Client Acquisition

1. Your own channels. Your clients and prospects get an indicative price where they already are, then a firm quote they can accept on your page.
2. Leads from the public marketplace. Businesses that search the Cuttleflow public marketplace by what they do, see an indicative price and ask to be referred are sent to one subscribing broker. In development.
3. Priority leads. Each referred business arrives at the top of your work with its answers, the price it saw, its consent and a one-hour response timer, and goes on to markets as a normal submission.

• Email, newsletters, social posts, ads and QR codes. A signed link for each campaign opens your page with the industry and covers filled in. For existing clients, the answers you already hold are filled in too.
• The proposal forms you send. Switch on a live indicative price for each form. It updates as the client finishes each section, and you see any answer changed after a price was shown.
• Your website. The industry lookup and the price on your own site, limited to the web addresses you list. The website kit, in development, will set this up for you.
• Partners, through the API. For example, an association’s member site. Every call uses your key.
• AI assistants, through MCP. Your own MCP address lets an AI assistant find the covers a business needs and get your indicative price, then hand the client to your page.
• Your CRM or broker system. Every lead, price and bind is sent as it happens, or exported as a file.

For each class you choose what a client can do: see an indication only, get a firm quote, accept and wait for your one-click approval (the default), or bind online within limits an insurer has agreed in writing.

Website kit

A business insurance enquiry form on your own website, set up in about ten minutes without a web developer.

1. Register. Enter your firm and licence number, and we check them against ASIC’s register. If you are an authorised representative, you get a one-page approval pack for your licensee.
2. Brand. Enter your website address. Your logo, colours and font are read from it, and you can change them.
3. Industries. Tick the industries you place. Each brings its occupations and the covers businesses in it usually need.
4. Compliance. Add links to your Financial Services Guide, privacy policy and complaints process. The general advice warning, your AFSL number, the consent boxes and the collection notice are added to the form for you.
5. Install. Choose a hosted page with a link and QR code, an add-on for WordPress, Wix or Squarespace, one line of code, or your own subdomain with one DNS record.
6. Test and go live. Send a test enquiry, check it arrives in Priority leads, then switch the form on.

Every enquiry from your website goes only to you.

The Cuttleflow app

One app for iPhone and Android. Brokers and underwriters sign in with the same Cuttleflow account they use on the desktop.

• Brokers get a notification as soon as a business asks for them, with the time left to make first contact. From the phone they can call or email the business, log the first contact, send the proposal form, invite guest underwriters, and show their enquiry page as a link or QR code at a meeting.
• Underwriters get new submissions that match their appetite rules, and can approve or refer up the risks referred to them.
• Comparing quotes, quoting and binding stay on the desktop.

Connect Xero

A business that uses Xero will be able to fill in its turnover, staff numbers and equipment from its accounts instead of typing them. It signs in to Xero and approves read-only access to those figures only; bank transactions, invoices and contacts are not read. You see which figures came from the accounts. The same connection is planned for MYOB and QuickBooks, and for proposal forms you send to your own clients.

What the business sees

1. A search for what the business does, or twelve industries to browse: professional services; technology and digital; consultants, freelancers and trainers; trades and construction; property and real estate; health and allied health; retail and online stores; hospitality and food; fitness, beauty and wellbeing; manufacturing and wholesale; transport and logistics; clubs, associations and not-for-profits.
2. The covers businesses like it usually need, and why, from the industry lookup. Industries follow ANZSIC 2006.
3. An indicative price range, after a few questions and before any contact details, from insurers that publish indicative rates, with the assumptions shown. A range is shown only when two or more insurers price the risk.
4. The name of one broker, with the broker’s Financial Services Guide. The business agrees to be referred, and separately to be contacted, before anything is sent.

What you choose

• The industries you place and the states you cover.
• The most leads a month you can handle. Pause at any time.
• Agreement to the response standard: first contact within one business hour, or at the time the business chose.

How leads are shared

• Each lead goes to one broker only. It is never sold to several brokers.
• Industry and state must match. Where several brokers subscribe, leads rotate in turn, up to the most each has said it can take, and by response record. Allocation never depends on how much a broker pays.
• A lead not contacted within two business hours may be offered to the next subscriber, where the business agreed to that.
• A lead with false contact details, or for a class you did not choose, is credited if you report it within 72 hours.

• What arrives. The business, its industry and occupation, state, turnover band, staff and claims answer; the covers it chose and the indicative price it saw for each; how and when it wants to be contacted; and its consent record with the wording version and time.
• A response timer. Each lead shows the time left to make first contact, and changes colour as the hour runs out.
• A normal placement. Log first contact, send the full proposal with the answers already filled in, and send it to markets on the standard wording. From there it is an ordinary submission: quotes compared side by side, then bound.
• Results. Leads received, median time to first contact, the share contacted within an hour, and leads bound, for each industry.

• Your own channels are part of Cuttleflow for Brokers, which is free during the beta.
• When public marketplace leads open, each industry you subscribe to will have a flat monthly fee. It will not depend on the number of leads you receive or policies you bind.
• Businesses pay nothing to use the public marketplace, and a subscription does not change the premium they pay.
• We will give you at least 30 days’ notice before any charge starts or changes.