SME Insurance

Combined commercial: any flavor, so as long as it’s vanilla

Combined commercial in its current form fails to benefit small and medium-sized enterprises (SMEs). Make a change and bring personal, targeted insurance policies to market quickly with the FintechOS platform.

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SME Insurance FintechOS


of global banking revenue comes from SMEs


of commercial gross written premiums (GWPs) are for SMEs

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of SMEs are not insured against their top 3 perceived risks

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Why FintechOS?

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Define perfect-fit products for different SME segments.
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Control your own data
Leverage our reference data models and customize them according to your unique business needs.
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Best-of-breed customer experience
Start from pre-built templates and create personalized customer journeys across digital channels for maximum engagement and retention.
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Flexible risk management
Create powerful scoring engines that leverage data from your systems and integrate with any third-party source.

“In the SME space, you’re competing on very narrow margins. There’s a bigger focus to be able to add value through
technology and through risk management.”

Bunty Aranja

Bunty Aranja
Head of Business Architecture, Howden Group

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Dynamically evolve insurance coverage

Our data-driven approach means you can offer SMEs tailored insurance and change the cover as their business grows.

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Reduce operational costs

Bring automation to current manual, paper-based processes. Create portals to connect employees, customers, and partners.

Learn how Howden grew their book 120% while reducing operating costs

Reduce operational costs in insurance

Test new market propositions quickly

Our no-code/low-code approach means small non-technical teams can rapidly define and test new products, digital journeys, and more.

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Start from pre-built digital journeys

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Embedded insurance
Surface insurance offers in third-party sites
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Digital capture
Capture company and applicant data online
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Customer quotes
Propose products based on applicant data
Built in ID verification and liveness check
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Digital documents and signature
Pull directly from accounting packages
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Declarations, Disclosures and Liability
Manage everything online
Proof of Coverage
Instant access to policy documents

Embrace a customer-centric approach to SME insurance

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