On demand liability insurance for snowplow operators

GLOBAL INDEMNITY INSURANCE - GBLI

On-demand snow clearing insurance app.

THE PROBLEM TO SOLVE

A snow plow operator takes on financial risk when purchasing liability insurance. It can cost up to $4000 for the winter season when it’s uncertain how much it will snow that year.

Global Indemnity understood that by creating micro insurance policies, it would help take financial risk out of the equation and help snowplow businesses to manage their budgets by using on-demand insurance.

THE MISSION

To come up with a fresh & operational design, keeping in mind that snow plow operators need to manage budgets, multiple plows and the times they’ll be using them. That led us to come up with an easy-to-use design, while focusing on a clean yet functional look & feel.

AREAS OF FOCUS

What is important to the user experience?

What are the challenges to having sign up for liability insurance every year?

How are we to meet the insurers' standards but make it user friendly to the snowplow operators' needs?

1. Paper to digital

Digitizing the forms: The user need only fill out the forms once, allowing for edits if changes are necessary.

2. Rate Calculation

By giving the operators the flexibility to choose their rate, it makes them more aware of their insurance spending.

3. +/- Snow plows

Allowing for the ability to select what snow plows will be put to use when activating insurance.

4. Time Enrolment

Empowering the snowplow operator the ability to select the days to activate their insurance without the need of an insurance agent.

1. TRANSLATING PAPER FORMS TO DIGITAL

Even to this day, insurance companies insist on filling out forms year upon year, even though most of your information stays the same. Thankfully, that is almost a thing of the past.

Allowing the client to be able to save their information digitally, and be sent a reminder to look over their information to ensure it is correct, saves time and energy.

2. DAILY RATE CALCULATION

Each snow plow operator needs to asses the risk for each job. We realized that by giving the operators the flexibility to choose their rate, it made them more aware of their insurance expenses.

The variables required were:

Number of Vehicles - Max. 5 in total
Number of Days
3 different coverage limits
3 different deductibles

3. ADD/REMOVE SNOWPLOWS

One of the pain points: when snow plow operators signed up their vehicles to an annual insurance policy, they were required to include all the vehicles they owned in order to be covered.

Quite costly and unnecessary when not all vehicles are used when taking on specific jobs.

The ability to add and remove individual snowplows as needed became an important function.

4. Time Enrolment

The ability to set your own dates without the need of an agent. It's an optimal way for the snowplow operator to activate their insurance – saving on time and hassle.

FINAL THOUGHTS

Where micro insurance is concerned it still has a way to go. Just as you would plan for a trip abroad there is still a need to plan to purchase liability insurance. Based on insurance security restrictions, the snowplow operators need to book through their app 12-24 hours ahead of that next snowfall and are required to call in to GBLI if they need to book the day of.

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