About
Bolttech is a globally scaled embedded insurance technology platform designed for businesses that want to offer insurance and protection products directly within their own customer experiences. Its core Distribution Engine connects partners to a library of hundreds of insurer products, paired with a no-code product and pricing configurator that dramatically accelerates time-to-market for new insurance offerings. The platform supports the entire insurance lifecycle — from dynamic underwriting and quoting to binding, payment, policy administration, claims, and customer engagement. An embedded insurance API lets any digital business embed a quote-bind-pay flow into existing customer journeys without friction. Complementary portals serve agents, consumers, and non-licensed referral partners alike. Bolttech also delivers advanced data analytics and a pre-filled data marketplace to improve conversion rates and underwriting accuracy. Its global contact centers and servicing ecosystem — including repair, remediation, and logistics networks — ensure end-to-end coverage across the policy lifecycle. Industries served include financial services, telcos, retailers, device OEMs, mobility and automotive OEMs, real estate, and travel companies. Specialized program verticals cover mobile devices, consumer electronics, health tech, home, travel, cyber, and mobility insurance. Bolttech also offers custom product manufacturing, insurer advisory services, and insurance entity setup for partners looking to build their own MGA or agency on top of the platform.
Key Features
- No-Code Product Configurator: Accelerate insurance product launches with a no-code pricing and product configurator that requires no engineering resources.
- Embedded Insurance API: Integrate a full quote, bind, and pay insurance flow into any digital customer journey via a flexible API.
- Insurer Library & Data Marketplace: Instant access to hundreds of insurer product connections and pre-filled data for fast, accurate quoting and claims.
- Advanced Data Analytics: Built-in analytics engine to optimize conversion rates, improve underwriting efficiency, and enhance customer experience.
- End-to-End Servicing & Claims: World-class servicing portals, global contact centers, and a repair and logistics ecosystem for full policy lifecycle management.
Use Cases
- A telco embedding device protection insurance at the point of mobile phone purchase or upgrade.
- A financial services firm offering travel or cyber insurance to banking customers within their app.
- A car dealership integrating mobility insurance seamlessly into the vehicle purchasing journey.
- A retailer adding consumer electronics protection plans at checkout for tech products.
- A travel company providing roaming and trip protection coverage tailored for international mobile customers.
Pros
- Globally Scalable Infrastructure: Designed for international deployment across multiple industries, geographies, and distribution channels.
- Full-Stack Insurance Solution: Covers the entire insurance lifecycle from product design and quoting to claims and customer engagement in one platform.
- No-Code Speed to Market: Partners can configure, launch, and iterate on insurance products without writing code, dramatically reducing time-to-market.
- Broad Industry Coverage: Pre-built vertical programs for telcos, retailers, automotive, travel, health tech, and more reduce custom build effort.
Cons
- Enterprise-Only Positioning: The platform is geared toward large-scale B2B2C partners; it is not accessible or appropriate for small businesses or individual sellers.
- Complex Onboarding: The breadth of features and compliance requirements across global markets can make initial setup and integration time-consuming.
- Opaque Pricing: Pricing is not publicly listed and requires direct engagement with the sales team, creating friction for evaluation.
Frequently Asked Questions
What is embedded insurance?
Embedded insurance refers to integrating insurance products directly into non-insurance customer journeys — such as at checkout for a device purchase or during a car-buying process — so customers can access coverage at the moment it's most relevant.
Who is Bolttech designed for?
Bolttech is designed for businesses (B2B2C) such as financial institutions, telcos, retailers, device OEMs, automotive companies, and travel operators that want to offer embedded insurance to their end customers.
Does Bolttech offer API integration?
Yes. Bolttech provides an Embedded Insurance API that allows any digital business to embed quote, bind, and payment flows directly into their existing customer journeys.
What industries does Bolttech serve?
Bolttech serves financial services, telecommunications, retail, device OEMs, mobility and automotive OEMs, real estate, health tech, travel, and cyber security sectors, among others.
Can partners build their own insurance entity using Bolttech?
Yes. Bolttech offers insurance entity setup services, providing the technology and regulatory expertise needed to help partners launch their own MGA or insurance agency on top of the platform.
