Your customers run payroll with you. Now they can run benefits too.
Turn on employee benefits for your customers, without them leaving your product. Kota brings the brokerage, the carriers, and the servicing.
Outside the UK, cover is arranged by Kota’s Irish company or by local broker partners, not under Innovative Risk Labs Ltd.
Three operations in one integration
Get everything you need to offer employee benefits as a product line.
Brokerage
Kota is the broker of record where we place cover directly, and works with broker partners for extended global policies, so cover meets local rules from day one.
Carriers
Kota holds contracts with local insurers for health, pension, and protection, so your product ships with a carrier network already in place.
Servicing
Our benefits team places and renews every policy, and Kota’s agent runs the admin in between. Your support team never becomes a benefits help desk.
Where Kota brokers today
Local cover in 19 countries, and international cover beyond them. Find your customers on the map.
- Europe
- UK, Ireland, France, Germany, Netherlands, Spain, Portugal, Italy, Sweden, Poland
- Americas
- Canada, Mexico, Brazil
- Asia-Pacific
- India, Singapore, Australia, Japan
- Middle East & Africa
- UAE, South Africa
Every country on the map has health cover. Ireland and the UK have pension, life, and income protection too, and that list is growing.
Need a market we’re not in yet? We open new ones when partners ask.
Integrate your way
Own as much or as little of your customers’ benefits experience as you want. There are three ways in, and most partners start with one and move to the next as it earns its place.
Hosted
Kota runs the whole experience under your brand. Your customers click through to pages that look like yours.
Book a Demo- You build
- One link
- Live in
- Days
- Suits
- Getting to market this quarter, or testing demand before you commit engineering
Start Hosted.
Move to the API when it’s earning its place. It’s the same integration underneath, so there’s nothing to redo.
Who does what
Deductions land in the payroll you already run, by API.
Delight your customers and win with a stickier product.
Open a product line you don’t have today and reap the benefits. Customers will thank you, their employees will thank them, and you will be the hero of their HR stack.
You’re not embedding a catalogue. You’re embedding the broker.
A catalogue gets browsed once. A broker gets used: at renewal, when someone joins, when someone has a baby, when a claim needs chasing. Every one of those moments now happens inside your product.
Kota’s agent sits in every employee’s pocket, inside your app.
With it, they can:
- Ask questions about their own cover
- Get help with claims, contributions, and dependants
- See every benefit they have, and its full value
“We’ve already seen some really great success from that so far. We’ve got six common customers now, and this is just a brilliant way to keep that rolling.”
What partnersask first
Something else on your mind? Our partnerships team will walk you through it.
How do deductions get into payroll?
Into the payroll you already run, by API, per employee and per benefit, every month.
Is it just health, or everything?
Health in every live market. Pension, life, and income protection in Ireland, the UK, and a growing list. Some benefits, like pension, are set up in Kota rather than inside your product, depending on the path you pick.
Where do employees use it?
Hosted: on Kota-run pages under your brand. Embedded: in your UI. API: wherever you build it. Same rails underneath.
Does it cost our customers more to go through us?
No. Premiums are the insurer’s, and Kota’s fee is the same whether they come through you or direct.
Who is the broker, and who does the customer contract with?
Kota is your broker of record in your chosen markets, backed by our broker partners for extended global policies. Your customer contracts with you for your product and with Kota for the cover, or you bundle it.
What about our customers’ existing brokers?
Your customers usually have one. Kota takes the scheme over as broker of record, and nothing about the policy changes.