Company Overview
About Delos
Delos Insurance Solutions is a San Francisco, California-based AI-powered wildfire insurance Managing General Agent (MGA) — backed with $9 million in Series A funding — providing homeowners in California's wildfire-stressed markets with insurance coverage that the state's major carriers have discontinued, using proprietary satellite imagery and AI risk models developed by academic researchers that outperform industry wildfire risk scoring to identify insurable properties within territories that traditional insurers have abandoned. Delos has insured 25,000+ California policyholders representing $40+ billion in total insurance value written on behalf of AM Best A-rated carrier partners. In 2024, Delos expanded insurable coverage by 265,000 additional Southern California homes across five counties by improving wildfire modeling confidence. Awards include MGA/MGU of the Year from Insurance Insider US and CB Insights Top 100 Global Fintech Companies for 2024. Founded in 2017 in San Francisco.
Business Model & Competitive Advantage
Delos's AI wildfire risk platform addresses the insurance availability crisis created by major carrier exits from California's wildfire-exposed markets: State Farm, Allstate, Farmers, and other major home insurers announced non-renewal of hundreds of thousands of California homeowners policies from 2022-2024, citing inadequate premium-to-loss ratios in wildfire zones — leaving homeowners unable to obtain conventional insurance and forced to the California FAIR Plan (last-resort coverage with limited protection at higher cost). Traditional insurance actuarial models (using ZIP code, proximity to fire stations, and historical fire incident data) produce binary coverage decisions — entire ZIP codes or fire zones become uninsurable regardless of individual property risk variation. Delos's machine learning models (trained on satellite-derived vegetation data, wind patterns, topography, property construction materials, and defensible space assessments at the individual property level) identify the 15-40% of properties within nominally "uninsurable" zip codes that have materially lower wildfire risk — making coverage viable at actuarially sound premium levels.
Competitive Landscape 2025–2026
In 2025, Delos competes in the California wildfire insurance, InsurTech MGA, and climate risk insurance market with Hippo Insurance (NYSE: HIPO, AI-powered home insurance, $900M+ raised), Kin Insurance (private, tech-first home insurance, $154M raised), and Branch Insurance (insurtech bundling, $147M raised) for California homeowner insurance coverage in wildfire-risk markets where traditional carriers have withdrawn. The California FAIR Plan's capacity limitations (forcing residents into inadequate last-resort coverage) create direct demand for Delos's differentiated underwriting. The 265,000 additional homes identified as insurable in Southern California demonstrates that better AI modeling expands the insurable market rather than just cherry-picking the best risks. The 2025 strategy focuses on growing the Southern California market (where carrier exits have been most acute), expanding into Oregon and Washington state wildfire markets with similar carrier withdrawal dynamics, and building the proactive wildfire mitigation advisory service (alerting policyholders to defensible space improvements that reduce risk and lower premium).
The Delos Story
Founders
Recent Activity
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Major milestones in Delos's journey
Leadership Team
Meet the leaders behind Delos
Kevin Stein
Kevin Stein is the CEO and Co-Founder of Delos Insurance Solutions. A California native with deep expertise in technology and insurance, Kevin founded Delos with the vision of using artificial intelligence and satellite imagery to solve the wildfire insurance crisis. Under his leadership, Delos has grown to serve over 25,000 policyholders and has been recognized as a Top 100 Global Fintech Company.
Brent
Brent is a 5x startup founder and 3x CEO with extensive expertise at the intersection of climate tech, fintech, and activism. His entrepreneurial experience and passion for climate solutions have been instrumental in shaping Delos's innovative approach to wildfire risk management.
Bryan
Bryan brings over 40 years of insurance experience to Delos, including more than 30 years at Allstate Insurance. He served his last 10 years at Allstate as Director of Property Claims and Innovation, providing deep expertise in claims management and operational excellence.
Allan
Allan is a Senior Industry Fellow at UC Irvine with distinguished experience as CIO, CDO, and Head of Innovation at Mercury Insurance. His prior role as CIO of H&R Block brings valuable expertise in technology transformation and digital innovation to Delos.
Gloria Hendrickson
Gloria Hendrickson joined Delos in November 2024 to lead reinsurance strategy. She focuses on securing reinsurance capacity for new programs and strengthening relationships with reinsurance partners, critical to Delos's ability to scale coverage in high-risk areas.
Tom Pratt
Tom Pratt leads public policy and government affairs for Delos. He was appointed to the Legislative Committee of the Surplus Line Association of California in September 2025, representing Delos's interests in insurance regulatory matters.
Key Differentiators
Emerging Innovator
Delos is an emerging player bringing innovative solutions to the Insurance Tech market.
Frequently Asked Questions
Estimated Visibility Trend (Beta)
Simulated 8-week rolling score
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