🪣Nimblr Risk Pockets

Where your premium goes. Where claims payments come from.

Risk Pockets are the fundamental building blocks of the Nimblr ecosystem. When a user pays premium, it is held in a Risk Pocket.

Premiums are based on the risk profile of that Risk Pocket and the insurance class it represents. Every risk pocket is individual and separate.

The Watch Collection Risk Pocket is separate from the Spaceship Insurance Risk Pocket. Premiums are not co-mingled. Claims experience of one doesn't impact the claims experience of another.

What this creates is a simple and transparent rating structure. And, it creates a system where different risks are diversified; a system where premiums held in the Risk Pocket are used as first line of defense.

And since insureds are paying these premiums, they can earn cash back in the event of a year with less claims than anticipated.