Rivr is a UK Insurtech founded by Will Clarkson Web in 2023. Rivr offers a curated, high-value home insurance product. Rivr are an appointed representative backed by an experience MGA.
Rivr have built their own unique insurance risk pricing model in Swallow and are distributing digitally through their website.
“Whilst our technical team was keen to build pricing ourselves, we decided to go with Swallow because of their domain experience and the product looked great. And happy we did, for our complex pricing model, the platform allowed us to quickly build and easily maintain and iterate pricing in the underwriting team.
Swallow has enabled us to get to market in a fraction of the time it would’ve taken us and saved thousands in development costs."
Launching a differentiated home product hinged on precise pricing, but creating a bespoke pricing engine would slow the launch and burden engineering resources:
Needed to separate complex risk logic from the core distribution stack
Building an in-house engine risked delays and becoming overrun
Required autonomy for underwriters to iterate quickly without waiting on developer cycles
Detach pricing logic from core systems for agile iteration
Empower non-engineers to update models safely
Ensure high confidence through automated testing
Scale with their appointed-representative and MGA frameworks
Swallow stepped in as a self-service pricing hub that Rivr could plug into instantly, no heavy integration needed
Rivr built their first pricing draft in under a week
The platform ran thousands of tests on each version
Underwriters controlled model adjustments, freeing up devs
Pricing updates went live in minutes, not weeks
Rivr launched faster, scaled smarter, and kept costs down, all while giving underwriters direct control. Swallow became the backbone supporting their high-value home insurance launch.
