Delos vs Decimal
Side-by-side comparison of AI visibility scores, market position, and capabilities
San Francisco AI wildfire MGA covering 25,000+ CA policyholders/$40B+ insurance value; $9M Series A with 265,000 additional homes unlocked by better risk AI competing with Hippo and FAIR Plan for California wildfire insurance.
About
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.
Tech-enabled bookkeeping pairing dedicated accountants with proprietary automation; flat monthly subscription; founded 2020 in Fishers, Indiana; faster close with full client transparency.
About
Decimal is a Fishers, Indiana-based technology-enabled bookkeeping company that provides small businesses with a dedicated accounting team and a modern software platform for a flat monthly subscription. Founded in 2020, Decimal was built to address the most common frustration of small business owners who have outgrown DIY bookkeeping but find traditional bookkeeping firms slow, expensive, and opaque. Decimal pairs each client with a dedicated bookkeeper and accounting team who are supported by proprietary software that automates routine transaction processing, exception identification, and reporting, allowing the human team to focus on accuracy review, month-end close, and client communication rather than manual data entry.\n\nDecimal's product experience centers on transparency and responsiveness. Clients access their books through a web portal with real-time financial dashboards showing cash position, profit and loss, and accounts receivable and payable balances. The platform includes a communication thread for each question or task, giving small business owners visibility into the status of their bookkeeping without email chains or phone tag. Decimal's pricing model is a flat monthly subscription based on business complexity rather than hours worked, making costs predictable and removing the billing anxiety that characterizes traditional bookkeeping relationships.\n\nDecimal targets small businesses with $500,000 to $10 million in annual revenue that need accurate, timely books and periodic financial guidance but are not yet ready for a full-time accounting hire or a CFO-level engagement. The company operates as a fully remote team and serves clients across the United States in industries including professional services, e-commerce, retail, and service businesses. Decimal competes with Bench, Pilot, and Botkeeper in the technology-enabled bookkeeping market, differentiating on its dedicated team model, the quality of its software-plus-human integration, and its Midwestern operational roots that keep its cost structure competitive.
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