Empowering InsurTechs to
Scale Smarter
Soap Insurance is a specialist insurance company based in Guernsey, structured as a Protected Cell Company (PCC). We enable Insurtechs, MGAs, and specialist insurance brands to take greater control of their insurance value chain, by helping them establish and own their own captive or fronting insurer cell within our platform.
Our Mission
To give innovative insurance businesses the power, infrastructure, and regulatory access to scale globally, increase margins, and participate directly in underwriting performance, without the friction of building a full insurance entity.
How We Help InsurTechs Grow
Soap Insurance provides a platform for ambitious InsurTechs, MGAs and niche insurance brands to launch their own regulated insurance capability quickly and cost-effectively.
Advisory & Strategic Support
Guidance for InsurTechs and MGAs looking to scale their insurance operations, access reinsurance, and optimise revenue.
Access to A-Rated Reinsurance
Direct connectivity to global capacity providers that most MGAs can't reach.
Cost-Effective Captive Solutions
Establish your own regulated insurance cell with minimal capital requirements and no need to set up a board.
Customised Risk Transfer Structures
Retain, cede, or share risk through bespoke structures designed to enhance profitability.
Control Without the Burden
Operate as a (re)insurer without carrying the regulatory complexity of running your own entity.
Strategic Margin Alignment
Benefit from profit participation, fee income, and risk-sharing arrangements.
Your Path to Becoming an Insurer
Start small, test programs, and grow into a full insurance entity at your own pace.
Why Use a Protected Cell Company?
A Guernsey PCC enables third parties to set up ring-fenced insurance cells that are legally separate from each other and from the core company.
Independent Cells
Assets and liabilities protected
No Separate Licence
Under PCC's umbrella
Lower Costs
Minimal capital needed
Rapid Set-Up
Launch in 2 months
Full Flexibility
Insurer or reinsurer
Regulation & Domicile
Regulated and authorised by the Guernsey Financial Services Commission (GFSC).
Tax-Neutral
Favourable tax framework
Proven Track Record
Decades of PCC excellence
Global Recognition
Leading risk transfer centre
Our Founders
Soap Insurance was founded by InsurTech veterans Graeme Dean and Chris Bayley, who bring a deep understanding of how to build and scale global insurance platforms.
Graeme and Chris bring the experience of having built Cover Genius from inception to a globally recognised leader in insurance with operations across multiple continents and partnerships with major brands worldwide.
Their combined experience spans insurance, technology, risk management, and global expansion, making Soap Insurance the ideal partner for InsurTechs ready to move up the insurance value chain.
Our Portfolio
We proudly support a diverse range of Insurtechs and insurance brands, each leveraging Soap Insurance's PCC structure to innovate, scale, and control their risk economics.
Brands & Products Supported
Hotspot Cover
Leading insurance brand for complex and conflict zones
Travel Insurance
Emergency medical, leisure, and business travel coverage
Medical Tourism
Complications cover for treatments abroad
Car Rental
CDW, CDI, and excess protection
Parametric Insurance
Weather, price index, climate, and natural peril risk transfer
Reinsurance Network
World-class capacity through trusted partners
Work With Us
We partner with Insurtechs, MGAs, and specialist insurance brands that are ready to scale. We also welcome investment and advisory partnerships that align with our mission to modernise global insurance capacity access.
Whether you're launching a new insurance vertical, expanding internationally, or looking to take control of your underwriting performance, Soap Insurance provides the structure, regulatory foundation, and expertise to make it happen.
Contact Us
Let's build your insurance future.