A scaled mutual, without additional headcount, live in eleven weeks
A member-funded vehicle cover mutual in a heavily regulated category, with its entire operating model built on a fixed budget and running on automation rather than headcount.
“There just isn't anyway we could have scaled at this rate without this level of augmented integration between humans and intelligent pilots.”
Where they were
SharedFare covers rideshare, taxi, delivery and fleet drivers, the people whose vehicle is their income. It is a discretionary mutual, so members fund it together, and it sits in a heavily regulated category. The entire operating model had to be built, on a fixed budget, and quickly.
What the work was
Halkin Ventures built the operating model as automation rather than as roles. 147 automated processes across acquisition, member lifecycle, collections, claims and recoveries, and fund relationships, alongside a custom actuarial risk-pricing engine. It took eleven weeks, and more than twenty full-time roles never had to be hired.
What happened
SharedFare launched and runs on that model. Members join the mutual when they buy cover, and the business handles everything from acquisition through to claims without the team a business this shape would normally need.
Kat Levy
Global CEO. Strategy and M&A.
Ali Aslan
AI and automation.
Built through a pandemic, merged five years later
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