Damage, loss, theft, delivery problems and unclear resolution all affect conversion and customer trust. Traditional policies introduce friction precisely where the journey should be simplest.
Digital platforms · E-commerce & Retail
Turn checkout uncertainty into trust and measurable value.
Gangkhar enables marketplaces and retailers to place clear, relevant protection directly inside purchase and post-purchase journeys without creating a separate insurance operation.
Online retailers
Marketplaces
DTC and subscription brands
High-value product sellers
Cross-border commerce
Retail technology platforms
The context
In e-commerce, protection is part of the product experience.
Gangkhar attaches protection to the product or transaction and coordinates the complete lifecycle behind the checkout.
The challenge
Bring protection into the purchase experience.
Customer hesitation around delivery and damage
Manual post-purchase resolution
Fragmented warranty and insurance providers
Static products disconnected from the item
Unpredictable support and dispute costs
Different requirements across categories and markets
The journey
From checkout to fulfilment and after-sales support.
Product discovery
Explain available protection clearly before the customer reaches checkout.
Checkout
Attach an included or optional product to the item or transaction.
Fulfilment
Maintain coverage through shipment, delivery and activation.
Post-purchase service
Handle cancellation, changes, FNOL and claims through connected workflows.
Coverage opportunities
Products shaped around the real risk context.
Illustrative product opportunities are configured with the authorised insurer, MGA or capacity provider for each market.
Product damage and loss
Theft and accidental damage
Delivery protection
Extended protection and warranty
Return and purchase protection
High-value and fragile-item cover
How Gangkhar solves it
Three connected layers. One governed operation.
Product intelligence, agentic execution and live optimisation work on the same infrastructure rather than as disconnected tools.
Sherpa+
Connects checkout-level protection with carriers, policies, claims, compliance, premium collection and settlement.
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Sherpa+Mesh
Runs policy changes, cancellations, FNOL, evidence checks and claims servicing against live product rules.
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Sherpa+Lens
Optimises price, eligibility, placement and attachment using product, basket, customer and portfolio signals.
Explore Sherpa+LensOperating model
Clear roles. Configurable controls. Full traceability.
Protection is attached to the relevant product, basket or transaction.
The retailer owns the purchase experience.
Gangkhar orchestrates insurance lifecycle and partner operations.
Products can vary by category, value, geography and fulfilment model.
Business impact
Support shoppers beyond the transaction.
For the commerce platform
- Higher customer confidence
- New revenue per protected transaction
- Improved checkout conversion
- Reduced support and dispute burden
- Stronger differentiation
- Scalable cross-border protection
For shoppers
- Clear protection at purchase
- No redirects or duplicate onboarding
- Simpler post-purchase support
- Faster resolution when something goes wrong
FAQ
Questions about this Use Case.
Can protection be included automatically or offered as an option?
Both structures are possible when permitted. The programme design determines whether protection is included, optional, subscription-based or activated after purchase.
Can products vary by item category?
Yes. Coverage, limits, eligibility and price can be configured by category, item value, market and other approved attributes.
What happens when an order is cancelled?
Policy cancellation and premium adjustments can be coordinated automatically with the underlying commerce event.
Can marketplaces support multiple sellers?
Yes. The operating model can account for seller, product, order and market context while preserving a consistent customer experience.
Terms used on this page
- FNOL
- First Notice of Loss: the first notification that a loss or claim has occurred.
- DTC
- Direct to Consumer: a business model that sells directly to the end customer.
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