Meeting the Evolving Needs of Today’s B2B Clients

Modern businesses increasingly view insurance as a strategic value-add for their customer communities to improve brand value and loyalty. B2B clients - from digital platforms to global networks of franchises - are looking to embed insurance solutions that are tailored to their community’s risks, budgets, and operational realities.

These clients want:

• Embedded insurance solutions tweaked to fit their community’s specific risks and budget levels, rather than generic one-size-fits-all products.

• White-labeled insurance that seamlessly aligns with their brand identity.

• High-quality coverage that enhances their customer experience.

• Regional or global programs that offer consistent protection across markets.

• Trusted partners who can design and deliver insurance without requiring in-house expertise.

Embedding insurance isn’t their core business - but it’s a growing expectation from their customers. That’s why they turn to partners like Beloy to help them build programs that combine the right coverage, compliance, and customer experience. 

Challenges of  Embedded Insurance Programs

While the opportunity is vast, the execution is complex. Designing insurance programs for modern B2B clients requires navigating several challenges:

• Regulatory complexity: Insurance regulations differ by geography, and each jurisdiction introduces unique compliance obligations.

• Speed of implementation: Clients want to launch quickly to improve customer experience and brand stickiness

• Product flexibility: Off-the-shelf products often don’t fit - programs may require customization to align with evolving business models.

• Technology integration: Managing consistent benefits and experiences across geographies, carriers, and systems demands robust, modular and customizable technology.

• Carrier dependencies and access: Carriers generally provide APIs for quotation and policy administration as an example.  In some markets and insurance segments, like motor in the UK, carriers operate through intermediaries such as software houses, adding layers to the process and impacting speed and costs.

Without the right mix of expertise, these challenges can slow down launches, inflate costs, and erode customer trust.

How Beloy Solves This

At Beloy, we combine insurance advisory, brokerage expertise, and technology to help businesses design and deliver embedded insurance programs efficiently and cost-effectively.

Our platform - powered by the Beloy Insurance Engine - acts as a bridge between stakeholders: clients, insured members, fleet managers, franchise owners, carriers, and TPA teams; and, their workflows & data. This integrated approach ensures everyone operates within a unified, compliant, and transparent framework.

Our Process: From Design to Delivery

1. Define a custom  operating model
   We map every user journey - enrollment, payment, claims, reporting - along with all data sources, regulatory requirements, and system integrations.

2. Configure and customize the platform
   Contracts are finalized while the platform is tailored to the specific insurance product. Data connectors are built to manage pre-checks, data pulls, and local compliance needs.

3. Collaborate and test the end-user journeys
   We conduct joint user testing with all stakeholders to ensure a smooth experience. This enables a fast pilot launch, followed by a full-scale rollout.

4. Support and grow
   For affinity or community-based programs, we help clients with marketing initiatives to drive adoption and engagement. Our operations and support teams manage the day-to-day administration, ensuring the program runs seamlessly.

Enabling Modern Insurance for Modern Businesses

Beloy empowers businesses to deliver insurance programs that reflect their brand quality, meet regulatory standards, and scale globally. With the right blend of insurance expertise, technology, and execution, we help B2B clients transform insurance into a competitive differentiator.