Your independent worker clients are underinsured — not because they don't want coverage, but because no one has given them the right channel to get it. Fairfax has partnered with Mavvrixx.ai to change that. This brief explains how you can activate a new revenue stream on the clients you already serve, while keeping your relationship with them fully intact.
Independent workers are already in your client base. They're the freelancer who asked you about health coverage last year. The contractor who wasn't sure if their professional liability was sufficient. The solopreneur who didn't know how to classify their income risk. You spoke to them. You probably couldn't help them fully.
That's not a sales problem. It's a product gap. Until now, no carrier had the data infrastructure to underwrite independent workers reliably — which meant no carrier could offer them products that were appropriately priced, and no broker could confidently place them. That changes today.
"Independent workers are underinsured not because they don't want coverage — but because no carrier has been able to price it, and no broker has had a clean way to place it. Mavvrixx solves both sides of that equation."
What Mavvrixx.ai built is a verified financial identity platform for independent workers — called IndieID™. Every member has a Vault: verified income history, vocation classification, coverage inventory, and a consent record. This is the data that makes the segment underwriteable. And it's now powering a distribution channel you can plug into.
Fairfax has partnered with Mavvrixx.ai and listed its products on the platform. When an independent worker signs up through your referral, three parallel relationships are established — and all three are preserved:
Mavvrixx's commitment: no competing insurance products will ever be offered to members who arrived through a Fairfax distribution channel. Members may also receive non-competing insurance products from other carriers and non-insurance products (such as income tools, financial identity services, and other independent worker products) — but they will never see products that compete directly with Fairfax's offerings.
Here is how the full flow works:
When a worker joins Mavvrixx through your referral, Mavvrixx makes a binding commitment: no competing insurance products will ever be surfaced to that member. They have access to the full Fairfax product catalog — every product listed on the platform — plus non-competing insurance products and non-insurance products that complement their financial life. The Mavvy AI will never present alternatives from a competing carrier.
This commitment is Mavvrixx's to make — not yours, and not Fairfax's. Mavvrixx controls the platform. Mavvrixx controls what Mavvy surfaces. And Mavvrixx's business model depends on carriers and their distribution partners trusting this channel. The guarantee is structural, not optional.
Your client stays your client. Fairfax stays your carrier partner. And Mavvrixx becomes the independent worker's holistic financial infrastructure — their income identity, their Vault, their coverage intelligence layer. Mavvrixx is not a marketplace that commoditises the relationship. It's the operating system the worker uses to manage their financial life, with Fairfax's products as the insurance layer inside it.
The platform routes members by distribution channel origin at the data layer. This is not a policy decision that can be reversed — it is how the platform is built. A member who joins through your referral code is a Fairfax-channel member for the lifetime of their Mavvrixx membership.
Commission is paid on every policy bound by a client in your referral network. You do not need to be present for the sale — once a client is in your channel, Mavvy handles the discovery, education, and purchase flow. You earn on the outcome.
| Product Category | Example Products | Your Commission | When It's Paid |
|---|---|---|---|
| Professional Coverage | Professional liability / E&O, General liability | Set by Fairfax | On bind |
| Income Protection | Short-term disability, Income gap, Critical illness | Set by Fairfax | On bind |
| Life & Health | Term life, Individual health, ACA individual | Set by Fairfax | On bind |
| Specialty | Cyber (freelancer), Nomad/travel, Equipment | Set by Fairfax | On bind |
Commission rates are set by Fairfax for each product. Your Fairfax partnership manager will provide the rate schedule. All rates are visible in your partner dashboard before any client referral.
A client who builds their IndieID™ Vault doesn't buy once. As their income grows, as new coverage gaps emerge, as life circumstances change — Mavvy resurfaces relevant products from the full Fairfax catalog. Each time, the product recommendation is tailored to their current verified income and risk profile. You earn on every subsequent bind, not just the first one. One referral can generate multiple policies across multiple product lines over time.
Register as a partner. Share your referral link or embed the Mavvrixx signup widget on your site or communications. When an independent worker client signs up through your link, they're in your channel permanently. That's it.
You don't explain coverage. You don't fill in forms. You don't handle quotes. You don't follow up. Mavvy does all of that — 24/7, in the worker's own language, personalised to their Vault data. You refer. Mavvy converts. You earn.
You receive a unique referral link and an optional embed widget. No API integration required to start earning. If you want a deeper integration (co-branded landing page, embedded quoting), Mavvrixx's partner team will build it with you.
Your partner dashboard shows every referral, registration, quote, bind, and commission in real time. You can see which products your clients are buying and track lifetime value across your referral network.
The products available in the Mavvrixx platform are determined by what Fairfax has listed. Fairfax's current product catalog on the platform covers the most common coverage gaps for independent workers. Your clients will only see products that match their verified vocation and income profile.
Professional liability / E&O · General liability · BOP · Short-term disability · Income gap cover · Term life · Individual health · Cyber (freelancer) · Nomad / travel
Products with clear eligibility rules and digital-native quote flows go live in the Mavvy catalog fastest.
Products requiring face-to-face underwriting, physical inspections, or employer group enrollment are not available through the Mavvrixx platform at this stage. Commercial property, workers' comp (employer-side), and group benefits fall outside the current scope.
Sign up as a Fairfax distribution partner through Mavvrixx. Your referral link is issued immediately. Your first client can be in the platform today.
Become a Distribution Partner → See the Full Partner Journey →