Why Quotall
Retailers, trade platforms, and membership organisations are generating commission income from embedded insurance — without building an internal insurance function, without applying to the FCA, and without a lengthy implementation project. Quotall provides the infrastructure that makes it operationally possible.
The revenue that most platforms haven’t turned on
Every business that sells something — a product, a professional service, a membership — sits at a point in its customers’ lives where insurance is genuinely relevant. A tradesperson buying power tools needs tool insurance. An ecommerce customer buying a luxury watch needs theft cover. A new member joining a professional body needs liability protection.
The insurance need is real. The purchase moment is there. What has historically been missing is a route to put the right product in front of the right buyer — compliantly, simply, and without the operational overhead that makes most embedded insurance projects stall before they start.
That is what Quotall is for.
What Embedded Insurance Actually Means
Embedded insurance is insurance offered at the point of sale or point of service — inside the purchase or membership journey, not alongside it. It is not a banner ad for a third-party insurer. It is not a referral programme. It is a branded, configurable insurance proposition that sits within your checkout, your platform, or your member portal and converts because it appears at the moment of maximum relevance.
The commercial model is straightforward: you earn commission on every policy activated through your platform. Quotall handles everything behind it — the insurer relationships, the product design, the regulatory structure, the customer servicing, and the claims management.
The distinction that matters: this is infrastructure, not a partnership scheme.
You control the brand experience. We run the operation.
WHO THIS IS FOR?
Quotall works with three types of organisations.
Ecommerce retailers and digital platforms
Mid-market and enterprise retailers selling products where protection is relevant at point of sale — tools, electronics, luxury goods, specialist equipment. Insurance adds a margin line to the checkout without adding operational overhead.
Trade platforms and B2B marketplaces
Platforms serving trade professionals — builders’ merchants, tool suppliers, tradesperson marketplaces. Trade-specific products — tools insurance, liability, tradesman cover — are a natural fit for the purchase journey. The Connected Contract Exemption means FCA authorisation is not required in most cases.
Membership organisations and service platforms
Professional associations, trade bodies, affinity groups. Insurance is a natural part of the member value proposition — but most organisations are running passive group schemes that sit outside the digital journey and convert poorly. Embedding insurance digitally changes the commercial outcome.
The Commercial Case
The revenue opportunity in embedded insurance is not marginal. It is a structural margin line that operates on transaction or membership volume you already have.
Commission is earned on every policy activated. There is no inventory to hold, no fulfilment to manage, and no additional customer acquisition required. Attach rates depend on product relevance and placement — but for well-configured embedded propositions in relevant categories, they can be significant.
To model what embedded insurance could add to your business based on your transaction volume and product mix: See the revenue calculator here
THE REGULATORY REALITY — AND WHY IT’S SIMPLER THAN YOU THINK
The most common reason embedded insurance projects don’t happen is a misunderstanding of the regulatory requirement.
Most businesses assume they need an FCA licence to distribute insurance. In many embedded insurance scenarios, they don’t.
The Connected Contract Exemption (Article 72B RAO) allows retailers and platforms to distribute insurance that is directly connected to the products or services they sell — without holding FCA authorisation as an insurance intermediary. Where the CCE doesn’t apply, the Appointed Representative route provides an alternative that is also managed entirely by Quotall.
In both cases, Quotall holds the compliance infrastructure. Your business enters the insurance revenue stream without taking on the regulatory burden.
FCA financial promotions rules apply regardless of route, and Quotall manages compliance obligations across all partner communications. → Understand the regulatory routes in full
Our Service In Summary
Find out what embedded insurance looks like for your business
The starting point is a 20-minute conversation — enough to identify the right product fit, the regulatory route, and a realistic picture of the revenue opportunity. No commitment, no lengthy discovery process.