WHAT WE DO
Specialist expertise across every stage of the B2B2x programme lifecycle
B2XPRO works with distribution partners — and insurers / MGAs who want to understand what great distribution looks like across 11 advisory areas — from programme design and capacity strategy through to claims framework design and programme performance assessment.
Every engagement starts with a conversation about where you are and where you want to get to — and the advisory areas we bring to bear are shaped by that.
WHAT WE DO
Advisory areas
Every B2XPRO engagement draws on a combination of these advisory areas.
The right combination is determined by your situation — not by a standard scope. Each advisory area is available as part of a full programme engagement or as a standalone workstream where a specific capability is needed.
01 | Programme design & strategy
Market analysis, feasibility assessment, programme structure, business case development, and the design brief that governs the full build.
DEVELOPMENT STAGE: 01 RESEARCH & DESIGN.
02 | Product & proposition development
Cover scope design, policy wording, exclusion architecture, fair value assessment, and product evolution for live programmes.
DEVELOPMENT STAGE: 02 COMMERCIAL & PRODUCT BUILD.
03 | Reinsurance & capacity strategy
Advising on capacity market engagement, treaty structure options, MGA setup considerations, and the commercial framework relevant to binding authority structures..
DEVELOPMENT STAGE: 01 RESEARCH & DESIGN | 02 COMMERCIAL & PRODUCT BUILD.
04 | Regulatory & compliance
Advising on FCA permissions architecture, appointed representative framework design, Consumer Duty obligations, and conduct oversight structures. B2XPRO does not provide legal advice — we work alongside your legal and compliance teams.
DEVELOPMENT STAGE: ALL STAGES.
05 | Commercial structuring & economics
Revenue share design, commission structures, pricing methodology, renewal commercial frameworks, and programme economics modelling.
DEVELOPMENT STAGE: 02 COMMERCIAL & PRODUCT BUILD.
06 | Partner & channel selection
Advising on distributor selection criteria, capacity partner assessment, channel strategy, and how to approach commercial terms.
DEVELOPMENT STAGE: 01 RESEARCH & DESIGN.
07 | Technology & integration
API design and integration management, platform selection, data architecture, and customer journey technology build.
DEVELOPMENT STAGE: 03 DEVELOP & EMBED.
08 | Customer experience & retention
Customer journey design, CX standards, conversion optimisation, renewal strategy, retention strategy and programme design.
DEVELOPMENT STAGE: 03 DEVELOP & EMBED | 04 LAUNCH & PERFORM
09 | Claims framework design & TPA management
TPA brief and selection, claims framework design, service level architecture, fast-track claims frameworks, and TPA performance standards.
DEVELOPMENT STAGE: 03 DEVELOP & EMBED | 04 LAUNCH & PERFORM
10 | Fraud & financial crime
KYC and AML obligations assessment, claims fraud strategy, financial crime controls design, and fraud exposure review for live programmes.
DEVELOPMENT STAGE: 03 DEVELOP & EMBED | 04 LAUNCH & PERFORM
11 | Performance management & optimisation
MI framework design, KPI architecture, programme health monitoring, renewal strategy, and advisory across the full performance cycle.
DEVELOPMENT STAGE: 04 LAUNCH & PERFORM
WHAT WE DO
Which engagement type fits your situation?
Three situations. Three defined engagement types.
Each draws on a different combination of B2XPRO's 11 advisory areas — always starting with a diagnostic, always shaped by your situation.
ENGAGEMENT TYPE 01
Programme build
SITUATION DESCRIPTION
You have a distribution opportunity — or a capacity relationship, or a product idea — and you want to build a B2B2x insurance programme. You may be entering the market for the first time, or expanding an existing business into a new distribution channel or product line.
B2XPRO takes you from initial feasibility through to a fully operational programme — advising on the commercial structure, capacity strategy, product and regulatory framework, technology integration, and operating model before launch.
YOU MIGHT BE SAYING
"We have a distribution partnership agreed but no product or capacity."
"We want to launch an insurance product but don't know where to start."
"Our legal team says we need FCA permissions — we're not sure what kind."
"We want to understand the commercial model before we commit."
"We have a timeline of six months. Is that realistic and what does it take?"
YOU LEAVE WITH
A fully designed, commercially structured, and operationally ready programme — built to perform from launch and throughout the programme lifecycle.
