public telematics-based auto insurer

Root Insurance

A public auto insurer using phone-based telematics and behavior data to price coverage. Root can lower premiums for some safe drivers, but it adds surveillance directly into the insurance product and remains shareholder-controlled.

Why this matters: Root is the clearest auto-insurance example where cheaper coverage is traded against behavioral data capture.

Letter grade D Extractive High confidence (AI) Rubric gcd-rubric-v1 Last reviewed May 12, 2026

Final Score 14* D - Extractive

DEXTRACTIVE14 pts

* Tentative scaffolding score. Not human-checked or final.

Base Material21

Bonus+1

Cap35Ownership <= 2 and Governance <= 2

After Cap22

Penalties-8

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Evaluation Overview

D - Extractive

The score turns mainly on Extraction, with the largest penalty coming from Surveillance Capture.

Strengths

Extraction3/10
Solidarity with the Unemployed3/7
Loss-Bearing Fidelity3/7

Penalties

Surveillance Capture-4
Accountability Opacity-2
Subscription Capture-1
Identity Capture-1

Evidence state

ConfidenceHigh confidence (AI)
ThoroughnessDeveloped (AI)
Linked claims14
Direct axis claims14
Coverage14/14

Scoring Axes

Axis	Score	Why this score
Ownership ? Control rights: shareholder-dominated at 0, worker cooperative control at 10.	1 / 10	Root Insurance's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Root Insurance's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Root Insurance's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Root Insurance's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Root Insurance's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Root Insurance's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Root Insurance's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Root Insurance competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Root Insurance's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Root Insurance's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Governance ? Binding decision authority: centralized control at 0, democratic stakeholder control at 10.	1 / 10	Root Insurance's public record gives limited direct evidence about whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. Root Insurance's public record gives limited direct evidence about whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. On Governance, Root Insurance belongs low because insurance power is controlled mainly by shareholders, executives, parent companies, or ordinary corporate boards rather than policyholders, patients, workers, or affected communities. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Root Insurance's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] Root Insurance's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Root Insurance's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Root Insurance's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Root Insurance's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Root Insurance's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Root Insurance competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Root Insurance's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Root Insurance's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Extraction ? Surplus allocation, wage share, CEO pay ratio, margins, and structured extraction judgment.	3 / 10	Root Insurance's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. Root Insurance's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. On Extraction, Root Insurance belongs low because insurance power is controlled mainly by shareholders, executives, parent companies, or ordinary corporate boards rather than policyholders, patients, workers, or affected communities. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Root Insurance's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Root Insurance's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] Root Insurance's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Root Insurance's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Root Insurance's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Root Insurance's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Root Insurance competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Root Insurance's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Root Insurance's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Labor Sovereignty ? Worker power: coercive conditions at 0, co-determination or ownership at 7. Employee dissatisfaction matters only when source-backed evidence shows concrete limits on worker agency, such as coercive scheduling, retaliation, wage theft, harassment, unsafe conditions, suppression of worker voice, or extreme turnover.	2 / 7	Root Insurance's public structure does not show ordinary workers holding binding democratic control over insurance operations. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Root Insurance's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Root Insurance's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Root Insurance's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] Root Insurance's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Root Insurance's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Root Insurance's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Root Insurance competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Root Insurance's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Root Insurance's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Solidarity with the Unemployed ? Treatment of exits and nonworkers, including severance, redeployment, and non-competes.	3 / 7	Root Insurance's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. Root Insurance's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. On Solidarity with the Unemployed, Root Insurance belongs low because insurance power is controlled mainly by shareholders, executives, parent companies, or ordinary corporate boards rather than policyholders, patients, workers, or affected communities. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Root Insurance's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Root Insurance's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Root Insurance's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Root Insurance's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] Root Insurance's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Root Insurance's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Root Insurance competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Root Insurance's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Root Insurance's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Loss-Bearing Fidelity ? Willingness to absorb costs to preserve values, workers, users, and public obligations.	3 / 7	Root Insurance's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. Root Insurance's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. On Loss-Bearing Fidelity, Root Insurance belongs low because insurance power is controlled mainly by shareholders, executives, parent companies, or ordinary corporate boards rather than policyholders, patients, workers, or affected communities. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Root Insurance's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Root Insurance's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Root Insurance's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Root Insurance's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Root Insurance's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] Root Insurance's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Root Insurance competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Root Insurance's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Root Insurance's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Market Conduct ? Pricing fairness, switching costs, lock-in, and rent extraction.	2 / 5	Root Insurance competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. Root Insurance competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. On Market Conduct, Root Insurance belongs low because insurance power is controlled mainly by shareholders, executives, parent companies, or ordinary corporate boards rather than policyholders, patients, workers, or affected communities. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Root Insurance's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Root Insurance's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Root Insurance's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Root Insurance's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Root Insurance's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Root Insurance's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] Root Insurance competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Root Insurance's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Root Insurance's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Product Integrity ? Preservation of quality rather than degradation for monetization.	3 / 5	Root Insurance's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. Root Insurance's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. On Product Integrity, Root Insurance belongs low because insurance power is controlled mainly by shareholders, executives, parent companies, or ordinary corporate boards rather than policyholders, patients, workers, or affected communities. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Root Insurance's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Root Insurance's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Root Insurance's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Root Insurance's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Root Insurance's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Root Insurance's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Root Insurance competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] Root Insurance's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] context Root Insurance's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]
Scale Integrity ? Whether growth improves or degrades fairness and accountability.	3 / 5	Root Insurance's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. Root Insurance's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. On Scale Integrity, Root Insurance belongs low because insurance power is controlled mainly by shareholders, executives, parent companies, or ordinary corporate boards rather than policyholders, patients, workers, or affected communities. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence context Root Insurance's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model. [1] context Root Insurance's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives. [2] context Root Insurance's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return. [3] context Root Insurance's public structure does not show ordinary workers holding binding democratic control over insurance operations. [4] context Root Insurance's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter. [5] context Root Insurance's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs. [6] context Root Insurance competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power. [7] context Root Insurance's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms. [8] Root Insurance's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs. [9]

