Insurance sales enter the retail landscape to transform business   

Retail is living in an era of convergence, where traditional and digital models not only compete, but also inspire each other “O Futuro do Retail: The Age of Convergence”, published in Bain & Company, reinforces that by 2030, half of the profits in the sector will come from activities other than” commerce, such as complementary services, data monetization and B2B partnerships.   

In this scenario, retailers need to go beyond simply selling products to ensure sustainable growth, and the insurance offering emerges as a strategic opportunity to transform the relationship with business customers while generating additional revenue.  

Large players like Amazon and Alibaba have already demonstrated how diverse ecosystems can drive results, using logistics structures to advertising platforms to create new revenue streams. For traditional retailers, insurance sales represent more than an additional product 2B is a smart way to strengthen relationships with B2B customers. By integrating insurance into their portfolio, whether for equipment protection, extended warranties or operational risks, they not only increase the average ticket but create a recurring revenue stream through renewals and commissions, something especially valuable at a time when traditional margins are under pressure.  

Thus, the key to success lies in the perfect integration with the omnichannel model. Physical stores can offer personalized consulting, while digital platforms facilitate agile hiring with instant quotes. The consumption data itself, when well leveraged, allows to recommend tailored insurance, aligned with the profile of each business customer.And the best: strategic partnerships with specialized insurers can accelerate this journey, reducing the need for large investments in their own infrastructure.  

Therefore, in a market where scale and efficiency define leaders, insurance emerges as a key part in building the retail of the future. More than a complementary service, they represent the natural bridge to a new paradigm where convergence between products and services will be inevitable. Retailers who know how to act now, combining their customer knowledge with agility in implementation, will not only follow the transformation but will be able to lead it.