[rubyfan]

Thanks and congrats on your launch. Another set of questions I had when looking at the website and your response

1. Are you targeting commercial insurance or personal lines?

2. Looking at US or international markets?

3. How are you reaching insurance carriers? e.g. referrals, direct connections for standard products, borrowing comparative rater APIs, agency or MGA or other capacity arrangements?

4. How are you dealing with producer licensing requirements? e.g. acting as the agency, getting your embedder partners licensed, some other referral scheme?

[mriolfi]

rubyfan thanks for the super insightful questions. here we go:

1. Today we work mostly with commercial lines and get master policies that cover our clients and their customers. From our experience the boundaries between commercial and personal are becoming increasingly blurry.

2. Most of our carrier partners are in the US today, so we have better coverage here.

3. We configure their rating logic on our platform or plug to their APIs if they prefer

4. We're licensed brokers and can play this role or can assist our clients get licensed when required. It depends on the program structure and how the insurance

I'd be happy to jump on a call and explain more if you'd like, please let me know.