Financial Performance and Risk Management Overview
SUPERIOR CUSTOMER AND BROKER EXPERIENCE
Our Digital Platforms, Sonnet and Vyne, enable our customers and brokers to access competitively priced
insurance in a fast, easy to use manner
IMPACT EVERY ASPECT OF
THE VALUE CHAIN
sonnet
INSURANCE
Purchase insurance in as little as 5
minutes
Easy-to-understand language and
available support
✓ Fully digital
✓ Real-time customization, processing
and underwriting
✓ Automated underwriting and
advanced data analytics used to
deliver personalized pricing
vyne
GROW
CONFIDENCE
Quickly obtain and process
bindable quotes
Integration with all major BMS(1)
and quoting vendors
✓ Uses the technology and learnings
of Sonnet
✓ Real-time customization,
processing and underwriting
✓ Automated underwriting and
advanced data analytics used to
deliver personalized pricing
We believe that our sophisticated Digital Platforms enable
rapid scaling of our business
Ability to directly drive new business from over 30,000
individual brokers and thousands of customers who engage
with us directly while reducing variable costs
Ability to respond to market conditions with greater
speed and agility drives improvements in our personal
lines claims ratio
Automated, data-driven model supports customer
acquisition and retention - Sonnet customer acquisition
costs have decreased by 45% over the last five years
We expect that these platforms will also enable us to drive
synergies in connection with potential future
acquisitions
1. Broker management systems.
definity.
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