Miscellaneous Risks and Professional Indemnity (PI) Insurance: digitizing insurance for scale gain
Product digitization and operational efficiency for FF Insurance.


FF Insurance is the Brazilian operation of the Fairfax Financial Holdings group, a global conglomerate of Canadian origin with a strong presence in specialized insurance and reinsurance. Headquartered in Toronto and with a presence in countries in North America, Europe, Asia, and Latin America, the company intensified its operations in Brazil in 2021, in a highly competitive, regulated market with players already advanced in digital maturity.
From the beginning, FF Seguros' strategy was oriented towards building a specialized portfolio prepared to scale efficiently. The challenge lay in structuring products and platforms capable of sustaining growth, differentiation, and commercial speed.
TRINCA began its operations in 2019 as FF Seguros' first strategic technology partner in Brazil. This partnership arose from the recommendation of key stakeholders who were already familiar with TRINCA's work on previous projects and recognized its ability to structure digital products from conception.


The operational complexity of Miscellaneous Risks and Professional Indemnity products
Miscellaneous Risks and Professional Indemnity (PI) are insurance lines aimed at protecting companies and professionals against financial losses resulting from operational events, errors, omissions, or failures in the practice of their activities. While Miscellaneous Risks insurance covers material damage and specific losses associated with the business operation, PI protects the insured against third-party claims for damages caused during professional performance, as in the case of doctors, engineers, lawyers, and other specialists.
They are among the most complex products in an insurer's portfolio because they involve extensive underwriting rules, multiple acceptance criteria, and pricing based on detailed spreadsheets.
At FF Seguros, this scenario generated slow processes, strong dependence on manual analysis, and low commercial scalability. Each quotation required high operational effort, increasing the response time to the broker and limiting the growth of the product.
Without a digital structure, the risk was clear: loss of efficiency, competitive lag compared to other market players, and a direct impact on the ability to generate revenue.
TRINCA's strategy in the digitalization of insurance products
TRINCA acted in the transformation of these products through the full digitalization of underwriting and pricing rules. The objective was not to simplify the product itself, but to structure its complexity in an operable, scalable, and secure manner.
The efforts involved translating spreadsheets and technical rules into clear digital flows, featuring automatic validations and journeys designed to reduce friction in the operation and the broker's experience. By eliminating manual steps and rework, the solution made the journey smoother and more intuitive for users, reflecting in a better user experience and increased broker confidence in the operation, while establishing a consistent foundation for the portfolio's evolution.

Efficiency gains and growth in FF Seguros' portfolio
The digitalization of Diverse Risks and Professional Indemnity (PI) products brought significant gains:
Significant reduction of manual effort in quoting and underwriting.
Greater predictability and process control.
A digital foundation to scale sales of complex products.
The commercial impact was evident in the performance of the Professional Indemnity products. According to consolidated data in sector rankings based on SUSEP information, FF Seguros' PI operation scaled from intermediate positions to a prominent market standing by 2025, driven mainly by Medical PI, reinforcing the company's competitive capability in the segment.
This delivery established itself as a pillar of FF Seguros' digital strategy and served as the foundation for the evolution of other product initiatives.


Miscellaneous Risks and Professional Liability (PLI) as a growth lever
The digital products for Miscellaneous Risks and Professional Liability have become a relevant pillar of FF Seguros' growth strategy. Currently:
There was a 34% increase in the amount commercialized between 2024 and 2025.
A 24% growth in the number of issued policies was recorded during the same period.
The Professional Liability product evolved from 9th position in sales in 2024 to 2nd position in 2025, driven mainly by Medical PLI.
Digitalization significantly reduced operational friction and dependency on manual processes.
The operation gained more predictability, technical control, and scalability.
The products achieved greater competitiveness and market response speed.
More than just commercial gains, the digitization of Miscellaneous Risks and PLI has created a sustainable foundation for the continuous evolution of FF Seguros' portfolio in highly complex products.
A partnership focused on building a digital foundation
Since the beginning of FF Seguros' operations in Brazil, TRINCA has acted as a strategic partner in building products, platforms, and structural decisions.
More than just delivering point solutions, the joint effort has created solid digital foundations for operational efficiency, business autonomy, and sustainable growth, positioning FF Seguros to evolve its portfolio with speed and control in an increasingly competitive market.
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