Commercial Lines Distribution Platforms: Rapidly Evolving Options for Carriers

An SMA Research Report

Deborah M. Smallwood, Senior Partner
Mark A. Breading, Senior Partner
Publication Date:
April 21, 2021
Number of Pages:
$1,495.00 USD

Commercial lines insurers have many options for distribution partners. InsurTech startups and incumbents alike offer new capabilities as intermediaries connecting agencies and other distributors to carriers. This report describes three categories of distribution platforms for commercial lines insurers: distribution/comparison platforms for simple risk, distribution platforms for moderate risk, and placement/trading platforms for complex risk.

The report provides a strategy framework, enumerates the essential capabilities required, and identifies companies in each category. 

20210420 CL Distribution Platforms


Table of Contents

  • Strategic Decisions and Expanding Choices 3
  • Distribution Platform Scope 4
  • Distribution Platform vs. Digital Platforms 6
  • Distribution Platform Categories 7
  • Distribution/Comparison Platforms - Simple Risk
  • Distribution Platforms - Moderate Risk
  • Placement/Trading Platforms - Complex Risk
  • Summary and Call to Action 11
  • About Strategy Meets Action 12