01 — Daily management
The file arrives in pieces.
The manager spends the day putting it back together.
Claims to process, policies to underwrite, rising regulatory burden: it’s not expertise that’s lacking, it’s the time consumed by document logistics.
Claims files piling up
Declarations, friendly reports, repair invoices, expert reports, policyholder follow-ups: each file arrives in fragments—by email, post, or extranet. The manager spends more time assembling the file than processing it.
Underwriting slowed by re-entry
Questionnaires, supporting documents, quotes, delegation forms: the same information is entered three times, across three tools. This is where broker response times are lost.
ACPR, DORA, LCB-FT, DDA
Internal controls, provider registers, duty of advice traceability, and LCB-FT compliance add to daily operations. Regulatory demands grow; staffing, rarely.
Expensive, rigid market platforms
Major vendors are built for national insurers. For a mutual, a wholesaler or a delegate, the cost is high and the configuration never adapts to your specific management needs.