Automation for
insurance broking.

Insurance broking

Broking revenue is annuity shaped. The book you keep is worth far more than the book you win, and the difference between the two is almost entirely process. A renewal worked ninety days out renews. One remembered at thirty days becomes a comparison exercise.

The second structural leak is coverage. Clients buy what they asked for and stay underinsured in the areas they never thought to mention, which is a revenue gap and a claims risk at the same time.

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Where the money leaks

• Renewals worked late, or not at all
• Coverage gaps nobody had time to review
• Claims where the client chases the broker for status
• Policy documents collected by hand, repeatedly
• Growth in a client's business that never triggers a coverage review
• Lapsed policies that nobody notices for months

The renewal ladder, run properly

Ninety, sixty, thirty and ten days out, each step drafted with the value actually delivered that year attached: claims handled, cover added, premium outcomes achieved.

A renewal conversation that opens with evidence is a completely different conversation to one that opens with a number.

Coverage gaps surfaced from what you already hold

Existing policy data, plus the client's industry and size, produces a ranked list of likely gaps and cross sell opportunities. The broker decides what to raise. The system only makes sure nobody has to remember to look.

Claims that update themselves

Status tracked at each stage and the client updated without the broker chasing the insurer first. Claims are where brokers earn the next renewal, and where silence quietly costs them one.

Where we would start

The renewal ladder, without much argument. It protects revenue that already exists, the deadline data is already in the system, and the result is measurable against last year's lapse rate rather than against a projection.

Coverage gap review is the natural second build, because by then the policy data is already structured and the marginal cost of reading it for opportunity is small. Claims status automation follows, and it is the one clients notice most.

New business automation deliberately comes later. A brokerage that is still leaking renewals does not have a new business problem worth solving first.

Common questions

We already have a broking platform.

Most do, and it usually handles policy administration well and lifecycle poorly. We build the lifecycle layer around it and read from it rather than replacing it.

Can it quote?

No, and it should not. It prepares the renewal and the comparison so the broker's judgment goes into the recommendation rather than into the assembly.

What about clients who never respond?

The ladder escalates from email to a broker task to a call, and stops the moment a human takes it over. Silence becomes visible instead of being mistaken for agreement.