Business insurance,
built into
your platform.
Offer your customers the cover they need, right where they run their business. One API, pre-filled from data you already hold. It can open up a new revenue stream for you, while we handle the insurance side.
Made for platforms that
small businesses rely on
If your customers are retailers, sole traders or small firms, insurance is a natural next step in their journey with you.
Business software
Accounting, payroll, HR and EPOS platforms. Offer cover at the moments it matters, like onboarding a new hire.
Banks and fintechs
Business accounts, cards and spend management. Add insurance to your offer without building an insurance team.
Marketplaces
Platforms for sellers, makers and tradespeople. Make it easy for them to find cover as they grow.
Membership bodies
Trade associations and networks. Give members a simple route to cover for their trade.
What it means for you
A new revenue line that
keeps customers with you
Grow the base
A new reason for small businesses to choose your platform.
Keep customers
Customers can get insured without leaving your product.
New revenue stream
A revenue share on policies sold through your platform.
How it works
A fully embedded journey via API, or start with a simple link
Simple API
Built to plug into your customer journey.
Your UI, your brand
You design the experience to fit your platform and brand.
Instant, relevant quotes
Use the data you already hold to pre-fill quotes
Customers stay with you
Customers can buy and renew without leaving your platform.
How we go live
- Design
- Build
- Test
- Sign-off
- Live
- Monitor
What we take care of
Easy to launch. Easy
to run. Built to scale.
We handle the heavy lifting, so your team can focus on your customers.
Compliance
We design the customer journey and manage the regulatory and governance requirements with you.
Go-to-market
Messaging, promotion and conversion, shaped around your customers.
Operations
Customer support, policy admin and billing, handled by us.
Account management
Regular reporting, planning and reviews with a dedicated contact.
How we grow together
Launch
Start with your first segments, such as retail.
Optimise
Improve conversion using data.
Expand
Add more products and segments.
Scale
Make insurance a strategic channel.
Products
Examples of the
cover we offer
Public liability
Product liability
Property
Employers Liability
Business Interruption
Goods in transit
Cover is subject to underwriting criteria, terms, conditions and exclusions.
Why Lukango
A platform built for partners
Our founders, Joanne Safo and Selina Bilton, have led the launch of more than 20 insurtechs worldwide. We know what it takes to make embedded insurance work for a platform.
-
Lloyd's capacity
Embedded cover underwritten by certain underwriters at Lloyd's.
-
API-first technology
Our own pricing model and an integration-ready platform.
-
Enterprise ecosystem
Supported by PwC.
-
Deep expertise
$500M+ in premiums (ex-Munich Re). Digital revenue grown from 7% to 31% (ex-Unilever, IKEA Digital).
For your developers
See it working before you write a line of code
Try our live demo bank to see the full customer journey, then dig into clear API docs when you are ready to build.
Try the demo Read the API docs// Illustrative only. See API docs
POST /quickquotes
{
"businessActivity": "TRA0189",
"startTrading": 2026,
"turnover" : "222222",
"partnerHandle": "smebank"
}
Let's put insurance where your customers already are
Tell us a little about your platform and our partnerships team will be in touch to set up a demo.