Frequently Asked Questions.
Answered.

Based on actual usage and behaviour, not broad population averages. Driving behaviour, shift patterns, claims history, asset type, market, and coverage level all factor in. For business clients, Cachet negotiates terms directly with insurer partners using your operation's actual data.

For well-managed operations, adaptive insurance usually costs less. Pricing is based on real behaviour and real usage, so responsible operators aren't covering the cost of higher-risk ones. Riskier behaviour shows up in the price you pay. Your operations and your costs stay directly linked.

Coverage can be added or removed through the platform as your operation grows or changes. Billing is consolidated monthly across all policies. For gig platforms, coverage activates and deactivates based on active working hours, so costs naturally track actual usage.