Joyn Insurance is a commercial insurance startup that caters to small and middle market companies. The company operates in the insurance industry, specifically in the Excess and Surplus (E&S) lines market, which provides coverage for unique or hard-to-place risks that standard insurance companies may not cover. Joyn Insurance's target market includes businesses in real estate, manufacturing, services, wholesale, retail, and artisan contractors industry verticals.

The company differentiates itself through its commitment to transparency, agility, and data-driven insights. It promises to acknowledge every submission, providing clients with clear expectations. Joyn Insurance also leverages technology to deliver a flexible yet consistent insurance experience. Its team of underwriters uses data-guided insights to offer underwriting solutions tailored to each industry.

Joyn Insurance operates as a Managing General Agency (MGA), which means it handles underwriting, policy issuance, and claims on behalf of insurers. This business model allows Joyn Insurance to focus on its strengths in underwriting and customer service, while partnering with established insurers to provide the actual insurance coverage. The company makes money by earning a commission on the insurance policies it sells.

In summary, Joyn Insurance is a tech-enabled MGA that provides commercial insurance to small and middle market businesses, with a focus on transparency, agility, and data-driven underwriting.

Keywords: Commercial Insurance, Small and Middle Market, Excess and Surplus Lines, Real Estate, Manufacturing, Services, Wholesale, Retail, Artisan Contractors, Managing General Agency.