With the maturation of Brazilian e-commerce, efficiency in the "last mile" (lastmileDelivery has become the value arena for retail. After generating US$21 billion last year, the delivery market is experiencing unprecedented expansion. Projections from Statista Market ForecastProjections indicate that the sector will reach US$29,5 billion by 2030. Accompanying this surge, the number of users is expected to rise from 63 million to 90,5 million in just three years.
Keeping an eye on the reconfiguration of the last-mile market, marked by the consolidation of large delivery platforms and the growing demand for operational efficiency, the 88i Digital Insurance has been expanding its operations in the segment and reinforcing onboard insurance (embedded insurance) as a strategic vector of profitability for the entire ecosystem. Currently, delivery-focused solutions already account for approximately 70% of the company's business, which includes clients such as Posta Já, Voa Delivery, and Uai Delivery.
For e-commerce, shipping costs and merchandise security are critical variables. In a scenario where some transportation companies already operate under mandatory insurance (RCTR-C and RC-DC), 88i focuses on simplifying the "gray area" of marketplace and express delivery platforms. RodrigoVentura, CEO of 88i, explains that technology has changed the role of insurance in the retailer's spreadsheet.In the delivery model, insurance has ceased to be a bureaucratic formality and has become a tool for generating revenue. Through the embedded model, we transformed what was a fixed expense into a driver of operational efficiency and a new avenue for generating incremental revenue."He emphasizes."
88i bets on low-friction technology to scale alongside major players. The differentiator lies in the "on-off" system, activated via API. Insurance is activated dynamically, guaranteeing precise protection only during the transit of goods, which reduces costs and eliminates waste.
To maintain the agility demanded by the pace of delivery, 88i invests heavily in technology. Currently, more than 50% of all documentation in claims cases is automatically analyzed by Artificial Intelligence models. Real-time connection with Transportation Management Systems (TMS) and telemetry allows for data cross-referencing that combats fraud and increases the accuracy of the operation.
Couriers
Beyond protecting merchandise, insurance has become a strategic tool for talent retention in a sector marked by high employee turnover. In a competitive market, where the legal security and well-being of independent delivery drivers are under constant scrutiny, protection has emerged as a significant differentiator.
Market data indicates that the Delivery driver engagement grows by approximately 15%.When the platform offers personal accident insurance and income.A protected professional prioritizes the company that offers them security, which results in greater productivity and lower turnover for the platform.“,” the executive points out.Contemporary insurance is not a static contract, but a code integrated into the management system, capable of simultaneously protecting the goods, the driver along with their income, and the end consumer.. "In a scenario where agility is the currency, ignoring the potential of insurance as a business intelligence tool is a strategic mistake that modern retail can no longer afford to make. concludes.
