Late last year, the team at Metromile, a San Francisco-based provider of usage-based insurance, met to discuss the company’s evolving identity. In September, Metromile had acquired Mosaic Insurance, which officially turned it from an MGA into a full-fledged insurance carrier, licensed in all 50 states. A long journey had reached its apex. “By definition -- by the state law -- we are an insurance company now,” says Dan Preston, the company’s CEO, in his office in downtown San Francisco.