About Ownli
Built for the carriers who actually price risk.
We give P&C carriers the verified, first-party data they need to underwrite, price, and retain — without expensive audits or stale third-party feeds.
Thesis
The most accurate data about a policyholder lives with the policyholder. Carriers buy approximations of that truth from third parties, and underwrite around the gaps. We close the gap directly: ask the customer, verify the answer, reward the behavior, feed the price.
Ownli is the verified data layer between insurers and the people they insure. We give carriers a direct line to first-party, AI-verified data from their own policyholders. No brokers, no guesswork, no stale pulls from data middlemen. Just the source.
When carriers get better data, they price more accurately. When policyholders are asked directly, compensated fairly, and shown that honesty pays, they participate and they stay. The adversarial relationship that has defined insurance data for decades dissolves when both sides finally have something to gain.
We started in insurance because the cost of bad data is most acute there. But the infrastructure we are building — verified, consent-based, first-party data flowing directly from individuals to the businesses that need it — is the foundation for every industry that follows.
How we operate
Ask, don't infer
Direct data from the policyholder beats any model built on proxy signals. We go to the source.
Verify before it counts
AI-powered checks catch anomalies before the data reaches the carrier. Filing-approved, not handwaving.
Reward honest behavior
Policyholders participate when participation pays. Consent is earned, not assumed.
Carrier-owned data
Your data, your retention, your filings. Ownli is infrastructure — not a middleman with leverage.
Team
Founded by a team with deep insurance, data, and policyholder-experience backgrounds. Backed by carriers and operators who've lived this problem.
Close the leakage your current data can't see. Keep the policyholders your competitors want.
30 minutes with your lines. We'll show you what verified first-party data changes.