Insurance 02

Insurance

02

Compete and win

We work across underwriting, claims, reinsurance, and specialty lines.
In insurance, if the unlikely happens, you won’t face it alone.
We help insurers live up to that promise
in the everyday details.
An underwriter's assessment of a risk no one's seen before, in a claims handler's call at 4pm on a Friday. Some of our work happens at the sharp end of decision-making. Some of it happens behind the scenes, shaping the structures, narratives and systems that make those decisions defensible.

Across Brand, Digital products and Service Design much of it focuses on invisible work: aligning teams, making decisions legible, and helping organisations move without breaking trust.
If you are building something in insurance, we structure our work around three conditions:
01
Clarity
We turn strategy into clear positioning, decision principles and working structures so teams know what they are building and why it matters.
02
Credibility
We design work that stands up inside the realities of insurance. Our tools, services and language respect underwriting craft, claims pressures and governance demands, so what we create feels grounded in how the market actually operates.
03
Confidence
Shaping ways of working that make judgement visible, align teams and ensure decisions stand to scrutiny.
We help insurance organisations make high-consequence decisions clearer
Trust
Fund
Follow
Steamship Mutual
What insurance environments demand
The confidence to act in uncertainty
Lines of business
We understand the pressures of hard and soft markets. Short-tail and long-tail business. Books that simplify with scale, and books that increase in complexity over time. Our work reflects those realities.
Claims
Claims are the point where insurance proves itself. Where intent meets consequence, and where confidence in decisions matters most.

The focus is not speed for its own sake. It is clarity, fairness, and decisions people can stand behind.
Systems and tools
We design tools from the ground up. We also work within existing design systems. Sometimes the work is about building something new. Sometimes it is about improving what is already in place, without disrupting how people work or how decisions are made.
How choices are made, how they are shared, and how they can be supported later
New product development for Underwriting and Claims handling
Fundable
Sellable
Scalable
Convex
The work
We support insurance organisations across brand, service and product design.
No line of business operates in the same way and Insurance as a whole if full of nuance. We have over a decade of experience innovating, tweaking and improving all aspects of your customer journey from Quote to Bind - Brand to UW tooling.
Working with a number of insurance organisations as markets move and mature.

Brand, service, and product design
Underwriting and claims experiences
Decision-support tools
Internal alignment frameworks
Experience layers across complex systems
Excellent work,
communication with Mino was always super easy and efficient.

They really made our job easy!
Ben McCausland
Pangaea
Without Pangaea involved, we wouldn’t have got them to that point. People feel listened to. Even if the outcome is ‘not in day one’, they’re much more comfortable with it.
Ben McCausland
Pangaea
Pangaea have facilitated conversations that would otherwise have been really challenging. They understand the claims needs and have been able to engage with other functions on our behalf and remove that pain.
Ben McCausland
Pangaea
Excellent work,
communication with Mino was always super easy and efficient.

They really made our job easy!
Ben McCausland
Pangaea
We can go into the configuration workshops armed… with an aligned view on the service and what the service design should be.
Ben McCausland
Pangaea
Excellent work,
communication with Mino was always super easy and efficient.

They really made our job easy!
Ben McCausland
Pangaea
This work has surfaced things traditional change often misses. It’s uncovered unknown unknowns and given us visibility we simply wouldn’t have had.
Ben McCausland
Pangaea
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