Understanding Micromobility Insurance with Brandon Schuh, Senior VP & Head of Specialty Insurance, Christensen Group Insurance
In this episode of the Micromobility Podcast, Prabin Joel Jones speaks with Brandon Schuh, Senior VP & Head of Specialty Insurance at Christensen Group, about the evolving role of insurance in the micromobility industry and why it has become a critical piece of the ecosystem.
Brandon shares his perspective from working closely with operators across the space, breaking down how insurance has shifted from a barrier to a strategic enabler for micromobility companies. The conversation explores the early challenges insurers faced in understanding the category, and how data, improved vehicle durability, and operational maturity have helped reshape risk models.
They discuss how insurance impacts unit economics, why claims data is one of the most valuable assets operators have, and how better alignment between cities, operators, and insurers can unlock more sustainable growth.
The episode also dives into common misconceptions around risk, how insurers evaluate different vehicle types, and what operators can do to reduce costs while improving safety outcomes.
Topics covered:
• Why insurance is critical to the growth of micromobility
• Early challenges insurers faced with e scooters and new mobility models
• How data has improved underwriting and risk assessment
• The relationship between safety, operations, and insurance costs
• Why durability and vehicle design matter more than ever
• Common misconceptions about micromobility risk
• How claims data shapes pricing and coverage decisions
• The role of insurers in working with cities and regulators
• Differences in insuring scooters, bikes, and emerging vehicle types
• How operators can lower premiums through better practices
• The link between insurance and long term profitability
• What the future of micromobility insurance could look like