For decades, buying insurance has followed a familiar path.
Find an agent. Make a phone call. Complete an application. Wait for a quote. Review documents. Ask questions. Make another phone call.
That process still has an important place in the insurance industry, particularly when businesses and individuals face complex risks that require professional guidance.
But not every insurance need needs to be complicated.
Legacy Risk Solutions believes there is another way.
Through technology, strategic partnerships and a growing portfolio of digitally accessible insurance products, Legacy Risk Solutions is building SIMPL — a platform designed around a straightforward idea:
Make insurance easier to access at the moment people actually need it.
Insurance Built Around the Customer
Technology has transformed nearly every part of the consumer experience.
People book flights from their phones. They reserve hotels in seconds. They buy cars online, manage investments through apps and order almost anything with a few clicks.
Yet purchasing certain types of insurance can still feel disconnected from the experience it is supposed to protect.
SIMPL is working to change that.
Developed as an embedded and strategic insurance platform powered by Legacy Risk Solutions, SIMPL is designed to connect consumers with relevant insurance products through streamlined digital experiences and strategic partnerships.
The goal isn't technology for technology's sake.
The goal is less friction.
Instead of forcing customers to navigate an unnecessarily complicated process, SIMPL is being built around the end user — making it easier to discover coverage, understand the available options and move forward.
It represents a simple shift in thinking:
Insurance shouldn't interrupt the experience. It should become a natural part of it.
From Weddings to Weekends Away
That philosophy is already being applied across several very different areas of everyday life.
Protecting One of Life's Biggest Days
A wedding can involve a venue, caterers, photographers, entertainment, rentals, deposits and months — sometimes years — of planning.
It can also represent a significant financial investment.
Through SIMPL Wedding Insurance, couples can access wedding liability and cancellation coverage through a streamlined digital experience. Liability protection can address covered risks associated with the event itself, while cancellation coverage can help protect eligible financial commitments when unexpected covered circumstances disrupt the wedding.
SIMPL is also developing relationships with venues and event professionals so access to protection can become part of the planning and booking journey rather than an afterthought.
The concept is simple:
Plan the wedding. Protect the wedding. Get back to enjoying the wedding.
A Smarter Approach to Events
The same principle extends far beyond weddings.
Private celebrations, corporate gatherings, festivals and other special events bring together people, property, vendors and financial commitments.
SIMPL's event insurance solutions are designed to make accessing protection more straightforward for the people organizing these events — while creating opportunities for venues and event professionals to incorporate insurance resources into their own customer experiences.
That embedded approach is important.
A venue shouldn't have to become an insurance agency. An event planner shouldn't have to become an insurance expert.
Instead, technology can connect customers with insurance resources when protection becomes relevant.
That's the power of embedded insurance: meeting customers where they already are.
Because Pets Are Family Too
SIMPL's approach isn't limited to events.
Veterinary medicine has become increasingly sophisticated, but advanced treatment can also bring significant costs.
Pet insurance can help owners prepare for eligible veterinary expenses when an unexpected accident or illness occurs, depending on the policy.
Through SIMPL, consumers can access pet insurance options digitally, creating another straightforward entry point into the broader Legacy Risk Solutions insurance ecosystem.
It's a different product solving a different problem, but the philosophy remains the same:
Make useful protection easier to find and easier to access.
One Travel Policy. A Year of Possibilities.
Travel presents another opportunity to rethink how consumers interact with insurance.
People travel for business, vacations, long weekends, international adventures and everything in between. Yet insurance is often something travelers don't consider until after flights, hotels and experiences have already been booked.
SIMPL offers access to an annual travel insurance solution designed for people looking for protection across multiple trips during the year.
Depending on the policy, travel insurance can address covered situations involving medical emergencies, travel interruptions, delays and other unexpected circumstances.
For frequent travelers, the idea of annual protection aligns naturally with SIMPL's broader mission: make insurance fit more seamlessly into the way people actually live.
The Bigger Opportunity: Insurance Where It Belongs
Wedding insurance. Event insurance. Pet insurance. Annual travel insurance.
On the surface, these may look like completely different products.
Underneath, they share something important.
Each represents an opportunity for insurance to appear at a logical moment in the customer's journey.
A couple books a venue.
A family adopts a pet.
A traveler begins planning the year ahead.
An organization schedules an event.
Instead of expecting consumers to stop what they're doing, research insurance independently and navigate an unfamiliar industry, embedded technology can bring access to relevant protection closer to the transaction or experience itself.
That is where SIMPL has the potential to become much more than a collection of insurance products.
It can become an ecosystem.
Powered by Legacy Risk Solutions
Behind SIMPL is the scale, expertise and insurance infrastructure of Legacy Risk Solutions.
Legacy Risk Solutions is a Top 25 independent agency with more than 50 offices, 650+ employees and nationwide capabilities. Its broader organization provides access to more than 60 specialized insurance and risk-management solutions spanning commercial insurance, employee benefits, personal insurance, real estate, transportation, specialty programs and more.
SIMPL takes that foundation and approaches distribution from a different direction.
Where traditional insurance often begins with an insurance conversation, SIMPL can begin with the customer's existing need.
The wedding. The trip. The pet. The event.
Insurance follows naturally.
This combination of established insurance expertise and modern digital distribution creates an opportunity to deliver the best of both worlds: the infrastructure and relationships of an established insurance organization with the speed and accessibility consumers increasingly expect from modern technology.
Building the Next Generation of Insurance Distribution
The products available through SIMPL today are only part of the story.
Additional solutions and partnerships are in development as Legacy Risk Solutions continues exploring where technology, embedded distribution and insurance can intersect.
That could mean working with businesses that want to provide customers with easier access to relevant insurance products.
It could mean developing new digital pathways for traditionally underserved insurance needs.
And it could mean identifying moments where insurance should logically be available — and making it accessible without adding unnecessary friction.
The opportunity extends beyond simply putting an insurance application online.
The real opportunity is redesigning how insurance reaches people.
Technology makes that possible.
Strategic partnerships make it scalable.
Insurance expertise makes it meaningful.
And keeping the end user at the center is what makes it SIMPL.
Insurance Doesn't Have to Feel Complicated
Insurance will always involve risk, coverage decisions and important details.
But accessing it doesn't have to feel difficult.
That's the idea driving SIMPL and the larger innovation taking place at Legacy Risk Solutions: combining technology with insurance expertise to build a more intuitive path between people and the protection they need.
Wedding insurance is one step.
Event protection, pet insurance and annual travel insurance are others.
More are on the way.
The future of insurance isn't simply digital. It's accessible, embedded, connected and built around the customer.
And Legacy Risk Solutions is working to make that future a little more SIMPL.
Discover SIMPL
Explore SIMPL's growing ecosystem of straightforward insurance solutions at simplins.com and learn more about the organization powering it at LegacyRiskSolutions.com.
Insurance products are subject to applicable policy terms, conditions, limits, exclusions and availability. Coverage varies by product and provider.