Onlia Holding Inc., a new joint venture between Achmea Group and Fairfax, launched on December 12, 2018 in Ontario. It is committed to making Canadian roads the world's safest. As a champion for safety, Onlia's vision is to create a safer world that rethinks the role of insurance. At Onlia, safety comes first and insurance is a close second. This extensive case study describes building the interaction for a completely new insurer: successes and lessons learned.