Etude
Get appointed

The story of Etude.

Etude Specialty Insurance Company is an E&S carrier. We back every policy with more than $100 million in surplus.

View insurance products
Etude’s New York office at Bryant Park Studios
New YorkBryant Park Studios · 80 West 40th Street

Our technology
makes us fast.

We take submissions directly or through partner systems, launch embedded products at the point of sale, and resolve claims quickly, from routine to complex.

Commercial property, viewed in perspective A flat-roof commercial building sits inside a parcel boundary. Roof seams, windows, and a loading door follow the same perspective. Three callouts identify the parcel, roof, and wall construction. PARCEL BOUNDARY ROOF GEOMETRY CONSTRUCTION PROPERTY INTELLIGENCEPARCEL / ROOF / CONSTRUCTION
Property intelligence / Illustrative view
Property analysis / Illustrative workflow
Underwriting expertise / Illustrative workflow

Tailored coverage.

Integration and capital let us tailor coverage. Underwriting, actuarial, forms, and claims all sit in-house, and we write on our own capital, so we can shape coverage, pricing, and policy language around each program. When a partner brings us a new opportunity, we can evaluate it and bring it to market quickly.

Our leadership.

Our leadership team has decades of experience in insurance and technology and also owns large real estate portfolios. Because we buy insurance on hundreds of structures ourselves, we know what policyholders expect from a carrier: clear terms, quick answers, and claims paid as promised.

Steven Stein

Steven Stein

Founder and CEO

Dan Rossen

Dan Rossen

Chief Insurance Officer
President, Etude Specialty Insurance Company

Nate Kinet

Nate Kinet

Chief Revenue Officer

Melanie Carlson

Head Actuary

Oscar Garcia

Oscar Garcia

Head of Claims

Scott Griffin

Scott Griffin

Chief Technology Officer

Jenny Hammond

Jenny Hammond

Senior Vice President of Marketing

Cory Feinberg

Cory Feinberg

Chief of Staff

Talk with
Etude.

Talk with our team about coverage and new insurance opportunities.

Contact Etude →
The Austin office at 804 Congress Avenue, the 1897 Bosche-Hogg Building

The story of Etude.

An E&S carrier.

Etude Specialty is an E&S carrier built for speed and tailored coverage. We back every policy with more than $100 million in surplus.

Fast decisions.

Technology makes us fast. We launch embedded products at the point of sale and resolve claims quickly, from routine to complex.

Tailored coverage.

Underwriting, actuarial, forms, and claims all sit in-house, and we write on our own capital. We can shape coverage, pricing, and policy language around each product.

Specialist underwriting.

Specialist underwriters lead each line of business. They understand the risks they write and work directly with brokers and partners.

Our leadership.

Our leadership team has decades of experience in insurance and technology and also owns large real estate portfolios. Because we buy insurance on hundreds of structures ourselves, we know what policyholders expect from a carrier: clear terms, quick answers, and claims paid as promised.

Steven Stein, Founder and CEO of Etude Capital

Steven founded Etude in 2012 and has led it as President since, building it across self-storage real estate, insurance and industrials. In 2021 he launched Etude's commercial insurance line, which he runs as CEO from Austin.

LinkedIn

Steven Stein

Founder and CEO

Nate Kinet, Chief Revenue Officer of Etude Capital

Nate leads sales, customer success and partnerships for the insurance business, which he joined in 2021. Before Etude he was Chief Revenue Officer at Sure and ran North American sales for Trustpilot out of New York and Denver.

LinkedIn

Nate Kinet

Chief Revenue Officer

Dan Rossen, Chief Insurance Officer of Etude Capital

Dan has spent 25 years in commercial property as a broker, a founder and an underwriter. He founded the wholesale broker RMC2 and sold it to Wells Fargo, led Small Commercial Excess & Surplus at The Hartford, and launched the commercial P&C unit at ICW Group before joining Etude.

LinkedIn

Dan Rossen

Chief Insurance Officer

Scott Griffin, Chief Technology Officer of Etude Capital

Scott leads product and technology. He was VP and Head of Product at Storable, where his teams ran SpareFoot, SiteLink and storEDGE, and earlier led product at Ziff Davis, Offers.com and Trilogy in Austin.

LinkedIn

Scott Griffin

Chief Technology Officer

Cory Feinberg, Chief of Staff at Etude Capital

Cory joined in 2022 and has run operations, then product management, and now the office of the CEO. Before Etude he spent four years at Accenture in Austin as a strategy consultant.

LinkedIn

Cory Feinberg

Chief of Staff

Jenny Hammond, Senior Vice President of Marketing at Etude Capital

Jenny leads marketing for Etude across the company's businesses. With more than 25 years in the insurance industry, she sets the growth strategy, directs brand, content, digital, social and events, and shapes the customer experience that drives engagement.

LinkedIn

Jenny Hammond

Senior Vice President, Marketing

Our history.

2012

Steven Stein founds Etude with $30,000 of personal capital while in high school. The first strategy is liquidation arbitrage: buying business development companies and closed-end funds trading below the value of their holdings.

2021

Etude moves into insurance, founding its coverage and compliance business for the self-storage industry alongside Etude Reinsurance.

2025

The insurance business passes 3,000 insured facilities and launches a nationwide commercial property and general liability offering.

2026

Etude forms Etude Specialty Insurance Company, a Nebraska-domiciled non-admitted carrier capitalized with more than $100 million, to underwrite new insurance products.

Our offices.

The New York office on Bryant Park at West 40th Street

New York

80 West 40th Street, New York, NY 10018

Bryant Park Studios, built in 1901 by the painter Abraham Archibald Anderson, with tall north-facing windows so artists had steady light to work by. It was made for people building a craft. It still is.

804 Congress Avenue, the Austin office

Austin

804 Congress Avenue, Suite 400, Austin, TX 78701

The Bosche-Hogg Building, built in 1897 in the boom that followed the railroad. Six stories of brick on the avenue that runs up to the Capitol, in the Congress Avenue Historic District.