Dividend Power Score
A single, comprehensive score designed to measure the true strength of a company’s dividend.
This score combines three essential pillars of dividend quality:
Consistency – Measures how reliable the dividend has been over time, focusing on payment history, stability, and the absence of cuts or suspensions.
Payability – Assesses the company’s financial ability to sustain its dividend, taking into account cash flow, earnings coverage, balance sheet strength, and overall financial health.
Growth – Evaluates the long-term growth of both the dividend and the company’s share price, highlighting businesses that consistently increase payouts while creating shareholder value.
Higher scores identify companies that have historically delivered dependable income alongside sustained dividend growth and long-term capital appreciation.
Company Overview
InsuraGuest Technologies Inc. is a U.S.-based insurance technology company operating in the hospitality, travel, and short-term lodging industries. The company provides a proprietary software-as-a-service (SaaS) platform that enables hotels, resorts, and lodging operators to offer embedded guest insurance products, primarily covering accidental damage, theft, and certain liability events during a guest’s stay. The platform is designed to integrate directly into hotel property management systems, allowing insurance offerings to be presented at check-in or booking without disrupting existing workflows.
The company’s core revenue driver is the distribution of guest protection policies through hospitality partners, generating revenue from policy premiums and related service fees. InsuraGuest is positioned as a niche provider focused exclusively on hospitality-specific risk coverage, differentiating itself from traditional travel insurance providers by emphasizing property protection and operational risk mitigation for hotel operators. InsuraGuest Technologies Inc. was founded in the mid-2010s and became publicly traded on the OTC Markets under the ticker ISGIF, evolving from a concept-stage insurtech company into a commercial platform with active hotel deployments.
Business Operations
InsuraGuest Technologies Inc. operates primarily through its wholly owned subsidiary InsuraGuest, Inc., which manages the company’s technology platform, insurance program design, and hospitality integrations. The company reports a single operating segment focused on insurance technology and services for the lodging industry. Revenue is generated through agreements with insurance carriers and hospitality partners, where InsuraGuest facilitates policy issuance, digital enrollment, and claims administration support.
Operations are concentrated in the United States, with services delivered digitally to hospitality clients. The company does not underwrite insurance risk itself; instead, it partners with licensed insurance carriers while retaining control over the customer interface, platform technology, and program structure. Public disclosures indicate no material manufacturing assets, and capital expenditures are primarily related to software development, platform maintenance, and sales and marketing activities. Information regarding large-scale joint ventures is limited; data inconclusive based on available public sources.
Strategic Position & Investments
InsuraGuest’s strategic direction centers on expanding adoption of embedded insurance within the hospitality sector, particularly among independent hotels, boutique properties, and alternative lodging providers. Growth initiatives disclosed in public filings emphasize increasing hotel integrations, enhancing platform automation, and broadening the range of insurable events covered under guest protection programs. The company positions itself to benefit from rising demand for ancillary revenue streams among hotel operators and increased focus on asset protection.
Public disclosures do not indicate significant completed acquisitions as of the most recent reporting period. The company has stated intentions to pursue strategic partnerships with insurance carriers, property management system providers, and hospitality technology vendors to scale distribution. Any investments outside its core insurance platform or ownership of notable portfolio companies remain unclear; data inconclusive based on available public sources.
Geographic Footprint
InsuraGuest Technologies Inc. is headquartered in the United States, with its primary operational and commercial focus also in the United States hospitality market. The company’s platform supports hotels and lodging operators across multiple U.S. states, leveraging digital delivery rather than physical offices to serve clients nationwide.
While the technology platform is theoretically scalable to international markets, public filings and investor disclosures indicate that current revenue and active deployments are predominantly domestic. There is limited verified information confirming material operations, licensed programs, or revenue generation outside North America as of the latest available public data.
Leadership & Governance
InsuraGuest Technologies Inc. is led by its founder, who continues to play a central role in shaping the company’s strategy and product vision. Leadership has emphasized disciplined growth, capital efficiency, and the creation of repeatable, technology-driven revenue streams within a narrowly defined industry vertical. Corporate governance follows standard OTC public company practices, with oversight provided by a board of directors.
Key executives include:
- Steven Fox – Chief Executive Officer and President
- Steven Fox – Chairman of the Board
Public disclosures identify Steven Fox as the primary executive and strategic decision-maker. Information regarding additional named executive officers or independent directors is limited or inconsistently reported across public sources; data inconclusive based on available public sources.