Pineapple

Pineapple offers a fair, transparent, and affinity-based P2P insurance product that gives full insurance coverage without eroding trust in the insurance process. Users download the app, snap a picture of what they want to insure and AI determines what the user's item is, they then immediately underwrite and quote. Premiums then go into the customer's "pineapple wallet" and then whenever there's a claim in the system, they break up a claim into tiny pieces that everyone pays out together based on the insured risk within the risk pool. In this way, Pineapple insures people while also creating incentives to decrease risk within a community.