Unlocking the ₹3L Crore MSME insurance opportunity.
Real-time, verified business transaction data — enabling better underwriting, faster claims, reduced fraud, and a fundamentally new approach to MSME insurance.
MSMEs need insurance the most — and get it the least.
Insurers want to serve this market — but can't assess risk reliably. Self-reported numbers are unverifiable. Physical audits are expensive and infrequent.
No reliable data
When verifying stock, asset values or revenue, self-reported numbers are unreliable and physical audits are expensive.
Claim fraud
Without verified records, every claim becomes a potential dispute. "Stolen inventory" or "damaged goods" are hard to check.
Mispriced premiums
Broad category pricing — good businesses subsidize risky ones. Nobody gets a fair deal.
Complex onboarding
Applications demand records most micro-businesses don't keep. Built for corporates, not shopkeepers.
Slow claims
Without pre-existing data, every claim triggers investigation. Genuine claimants wait weeks or months.
Low penetration
Fewer than 5% of MSMEs have commercial insurance. The market is untapped because the model doesn't fit.
What insurance has always needed — finally available.
Continuous, verified, real-time operational data from the businesses you insure. Every transaction recorded on Avnee is dual-party verified and immutable.
- Inventory — actual stock levels from real transactions.
- Assets & employees — tracked and verified.
- Compliance — GST, PF, ESI, licensing.
- Transactions & payment behavior — risk indicators from actual operations.
Transform MSME insurance.
Precision risk
Underwrite based on actual behavior, not industry averages. Your pricing reflects the real business.
Fraud prevention
Dual-party verified, immutable records make fraudulent claims dramatically harder to mount.
Faster claims
Inventory value already documented. Settlement drops from weeks to days.
Continuous monitoring
Adjust coverage dynamically. Turn insurance from reactive product to proactive partnership.
Market expansion
Simplified onboarding plus accurate pricing unlocks the 95%+ of MSMEs that are currently uninsured.
Dynamic products
Usage-based coverage, seasonal policies, pay-per-risk models — things that were impossible before.
Integrate Avnee in four steps.
Onboard to Avnee Insurance
Register as an insurance partner. Define products, coverage terms and risk appetite. Products appear to qualifying businesses.
Access verified data
With consent, review the business's Avnee Score and operational data — inventory, assets, compliance, payments.
Make data-driven decisions
Clean time-series data flows into your underwriting models — inputs traditional methods could never offer.
Monitor in real time
After issuing the policy, continue monitoring health. Get alerts on operational changes and risk shifts.