Waypoint Technology
Every niche deserves its own technology.
Most MGAs get a product. Waypoint partners get the product and the technology behind it: proprietary where it counts, the best of the insurtech market everywhere else, integrated and kept current.
One niche. One platform.
- Your book of business
- An exclusive niche product
- Technology built to run it
- A program competitors can’t copy
The problem
The insurtech market moves faster than any one system.
New insurtech tools launch, merge, and disappear every month: rating engines, data providers, policy admin, embedded distribution, AI underwriting. Keeping up is a full-time job, and most agencies and MGAs don’t have anyone doing it.
So they fall back on the legacy model: buy an agency management system, sit on it for a decade, and hope it keeps up. It won’t. The firms running that playbook are becoming the legacy.
The legacy model
- One system, bought once
- Ten years on the same software
- Every product forced into a generic workflow
- You chase and manage the vendors
The Waypoint model
- A technology stack built around your niche
- Kept current as the market changes
- Exclusive products on exclusive infrastructure
- We select, implement, and integrate them for you
We build what should be proprietary, integrate the best of what’s out there, and keep it all current.
How a project works
Enterprise-grade delivery, built for MGAs.
We run every project the way top consulting firms run enterprise implementations for the Fortune 100: a defined scope, a senior team, and a clear plan from discovery to go-live. The difference is that we build for MGAs and agencies, and we stay to run the program with you.
Discovery engagement
Our consultants work alongside your team to analyze your book, operations, and data, and identify the niche worth owning.
Product design
We design an exclusive, proprietary product around that niche, backed by top global property markets most agencies can’t reach on their own.
Build and integrate
We build what should be proprietary in RiskRate, then select, implement, and integrate the best tools on the market for everything else.
Launch and keep it current
We hand over the product, the platform, and sales training, then steward the program and update its technology as the market changes.
What we build
Built for the way each niche actually works.
A few examples of what we build.
Delivery fleets
Insurance inside the software they already use
A platform that enrolls drivers, pulls driving records automatically, and prices coverage per driver, per day. The operator adds and removes drivers in one place, and the insurance follows.
Commercial property
Deductibles set by verified mitigation
One master policy for hail, wildfire, flood, and hurricane zones where the deductible reflects the building’s verified mitigation at the time of claim. No upfront roof surveys holding up the sale.
Every Waypoint program
The whole program, run on one connected stack
Running a program takes a dozen systems that all have to talk to each other. Most MGAs try to stitch them together themselves. We implement, integrate, and run it, so the MGA spends its time selling.
- Agent license tracking
- Surplus lines taxes
- CRM
- Application intake
- Rating
- Underwriting
- Quote, bind, issue
- Premium collections
- Reconciliations
- Capacity management
- Claims monitoring
- Rate adjustments from book trends
The platform that grows with every niche
Waypoint RiskRate
RiskRate is Waypoint’s proprietary rating and underwriting platform, and it grows with every program we build. With each new niche we add the data, rating, and workflow that niche needs, giving the niche owner advantages competitors can’t buy off the shelf.
- Property · Live
- Auto Liability · Live
- + Built for your niche
Live today. Property and Auto Liability rating and risk analysis.
Built for your niche. The data sources, rating factors, and workflow your niche needs, added to the platform.
Always expanding. New lines and capabilities as your program grows, so your advantage compounds.
Every project starts with a discovery engagement led by our consultants.
Harder to copy. Easier to sell. Cleaner to underwrite.
Exclusivity that lasts
A competitor can undercut a rate. Rebuilding the platform your producers and insureds rely on takes years.
Producers sell what’s simple
When quoting and enrollment take minutes, producers lead with your product instead of the regional carrier’s.
Data from day one
Every program captures clean, niche-specific data from the first policy, the foundation for profitable growth.
Technology partners
Built something MGAs need? Let’s put it to work.
We select, implement, and integrate technology for every program we build, which means we’re always looking for software that solves real problems for MGAs, program administrators, and their producers. Partner with us and your product goes where it gets used: inside live programs.
Implementation partner
We deploy and integrate your product inside the programs we build, so customers get it running instead of shelved.
Two-way referrals
We introduce you to MGAs and agencies that fit your product. You introduce us to firms that need a new or better insurance offering.
A buyer who can afford you
We bring capacity and product to the MGAs we work with, which frees up budget for the technology they need.
Strategic investment
For the right companies, a deeper partnership through Waypoint Ventures.
Ready to build your niche platform?
Every project starts with a discovery engagement. Our consultants review your book, operations, and data, then map the product and platform we’d build with you.