Independent · Est. 2026
The Covered Collective exists to close that gap.
Source: Swiss Re Institute, sigma 1/2026 ↗
Get in touchWhat We Do
The protection gaps in property exist for a variety of reasons; lack of accessible products is often cited, but it is an oversimplification. Often, the gap is not a technical problem. The issues keeping communities outside the insurance system are solvable.
We believe that the time to solve these persisting challenges is now; market capital, combined with maturity of technology and adoption mean new solutions are viable. The Covered Collective will translate the uninsured into language the market can work with, and bring the right participants together to build the products, pools and funds that communities need.
We are not a broker, an insurer or vendor, TCC is an independent movement. We are necessarily independent, to hold the convening authority and perform neutral research in order to make a meaningful change to the property protection gaps. Yet, experienced enough to know that the insurance ecosystem presents tremendous opportunity for the ongoing resilience of our communities.
TCC will identify communities currently outside the insurance system and translate their risk into language the market can work with.
TCC will bring market participants together around that risk: brokers, (re)insurers, vendors and public bodies.
TCC will facilitate the creation of the fund, pool, or product.
Feasibility Study
The Covered Collective is conducting research for its founding paper, collaborating with experts across the insurer, reinsurer and insurtech industry. TCC is focusing on property gaps, both residential and commercial, in mature and emerging markets.
Looking at how funds come into existence, who remains outside them, and what happens when a fund ceases to exist; markets where insurance is available but the products no longer match the risk, and those areas where insurance penetration is low.
As an ecosystem we have answers. TCC's challenge is to take the possibility and sentiments from the industry and turn them into viable solutions. The study is anchored around five hypotheses for addressing protection gaps in property; open for collaboration, insights and challenge from the entire industry.
Research & Intelligence
TCC's work is grounded in analysis of the protection gap and the availability of insurance based solutions. A full TCC position paper is in development.
Contact
We are in our founding phase. If you work in insurance, risk, policy, development finance or community resilience, and you recognise the gap TCC exists to fill, we want to hear from you.
Whether you want to join the founding group, explore a research partnership, or simply understand more about what TCC is building, reach out.