Enabling the sharing economy


The peer-to-peer economy has disrupted deep tracts of the mainstream economy.

Millions of people are now using it to provide a secondary, or even primary, income. For example, home-sharing websites like Airbnb, and Home Exchange now allow people to make money by sharing their homes.

GUARDHOG was set up by a team of experts in home-sharing and insurance, to fill the gaps that are not covered by traditional insurance when someone shares their home.

The company provides data-driven, flexible, pay-per-stay cover for hosts and guests, plus crowd cover for platforms involved in home-sharing.

guardhog gateway portfolio
guard hog founders

The peer-to-peer economy blurs the relationship between private and commercial, for example, a home owner becoming a hotelier “host” for just 6 weeks a year. Making money from home-sharing is a “commercial activity” and is not normally covered by home insurance.


Specialist “host” insurance cover is needed, but only for the days when the home is being rented out.

GUARDHOG clients sync their sharing accounts, so that cover is automatically put in place when, and only when, they share.


Andrew Boldt (Co-Founder) – Previously: Insurance Tailors

Humphrey Bowles (Co-Founder) – Previously: Onefinestay

“We tell our clients, GUARDHOG equals growth. When we met the Insurtech Gateway team, we came to the conclusion that the Gateway equals growth. Put both those things together and you have an exciting looking future.”

Humphrey Bowles, Co-Founder at GUARDHOG

“We believe a seminal value of technology in insurance will be to rebuild the relationship with the policyholder.

GUARDHOG’s elegant solution to the gig and sharing economies is truly ‘customer first’, and is targeting an exponentially growing global market – largely overlooked by incumbent insurers.

The outstanding founders, already have complementary experience and startup successes under their belts. They have proven their ability to innovate and execute new products and new distribution strategies in an industry famous for its reluctance to evolve.”

Richard Chattock, CEO at Insurtech Gateway

We understand that your idea might not be fully formed yet, that you might still be in a full time job or be genuinely stuck with lots of stakeholders breathing down your neck.

For a confidential, exploratory chat with one of our local incubator teams, book a video chat.