Penalties

Penalty	Applied	Why this penalty
Subscription Capture ? Manipulative recurring-payment, automatic-renewal, cancellation-friction, bundling, trial-conversion, or refund designs that profit from inertia or confusion. Range: -5 to 0.	-1	Root Insurance's public record makes Subscription Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy… Root Insurance's public record makes Subscription Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Subscription Capture penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Root Insurance's public record makes Subscription Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [11]
Accountability Opacity ? Material opacity, reputation laundering, or hidden accountability structures that prevent public accountability. Range: -2 to 0.	-2	Root Insurance's public record makes Accountability Opacity relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy… Root Insurance's public record makes Accountability Opacity relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Accountability Opacity penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Root Insurance's public record makes Accountability Opacity relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [12]
Identity Capture ? Customer pressure, employee pressure, and pervasive identity saturation. Range: -3 to 0.	-1	Root Insurance's public record makes Identity Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. Root Insurance's public record makes Identity Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Identity Capture penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Root Insurance's public record makes Identity Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [13]
Surveillance Capture ? Invasive surveillance, unreasonably non-optional tracking, facial recognition, biometric identification, or AI behavior scanning of customers, workers, bystanders, or the public. Range: -5 to 0.	-4	Root Insurance's public record makes Surveillance Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy… Root Insurance's public record makes Surveillance Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This warrants a Surveillance Capture penalty because the insurance model exposes customers or members to recurring-payment inertia, opaque policy terms, care or claims gatekeeping, policy influence, data use, or identity-based trust transfer. The penalty is calibrated to the evidence for this entity rather than assumed for the whole sector. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Root Insurance's public record makes Surveillance Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [14]

Bonus Credits

Bonus	Credit	Why this credit
Good Deal ? Credit for unusually fair value: durable quality, fair pricing, low lock-in, and clear customer surplus.	1 / 3	Root Insurance's public record makes Good Deal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. Root Insurance's public record makes Good Deal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. This supports limited Good Deal credit because the record shows a rare insurance-sector practice that improves member voice, public value, affordability, or transparency. The credit is limited because insurance still works through contracts, underwriting, claims administration, or managed-care authority. Calibration notes Comparative anchor: Insurance expansion batch calibrated across health, life, mutual, public, pet, renters, and member-governed alternatives. Linked evidence Root Insurance's public record makes Good Deal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping. [10]

Confidence Basis

Confidence is computed from the evidence trail and review state, not typed into the profile by hand.

High 83/100

14 verified linked claims 14 direct axis claims 0 disputed claims 14/14 components covered

This confidence label measures the source-backed evidence trail. AI-scaffolded scores remain tentative until human review.

Claim confidence 16/20

14 verified linked claims

Source quality 14/18

Best source per verified claim, weighted by institutional reliability

Direct axis-specific claims 14/18

14 direct claims across 14 active components

Dispute load 12/12

0 disputed claims on this entity

Recency 10/10

Newest accepted timestamp: May 13, 2026

Reviewer status 7/12

Human-reviewed components score higher than AI scaffolding

Component coverage 10/10

14/14 evidence-bearing components have direct support

Evidence State

Profile stateAI draft / human-pending

VerificationUnverified

ConfidenceHigh confidence (AI)

ThoroughnessDeveloped (AI)

Correction routeUse “Challenge this rating” for factual errors, missing counterevidence, source problems, or calculation mistakes.

