Is the U.S. insurance market ready to pay you?

U.S. carrier buying cycles run 12 to 18 months. Companies that arrive cold spend that long finding out whether the market even wants them. This scores it in 3 minutes, across the four things that decide whether foreign entrants land or stall. Honest results, including "not yet."

14 questionsUnder 3 minutesFree · no call required

From the team convening the U.S. insurance ecosystem in Columbus, Ohio, one of the densest carrier-headquarters clusters in the country. Currently guiding market entrants from New Zealand, the UK, and Europe.

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Your U.S. Market Readiness Score

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U.S. Market Readiness Report: Company

Prepared by Chris Luiz, Scout InsurTech · Columbus, Ohio · July 2026

Dimension	Score	Read

Stage	Basis

What to ask of your board

A defined budget covering 18 months, approved up front. Quarter-to-quarter funding kills U.S. efforts around month nine.
Written acknowledgement of the sales cycle. First carrier contracts commonly take 12 to 18 months; measure year one in relationships and pipeline stage, and set revenue expectations against that timeline.
An expectation that home-market traction will slip unless hires cover the founder's divided attention.
Support for founder travel or relocation, plus budget for well-networked local capacity alongside it: a U.S. head of sales, or an advisor who already holds the relationships.
A shared understanding that U.S. insurance runs on relationships, and relationships develop over time. Presence and patience are line items.

Methodology: 12 scored questions (0 to 3) across four dimensions, 36 maximum. Readiness is treated as a chain: a committed budget, a named U.S. owner, and leadership alignment act as gates, and a zero on any of them caps the stage regardless of total, because U.S. entry fails on single missing conditions. Self-assessments run optimistic. These answers are the starting point a validation process pressure-tests against real buyer reaction.

We tell a meaningful share of companies "not yet." An honest no now costs less than a slow one in-market. Self-assessments run optimistic, which is why real buyer reaction gets the final word.