What the system does.

Reading the completed form

A filled-in proposal form goes in and the details come out as proper data — with a note on how sure the system is about each one, so a person can check anything doubtful.

Straight from an email

A broker’s email turns into a new enquiry by itself: the attachments are read and the risk is set up ready to look at.

Typing it in by hand

When it is easier to just type it in, the form only asks the questions that product needs.

Knowing which broker sent it

Matched to your broker records from the email address it came from. Never guessed at.

A written summary of the risk

A plain-English write-up prepared for the underwriter, where every figure shows which document it came from.

Checking the business exists

The company’s ABN is checked against the Australian Business Register, so you know you are insuring who you think you are.

Which kind of client this is

The law treats everyday customers differently from large businesses, and the paperwork you owe them differs too. The system works out which this is and shows why.

Checking against sanctions lists

There are people and companies it is illegal to insure. Everyone is checked against the official lists before cover can start, and the check is kept on file.

Will this need approval?

You are told up front whether this risk is one you can price yourself or one that needs a manager’s sign-off. No surprises at the end.

Calculating the premium

The sums are set up by you and run the same way every time — and can be run again later to get the identical answer, to the cent.

Government taxes and charges

GST, stamp duty and the fire services levy differ by state. Each is worked out separately and shown as its own line, so nothing is buried in the total.

Discounts and extra charges

An underwriter can move the price up or down within their own limits. Beyond those limits it needs a manager to agree, and the system asks for that automatically.

The policy documents

The policy schedule and certificate are produced from your own templates, filled in from the record.

One record for the whole policy

Everything that ever happens to that policy stays on one record, from the first quote onwards.

Changes during the year

When a client’s circumstances change, the adjustment is priced, documented and recorded properly.

Cancelling a policy

The refund is worked out on whichever basis the policy says, and the reason for cancelling is recorded.

Renewing next year

You are reminded when a renewal is due, and last year’s details are brought forward for you to check rather than typed again.

Reporting a claim

The first report of a claim is taken down in full, and the system checks nothing needed is missing.

Sorting and tracking

Claims are sorted by what they need and tracked so nothing sits waiting unnoticed.

Reading and sorting the form

It reads the form, puts each answer where it belongs, and flags anything it is unsure about for a person to confirm.

Writing the summary

It drafts the write-up of the risk and shows, for each fact, the document it came from.

Summarising long documents

Long attachments are boiled down to the important points. The originals are always kept.

Building the question list

Give it an existing proposal form and it turns it into the list of questions your product will ask, compared against the questions you already use elsewhere.

Suggested next steps

It suggests what to do next on a file, each one a single click. Every action taken is recorded.

Turning a spreadsheet into a price list

The Excel workbook you already price from becomes the live pricing set-up, with every version kept.

Every version kept

Once a version is live it cannot be altered, and every policy stays attached to the version it was written on — so you can always see the exact terms that applied.

One shared set of questions

Ask for a company’s turnover once and every product uses the same question, so the answers can be compared across your whole book.

The rules about what you will write

What you will and will not accept, and what needs approval. These rules decide — the same way every time — and every version is kept.

The pricing

Your rate tables, extra charges, discounts and limits, entered as settings rather than written into software.

What is covered, and the wording

The sections of cover, the limits within them, and your approved wording, all held in one place.

Your document templates

The schedules and certificates for each product, kept with the version they belong to.

The insurer’s report format

Set up once, as part of the product, so the monthly report to the insurer comes out in the format it expects.

Your list of brokers

One searchable list of every broking firm you deal with, and control over who is allowed to add a new one.

Groups and networks

Broking firms sit inside branches, which sit inside groups and networks. The system understands that, so you can see how much business comes from a whole group, not just one office.

A website for your brokers

Brokers can send in business themselves and check where it is up to, instead of ringing or emailing to ask.

The monthly report to the insurer

An agency writing on an insurer’s behalf must send it a monthly list of the business written and the premium taken. It is produced from the same records the policies were written on, in the standard format the market uses.

When you need another insurer

Planned: a link into the proposed Cuttleflow Marketplace for a risk that does not fit your own authority and needs a wider search.

A record that cannot be altered

Every step is written down before it takes effect, and nothing can be changed afterwards. A correction goes in as a new line pointing at what it fixed.

Who is allowed to sign what

Each underwriter has limits on what they can agree to. The system stops them going past those limits at the time — rather than someone finding out in an audit later.

Sanctions checks

A legal requirement before cover can start, with the check kept on the file as proof.

Different access for different jobs

Brokers, underwriters at different levels, managers, auditors and administrators each see only what their job requires.

Signing in with your work account

Staff sign in with the same account they use for everything else at work — no separate password to manage.

Your data kept separate

Each agency’s information is held entirely separately, with tenancy enforced on every record.

Invoicing

The premium, the commission, any fees and all the taxes on a single invoice.

Matching payments to invoices

Money that comes in is matched back to the invoice it belongs to, so the month closes itself instead of being closed by hand.

Who discounted what

Every discount and extra charge across the whole book, and which underwriter applied it.

How the business is doing

What is in the pipeline, how much of it you win, and totals across your reporting and invoicing.

Each customer’s data kept apart

Tenancy is enforced on every record, so the platform is built to keep one customer’s data from ever being returned to another. Backed up continuously and restorable to an earlier moment.

Your data stays in Australia

Information is held in Australian data centres and does not leave the country.

Tested before it reaches you

Every change goes through separate testing stages before it ever touches the live system.

Every update recorded

Each update is a numbered, unchangeable package that has to pass a check before it goes live — and can be rolled back.

No downtime for updates

Updates are applied without taking the system offline, and a backup is taken first every time.

Passwords and keys kept safe

Held in a secure store, never written into the software itself.

Monitoring

The system is watched continuously and keeps detailed logs, so problems are found before customers notice them.

Controlled access for automation

Anything automated works in a walled-off area, tagged to one customer, and cannot reach beyond it.

The Australian Business Register

Confirms the company being insured really exists, from its ABN.

Address checking

Addresses are checked against the national address database, so a property is where you think it is.

Reading scanned documents

Pulls the information out of scanned and photographed forms.

Sanctions lists

A connection to the official lists of people and companies it is illegal to insure.

Reporting to the insurer

The monthly report goes out in the standard format the market expects.

Your email

Broker emails come straight in as new enquiries, and letters go out from the file.

Broker software

Direct connections to the software broking firms already use.