Build vs. Buy
Mang-Git interviews Danil Kolesnikov, previously a founding engineer at Shepherd, a commercial insurance MGA for construction that underwrites on behalf of carriers and distributes through brokers. He explains Shepherd’s thesis that tech-enabled contractors are better risks and should receive better pricing and coverage. The core build-vs-buy decision was whether to buy a policy administration system or build one; Shepherd chose to build due to vendor pricing that takes a percentage of premium (a lasting “tax”) and the need for flexibility and speed. Danil says owning the platform improved onboarding and day-one productivity across underwriting, claims, and compliance, and helped Shepherd deliver quotes in under 24 hours versus weeks for legacy carriers. They also discuss the complexity of commercial lines, a painful Salesforce integration, and how AI shifts the bottleneck from coding to domain understanding and workflow automation. 00:00 Introductions 02:38 What an MGA Does 04:30 Shepherd’s Tech Advantage 06:10 The Build vs Buy Call 11:45 Evaluating PAS Vendors 13:17 Why Owning the Stack Wins 16:14 Org Design and Automation 18:59 Vertical Integration and Salesforce Pain 22:56 Secret Sauce Not for Sale 24:12 Lessons and AI Prompting 26:22 Lightning Round and Wrap Up This episode was brought to you by Anvil [https://useanvil.com].
28 episodios
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