Insurance by the minute
Insurance was designed for a world where work came in years. You had a job, a warehouse, a fleet. You bought a policy in January and forgot about it until January.
Most new work doesn't come in years. It comes in tasks. A delivery. A shift. A ride. A freelance project that starts Tuesday and ends whenever the client stops replying. Selling that person an annual policy is like selling them an annual bus ticket for one trip — technically coverage, practically nonsense.
So we sell insurance the way the work happens: per task, per minute, switched on by an API call from the platform where the work already lives. The courier doesn't buy insurance. The delivery arrives insured.
Here's the part I find genuinely exciting, and it's not the distribution. When you insure millions of small units of work, you see risk at a resolution insurers have never had. Not "couriers in Lisbon" — this courier, this route, this hour of the night. That data compounds. Eventually you don't just distribute someone else's product. You know the risk better than the people underwriting it.
Distribution first. Data second. Underwriting third. That's the whole plan, and I've just given it away for free, because the plan was never the hard part.