InnSure

InnSure

InnSure is a nonprofit organization focused on climate insurance and risk-financing innovation. It works with communities, insurers, entrepreneurs, public agencies, funders, and other market participants to develop products and systems for climate adaptation, protection gaps, and the energy transition.

Venture Step Episode 91 grew from Dalton Anderson's response to an InnSure climate forum. The episode transcript misrecognized the organization as "Insured Group" and misrendered two leader names. The current names are Christopher Lowell and Charles Sidoti.

Mission and operating model

InnSure's current website says its mission is to create an insurance and risk-financing system that helps climate-challenged communities and energy-transition projects manage threats to their success.

The organization groups its work around closing protection gaps, accelerating the energy transition, supporting community resilience, and promoting nature-related practices. Those are stated priorities, not independently measured results.

flowchart TD
    A["InnSure"] --> B["Product incubation"]
    A --> C["Community insurability planning"]
    A --> D["Risk and insurance ecosystem"]
    A --> E["Prize and grant programs"]
    B --> F["New climate-risk solutions"]
    C --> G["Community and market feedback"]
    D --> F
    E --> F

InnSure's 2026 website describes an "InnSure Loop" intended to connect community resilience investment with carrier underwriting and market response. It says the first community pilot is launching in 2026. That identifies program design and timing, not completed impact.

Programs and funding

InnSure's Creation Labs announcement describes an incubator built with GreenieRE for climate-risk products and services. The platform connects innovators with communities and support intended to accelerate product launch.

The organization has also managed prize programs. Its 2026 decarbonization prize offers $600,000 in non-dilutive funding for data-powered underwriting solutions. Its earlier NYSERDA-backed innovation prize offered up to $5 million across selected teams.

Funding announcements show program resources. They do not by themselves establish product adoption, underwriting performance, claims results, or community benefit.

Leadership and ecosystem

InnSure's leadership page identifies Charles Sidoti as executive director, Christopher Lowell as managing director, and Steve Brandt as chief development officer at the time of review.

The organization has participated in GreenieRE's development and works with public, philanthropic, insurance, and technology partners. Its role may include convening, program management, product development, acceleration, research, and community engagement.

How to evaluate the work

The most useful measures begin after an idea enters the market. They include products launched, risk capacity added, policies or guarantees issued, communities reached, projects financed, premium or capital-cost effects, claim performance, and whether intended groups receive the benefit.

Public readers should distinguish a concept, pilot, prize winner, incubator participant, and operating insurance product. Each represents a different evidence stage.

Evidence boundary

Official InnSure sources establish its nonprofit identity, mission, leaders, public programs, partners, and announced funding. They do not provide a complete independent evaluation of outcomes or prove that every supported product closes a protection gap.

Episode 91 is valuable as a record of how an insurance professional responded to InnSure's ideas. It is not an official account of the organization. [[The Social Contract Is Broken - Dalton Anderson on Climate Insurance]] preserves that distinction.

This profile reflects sources reviewed on July 27, 2026. AI assistance was used for research organization, drafting, and validation. Publication remains unauthorized.

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