James Albert

Jim Albert is an insurance-technology entrepreneur best known as the co-founder and chairman of Neptune Flood, the private flood-insurance company he started in St. Petersburg, Florida, in 2016 alongside insurance and technology veteran Bill Martin. Albert built Neptune around a thesis that data analytics, AI-driven underwriting, and "extreme ease of use" could make private flood insurance dramatically more accessible than the traditional National Flood Insurance Program (NFIP) process. He initially led the company as CEO before transitioning the role to Trevor Burgess (who became president and CEO around 2019) and moving into the chairman seat, where he remains focused on strategy and the company's technology platform.

Before Neptune, Albert served as Chief Information Officer of Bankers Insurance, a Florida-based insurer, where he led the technology and data-analytics organization and worked on both a "Write Your Own" (WYO) NFIP flood product and an early private-flood proof of concept — the direct precursor to the Neptune model. Earlier in his career he was President of the national technology-consulting firm Idea Integration, served as managing director over several technology brands in the UK and Europe, and held multiple leadership roles at AT&T and Bell Labs.

Albert earned a B.S. in Electrical Engineering from Vanderbilt University and pursued additional management, leadership, and finance education at Cornell University, the Wharton School, and INSEAD. He is an active speaker and podcast guest on insurtech topics (FNO: InsureTech, The Future of Insurance, The InsureTech Geek, and Insurtech Insights USA, among others).

Under Albert and Burgess, Neptune grew into what the company describes as the fastest-growing private flood insurer in the U.S., writing business across most states. In October 2025 the business went public on the NYSE as Neptune Insurance Holdings, pricing its IPO at $20 per share, raising roughly $368 million, and reaching a valuation of around $3 billion; Albert participated as a selling shareholder in the offering, underscoring his co-founder ownership stake.

• Invests and operates primarily at the seed / angel stage in InsurTech and FinTech, reflecting his own career building an insurtech from scratch.
• Backs companies applying data analytics, AI, and automation to legacy insurance and financial workflows — the core idea behind Neptune, where technology replaced a slow, paper-heavy purchase process.
• Places heavy weight on ease of use and distribution ("how do you get people to buy a product they don't want?" is a recurring theme in his talks) — i.e., product simplicity and go-to-market as much as underwriting.
• Operator-founder profile: his most concrete "investment" is his own angel/founder stake in Neptune Flood (angel round, 2018), so he evaluates opportunities through a hands-on builder's lens rather than as a pure financial allocator.