Strategy and Solutions
The client was a fast-growing Managing General Agent (MGA) specializing in niche commercial insurance products for travel, logistics, and cross-border commerce businesses. Rather than relying solely on direct-to-customer distribution, the MGA’s growth strategy focused on embedding insurance products directly into partner platforms such as booking systems, freight management tools, and travel marketplaces.
Demand from partners was strong, but the MGA’s existing systems were not built for embedded distribution at scale. Product configuration was manual, integrations were bespoke and slow, and regulatory compliance varied significantly across regions. To scale partner-led growth without increasing operational complexity or compliance risk, the MGA partnered with Zymr to build a cloud-native, API-driven embedded insurance marketplace.
Despite strong partner interest, the MGA struggled to operationalize embedded insurance as a scalable distribution model. Each new partner integration required custom development and lengthy onboarding, limiting how quickly new partnerships could go live. Insurance products were not modular or API-configurable, making it difficult to tailor coverage, pricing, or eligibility by partner or region without backend changes.
Operating across multiple countries introduced significant compliance complexity, as disclosures, pricing rules, policy wording, and reporting requirements varied by jurisdiction. Once policies were sold through partners, the MGA lacked real-time visibility into conversion rates, premium volumes, and partner performance.
As demand increased, manual policy issuance, reconciliation, and reporting created operational bottlenecks that threatened growth. The MGA needed a platform that could enable rapid partner onboarding, enforce regional compliance, and provide clear visibility into embedded distribution performance.
Zymr helped the MGA transform embedded insurance from a bespoke, manual integration effort into a scalable growth engine. By delivering an API-driven marketplace with built-in compliance, analytics, and automation, the MGA rapidly expanded partner-led distribution while maintaining operational control and regulatory confidence.
This case demonstrates how embedded insurance platforms can unlock new revenue channels, accelerate partner ecosystems, and future-proof MGA operations in a multi-region environment.
Zymr designed and delivered a cloud-based, API-driven embedded insurance marketplace purpose-built for partner-led distribution, regulatory flexibility, and operational scalability.
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