2022年12月16日

|美国保险市场和保险业务授权保险公司波利,嵌入式保险专家打算运行试点独立代理sub-producers 2023年,其创始人对保险业务。“我们正在研究一些项目,允许其他独立代理利用嵌入式保险过程中,”Jeffrey Mongeon表示(如图),波利的载体和创始人的关系。“我猜我真实的感觉是,我相信独立代理提供一个完美的客户体验,但缺乏技术确实困难的部分,就是在客户面前。“波利,这将从2022年初的DealerPolicy为了“更好的吸引消费者观众”,与汽车经销商提供汽车保险在销售点。它发起了一项房地产平台今年上半年的早些时候,纽约抢购布伦克霍夫独立机构和地区的保险集团。波利已经计划增加到25当地代理“其他国家”在未来的一年,该公司8月说。计划独立经纪人目前由一个飞行员在2023年发射的“少数”sub-producers,根据Mongeon,涉及“嵌入式工具”。业务的重点仍将捆绑销售汽车保险点,Mongeon说。成立于2012年,波利,描述为一个insurtech,推出DealerPolicy七年前。高盛(Goldman Sachs)的支持,导致投资者在其2021系列C一轮融资1.1亿美元,而8月与Assurant给3000名经销商。我们兴奋地宣布我们的新伙伴关系与波利,汽车的主要保险市场零售! Read more on how this collaboration will help your dealership drive greater revenue, while providing an even better customer experience: https://t.co/XTCKhcsdeW pic.twitter.com/iPKCtWbrIM Embedded insurance Embedded insurance is “becoming commonplace, and it’s something that the consumer is more and more ready for”, Mongeon said. Recent research by Polly found that 73% of consumers wanted to purchase insurance when buying their car at a dealership, up on “50% five years ago”, Mongeon said. Up to 36% of global homeowners, landlords, and renters could switch to embedded insurance sources based on where they might wish to obtain cover “in the future”, a report by business Cover Genius has said. An overwhelming majority, or 98%, of short-term rental hosts said they wanted booking sites to offer home or landlord cover in the embedded insurance business’s survey. The consumer is becoming more “programmed” to accept insurance at point of sale, according to Mongeon. Getting embedded insurance right requires “specific industry knowledge”, he said, and this has proven to be a “complicated equation”. “When you talk about successful embedded insurance over the past 10 years, the ones that stand out to me are things like insuring your television, insuring your furniture, insuring your trip – I would call them ancillary to the product,” Mongeon said. “When you’re talking about … products like homeowners’, like auto, like business owners’, there’s just far more complexity.” “Adjacent” vs embedded Embedded insurance products “cannot be jammed down somebody’s throat”, according to Mongeon. and not all embedded insurance is necessarily created equal. “There’s a misnomer, that you can just put insurance anywhere and people will buy it; that’s a brand impression and nobody buys in certain spots,” he said. Some insurance offerings are less embedded, more “adjacent”, according to the founder. “Think of Disney World – embedded insurance is like ‘exiting through the gift shop’ when you leave the amusement park; to get to the parking lot you must pass through the gift shop and see all the wonderful products,” he said. “You don’t need to buy, but when you see the quality products, you probably will.” Adjacent insurance, on the other hand, is “like having the gift shop located next to the exit with a clerk dressed like Mickey Mouse waving you in,” he said. “You might go into the gift shop because you see the value, but you might just walk by because you don’t want to take the detour.” To crack the auto dealer market, Polly took a “crawl before you walk … before you run .. before you sprint” approach, Mongeon said, and it intends to continue with this as it builds out home. “We’re not just going out and blasting it out there,” he said. “We’re getting it right, setting our foundation and then we’re going to grow it – we’re going to grow responsibly.” Related stories: