Introduction: The Battle for Differentiation in Outsourced Logistics
The outsourced logistics market in France is experiencing explosive growth: according to Fevad, more than 850 million parcels transited through 3PL and 4PL providers in 2024. But this growth is accompanied by intensifying competition. For an e-merchant looking for a logistics partner, there is now a plethora of options on offer.
How can you stand out from the crowd when you offer the same carriers, the same lead times and similar rates to your competitors? The answer lies in the value-added services that transform your value proposition. And among these services, parcel insurance has become a decisive criterion for your most demanding customers.
The problem? Today, your customers are suffering from the limitations of traditional carrier insurance: insufficient Limits for their valuable products, claims delays of 60 to 90 days that impact their cash flow, exclusions that affect their most profitable catalogs (reconditioned, high-tech, luxury), and complex claims processes that monopolize their customer service.
Some of your competitors have already seized this opportunity, and now offer premium insurance as part of their package. This article shows you how to deploy a white label solution that turns insurance from a friction point into a differentiating competitive advantage, while generating a new source of recurring revenue for your organization.
Why B2B Customers Now Demand Premium Insurance
The profile of your customers has changed radically over the last three years. E-retailers and B2B companies outsourcing their logistics are no longer beginners simply looking to delegate storage and shipping. They are mature organizations that manage their risks and optimize every point in their value chain.
Three market trends are creating a growing demand for high-performance parcel insurance, which you need to integrate into your offer.
The explosion of high-value catalogs: according to ADEME, the French market for refurbished electronics will reach 1.8 billion euros by 2024, while the market for premium cosmetics will exceed 3 billion euros. Your customers are increasingly shipping products whose unit value far exceeds standard carrier Limits . A reconditioned €800 smartphone insured for only €23/kg with some carriers? That's an unacceptable risk exposure for them.
The need for optimized cash flow: In a tense economic climate, your B2B customers monitor their WCR (Working Capital Requirement) on a daily basis. Waiting 60 to 90 days to recover compensation for a lost €2,000 parcel, while having already reimbursed their end customer, has become intolerable. They are actively seeking logistics partners capable of offering them express compensation times that preserve their cash flow.
Rising expectations in terms of customer experience: Your customers know that a poorly handled claim can destroy the relationship with their own end customer. According to several studies in the e-commerce sector, more than one in three consumers no longer recommend after a poorly resolved delivery dispute. For your B2B customers, this means a considerable loss of CLV (Customer Lifetime Value). They therefore expect their logistics service provider, i.e. you, to help them turn an incident into a loyalty-building opportunity, thanks to rapid compensation that enables immediate return.
If you can't meet these three requirements with your current insurance offer, your prospects will turn to your competitors, who have already moved on. Insurance is no longer an administrative detail, it's a strategic selection criterion when choosing a 3PL or 4PL partner.
White Label Claisy: Your Brand Insurance Principle
A white label solution enables you to offer your customers premium parcel insurance under your own brand, without the complexities and investment of a traditional insurance partnership. In concrete terms, this means that your customers subscribe to "premium insurance [Your 3PL Name]", while the technology, coverage and claims management are operated back-office by Claisy.
How does white labeling work in practice? Your customer only sees your interface and branding. When they access their logistics dashboard with you, a "Premium Parcel Insurance" section appears with your logo and colors. There, they can consult their insured parcels, declare a claim if necessary and track the progress of their file. For them, it's your service, your added value, your differentiation. They don't see the Claisy logo, unless you choose to make it visible in "Powered by Claisy" mode, according to your communication strategy.
API technical integration is the heart of the system. Claisy provides you with a comprehensive REST API that integrates natively with your WMS (Warehouse Management System) or TMS (Transport Management System). The moment your system generates a transport label for a customer parcel, an automatic API call to Claisy instantly creates the insurance cover. Your operational teams have no manual handling to do. The process is 100% transparent and automated. In return, you receive a unique insurance policy number that you can even display in your customer notifications to reinforce confidence.
Personalized branding goes beyond the simple logo. You can personalize coverage confirmation emails sent automatically to your customers with your corporate identity. Claims documents (declaration acknowledgement, claim confirmation) can also be personalized with your letterhead. Your customers enjoy a consistent end-to-end experience under your brand. This consistency reinforces their perception that you are a complete, premium logistics partner, not just a storage and shipping operator.
The flexibility of the commercial parameters is up to you. You define how you want to integrate insurance into your commercial offer. Some 3PLs choose to include it in their premium packages to justify a higher price positioning. Others offer it as an à la carte option that customers can activate according to their needs. Still others automate it by default for all parcels above a certain value threshold, thus simplifying the proposition. Claisy adapts to your business model, not the other way around.
Your concrete, measurable competitive advantages
Deploying a white label premium insurance solution transforms three critical dimensions of your business: your competitive positioning, your business model and your customer retention capacity.
Immediate differentiation in a saturated market
When making sales presentations to prospective customers, you can now say, "Unlike most 3PLs, which limit themselves to standard carrier insurance, we offer premium coverage of up to €100,000 per parcel, with express compensation in 48 to 72 hours, directly integrated into your logistics dashboard." This sentence radically changes the perception of your offer.
Your sales force has a tangible, measurable sales argument that justifies premium pricing. Faced with a competitor who is 5% cheaper but only offers Chronopost insurance limited to €7,600, you systematically win tenders from customers shipping valuable products. You're no longer in a price war over a commoditized service, you're in a differentiating field where added value takes precedence.
Testimonials from your existing customers also become a powerful sales lever. A cosmetics e-tailer who was able to immediately reimburse a VIP customer after the loss of a €1,200 gift set thanks to your express compensation becomes a natural ambassador for your offer. These success stories strengthen your reputation and facilitate the acquisition of new customers in the same high value-added sectors.
Generation of Additional Recurring Revenue
Beyond differentiation, white label insurance creates a new revenue stream for your organization. The business model is simple: for each parcel insured via your platform, you receive a commission on the insurance premium. This commission varies according to your volume and your agreement with Claisy, but typically represents an attractive net margin on a service with very low operating costs for you.
Financial simulation based on the size of your 3PL :
Profile Small 3PL (30 active customers, 15,000 parcels/month)
- Premium insurance subscription rate: 40% of customers (medium/high-value products)
- Monthly insured parcels: 6,000
- Average value per insured parcel: €150
- Estimated net commission per parcel: Variable by agreement
- Estimated additional annual revenues: several tens of thousands of euros
Medium-sized 3PL profile (80 active customers, 50,000 parcels/month)
- Subscription rate: 50% (diversified product mix)
- Monthly insured parcels: 25,000
- Average value per insured parcel: €180
- Estimated additional annual revenues: More than one hundred thousand euros
Large 4PL profile (200+ active customers, 150,000 parcels/month)
- Subscription rate: 60% (high proportion of premium customers)
- Monthly insured parcels: 90,000
- Average value per insured parcel: €200
- Estimated additional annual revenues: Several hundred thousand euros
These revenues are recurring and predictable, unlike traditional logistics revenues which fluctuate with shipment volumes. Insurance creates a stable additional cash flow that improves your overall profitability without requiring investment in physical infrastructure (no new m² of warehouse, no new vehicle). ROI is immediate from the first insured parcels.
Improving Customer Retention and Satisfaction
A customer who is satisfied with your logistics service but frustrated by insurance limitations is a customer at risk of churn. Conversely, a customer who benefits from a smooth, reassuring experience throughout the entire chain, including claims management, becomes a loyal customer and prescriber.
By offering premium insurance, you drastically reduce the post-delivery irritations that are often the cause of logistics contract termination. Your customer no longer has to juggle between your interface for logistics tracking and the Carrier 's interface for claims. Everything is centralized in your dashboard. This operational simplification improves his NPS (Net Promoter Score) towards your service.
Industry data shows that a 3PL customer using at least two value-added services (storage + preparation + premium insurance, for example) has a 35% to 50% higher retention rate than a customer using only basic services. Insurance becomes an additional anchor point that increases switching costs if your customer is considering changing provider.
Simplified operational management: Who does what?
One of the obstacles encountered by 3PLs considering offering premium insurance is the fear of additional operational complexity. With the white label Claisy model, this fear is unfounded, as the division of responsibilities is clear and optimized.
What you manage (on the 3PL side): You stay focused on your core logistics business. Your role is limited to the initial technical integration (API connection between your WMS and Claisy, carried out once with the support of the Claisy team), the commercial presentation of the premium insurance offer to your customers (sales pitch and closing integrated into your usual pitches), and the first level of customer support if one of your customers has a simple question about insurance (but you can choose to redirect directly to Claisy depending on your model).
What Claisy handles (on the insurer's side): All insurance and administrative complexity is handled in the back office. Claisy handles the automatic underwriting of insurance policies with each API call, the processing of claims declared by your customers (verification of supporting documents, contractual validation), express compensation within 48-72 hours by direct bank transfer to customers, relationship management with partner insurers and reinsurers, regulatory and legal compliance (Claisy is an ORIAS-accredited insurance intermediary), and level 2 and 3 customer support for complex questions.
In practice, your additional operational workload is virtually nil. Once the API has been integrated, the system runs on autopilot. Your teams continue to manage the logistics, while Claisy handles the insurance. You benefit from additional revenues and commercial differentiation without the constraints of an additional operational profit center to structure. It's an asymmetrical partnership model where you capture the added value without bearing the operational complexity.
Comparison table: Standard offer vs. White Label Claisy
This chart summarizes the transformation of your value proposition. You move from an undifferentiated offer constrained by carrier limits to a premium, branded, revenue-generating offer, with no additional operational complexity for your teams.
Conclusion: Turn insurance into a decisive competitive advantage
The outsourced logistics market has entered a new era, where differentiation is no longer based solely on rates per m² of storage or per parcel shipped. Your most mature B2B customers now evaluate their 3PL and 4PL partners on their ability to provide value-added services that secure and optimize their own business.
Premium parcel insurance is no longer a "nice to have" offered by a few pioneering players. It is becoming an expected standard for any e-merchant or B2B company shipping medium to high-value products. 3PLs that fail to offer a credible alternative to limited carrier insurance will gradually be relegated to the low-cost segment of low-value products.
Claisy's white label solution enables you to take this step towards maturity without the years of development, heavy investment and regulatory complexity that would be involved in creating your own insurance offering. In just a few weeks of technical integration, you can transform your value proposition and open up a new line of recurring income.
Your direct competitors may already be deploying this type of solution. Every quarter you delay is a quarter in which you lose sales opportunities to prospects who choose a 3PL offering integrated premium insurance.
The market expects this evolution. Your current and future customers expect this evolution. The question is no longer "should we offer premium insurance?" but "when are we going to roll it out so as not to lose competitive ground?".
Contact Claisy today for a personalized presentation of the white label solution tailored to your 3PL or 4PL profile, and find out how to turn friction point insurance into your next major competitive advantage.
Sources and Key Data :
- Fevad (Fédération du e-commerce et de la vente à distance) - Figures for 2024: 850 million parcels handled by French 3PLs/4PLs
- ADEME - French refurbished electronics market: 1.8 billion euros by 2024
- Premium cosmetics market France: 3+ billion euros (sector sources)
- 3PL customer retention rate with additional services: +35% to +50% vs. basic offer (logistics sector studies)
- More than one in three consumers no longer recommend a product after a poorly handled dispute (e-commerce studies)
- Average carrier compensation lead times: 60-90 days (CGV Chronopost, Colissimo, DHL 2025)
- Claisy: compensation 48-72h, Limit €100,000, extended coverage (November 2025 data)