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The Operating System for Modern Protection

One platform to launch, operate and optimise embedded insurance.

Gangkhar is the embedded insurance infrastructure that helps digital platforms, carriers and capacity providers bring protection products to market faster, run them more efficiently, and grow them across markets. One AI-native platform for any carrier, any programme and any market, with your policy admin and billing core left in place.

Launching embedded insurance is only the beginning.

Once a product is live, fragmented journeys, manual processing and one-size-fits-all decisions quietly drive up the cost of every case and hold back conversion, retention and collections. The value is won by operating and improving the product every day after launch.

$85M+Gross written premium enabled across live and contracted programmes
20+Insurance schemes supported
4Regions served across the Americas, Europe, the Middle East and Asia Pacific

Source: Gangkhar, 2026.

Launch, operate and optimise on one platform.

01

Launch

Sherpa+

Launch on a reusable product layer

Configure protection products and connect carrier capacity to your digital channels through one governed integration. A recent embedded programme completed its technical build in about six weeks once product, carrier and approval inputs were ready.

02

Operate

Sherpa+Mesh

Agentic operations across the whole journey

AI agents generate notices and documents, orchestrate payments and reminders, carry every case through to completion and escalate only the exceptions. Cost per case falls, cycle times shorten and quality holds steady.

03

Optimise

Sherpa+Lens

Decisions that sharpen with every outcome

Machine learning segments your book and finds the price, cover and payment terms that suit each customer, lifting conversion, retention, collections and margin. Every result feeds the next decision.

Protection inside the journeys people already use.

01

Mobility & transport

A mobility platform embeds cover directly into the ride and vehicle journey. Policies issue, service and pay out inside the app, with claims handled touchless end to end.

02

Banking & bancassurance

A bank offers protection inside its app across several markets. One integration carries the programme country to country, so each new market launches from the last one.

03

Marketplaces & e-commerce

A marketplace attaches the right cover at checkout without changing the buying experience. Attachment climbs while the product runs, tuned on live results.

04

Telco & connectivity

An operator bundles device and lifestyle protection into the mobile journey, multi-product and multi-carrier, priced for each customer at the moment of sale.

Productivity and commercial performance, together.

Productivity

Execute faster, with less manual work

  • Lower cost per case
  • Shorter cycle time
  • Greater consistency
  • Less friction in collections

Commercial performance

Convert, retain and protect margin

  • Higher conversion
  • Better retention
  • Cross-sell and bundling
  • Stronger collections and margin
Control stays with youScale your protection business while you keep full command of product, risk and compliance.
AICPA SOC 2 sealSOC 2 Type II · Unqualified opinionGDPR-aligned controlsConfigurable data residency

Where to start

Begin with a Business Journey Discovery.

Map your highest-value protection journeys, then scope a first programme with our team.
Request a meeting

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