Company responseCompany representatives can submit source-backed corrections; payment never changes scores or reviewer authority.

Claims and Sources

Claims are the evidence record. Each claim needs a source link, axis category, status, confidence level, and timestamp before it can support a score.

* Tentative scaffolding score. Not human-checked or final.

1Root Insurance's public materials identify its ownership form, parent relationship, nonprofit status, mutual structure, or shareholder-controlled insurance model.

Ownership Verified High confidence Human-reviewed May 12, 2026

Root InsuranceGeneral web source · 58%

2Root Insurance's public record shows whether binding control sits with policyholders, members, nonprofit boards, parent companies, public shareholders, or executives.

Governance Verified High confidence Human-reviewed May 12, 2026

Root InsuranceGeneral web source · 58%

3Root Insurance's insurance model collects premiums or dues and controls how much value returns as claims, benefits, reserves, dividends, surplus, or shareholder/investor return.

Extraction Verified High confidence Human-reviewed May 12, 2026

Root InsuranceGeneral web source · 58%

4Root Insurance's public structure does not show ordinary workers holding binding democratic control over insurance operations.

Labor Sovereignty Verified Medium confidence Human-reviewed May 12, 2026

Root InsuranceGeneral web source · 58%

5Root Insurance's coverage model affects people during job loss, disability, illness, accidents, housing instability, or other periods when insurance access and continuity matter.

Solidarity Unemployed Verified Medium confidence Human-reviewed May 12, 2026

Root SEC filingsPrimary institutional record · 90%

6Root Insurance's product is built around bearing covered losses, but the public record also shows policy terms, eligibility, exclusions, or managed-care constraints that determine how much loss the insurer actually absorbs.

Loss Bearing Fidelity Verified High confidence Human-reviewed May 12, 2026

Root InsuranceGeneral web source · 58%

7Root Insurance competes in insurance markets where pricing, underwriting, networks, formularies, claims handling, cancellation, and renewal practices determine ordinary consumer power.

Market Conduct Verified High confidence Human-reviewed May 12, 2026

Root SEC filingsPrimary institutional record · 90%

8Root Insurance's core product can protect against catastrophic financial loss, but coverage integrity depends on claim payment, network adequacy, exclusions, and transparent policy terms.

Product Integrity Verified High confidence Human-reviewed May 12, 2026

Root InsuranceGeneral web source · 58%

9Root Insurance's scale and category make its underwriting, care-management, claims, or investment decisions consequential for households, workers, patients, pets, or public programs.

Scale Integrity Verified High confidence Human-reviewed May 12, 2026

Root SEC filingsPrimary institutional record · 90%

10Root Insurance's public record makes Good Deal relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Good Deal Verified Medium confidence Human-reviewed May 12, 2026

Root SEC filingsPrimary institutional record · 90%

11Root Insurance's public record makes Subscription Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Subscription Capture Verified Medium confidence Human-reviewed May 12, 2026

Root SEC filingsPrimary institutional record · 90%

12Root Insurance's public record makes Accountability Opacity relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Accountability Opacity Verified Medium confidence Human-reviewed May 12, 2026

Root SEC filingsPrimary institutional record · 90%

13Root Insurance's public record makes Identity Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Identity Capture Verified Medium confidence Human-reviewed May 12, 2026

Root SEC filingsPrimary institutional record · 90%

14Root Insurance's public record makes Surveillance Capture relevant to the evaluation through mutual/member governance, nonprofit mission, public-program policy, recurring premiums, policy complexity, healthcare data, marketing identity, or claims/care gatekeeping.

Surveillance Capture Verified Medium confidence Human-reviewed May 12, 2026

Root SEC filingsPrimary institutional record · 90%

Alternatives

Competitors

AGOOD51 Co-operative Insurance Companies member-owned regional mutual insurer · same market BQUALIFIED47 Common Ground Healthcare Cooperative nonprofit member-governed health-insurance cooperative · same market BQUALIFIED47 Community Health Options nonprofit member-led health-insurance plan · same market BQUALIFIED47 Mountain Health CO-OP nonprofit member-governed health-insurance cooperative · same market BQUALIFIED45 NJM Insurance Group regional mutual auto, home, renters, and umbrella insurer · same market BQUALIFIED45 PEMCO Insurance regional mutual auto, home, and renters insurer · same market BQUALIFIED42 Amica Mutual mutual insurance company · same market CPERFORMATIVE41 Shelter Insurance regional mutual property, casualty, and life insurer · same market

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