Embedded Protection
Infrastructure for MGAs & Capacity Providers
Gangkhar enables insurers to deploy, distribute, and optimize protection through digital platforms, without rebuilding products, operations, or distribution infrastructure for every new partner.
Embedded Insurance for
E-commerce & Online Retail Platforms
Activate capacity efficiently inside digital ecosystems.
The OPPORTUNITY
For MGAs and capacity providers, the opportunity is not just to create insurance products. It is to activate capacity efficiently inside digital ecosystems where distribution moves faster, partner requirements vary, and operational complexity grows quickly.
Gangkhar helps MGAs and capacity partners turn underwriting appetite and product capacity into embedded distribution at scale — with the infrastructure needed to launch faster, operate with more control, and optimize performance over time.
The Challenge
Scaling embedded distribution is rarely straightforward.
Every digital platform has its own user journey, integration requirements, product logic, geographic footprint, regulatory and compliance needs, and operational expectations around servicing and claims. That creates friction for MGAs and capacity partners trying to grow efficiently.
COMMON CHALLENGES
- Rebuilding distribution logic partner by partner
- Slow deployment cycles across multiple platform opportunities
- Difficulty structuring products for different digital use cases
- Fragmented compliance, KYC, AML, and servicing requirements across markets
- Limited real-time visibility into partner performance and portfolio behavior
- Operational strain when scaling beyond a few custom integrations
THE CORE GAP
- MGAs and capacity providers have product flexibility and underwriting appetite
- They have commercial ambition and balance sheet strength
- But lack the infrastructure layer for repeatable embedded deployment
- Each opportunity becomes a separate build — slow, costly, hard to scale
- Gangkhar makes embedded distribution modular, scalable, and commercially manageable
Why Gangkhar Works
Embedded insurance rewards speed, adaptability, and operational discipline.
Instead of treating each opportunity as a separate build, Gangkhar makes embedded distribution more modular, scalable, and commercially manageable — turning it from a series of custom projects into an operational growth model.
What this makes possible:
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Structure products for platform-driven distribution
Coordinate policy, claims, and compliance workflows across operating environments
Adjust pricing, configuration, and offer logic as data comes in
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Deploy across multiple digital partners without restarting from zero each time
Monitor live performance at product, partner, and portfolio level
Expand into new geographies with more confidence and less friction
What Gangkhar Enables
Activate embedded protection across a broad range of digital environments.
No fragmented rollout model. No repeated operational rebuild for every new partner. No need to scale embedded insurance through disconnected manual processes.
E-commerce platforms
Fintech and payments ecosystems
Mobility and delivery platforms
Travel and booking platforms
Health and wellness platforms
Vertical SaaS environments
Gangkhar supports MGAs & capacity providers with:
API-first deployment into digital distribution channels
Flexible product structuring for different embedded use cases
Support for MGA and captive-based operating models where relevant
Access to global reinsurance capacity
mbedded KYC, AML, and compliance workflows
Product, partner, and portfolio analytics in real time
More scalable coordination across policies, claims, and servicing flows
Checkout-level insurance embedding
Protection attached directly to each transaction or product.
Multi-carrier orchestration
No dependency on a single insurer. Flexibility by market and product category.
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AI-optimized pricing
Pricing adapts by product type, value, volume, and user behavior.
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Automated policy lifecycle
Policy creation, attachment, updates, and cancellation handled automatically.
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Claims orchestration
Faster claims handling improves post-purchase experience and trust.
Regulatory and market compliance
Insurance adapts automatically across countries and regions.
All managed through one API and one control layer.
How Gangkhar solves e-commerce insurance end-to-end
Gangkhar provides a fully orchestrated insurance infrastructure tailored for e-commerce platforms:
Automated policy lifecycle
Policy creation, attachment, updates, and cancellation handled automatically.
Claims orchestration
Faster claims handling improves post-purchase experience and trust.
Regulatory and market compliance
Insurance adapts automatically across countries and regions.
A fully orchestrated infrastructure layer for embedded distribution.
A fully orchestrated infrastructure layer for MGA-led and capacity-led embedded insurance deployment.
Sherpa+
CORE INFRAESTRUCTURE
Connects products, policies, claims, compliance, and operational workflows through one orchestration layer designed for embedded insurance execution.
Sherpa+Lens
AI - OPTIMIZATION
Improves pricing, configuration, attachment, and portfolio performance using real-time data from transactions, user behavior, partner activity, and live distribution outcomes.
Global-ready
Scalable Deployment
Multi-country expansion, flexible settlement structures, and scalable deployment across multiple product lines, partners, and digital channels.
End-to-End Infrastructure
What it means in practice.
✓ Faster deployment into embedded channels
✓ Lower operational complexity
✓ Better reuse of product and underwriting structures across partners
✓ More scalable multi-market growth
✓Better visibility into live performance and portfolio behavior
​✓ Greater flexibility in how capacity is deployed across digital ecosystems
FOR THE INSURER
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FOR PLATFORM PARTNERS
Faster launches
Easier integration processes
Better operational coordination
More adaptable protection design for different user journeys and platform models
BUSINESS IMPACT
