FairShare Insurance

FairShare Insurance is a St Petersburg, Florida-based reinsurer specializing in supplemental and voluntary benefits, redefining group insurance economics.

We design and manage fully voluntary insurance programs for a diverse range of communities – employers, tenants, associations, students, and more – creating a shared value model where surplus premium is returned to the sponsoring organization.

FairShare’s proprietary underwriting participation model enables organizations to earn 100% of underwriting profit without forming a captive insurance company, offering a transparent, zero-risk structure with projected long-term returns of 15-25%. Our innovative approach aligns incentives, reduces fiduciary complexity, and delivers meaningful protection, creating a win-win for all involved.

Founded in 2022, FairShare Insurance leverages a platform-driven strategy, combining strategic program design, modern enrollment, and scalable implementation to deliver consistent, compliant, and high-performing insurance solutions.