Digital insurance infrastructure for licensed insurers, brokers and enterprise distribution partners.
Riovic gives licensed insurance organizations the operating layer to launch products, price risk dynamically, distribute through embedded channels, service policyholders, coordinate claims and monitor portfolio performance.
Ecosystem operating view
B2B2C readyProduct Studio + Pricing
Licensed partner
Go-live ready
Broker, employer, embedded API
Channels + commissions
New revenue rails
Policyholder wallet + claims
Audit + workflows
Better experience
One infrastructure layer for the insurance ecosystem.
Riovic helps licensed partners operate digital insurance across products, pricing, distribution, claims, documents, compliance, APIs and customer experience.
Product Studio
Create licensed-partner products with benefits, eligibility, documents, workflows, pricing and activation gates.
Actuarial Cloud
Use rating variables, premium formulas, underwriting rules, pricing adequacy and repricing workflows.
Embedded Distribution
Launch through brokers, employers, clinics, fintechs, retailers, API partners and purchase-linked micro-cover channels.
Claims Control
Coordinate policyholder intake, evidence, TPA review, provider/lab inputs, decisions and settlement workflows.
Help partners look like market-leading digital insurers.
The model is B2B2C: licensed partners own regulated products and customer relationships, while Riovic powers the modern customer experience, digital servicing and operating intelligence behind them.
For licensed insurers
- Launch new product lines faster
- Control pricing, workflow and compliance
- Monitor portfolio performance
For brokers and MGAs
- Offer a modern customer portal
- Sell through digital and embedded journeys
- Track commissions, renewals and claims
B2B architecture. Consumer-grade experience.
Riovic is not positioned as the insurer or broker. It enables licensed partners to deliver polished policyholder, business customer and embedded micro-cover journeys under their regulated arrangements.
Policyholder experience
- Insurance wallet and coverage map
- Personalized quotes and policy control rooms
- Claim journeys, documents, trust center and payments
Commercial and group experience
- Employer and SME workspaces
- Business assets, employees and certificates
- Group benefits, invoices and claims overview
Micro and embedded insurance
- Airtime, retail, transport and event-linked cover
- Partner APIs and widgets
- Short-term cover wallet and expiry tracking
The operating stack
Riovic combines the modules needed to support licensed insurance ecosystems from product design to policyholder servicing.
Build a modern insurance ecosystem without becoming another legacy core project.
Riovic helps licensed insurers, brokers and enterprise partners deliver digital products, embedded distribution and superior servicing while maintaining governance and partner attribution.