The insurance layer behind the platform.
TopSure is designed to sit between digital platforms and licensed insurers. We build and run the digital experience. Licensed insurance partners handle regulated underwriting and risk obligations according to local law.
Clear lines between technology and regulated risk.
Each party does what it is built and licensed to do. Workers get one digital experience. Partners get a distribution channel into populations that are hard to reach.
Handles the digital experience
- Product configuration
- Enrolment and eligibility
- Beneficiary capture
- Billing integrations
- Policy status and customer communication
- Claims intake
- Analytics and API integration
Handles regulated risk
- Underwriting and policy issuance
- Policy wording and product approval
- Capital and solvency obligations
- Claims assessment and decisions
- Regulatory reporting in each jurisdiction
One digital layer. Local regulated capacity.
The same TopSure stack serves every market. The insurer and capital layers change by jurisdiction.
- Enrolment
- Policy experience
- Billing
- Claims intake
- Data / Analytics
- API
Smarter insurance capital.
Depending on jurisdiction and scale, TopSure can support several risk structures, so a program can start simple and grow in sophistication as volume builds.
Traditional carrier underwriting
A licensed local insurer underwrites the product and carries the risk.
Group / affinity insurance
Cover arranged for a defined group such as a platform's workers, an association or a fleet.
Reinsurance arrangements
Reinsurers share the risk with the local insurer, adding capacity for larger programs.
Cell-captive structures
Where local regulation permits.
What is a cell captive?
Captive participation
For large programs, partners may participate in underwriting results through a captive, subject to regulation.
Local fronting / underwriting partnerships
A licensed local insurer issues policies in-market, with risk shared according to local requirements.
Insurance structures vary by jurisdiction. Products are only offered through appropriately licensed entities.
Who stands behind each product.
Every live product will name its underwriter, distributor and regulator. These slots stay empty until a partner is confirmed for a market.
Reach the gig economy through one digital layer.
We're speaking with insurers, reinsurers and capital partners in our first markets.