Embedded Insurance Infrastructure for Platforms

Embedded insurance for platform vendors.

Vendorvox embeds insurance into platforms like yours — in days, not months. Your vendors get covered in 60 seconds. You earn recurring revenue. We handle everything regulated.

60 seconds · Vendor covered1 day · Pilot liveZero · Regulatory burdenOne · Agreement, every market
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The Protection Gap

Hundreds of millions of vendors. Almost none adequately covered.

Not because they don't want insurance. Because nobody has built the infrastructure to reach them at platform scale — compliantly, instantly, and in a way that doesn't require your platform to become a regulated insurance distributor.

The Regulatory Wall

Every platform that tried to embed insurance hit the same wall.

The moment a platform collects insurance-relevant vendor data, it risks classification as a regulated insurance distributor. That triggers authorisation requirements that no platform wants to build. So nothing gets built. And vendors stay unprotected.

The Economics Problem

Traditional brokers cannot serve this market.

The unit economics of serving a single vendor through conventional channels — a broker, a comparison site, a phone call — cost more than the commission earned. The market exists. The distribution model to reach it profitably has not. Until now.

The Trust Problem

Vendors don't trust insurance they've never heard of.

A cold insurance email from an unknown provider converts at under 3%. A recommendation from the platform a vendor uses every day converts at 20–70%. The distribution advantage is yours. Vendorvox is the infrastructure underneath it.

What Insurance Does For Your Platform

Vendors with insurance stay longer, spend more, and grow faster.

The data is unambiguous. Insurance is not a commodity bolt-on. It is a vendor retention and growth product. Across every platform vertical. Across every market.

2.7×
Vendor Retention Uplift

Insured vendors are 2.7× more likely to remain active on platform twelve months after coverage begins.

+34%
GMV Uplift

Insured vendors generate 34% more gross merchandise value than uninsured peers at the same trading tenure.

68%
Of Vendors Underinsured

Across platform verticals globally. Every uninsured vendor is one incident away from leaving your platform permanently.

4.8★
Vendor NPS

Vendorvox's AI-guided coverage journey achieves a 4.8 out of 5 vendor satisfaction score. Cover vendors thank you for.

60s
Time To Covered

From platform prompt to bound policy. Any language. Any market. No forms. No broker calls. Sixty seconds.

The Embedded Finance Proof Point

Embedded lending infrastructure deployed across the largest platforms in Europe showed vendors with access to embedded financial products generate materially more revenue and churn dramatically less. Insurance is the same category of product — protection instead of capital. The same platform economics. The same retention mechanics. The same compounding revenue effect. The platforms that embedded lending first won. The platforms that embed insurance first will win again.

Speed To Market

Live in days. Not months.

Most embedded insurance projects take 12–18 months. Vendorvox launches a pilot in one day because we have already built everything that usually takes a year. It is ready. You just turn it on.

Day 1

Pilot Live

Define your subdomain. We host the solution at insurance.yourplatform.com. We pre-build vendor risk profiles from public data. No integration required. One message to your vendors. Done.

Week 1

First Vendors Covered

Your first vendors click through and bind policies. Your revenue dashboard updates in real time. Vendorvox handles regulation, underwriting, policy documentation, and vendor support entirely.

Month 3

Full Commercial Scale

API connected. Vendor portal fully embedded. Compliance mandate layer active. Conversion climbing from 20% to 60–70%. Revenue compounding. Your competitors are still in procurement.

Why So Fast

We built everything before you asked. The regulatory structure. The binding authority with specialist carriers across verticals. The public data intelligence pipeline. The AI-guided vendor journey. The claims support infrastructure. The agentic risk monitoring layer. By the time you book a demo, we are weeks away from your first vendor being covered — not months.

How It Works

Your platform earns. Your vendors are protected. You never touch the regulated activity.

01
Step 01

External Intelligence

Vendorvox builds a complete vendor risk profile from public data sources — business registries, trading records, inspection ratings, review signals. Zero platform data used. Zero regulatory exposure created.

02
Step 02

Platform Prompt

A single invitation in your vendor portal. One line. One click. The vendor's intent is captured. Everything regulated moves to Vendorvox, outside your perimeter entirely.

03
Step 03

Vendorvox Journey

The vendor enters our AI-guided journey. Their risk profile is presented in plain language. Coverage gaps identified. A bindable quote in seconds. All regulated activity handled by Vendorvox. 60 seconds to covered.

04
Step 04

Bound and Recurring

Policy live. Confirmation in your vendor portal. Your revenue share begins. Annual renewal automatic. The vendor is permanently protected. The commercial relationship compounds every year.

Built For Every Platform Vertical

Every platform. Every vendor. One infrastructure.

Whether your vendors are restaurant operators, freelancers, gig workers, e-commerce sellers, landlords, or fleet operators — they have insurance needs nobody is currently meeting at platform scale. Vendorvox meets them.

