About

Underwriters who’d rather
read a gauge than a form.

We started Tripline in Tampa in 2021 to write cover that pays on a number anyone can check. Five years, six perils and five storm seasons later, the claim forms are still at zero.

(01) Logbook

Six years,
one line each.

2021

First policy written, Tampa

First policy written, Tampa

A wind policy for a cold-chain warehouse on the bay.

A wind policy for a cold-chain warehouse on the bay.

2022

Capacity tower closes at $120M

Capacity tower closes at $120M

Three carriers and a syndicate behind every policy.

Three carriers and a syndicate behind every policy.

2023

First payout, T+39 h

Storm Tamsin crossed Tier 1 in eleven cells.

2024

Rainfall and flood cover

Rainfall and flood cover

River gauges and radar join the grid.

River gauges and radar join the grid.

2025

Brokers in 11 states

Brokers in 11 states

Quotes by address inside the broker portal.

Quotes by address inside the broker portal.

2026

Storm Ines: 61 cells, $4.82M

Storm Ines: 61 cells, $4.82M

Zero claim forms filed.

Zero claim forms filed.

(02) Team

Six people,
one grid.

Underwriting, data science, claims that aren’t claims, and the people who answer brokers on a Sunday before landfall.

The CEO sitting on a concrete ledge at a loading bay, holding a paper cup and looking out toward a grey sky.

Anders Kowalczyk

Co-founder and CEO

Anders spent nineteen years in property catastrophe reinsurance before starting Tripline to write cover that could be read in five numbers. He still signs the weekly list of cells that crossed a line and the notes that go with them.

A woman in a graphite jumper studying printed coastal maps pinned across a long office wall.

Ayesha Rahman

Chief Underwriting Officer

Ayesha sets every strike, exit and limit on the book, and she replays each one against thirty years of readings before it goes into a quote. She came from a flood-risk modelling team and still keeps a wall of printed cell maps next to her desk.

A climate data scientist seen from behind working at two out-of-focus monitors in a bright open office.

Tomás Ferreira

Head of Data Science

Tomás built the consensus model that turns three sources into one cell value, the number the independent calculation agent then checks and signs. He previously cleaned station records for a national weather service and now spends his Fridays arguing with sensors that read warm.

A claims specialist walking across a windy rooftop with a phone to her ear, her hair blown across her face.

Chidinma Okafor

Head of Events and Settlement

Chidinma runs the desk that watches a storm from its first forecast to the last transfer, and she writes the settlement note that each policyholder receives. She trained as a loss adjuster, which is why she is happy that most of her notes no longer start with a site visit.

The head of brokerage mid-sentence at a meeting table, laughing and gesturing with one hand.

Gabriel Mensah

Head of Brokerage

Gabriel looks after the forty-odd brokers who place Tripline policies and writes the quote files they take to their clients. He spent fourteen years on the broker side of the table, so he reads a schedule the way his clients do, which is to say with a pencil.

Close-up of a product lead's hands drawing a pencil line along a steel ruler on a printed dot grid.

Yuki Nakamura

Head of Product

Yuki designs the policy schedule, the alert and the settlement note, and insists that each of them fits on one page. She started in industrial design for measurement instruments, and still prototypes on paper before anything reaches a screen.

(03) Capacity

Who pays
when the index does.

Rated carriers and a catastrophe syndicate carry the risk, layer by layer, up to $180M for one event.

Halvard Re

$0–5M

42.5 % of the layer

A+ · Stable outlook (demo)

Ostwick Capital Re

$5M–25M

57.5 % of the layer

A · Stable outlook (demo)

Lindqvist Mutual

$25M–75M

34.0 % of the layer

A+ · Positive outlook (demo)

Corbel & Vane

$75M–120M

29.5 % of the layer

A− · Stable outlook (demo)

Brightwater Syndicate 4418

$120M–180M

100 % of the layer, placed in two lines

A · Stable outlook (demo)

Next step

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