting to derive a more accurate understanding of a company’s specific risk profile.

Inspired by People

We hold a deep respect for the trades and craftspeople who perform most industrial and high hazard jobs. We believe workers and businesses who make things and make things work in America are the unacknowledged foundation of our economy and make our democracy vibrant.

Powered by Technology

In a world claiming Artificial Intelligence everything, we don’t sacrifice the humanity of underwriting and loss prevention. We complement it with Safe-Tier™ analysis, artificial intelligence and predictive risk assessment for more accurate policy pricing and loss prevention.

Backed by the Best

A global community of investors and reinsurers support Insurate:


Insurate was formed from inside the high hazard work comp industry to apply data science to quantify and align risk and rate, building the infrastructure for the future of insurance - a vision that has drawn a unique, diverse and experienced leadership team:

Joe Mcilhon

Founder & CEO

Joe’s passion for shaping radical change of broken systems led him to go all in on something he cared deeply about: improving the lives of others. Over the last two decades he navigated his way through the world of complex, high hazard commercial insurance - from underwriting, to sales, to agency ownership - his experiences all culminating in Insurate. His entire insurance career has been devoted to understanding the unique differences between companies that are often overlooked or misunderstood by traditional insurance methods. He has extensive knowledge of the industrial market, having underwritten and secured tens of millions of complex casualty premiums over his career. As a licensed property/casualty agent and consultant for nearly two decades, he holds advanced designations in risk management, commercial underwriting (CPCU), and workers' compensation. Enlisting in the National Guard at 17, and being activated after 9/11 to several combat deployments, ultimately serving for 20 years, Joe’s life has been dedicated to the service of others.

Scott Weller

Co-founder & President

Scott’s interest in applying technology to improve customer and partner experiences has shaped much of Insurate’s early focus. As co-founder and President of Insurate, Scott’s thoughtful approach to simplifying the company’s positioning and strategic priorities has been an important influence. Before Insurate, Scott served as President of Radian Labs, LLC – an intellectual property licensing firm holding aerospace technology patents with customers including Nike, Under Armour, and Bauer. Previously, Scott served as President of mobile Caller ID firm Cequint, a startup that became an embedded technology partner to four of the top five U.S. mobile operators including AT&T, Verizon, T-Mobile, and Sprint; and was acquired by Transaction Network Services (NYSE:TNSI). In his earlier career, Scott spent 6 years at Research in Motion/BlackBerry, managing the company’s launch of BlackBerry mobile phones in the US with AT&T Wireless, growing the relationship from inception to $900M in annual revenues. Scott has a Bachelors degree from the University of Washington and a Masters degree from Duke University.

Hossein Mousavi

Co-founder & CFO

As co-founder and Chief Financial Officer of Insurate, Hossein Mousavi also oversees product data analytics. For decades, Hossein has repeatedly demonstrated his ability to lead complicated projects from inception to success. A career of challenging the status quo to build companies of the future, Hossein’s success is attributed to his ability to translate complex ideas and systems into easy-to-use products. Prior to Insurate, he served as the managing partner of an aerospace industry investment firm, the CEO of Cequint, a cofounder at mPoria - a mobile commerce company partly purchased by Sega-Sami of Japan - at Microsoft as a senior manager directing the company's e-commerce solution, as a key member of the executive team at – one of the largest early online companies, and as the co-founder of eCentives, an early internet start-up company that was subsequently taken public. Hossein holds two undergraduate degrees in Computer Science and Applied Mathematics from the University of Rhode Island, and an MBA from Darden at the University of Virginia.

Abby Ferri

Chief Safety Officer

As the Chief Safety Officer at Insurate, Abby Ferri has over 20 years of experience providing practical, creative, and innovative risk and safety management solutions for many industries. From construction to healthcare and everything in between - Abby is a valuable asset in all areas of worker safety and health. Some notable moments in her illustrious career include leading the ASSP/ISEA technical report committee establishing guidelines for the fit and selection of PPE for women, establishing safety education for construction management students, leading an international professional society’s women-in-safety group, and receiving multiple awards including the International Safety Equipment Association’s Distinguished Service Award and ASSP’s Safety Professional of the Year. Other accomplishments under her belt include speaking at conferences throughout the US and global events virtually, founding and cohosting the global top 200 podcast “Safety Justice League,” and leading several initiatives to increase girls’ interest in trades and EHS careers.

Zach Stock

Chief Revenue Officer

Insurate’s Chief Revenue Officer, Zach Stock, is a seasoned sales and corporate development expert who has built competitive strategies to grow market share in multiple insurance categories including retail, wholesale brokerage, and alternative risk financing. A lifelong insurance entrepreneur, Zach was licensed by the age of 20 and achieved his first successful industry exit by age 25. In addition to insurance, Zach has founded firms in industries as diverse as cannabis and real estate development, entering competitive markets and devising creative partnership and sales strategies to grow market share toward successful outcomes. At Insurate, Zach leads sales and market strategy as well as distribution partnerships. A native of Maine, Zach now resides in Denver, Colorado and Austin, Texas.

Mark Stearns

Chief Claims Officer

Mark Stearns, has over 25 years of experience working for insurance carriers in numerous leadership roles including commercial claims and risk management. With a background that includes 3 years as an Account Executive at a leading Broker, Mark brings a unique understanding of the importance of agency involvement in claims management and a passion for safeguarding the human beings that our clients employ. Mark is focused on effecting change within the insurance landscape by leveraging technology and analytics to transform operations and improve outcomes – and maybe even redefining what success looks like in the process. Outside of insurance, Mark has numerous community interests and has served as a Board Member for both Kids Chance and the Boys and Girls Club as well as 4 years as a Community Impact Team member for the United Way.
Mark and his family reside in Ankeny, IA.


If you thrive on working remotely but closely with smart and motivated coworkers who feel privileged to be among humble, compassionate and purpose-driven colleagues, you may be a good fit for Insurate. Join a team that embraces ambiguity and values input, with no ego around where the best ideas come from. Some things you can expect:

Time-off when Needed

Time is our most precious resource. You work when, where, and as needed to get the job done.

Remote-first Workplace

We trust you to work in your own space on your own time. A remote-first workplace is more cost-effective, environmentally friendly, and makes happier employees.

Company Retreats

We believe in merging our online relationships with real-world adventures among colleagues we feel privileged to work with.

Company Equity for Employees

Equity makes everyone an owner in the business and empowers you to speak up for your beliefs.

Matching 401K

We offer a 100% match on the first 4% you contribute to your plan.

Paid Family Leave for all New Parents

Our leave policy helps you support and bond with new additions to your family.

Top-tier Health & Life Benefits

You're valued. That's why we will take care of you and your family:

Short-term disability
Long-term disability
Accidental death