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Line of business · Gadgets & devices
Gadgets & devices: embedded, instant insurance at scale
Gadget insurance sells at the point of sale, inside a partner’s checkout or from an app, in seconds and at high volume. Hermes is built as an API-first service: define the product once and sell it embedded in any channel, with instant issuance and an agile claims flow for breakage, theft and breakdown.
What you can underwrite
- Phones & consumer electronicsAccidental breakage, theft, liquid damage and post-warranty breakdown.
- Devices & wearablesTablets, laptops, smartwatches and home electronics.
- Warranty extensionsExtending the manufacturer’s warranty as an insurance product.
- Professional & mobility equipmentTools, equipment and micro-mobility devices.
How Hermes manages it
- Instant underwritingReal-time quoting and issuance, designed for the point of sale and checkout.
- Embedded distributionA documented REST API to embed insurance in any partner’s sales flow.
- High volume & microinsuranceBatch processes, low premiums and operations optimised for large policy counts.
- Sales landing pagesPortals with your brand or the partner’s, publishable in days.
- Agile claimsA short BPM flow for breakage, theft and breakdown, with documentation and fast payment.
- Partner settlementCommissions, bordereaux and settlements per distribution channel.
Why Hermes for Gadgets & devices
Truly API-first
Hermes is a fully API service; embedded insurance isn’t a patch — it’s the design.
Scale without linear cost
High volume is handled by batch, not policy by policy by hand.
Fast partner onboarding
Each distributor with its brand, its limits and its settlement.
Frequently asked questions
- Can I sell insurance inside a partner’s checkout?
- Yes. The REST API lets you quote and issue from the partner’s purchase flow in real time.
- Is it ready for high-volume microinsurance?
- Yes, with batch processes and operations optimised for large volumes of low-premium policies.
- How are commissions settled with each partner?
- With commissions per channel, bordereaux and automatic settlements per distributor.