October 2025
“The world is wide, and I will not waste my life in friction when it could be turned into momentum.” Frances E. Willard, 19th-century reformer and forward thinker who championed progress through purpose.
This is a sentiment that sits at the heart of InsurX. We’re building a market where energy is spent on growth, not on grind. For too long, the insurance ecosystem, especially in the specialty space, has been slowed by invisible drag: duplicated effort, fragmented data, and processes designed for paper, not for progress. Our smart follow technology is changing that by removing the friction that has long defined how brokers and insurers work together.
Reducing friction for brokers
For brokers, friction has often meant time lost, chasing quotes, re-keying data, and navigating different portals, all while client expectations grow faster than market infrastructure. Smart follow by InsurX clears that path. Brokers simply email a submission, and we take it from there: structuring the data, matching it to algorithmic appetite, executing placement, and feeding insights straight back into their workflow.
No forms, no portals, no duplication, just faster placement, cleaner data, and more capacity. The result is time reclaimed for what brokers do best: advising clients, finding solutions, and growing business. With smart follow, brokers can deliver more with less effort, capture new fee income for value-added services, and stay competitive in a market that rewards speed and precision.
Reducing friction for insurers
For insurers, friction often hides in the underwriting process itself, in inconsistent submissions, unclear appetites, and a lack of visibility once risks are bound. Our smart follow technology fixes that too.
We structure each insurer’s risk appetite with 3D algorithmic precision, reflecting the logic of a human underwriter but executed at digital speed. Submissions are instantly filtered and matched against those appetite rules, ensuring insurers see only the risks they actually want, no noise, no wasted review. When risks are bound, they’re done so automatically and cleanly, feeding real-time insights into portfolio performance and exposure.
That precision means less operational drag, faster decision-making, and sharper underwriting discipline, all while freeing teams to focus on complex judgment calls, not admin.
From Lloyd’s to the global companies market
Right now, we’re proving this model in the Lloyd’s global specialty market, where placement times are shrinking from days to minutes, and brokers and insurers are growing together through a shared data-driven ecosystem. But this is only the start.
Our long-term strategy is to expand beyond specialty into the global companies market, connecting corporate risk placement and capacity through the same frictionless infrastructure. When brokers and insurers across geographies can connect through structured data, algorithmic appetite, and instant execution, the result isn’t just efficiency, it’s transformation.
The momentum ahead
Friction once defined how insurance worked. It slowed ideas, delayed deals, and drained momentum. InsurX is replacing that drag with flow, creating an exchange where every transaction strengthens the system and every participant gains from the speed of the whole.
Progress is a choice. Globally, the insurance market doesn’t have to live with friction, not when technology can turn it into momentum. That’s what smart follow delivers, and we’re only at the beginning of that journey.