Food & Delivery

Restaurants, dark kitchens, takeaways.

Public liability. Employers liability. Property and equipment. Business interruption. Product liability. Food safety cover. The full package — in 60 seconds.

KEY PLATFORMS — Deliveroo · DoorDash · Wolt · Uber Eats · Just Eat
Fintech & Banking

SME banking customers, business accounts.

Your business banking customers need protection for their business. Vendorvox embeds combined SME cover — liability, property, cyber, professional indemnity — directly into your banking product.

KEY PLATFORMS — Monzo · Starling · Tide · Revolut Business · Bunq
Logistics & Mobility

Couriers, riders, fleet operators.

Parametric per-delivery or per-hour coverage. Activates when the rider logs on. Deducted from earnings automatically. Personal accident. Income protection. Third-party liability.

KEY PLATFORMS — Uber · Stuart · Gophr · Bolt
Commerce & Marketplace

Sellers, makers, independent retailers.

Product liability for sellers. Goods in transit. Seller protection. Stock and contents cover. Every marketplace seller has insurance needs. Almost none are currently met.

KEY PLATFORMS — Etsy · eBay · Amazon · Vinted · Depop
Gig Economy & Talent

Freelancers, contractors, tradespeople.

Professional indemnity. Public liability. Tool and equipment cover. Income protection. The self-employed workforce has been chronically underinsured for decades.

KEY PLATFORMS — Upwork · Bark · Checkatrade · Fiverr · Taskrabbit
Proptech & Services

Landlords, hosts, property managers.

Property owners liability. Contents and buildings. Host protection. Void period cover. Short-let insurance. Every property platform has vendors whose risk exposure changes with every booking.

KEY PLATFORMS — Airbnb · Rightmove · SpareRoom · Taskrabbit
Always-On Vendor Support

Not a quote engine. A full-service insurance partner for every vendor on your platform.

Vendorvox's AI agents and specialist human support team are available 24/7 to answer questions, handle mid-term adjustments, support claims, and ensure every vendor has exactly the coverage they need.

AI Agents — 24/7

Always available. Always accurate.

Our AI agents answer vendor insurance questions in plain language around the clock. Coverage queries. Policy documents. Mid-term changes. Claims guidance. No hold music. No wait times.

Response time < 30 seconds
Human Specialists

Expert support for every size of vendor.

For complex claims or vendors who prefer speaking to a person — our specialist team is available. Former insurance professionals with deep sector knowledge across every vertical.

NPS 4.8 out of 5
Agentic Risk Monitoring

Continuous intelligence. Not annual renewals.

Vendorvox monitors every covered vendor's public risk profile continuously. When something changes that affects coverage, we flag it automatically. No vendor falls through the gap.

Daily monitoring — all vendors

"The Vendorvox agent answered my question at 11pm on a Saturday. I had a claim to make and I needed to know I was covered. It told me exactly what to do in under two minutes. I have never had that from any insurance company."

Restaurant vendor — food delivery platform — London
Claims That Actually Work

When something goes wrong, your vendors need a partner. Not a claims number.

A vendor who makes a successful claim is more loyal to your platform than one who never needed to claim. Because they know that when it counted, the protection was real.

  1. 01

    Vendor reports an incident

    Via our AI agent, app, phone, or email. 24/7. No hold music. A real response within 30 minutes — whether it's a freelancer's first claim or a multi-site operator's complex incident.

  2. 02

    Coverage confirmed instantly

    Our system confirms policy status and coverage scope in real time. The vendor knows within minutes whether their claim is covered. No ambiguity. No anxiety.

  3. 03

    Dedicated claims handler assigned

    A specialist human claims handler takes ownership. One person. One point of contact. Sector knowledge relevant to the vendor's business.

  4. 04

    Fast settlement

    We target settlement within 5 working days for straightforward claims. The vendor gets what they need to keep trading. Not a letter telling them to expect a response in 28 days.

  5. 05

    Outcome feeds the intelligence layer

    Every claim outcome improves our underwriting model for that vendor type and sector. Better data. Better pricing. Better coverage at renewal.

< 30 min · First response time5 days · Average settlement4.9★ · Post-claim vendor satisfaction
Trusted Across The Platform Economy
Food Platform
Fintech Platform
Logistics Platform
Commerce Platform
Gig Platform

"Vendorvox went live on our vendor portal in 48 hours. We sent one message. Within a week we had our first commission payment. We have done nothing since."

Head of Partnerships — food delivery platform

"The compliance mandate framing changed everything. We went from 18% of vendors covered to 64% in six weeks. The revenue is genuinely material now."

Chief Commercial Officer — marketplace platform

Your vendors are underinsured.
You are leaving revenue on the table.

Let's fix both. In 30 minutes.

Book a 30-minute demo. We will show you the regulatory architecture, the commercial model, and a live profile of vendors on your platform built from public data — before you have told us anything about them.

Book a Demo →
No commitment · 30 minutes · Live vendor demo included