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How Libertas Eliminated 100% of Insurance Fraud with Digital Transformation

Digitized insurance operations to eliminate 100% of fraud and achieve 500% online sales growth since 2013.

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Libertas General Insurance website

The challenge

Libertas was hemorrhaging money—particularly on their travel insurance product where fraud was rampant. They relied on manual certificate issuance and a network of agents with zero tracking capabilities. Payments disappeared, policies were issued without oversight, and the company had no visibility into agent activities. Their skepticism was palpable: could a local Malawian company really solve this complex, costly problem that was eating into their profits daily?

What we did

We didn't just build a website—we engineered a complete digital ecosystem. We replaced manual processes with a secure online platform where agents could log in, issue policies instantly, and process payments with full traceability. Every product—from motor insurance to health coverage—was digitized with automated certificate generation, real-time tracking, and robust audit trails that left no room for manipulation.

Our solution included: 1) Agent portals with individual logins, 2) Automated policy issuance & tracking, 3) Secure payment integration, and 4) Full administrative dashboard giving Libertas 360° visibility into every transaction.

Results

The results were transformative:

  • 100% Fraud Elimination on travel insurance and significant reduction across all products
  • 500% Increase in Online Sales since 2013 implementation
  • Zero Manual Certificates – all policies now issued digitally
  • Complete Agent Accountability – every action tracked and recorded
  • Ongoing Partnership – from initial skepticism to trusted digital solutions provider

Today, 100% of Libertas' travel insurance policies are processed through our platform, proving that local expertise can solve global-scale business challenges.

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