District Cover
Founded Year
2022Stage
Seed VC - III | AliveTotal Raised
$13MLast Raised
$6M | 8 days agoAbout District Cover
District Cover focuses on providing insurance solutions within the insurance industry, specifically targeting small businesses in underserved city neighborhoods. The company offers insurance products designed to meet the unique risk profiles and coverage needs of city-based businesses. District Cover primarily serves the small business sector within urban communities. It was founded in 2022 and is based in Nashville, Tennessee.
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District Cover's Products & Differentiators
The District Covered Commercial Package Policy
Our commercial insurance property and general liability (package) offering is a proprietary, non-admitted product that fills the gap between a restrictive Excess and Surplus Lines product and expensive admitted BOP policies.
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Research containing District Cover
Get data-driven expert analysis from the CB Insights Intelligence Unit.
CB Insights Intelligence Analysts have mentioned District Cover in 1 CB Insights research brief, most recently on Oct 16, 2025.
Oct 16, 2025 report
Insurtech 50: The most promising insurtech startups of 2025Expert Collections containing District Cover
Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.
District Cover is included in 4 Expert Collections, including Insurtech.
Insurtech
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Fintech
9,809 items
Companies and startups in this collection provide technology to streamline, improve, and transform financial services, products, and operations for individuals and businesses.
Insurtech 50 2025
50 items
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Insurtech 50
50 items
Latest District Cover News
Nov 13, 2025
District Cover , a tech-enabled insurance agency making insurance more accessible for businesses in America's urban centers, announced the close of a $6M funding round. The investment will fuel District Cover's growth in team, product development, platform enhancements, strategic initiatives, and city partnerships that advance its mission of bringing broad, affordable coverage to underserved business communities. The round was led by IA Capital, a leading financial services and insurance technology investor with strong support from existing District Cover partners, including Mosaic and Impact America Fund, both of which increased their commitments significantly. Previous investors, a16z, Amwins, Liquid2, and Vantage Risk, District Cover's primary capacity provider, also participated. “Our mission is to ensure that every business, especially those in overlooked city neighborhoods, has access to the coverage they need to thrive,” said Patrick Girouard, CEO of District Cover . “This round demonstrates the confidence our investors have in our approach and provides the resources we need to scale our technology, expand our products, and support the brokers and businesses we serve.” Product and Platform Expansion on the Horizon This new funding is fueling District Cover's next wave of innovation, with upcoming product and platform enhancements designed to give brokers and businesses more flexibility and choice. Among the initiatives in the works: Higher TIV Limits: Expanded coverage capacity up to $10 million to better serve building owners, buildings with multiple locations, and growing businesses. Platform Enhancements: New quoting and underwriting functionality that improves broker experience and efficiency. Property-Only Offering: A flexible coverage option for landlords, LRO exposures, and city businesses that leverages District Cover's leading property underwriting insights. Building on Momentum District Cover is scaling rapidly following a successful launch in New York. In just one year, the company has partnered with distribution teams nationwide, expanded its reach into the Southeast, received over 10,000 applications, and doubled the size of its team. “This is more than just funding—it's a vote of confidence in the belief that urban businesses in every neighborhood deserve tailored, reliable insurance solutions,” said Matt Perlman, Partner at IA Capital.
District Cover Frequently Asked Questions (FAQ)
When was District Cover founded?
District Cover was founded in 2022.
Where is District Cover's headquarters?
District Cover's headquarters is located at 2006 Acklen Avenue, Nashville.
What is District Cover's latest funding round?
District Cover's latest funding round is Seed VC - III.
How much did District Cover raise?
District Cover raised a total of $13M.
Who are the investors of District Cover?
Investors of District Cover include Liquid 2 Ventures, Andreessen Horowitz, Amwins, Impact America Fund, IA Capital Group and 8 more.
Who are District Cover's competitors?
Competitors of District Cover include Next and 4 more.
What products does District Cover offer?
District Cover's products include The District Covered Commercial Package Policy and 1 more.
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