Sean Harper, CEO and founder of Kin, emphasized the importance of data and technology in adapting insurance practices during a fireside chat at ITC Vegas 2025. The event, titled “Beyond the Storm: Adapting Insurance for a Changing Climate,” took place at Mandalay Bay in Las Vegas.
“I believe humans are incredibly adaptable,” said Sean Harper on LinkedIn. “Especially when you arm us with technology and data, we’re even more adaptable (…) We will figure it out.”Â
As reported by the official ITC Vegas 2025 session page, Harper shared the stage with Jay Rajendra from Arch Capital Group, discussing strategies for adapting insurance to climate risks.
Harper’s comments are significant as they highlight the evolving landscape of the insurance industry in response to climate change. His focus on owning the full stack—controlling underwriting, technology, and customer experience—aligns with broader themes discussed at the conference regarding resilience and technological advancement.
According to Sean Harper, “One of the hardest things in life is figuring out when to be stubborn and when to be flexible. We’ve always held firm that if we want to underwrite, we need to own the full stack- including the customer experience. Our first core value is to run through walls together. Everyone said going direct to consumer and underwriting cat areas would be really hard. We said, ‘Alright, bring it.'”Â
To support this approach, Kin sponsored a $300 million catastrophe bond in 2025 to provide protection against severe events.
Kin has shown strong financial performance, reporting $495.3 million in gross written premium and $156.1 million in total revenue for 2024. The company attributes its success to disciplined execution in direct-to-consumer distribution and a focus on underwriting precision.
In Q2 2025, Kin reported a 26% year-over-year revenue growth with improved underwriting performance through its managed reciprocal exchanges. The adjusted loss ratio after catastrophe excess-of-loss reinsurance was notably better than the previous year.
Harper founded Kin Insurance in 2016 with a mission to modernize homeowners’ insurance using software and granular data. Based in Chicago, he advocates for transparent pricing and swift claims processing while frequently speaking at insurtech forums about underwriting technology.
