Parcelsure Series A
Insurtech pitch deck example with the loss ratio on the cover
An insurance investor reads loss ratio before anything else, and a deck that buries it has already told them something. Parcelsure is invented, and it puts 61 percent on the cover and then spends a waterfall slide showing what is left after claims are paid.
Every slide, in order
The whole deck as it renders, one slide after another. Read it the way the audience would.
The structure
What each slide is doing, so you can reuse the order even with different content.
- Slide 1cover
- Put the loss ratio on the cover, because that is the number the room is waiting for.
- Slide 2intro
- Why parcel cover is bought at checkout rather than from an insurer, stated from the shopper side.
- Slide 3pillars
- The three kinds of partner, kept apart because they convert and cost completely differently.
- Slide 4metrics
- Volume, loss ratio and average premium in one row, so the three cannot be read apart.
- Slide 5metrics
- Written premium down to contribution, so nobody has to work the margin out from the loss ratio.
- Slide 6comparison
- Where the twelve saved days actually go, step by step, rather than one blunt claim.
- Slide 7process
- The funnel from checkout impression to a live policy, with the drop at each step.
- Slide 8framework
- How the insurance actually works, because a checkout widget is not an insurer.
- Slide 9investment
- Nine million in a table, with the capital held against the binder shown as its own line.
- Slide 10closing
- Close on the one number the loss ratio has to beat, and what happens if it does not.
Slide by slide
Slide one puts policy count and loss ratio on the cover. Slide two argues why cover has to live inside a checkout. Slide three separates the three partner types with attach rates and commissions. Slide four is volume, loss ratio and average premium in one row. Slide five is the premium to contribution waterfall. Slide six compares a claim at 14 days with a claim at 2 days, step by step. Slide seven is the checkout funnel from one million impressions to 116,900 policies. Slide eight names capacity, licensing, claims authority and the pricing data asset. Slide nine is the nine million ask as a table, with solvency capital called out as held rather than spent. Slide ten closes on the covenant the plan is prepared to be held to.
How to adapt this deck
A company that underwrites its own risk rather than distributing replaces the capacity slide with a capital and reinsurance slide, and the ask grows by the solvency requirement rather than by the operating plan. A business selling one large policy rather than a million small ones swaps the checkout funnel for a sales cycle slide, because the unit of growth is a broker relationship instead of an impression. A deck built for a reinsurer rather than a venture fund moves the waterfall to second and adds a loss development view, since the reinsurer is buying the book rather than the growth.
What this audience asks for
The Australian prudential regulator publishes what a general insurer has to hold against the risk it writes, and the consumer regulator publishes plain descriptions of how a policy is meant to be explained at the point of sale. Read together they set out the two boundaries an embedded insurance business lives inside: somebody rated has to carry the risk, and the buyer has to be able to understand what they bought in the two seconds they have. A deck that names its carrier, its authority limit and its attach rate has answered both, and an investor with insurance experience will check exactly those three.
What makes this deck work
The waterfall finishes the loss ratio sentence
Slide five walks 5.28 million dollars of written premium down through claims, partner commission, operations and payment costs to 633,000 of contribution. A loss ratio on its own leaves three more questions. Putting every step on one chart answers all of them before anybody has to ask.
The partner slide is three businesses, not one channel
Slide three separates marketplaces, couriers and the plugin, and gives each an attach rate and a commission. Marketplaces pay 18 percent and attach at one order in nine; couriers pay 11 and attach at 21. A single blended distribution number would hide the entire commercial picture.
Capacity, licence and claims authority are named
Slide eight says a rated carrier holds the risk, the business distributes as an appointed representative, and claims authority is delegated up to 2,500 dollars, which covers 99.4 percent of the book. That last clause is the reason two day settlement is possible, and it belongs in the deck rather than in diligence.
Questions people ask
What is different about an insurtech pitch deck?
Two things a software deck does not carry: the loss ratio and the regulatory structure. An insurance investor will not move past either. This example puts the loss ratio on the cover and gives capacity, licensing, claims authority and pricing data a framework slide of their own.
Where does the loss ratio go in the deck?
On the cover or on the first metrics slide, next to volume and average premium. Hiding it until a later slide reads as an attempt to build a story before the number lands. This deck shows 1.2 million policies, 61 percent and 4.40 dollars together so none of the three is read alone.
How do I show unit economics in insurance?
A waterfall from gross written premium to contribution, with claims, commission, operations and payment costs as separate steps. This example uses six steps on one chart. Percentages alone let an audience assume a different cost base than the one you have.
Do I need to explain who carries the risk?
Yes, in one slide. A distributor and an underwriter are different businesses with different capital needs, and an investor who is unclear which one you are will price the round for the more expensive option. This deck names the binder, the aggregate limit and the renewal month.
How many slides should an insurtech deck be?
Ten to twelve. This one is ten. The temptation is to add actuarial detail, and the better place for that is a data room appendix with the triangles in it. The main deck needs one honest chart and one honest structure slide.
What do insurance investors ask about first?
Whether the loss ratio is stable or improving, and why. This deck answers on the metrics slide by reporting 74 percent in 2025 against 61 in 2026 and naming route level pricing as the cause. A loss ratio with no explanation of its direction is a snapshot, not a trend.
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