Embedded Protection
Infrastructure for Insurers
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
The Challenge
For insurers, the challenge is not product creation. It's distribution.
Digital platforms move fast — their journeys are product-led, API-driven, and commercially performance-oriented. Most insurers still depend on operational structures built for traditional distribution. That creates a structural gap.
What insurers face today
- Long integration cycles with each new distribution partner
- High operational effort to configure products for platform environments
- Fragmented compliance and servicing requirements across jurisdictions
- Limited visibility into real-time performance once products go live
- Difficulty adapting pricing and offer logic to platform behavior
- Cost of repeating deployment work partner by partner
- Insurers have the balance sheet and underwriting capability
- They have the product appetite and market knowledge
- But not the infrastructure to distribute efficiently through modern digital channels
- Each embedded opportunity becomes a custom, one-off project
- Gangkhar bridges that gap
The gap
Why Gangkhar Works for Insurers
Turn embedded distribution from a one-off project into a structured growth channel.
Success in embedded insurance depends on being able to integrate quickly, configure for different user journeys, manage compliance across contexts, monitor performance, and improve attachment over time. Gangkhar gives insurers the infrastructure layer to do exactly that.
What this makes possible:
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Integrate quickly into platform environments
​Manage compliance, servicing, and claims across multiple operating contexts
Improve attachment, conversion, and portfolio quality over time
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Configure products for different user journeys and transaction models
Monitor performance beyond static reporting
Scale across partners without rebuilding from scratch each time
DISTRIBUTION CHANELS
Embedded insurance across a wide range of digital environments.
Gangkhar helps insurers participate where risk, demand, and customer relevance are already built into the platform journey.
E-commerce platforms
Fintech and payments ecosystems
Mobility and delivery platforms
Travel and booking platforms
Health and wellness platforms
Vertical SaaS environments
Gangkhar supports insurers with:
API-first deployment into digital channels
Product orchestration across partners and markets
Policy, claims, and compliance coordination
Faster rollout across multiple embedded distribution opportunities
Real-time visibility into product and partner performance
More flexible configuration for platform-specific use cases
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.
From product availability to actual digital distribution readiness — all through one layer.
Sherpa+
CORE INFRAESTRUCTURE
Connects insurers to digital distribution environments through one orchestration layer for policies, claims, compliance, and operational deployment.
Sherpa+Lens
AI - OPTIMIZATION
Improves pricing, configuration, attachment, and performance using real-time data from transactions, user behavior, platform context, and portfolio outcomes.
Global-ready
Scalable Deployment
Multi-country expansion, flexible settlement structures, and scalable deployment across different platform categories and operating markets.
How Gangkhar Supports Insurers
BUSINESS IMPACT
What it means in practice.
✓ Faster deployment into embebbed chanels
✓ Lower operational complexity
✓ Better reuse of underwritting and product capabilities across partners
✓ More scalable growth through digital distribution
✓ Improved visibility into live product performance
​✓ Improved visibility into live product performance
FOR THE INSURER
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FOR PLATFORM PARTNERS
Faster launches
Easier integration processes
Better coordination across product and operations
More flexible protection design inside the user journey
Insurance becomes easier to deploy inside digital ecosystems — not harder.