ADVISORY AREAS TYPICALLY ENGAGED
01 Programme design & strategy | Feasibility, structure, commercial logic
02 Product & proposition development | Cover design, policy wording, fair value
03 Reinsurance & capacity strategy | Advising on capacity market engagement, treaty structure
04 Regulatory & compliance | Advising on FCA permissions, AR frameworks, Consumer Duty
05 Commercial structuring & economics | Revenue share, commission, pricing model
06 Partner & channel selection | Distributor and capacity partner evaluation
07 Technology & integration | API design, platform build, data architecture
08 Customer experience & retention | Journey design, CX standards, renewal strategy
09 Claims framework design & TPA | TPA brief, claims model design, service standards
TYPICAL SCOPE NOTE
Full programme build engagements typically run across all four development stages — research & design through to launch & perform. Duration varies by programme complexity, regulatory structure, and technology requirements. Most programmes reach go-live within five to nine months of engagement start.
ENGAGEMENT TYPE 02
Programme review
SITUATION DESCRIPTION
You have a live programme and want a clear, independent view of where it stands. Perhaps you are approaching a renewal and want to go into it well-informed. Perhaps performance has drifted and you want to understand why. Perhaps you have inherited a programme and need to get on top of it quickly.
B2XPRO conducts a structured assessment across the full programme — commercial structure, product design, regulatory architecture, claims performance, and customer outcomes — and delivers a prioritised improvement roadmap with clear recommendations and implementation options.
YOU MIGHT BE SAYING
"We are approaching renewal and want to know where we stand."
"Our loss ratio has moved and we want an independent view before we respond."
"We inherited this programme and want to understand how it is structured."
"We have had FCA feedback and need to address it systematically."
"We want to know what good looks like before our next capacity conversation."
YOU LEAVE WITH
An independent programme health assessment and a prioritised improvement roadmap — structured to inform your next renewal, capacity negotiation, or regulatory response.
ADVISORY AREAS TYPICALLY ENGAGED
11 Performance management & optimisation | MI framework, KPIs, programme health
04 Regulatory & compliance | Conduct review, Consumer Duty assessment
05 Commercial structuring & economics | Commercial model review, renewal strategy
02 Product & proposition development | Cover scope review, fair value assessment
09 Claims framework design & TPA | Claims performance, TPA oversight review
10 Fraud & financial crime | Fraud exposure, controls assessment
TYPICAL SCOPE NOTE
Programme review engagements are typically structured as a fixed-scope diagnostic — four to six weeks from kick-off to delivery of the assessment and roadmap. Where the roadmap identifies material improvements, B2XPRO can remain engaged to support implementation.
ENGAGEMENT TYPE 03
Programme optimisation
SITUATION DESCRIPTION
Your programme is live and performing — but you want to get more from it. Attachment rates are lower than they should be. The customer journey is not converting at its potential. The commercial structure made sense at launch but the market has moved. You want to expand to new channels or geographies.
B2XPRO works with you to identify where the value is and what is required to unlock it — across product design, customer experience, commercial structure, technology, and claims — and builds an implementation plan that strengthens the programme without disrupting what is already working.
YOU MIGHT BE SAYING
"Our attachment rate is below benchmark and we don't know why."
"Customers buy but don't renew — the retention economics don't work."
"The technology integration works but the journey converts poorly."
"The programme is profitable but we think it could be significantly larger."
“We want to expand to new channels — what would that require?"
YOU LEAVE WITH
A targeted set of improvements across product, commercial structure, and operations — each prioritised by impact and effort, with a clear implementation roadmap.
ADVISORY AREAS TYPICALLY ENGAGED
11 Performance management & optimisation | KPIs, MI architecture, programme health
08 Customer experience & retention | Journey optimisation, renewal strategy
05 Commercial structuring & economics | Revenue model review, pricing optimisation
02 Product & proposition development | Cover evolution, new product lines
07 Technology & integration | Journey optimisation, channel expansion
09 Claims framework design & TPA | Service improvement, cost efficiency
TYPICAL SCOPE NOTE
Optimisation engagements vary in scope depending on the number of improvement areas identified. They typically begin with a focused diagnostic — two to three weeks — followed by a phased implementation engagement. B2XPRO can act as ongoing advisory partner through the optimisation cycle.
Not sure which engagement type fits?
Most first conversations cover more than one situation. Tell us where you are and where you want to get to — and we will tell you what we think the right approach looks like. No predetermined scope, no standard proposal.