Merlinio operates as an "insurance-as-a-service" provider, combining a technology platform (Merlinio Technologies, LLC) with a licensed insurance agency (Merlinio Insurance Services, LLC). The company's mission is to make insurance simple, accessible, and integrated into the daily digital experiences of consumers. Through its comprehensive API, Merlinio enables fintechs, banks, and other technology companies to seamlessly embed insurance offerings like auto, home, renters, and pet insurance directly into their own applications and user journeys, creating new revenue streams and enhancing customer value.

Founded in

United States