On-Demand & Usage-Based Insurance: Our Vision for a More Flexible & Prosperous Urban America

At Our Vision, we believe that true progress happens when innovation meets the real needs of people. As we look at the changing landscape of insurance, one thing is clear: on-demand and usage-based models are not just a convenience — they’re a path toward financial flexibility, fairness, and economic resilience for urban America.

This is personal for us. We want to see a stronger America where Millennials, Gen Z, and gig workers — the backbone of our evolving economy — have access to insurance that fits their lives, not the other way around. And as we innovate, we’re committed to doing it in a way that creates jobs here at home and strengthens our communities.

Why This Matters to Us

We’ve seen firsthand how traditional annual policies often force people to pay for coverage they don’t use. That’s money that could stay in Americans’ pockets — money that could support families, fuel small businesses, and grow our economy.

Our mission is to empower people with pay-as-you-go protection that adapts to their lifestyle, whether it’s auto, travel, or device insurance, while keeping American jobs and American innovation at the center of the solution.

The Shift We’re Driving

1. Empowering the Workforce – From rideshare drivers to freelance creatives, flexible coverage gives workers the freedom to focus on earning without being weighed down by overpayment.

2. Boosting Economic Efficiency – By paying only for what’s used, we help urban Americans redirect savings into their communities.

3. Creating U.S.-Based Careers – Our growth in digital insurance operations is paired with a commitment to hiring, training, and developing talent right here in the United States.

Our Guidance for Choosing the Right Platform

1. Start with Your Reality: Track how often you truly use your car, travel, or rely on your devices.

2. Insist on Transparency: We build our platforms so customers can see costs and coverage in real time.

3. Support Ethical Providers: Choosing platforms committed to U.S. jobs keeps more economic value within our borders.

Our Bigger Vision

For us, on-demand and usage-based insurance is about more than just technology. It’s about aligning financial protection with modern living — and making sure that innovation fuels both personal security and national prosperity.

As America’s cities continue to grow and diversify, we see this as an opportunity to lead with solutions that are smart, flexible, and proudly American-made.