gtm_report

6.2 Channels

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Snap Claim
Go to Market
How we reach every carrier.
Demand-Side Strategy Founder-led enterprise sales, conference presence, referral trust
Channel 1 Founder-led carrier sales by a CEO who ran 4M claims a year at a top-5 carrier
Channel 2 Insurance-conference presence, every live carrier a reference account
Channel 3 Actuarial and claims-leadership referrals across the carrier network
Demand Funnel Intro to pilot to live book to line expansion
Unit Economics CAC $220K against $0.9M year-one gross profit per carrier, payback in about three months
Demand Side Founder credibility, conference presence, referral trust Qualified demand from a founder who ran claims at a top-5 US carrier
Founder-led carrier sales Daniel Goddard, who ran an org handling 4M claims a year, sells peer to peer
Insurance-conference presence Every live carrier a reference, every conference a room of buyers
Actuarial and claims referrals Claims and actuarial leaders introduce Snap Claim to peers at other carriers
Embedded line expansion Land one line inside a live carrier, then expand across the rest of the book
Partner network Core-system vendors, reinsurers, InsurTech accelerators and industry bodies
Founder trust, live references and referrals open every carrier US carrier LAE ratios sit at multi-year highs after the 2022 to 2024 severity shock, and 128 percent net revenue retention means every live carrier expands its own spend inside the book (Snap Claim carrier data, 2025).
Supply Side Carrier network, industry referrals, embedded lines Existing carrier relationships seed both the pipeline and the claim volume
Founder carrier network Two decades of carrier-claims relationships open the first conversation
Conference pipeline Insurance and claims conferences feed a steady book of carrier prospects
Embedded line expansion Each live carrier adds lines over the relationship, lifting claim volume per account
Referral inbound Claims and actuarial leaders refer peer carriers at zero marginal cost
Partner integrations Core-system and reinsurer partners route new carriers onto the platform
Network, conferences and referrals together fill the carrier pipeline Snap Claim processes 72,000 claims a month across 7 live carriers today, and the pipeline lifts effective volume to 8.1M claims a year across 52 carriers by Year 3 with no new field force.
Supply-Side Strategy Network-seeded, conference-fed, referral-amplified
Channel 1 Founder carrier network as the first pipeline source
Channel 2 Insurance-conference presence for pipeline depth
Channel 3 Referral-led carrier inbound at zero marginal cost
Key Metrics Pilots opened, integration pass rate, days to live, win rate
Delivery Strategy Founder relationships first, then conference pipeline, then referral-led inbound at scale
Customer Personas Three carriers, three claim segments, one platform
The personal-lines auto carrier
Profile Mid-size US personal-auto carrier, 1M to 5M claims a year, LAE a board-level line Pain Points Wants faster, cheaper routine claims without a two-year core-system rebuild Discovery Founder network, insurance conferences, claims-leadership referrals Values STP rate, cycle time, fraud leakage, claimant satisfaction Willingness to Pay $6.00 platform plus $3.60 LAE-share per claim, roughly $1.2M ACV
The homeowners carrier
Profile Regional homeowners carrier, high-frequency low-complexity property claims Pain Points Wants app-grade FNOL and straight-through settlement on routine claims Discovery Founder relationship, actuarial referrals, conference pipeline Values Model governance, reserve integrity, regulatory comfort Willingness to Pay $9.60 blended revenue per claim, expanding to new lines over time
The device and travel program
Profile Device-warranty and travel-insurance program, very high claim frequency, low ticket Pain Points Needs to automate a flood of small claims without adding adjuster headcount Discovery Embedded expansion inside an existing carrier partner's book Values Speed, cost per claim, a clean audit trail Willingness to Pay $6.00 platform plus $3.60 LAE-share per claim, at volume
Channels & PartnershipsDirect founder outbound, conference pull, industry community
DirectGoddard-led outbound and solutions-engineering demos for high-intent carriers
IndirectActuarial networks, claims associations and partner referrals
CommunityInsurance conferences, industry panels and carrier roundtables
Channel StrategyDirect 45 to 55%, referral 20 to 30%, conference 15 to 25%, partner 5 to 15%
Strategic PartnershipsCore-system vendors, reinsurers, data-enrichment providers, InsurTech accelerators and industry bodies
KPIs & Business Model 16 live carriers in Year 1, payback in about three months
Growth KPIs
ARR Target $18.4M ARR in Year 1
Carriers Live 7 live carriers today to 52 by Year 3
STP Rate STP rate from 41% today to 61% by Year 3
Unit Economics
CAC $220K fully loaded carrier CAC
LTV About $1.5M three-year LTV per carrier
LTV : CAC Ratio ~7:1 LTV:CAC
Payback Period About three months
Revenue Model Per-claim platform fee plus LAE-share performance fee
Pricing $6.00 platform plus $3.60 LAE-share per claim
Gross Margin 74% today to 82% by Year 3
Break-Even EBITDA-positive in Year 3
Key Takeaway A founder-led carrier motion converted into live-book expansion
Customer Acquisition Cost $220K
Lifetime Value $1.5M
LTV : CAC Ratio ~7 : 1
Year 1 Projection 16 live carriers in Year 1, more than double today's 7, driven by founder-led sales and referral expansion at 128 percent net revenue retention