Klimber

Klimber operates as a B2B2C insurtech firm, providing a digital insurance infrastructure for its partners primarily in Latin America. The company was co-founded by Julián Bersano (CEO), Cristian Elbert (CSO), Dolores Egusquiza (CMO), and Diego Camogli (Innovation Consulting). The leadership team's background, including experience at insurance giant AIG, informed their strategy to address the complexities of the Latin American insurance market. They identified a need for a digitized insurance process, targeting a younger demographic and those at the base of the economic pyramid who were underserved by traditional insurers.

The company's core business is creating white-label digital insurance solutions that other businesses can offer to their end customers. This model allows partners like banks, fintech companies, and retailers to embed insurance products into their existing offerings. Klimber provides a comprehensive, end-to-end platform that handles the entire policy lifecycle, from product development and sales automation to policy administration and claims processing. Revenue is generated by enabling these partners to sell insurance, likely through a revenue-sharing or fee-based model for the use of its technology infrastructure. The platform is designed to be efficient, aiming to lower final costs for the consumer.

Klimber's platform launched in 2018, marking the debut of what it calls the first fully digital life insurance product in Latin America. Its technology leverages data-driven insights, APIs, and automation to make insurance products simple to understand, purchase, and manage. A significant feature is the automation of over 94% of its transactions and the ability to process and pay out claims in under an hour using algorithmic analysis. The company has received backing from major industry players, including a pre-Series A investment from Swiss Re and funding from Prudential Financial, which provides capital and access to deep industry expertise. With operations in Argentina, Brazil, and Mexico, Klimber is focused on closing the significant insurance coverage gap across the region.

Keywords: insurtech, digital insurance, B2B2C, Latin America insurance, embedded insurance, white-label insurance, API insurance, life insurance, policy administration, claims automation, digital distribution, financial services technology, Julián Bersano, Cristian Elbert, Swiss Re, Prudential Financial, insurance infrastructure, digital ecosystem, insurance technology platform, LATAM insurtech