[ PLACEHOLDER ] Old palazzo / heritage HQ — drop hi-res photograph

[ PLACEHOLDER ] Hyper-modern glass tower — drop hi-res photograph

[ PLACEHOLDER ] Marble lobby / vault — drop hi-res photograph

[ PLACEHOLDER ] Parametric tower / atrium — drop hi-res photograph

Lat 46.2044°N

Status ● Stealth — Onboarding founders

Build v0.001 / placeholder

DARAD

An insurance idea factory. We build the products legacy carriers couldn't, wouldn't, and won't. The new Revolut of insurance — engineered from the ground up.

Scroll / 04 sections

Insurance · Re-engineered ✱ No paperwork ✱ No fine print ✱ No kidding ✱ Cover in 30 seconds ✱ Built by builders ✱ Insurance · Re-engineered ✱ No paperwork ✱ No fine print ✱ No kidding ✱ Cover in 30 seconds ✱ Built by builders ✱ Insurance · Re-engineered ✱ No paperwork ✱ No fine print ✱ No kidding ✱ Cover in 30 seconds ✱ Built by builders ✱ Insurance · Re-engineered ✱ No paperwork ✱ No fine print ✱ No kidding ✱ Cover in 30 seconds ✱ Built by builders ✱

§ 01 — Manifesto

The industry sells fear certainty. We sell speed, clarity, and products that didn't exist yesterday. DARAD is the factory floor for the next 100 years of cover.

/ 001

Idea Factory

A standing studio of actuaries, engineers and underwriters that ships a new insurance product every quarter. Not a roadmap — a release schedule.

OPS / Lab↗

/ 002

API-First Cover

Every policy is a programmable object. Embed cover into any app, marketplace, or wallet in a single afternoon. Insurance as infrastructure.

OPS / Platform↗

/ 003

Pay-Per-Risk

Granular, real-time pricing. The clock starts when the risk starts. The clock stops when it's gone. No annual lock-in. No waste.

OPS / Pricing↗

Legacy Carriers · est. 1872

Quotes in days. Claims in months. Policies your grandfather wrote.

14-page PDFs in 9pt type
Fax-grade onboarding flow
Static products, frozen since 1998
Branch managers as gatekeepers
Loss ratios optimised for shareholders

DARAD · est. 2026

Quotes in 30s. Claims in 30m. Products that ship every quarter.

One-screen cover, plain language
Phone-native onboarding, biometric KYC
Product velocity: 4 launches per year
Self-serve everything — including claims
Loss ratios optimised for the customer

30s

Median time to bound cover, end-to-end

04/yr

New insurance products shipped per year

100%

Of policies issued via API or app

Pages of fine print. Read it in one breath