Maintaining a beginner’s mind with Sean Harper, Co-founder & CEO, Kin Insurance

The Insurance Coffee House

“The average price of homeowners’ insurance has doubled in the last 20 years. It’s really going in the wrong direction, we saw that as an opportunity. People wanted a better, tech-forward solution.”

The self-confessed nerd and entrepreneur shares how his background as a management consultant exposed him to a lot of business problems and gain the confidence in solving them.

Sean talks through his journey of co-founding Kin, a fully-licensed home insurance technology company that provides affordable coverage to homeowners in catastrophe-prone regions.

Headquartered in Chicago and with offices currently serving Florida, Louisiana and California, the business has grown to $100m of premiums and manages a reciprocal exchange owned by its customers, to purchase re-insurance in exchange for a fee.

“Those three states are a $20bn market, they’re the size of countries with different consumer preferences, laws and risks. We’re very small but are growing very fast,” says Sean. “Areas that are more catastrophe exposed is about 40% of the market and it’s growing.”

He shares the core values that Kin offers its growing team and emphasises that the hard things are where the value is created. “We give people an opportunity to practise their craft”

Sean encourages us to maintain a ‘beginner's mind’. “Take nothing for granted, think about every problem from a blank sheet of paper.”

Connect with Sean on LinkedIn or find out more about Kin

The Insurance Coffee House Podcast is hosted by Nick Hoadley, CEO of Insurance Search, the Executive Search Consultancy for growing Insurance and Insurtech businesses across the globe.

To discuss identifying & attracting the very best talent to your team or being a podcast guest, reach out to Nick via www.insurance-search.com or email [e-mail]

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