Exposing emerging risks: a culture to build, not a gamble to avoid

Launching is a habit — not a leap into the unknown

Whether a product is new or not, the logic is the same: the more you launch, the better you become at launching.

It’s just like TV advertising or M&A:

• If you never do it, it seems slow, costly, and uncertain.
• If you do it regularly, the processes are streamlined, the risks are managed, and the results come faster.

👉 Launching becomes a competency, not an exception.
👉 This skill is essential when entering unclear or emerging markets.

Make or Buy: a strategic key for emerging risks

The more innovative a product is, the riskier it is. In these cases, the instinct is often to keep everything in-house to maintain control. Paradoxically, that’s often the wrong approach.

Why?

• Because internal teams are typically tasked with maintaining and optimizing existing operations, not launching radically different, agile, or experimental products.
• Because doing it all internally means absorbing 100% of the cost, risk, and maintenance — increasing the pressure on the project.

➡️ That’s where the Buy approach makes sense.

Working with a platform like Korint means:

• Leveraging ready-to-use tech components,
• Deploying “disposable” or testable modules without disrupting your entire IT stack,
• Maintaining control over critical business functions like pricing, billing, or reporting when needed.

👉 The right Make-or-Buy balance is what enables you to maximize learning while minimizing cost. Choosing a partner like Korint can give your project a decisive edge.

How Korint facilitates exposure to emerging risks

At Korint, we help our clients launch into new segments safely, using four key levers:

1. Ultra-fast deployment

Emerging risks demand rapid responses. Waiting 18 months to test a product means missing the market.

• At Korint, the average deployment time is 2.6 months, with weekly production releases.
• Our processes are industrialized, with ready-to-use modules and dedicated launch teams.

👉 This allows you to explore a market, launch a pilot offer, and iterate quickly.

2. A flexible and aligned business model

Innovative portfolios are, by nature, unpredictable. They need financial models that can absorb volatility.

At Korint, we designed a special "Growth" offer for these portfolios. It minimizes your risk by:

• Minimizing integration and setup costs, which often block innovation,
• Making our compensation primarily based on a success fee tied to volumes.

👉 This aligns our interests with yours: if the product succeeds, everyone benefits.

3. Event-based data to detect weak signals

Our architecture is built on event-driven data management, meaning we track every action, change, and interaction throughout the life of a contract.

This enables us to quickly identify atypical behaviors, anomalies, or emerging patterns.

The result is exceptional data to refine risk selection and improve conversion rates.

Example: Two fleets of 50 vehicles might look similar. But if one sees 5 vehicle changes per year and the other 40, that’s a very different risk. Korint lets you detect and act accordingly.

👉 This is a critical capability when dealing with emerging risks that lack historical benchmarks.

4. A responsive and versioned pricing engine

Launching an innovative product often requires frequent pricing adjustments — even multiple times a month.

With Korint Engine, our clients can:

• Update pricing tables instantly,
• Test multiple pricing variants in parallel,
• Version each pricing table for traceability and compliance.

We also offer a set of risk control tools (alerts, automatic termination, etc.) to help you adjust exposure dynamically.

➡️ Result: rapid portfolio improvement, especially for high-frequency risks.

What truly changes: launch becomes simple

With Korint, our clients experience a fundamental shift: exposing themselves to new risks is no longer difficult or risky. It becomes a smooth, structured, and repeatable process.

• It’s no longer a rare exception that takes a year to prepare — but a strategic move you control.
• It’s no longer a leap into the unknown — but a process you can repeat, improve, and scale.

Conclusion: mastering exposure to emerging risks

1️⃣ Standardize your launches — launching new insurance products shouldn’t be a one-off project, but a recurring skill supported by proven tools and processes.
2️⃣ Share the risk smartly — a Make-or-Buy strategy helps you test quickly, without overloading internal teams, while retaining control over core elements.
3️⃣ Use data as a control lever — thanks to event-based architecture and agile pricing engines, each launch becomes a source of measurable, repeatable learning.

➡️ With Korint, insurers and brokers can turn the uncertainty of emerging risks into opportunity.

👉 Want to explore a new segment before 2026? Talk to our team today.

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