Glow

Glow

Tech-enabled workers' compensation and accident coverage

Overview

Glow provides Workers' Compensation and accident insurance for employees, covering injuries at work and in personal life without raising employer premiums. It targets small to mid-size businesses and uses a tech-driven platform to reduce administrative costs, passing savings to clients while offering more coverage. The product blends workers' comp with accident insurance, funded by employer premium payments, and includes guided care to help employees through claims, cash benefits during hospitalization, and additional support when returning to work. Glow differentiates itself through cost efficiency, streamlined administration, and continuous coverage across on- and off-duty incidents. The company aims to give modern, affordable, comprehensive protection for employees while helping employers manage benefits cost-effectively.

About Glow

Simplify's Rating
Why Glow is rated
C+
Rated C on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Enterprise Software

Financial Services

Healthcare

Company Size

201-500

Company Stage

Series A

Total Funding

$41.5M

Headquarters

San Francisco, California

Founded

2018

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Simplify's Take

What believers are saying

  • Glow’s website says 2026 customers save up to 20% and switch instantly.
  • Nov. 8, 2022 Series A raised $22.5 million from Cota Capital and AV8 Ventures.
  • Oura’s 2023 partnership validates Glow’s wellness-data approach and expands brand credibility.

What critics are saying

  • Glow remained a ~30-person team after 2022, limiting sales, compliance, and claims scale.
  • Pie Insurance, Foresight, and Kinetic target the same small-business workers’ compensation market.
  • Dependence on Chubb underwriting creates an existential counterparty risk if terms tighten or coverage ends.

What makes Glow unique

  • Glow underwrites workers’ compensation with Chubb and Combined Insurance, bundling accident coverage.
  • Its payroll-synced, no-down-payment pricing removes audits and surprise bills for employers.
  • Concierge care handles on- and off-job injuries through one contact, simplifying claims.

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Funding

Total Funding

$41.5M

Above

Industry Average

Funded Over

4 Rounds

Series A funding typically happens when a startup has a product and some customers, and now needs funding to scale. This money is usually used to grow the team, expand marketing, and improve the product. Venture capital firms are frequently the main investors here.
Series A Funding Comparison
Above Average

Industry standards

$15M
$8.2M
Discord
$15M
Canva
$22.5M
Glow
$30M
Kalshi

Benefits

Health Insurance

Dental Insurance

Vision Insurance

401(k) Retirement Plan

Stock Options

Paid Vacation

Growth & Insights and Company News

Headcount

6 month growth

1%

1 year growth

0%

2 year growth

6%
Wareable
Mar 12th, 2024
Oura launches Pregnancy Insights feature

Oura has also partnered with Glow for stress and sleep insights for women.

Glow
Nov 9th, 2022
Series A Announcement - Glow

Glow Raises $22.5 Million to Optimize Insurance for Small Businesses Digital Insurance Agency Ensures Small Businesses Always Have the Right Coverage at Lower Cost SAN FRANCISCO – Nov. 8, 2022 – Glow, the digital insurance agency for small businesses, announced that it has closed a $22.5 million round of series A financing led by CotaRead More

Coverager
Nov 8th, 2022
Glow Raises $22.5 Million

Glow Insurance Services, a digital insurance agency for small businesses, has closed a $22.5 million Series A round led by Cota Capital, with participation from AV8 Ventures, Markd, Startup Venture Capital, Maiden Re, and others. Established in 2018, the startup offers workers’ compensation underwritten by Chubb

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