Your brokers sell and advise. Your inbox thinks they do data entry.
We build systems for property and casualty brokerages that read submission emails into structured intake, turn certificate requests into minutes instead of days, chase renewals before they lapse, and keep every client touch documented. Licensed people approve everything; the system does the typing.
Fictional HVAC example showing the same human-review approach.
A brokerage is a paper mill wearing a phone headset.
Walk any P&C brokerage floor and the pattern is the same. Submissions arrive as emails with PDFs attached, and someone retypes them into the broker management system. Certificate of insurance requests stack up every morning, each one urgent to a contractor waiting on a job site. Renewal lists get worked from spreadsheets, with remarketing decisions made under deadline pressure. Quote comparisons mean juggling three carrier portals and pasting numbers into a template. And every conversation needs to be documented, because in this business an undocumented call might as well not have happened.
Almost none of that is broking. It is transcription, formatting, chasing, and filing wrapped around the real work of advising clients and placing risk. It is also the reason CSRs burn out and producers spend evenings on service work instead of selling.
We build custom apps and automation for insurance brokerages in Canada. Not another portal login; systems that sit alongside your broker management system and your email, extract what arrives, draft what goes out, and keep the file complete. We take no money from any AI vendor, any carrier, or any software vendor, so every recommendation is made with only your operation in mind.
We work with property and casualty brokerages: commercial lines, personal lines, or both. We deliberately do not build systems that handle life or health information; it keeps our builds cleanly inside the data your brokerage already manages, and it keeps the compliance story simple.
Six service jobs that swallow a brokerage's week.
Every brokerage principal knows these. The question is not whether they happen; it is how many staff hours they consume before anyone notices.
Submission intake by retyping
A commercial submission arrives as an email, an ACORD form, and four attachments. Someone reads all of it and types the client, operations, values, and loss history into the BMS by hand. Twenty minutes each, dozens per week.
The morning certificate queue
Certificates of insurance are the most repetitive document in the industry, and clients need them same-day. Each one pulls a CSR away from work that actually needs judgment.
Renewals worked off a spreadsheet
The renewal list is exported monthly, worked manually, and the follow-up depends on whoever has time. Late renewal contact means rushed remarketing, or worse, a lapse and an E&O conversation.
Quote comparison assembly
Three carrier quotes in three formats, pasted into a comparison template so the client can see premium, deductibles, and coverage differences side by side. Necessary, valuable, and entirely mechanical.
Documentation debt
Every call and email should end with a note in the file. Under load, notes get thin, and thin files are what E&O claims feed on. The documentation burden is exactly the kind of typing people skip when busy.
First notice of loss chaos
A client calls about a claim, upset, from a job site or a flooded basement. Intake quality in that first conversation shapes the whole claim, but it depends on who picks up and how slammed they are.
Seven systems we build for P&C brokerages.
Concrete examples from brokerage operations. Most projects start with one queue, prove it, and expand. Everything drafts into a review step for your licensed staff; nothing binds, quotes, or advises on its own.
Submission intake extraction
Incoming submission emails and attachments are read, the client and risk details are extracted into structured fields, and a ready-to-review record is prepared for your BMS with the source documents attached. Your team verifies instead of retypes.
Certificate request handling
Certificate requests arriving by email are recognized, matched to the policy, and drafted using your existing certificate workflow, with holder details filled and flags raised when a request needs underwriting eyes.
Renewal pipeline and follow-up
Renewals surface on a rolling board weeks ahead, with drafted outreach in your voice, reminders that escalate as dates approach, and a record of every touch. Remarketing candidates get flagged early, while there is still time to shop the risk.
Quote comparison assembly
Carrier quotes are pulled into one side-by-side comparison in your template: premium, deductibles, limits, and notable coverage differences, ready for a broker to check and present.
Call and email documentation
Client conversations get summarized into file-ready notes for the BMS, in your abeyance format, with follow-ups extracted as tasks. The file stays complete without anyone typing minutes.
First notice of loss intake
A structured claims intake flow gathers the who, what, when, and photos while the client is still on the line or online, drafts the FNOL package for the carrier, and alerts the producer whose client it is.
Client portal and self-serve requests
For brokerages ready for it: a branded portal where clients request certificates, upload documents, and check status, with every request flowing into the same reviewed queues above.
Built for a licensed profession, not around it.
Insurance brokering is licensed work. In Ontario that means RIBO registration, documented client interactions, and clear accountability for advice; other provinces have their own councils and the same principle. Software that quietly answers coverage questions on its own is a liability, not a feature.
So our brokerage builds follow a strict line: the system extracts, drafts, tracks, and reminds; licensed people advise, approve, and bind. Anything that could be read as advice or a coverage confirmation waits in a review queue. And because we do not touch life or health information, the data in scope stays the commercial and personal lines data your office already handles under PIPEDA.
The same simple pricing as everything we build.
Brokerage projects usually start with the queue that hurts most: submission intake or certificates for commercial shops, renewals for personal lines books. A single-queue build often lands mid-tier; portal builds land higher.
The Plan
$750 flat
A working session on your operation, a scoped roadmap, and a real price for the build. Credited in full toward your build if you go ahead.
The Build
from $1,800
- Smart website~$1,800
- App or automation~$6,500
- Platform~$15,000
Typical landing points, not quotes. You get a fixed price before we start.
Run
from $350 / month
Optional. We host, monitor, and keep improving the system. Cancel any time; you own the code either way.
Describe your service workload: lines of business, team size, and the queue you want gone. You will get a real, fixed price in Canadian dollars within one business day.
Get my priceBrokerage questions, answered plainly.
Is using AI even allowed in a RIBO-regulated brokerage?+
Regulators license people, and hold them accountable for advice and conduct; they do not certify software. What matters is that a licensed person remains responsible for what clients receive, that interactions are documented, and that client data is handled properly. Our builds are designed around exactly those requirements: drafts queue for licensed review, every action is logged, and nothing advises on its own.
Does this replace our BMS?+
No. Your broker management system remains the system of record. We build the layer around it that your team currently is: reading inbound email, drafting outbound documents, and keeping the file complete. Where your BMS supports integration we connect directly; where it does not, we prepare ready-to-enter records and are honest about that limit before you pay for anything.
Will it answer coverage questions on our website?+
Not unsupervised, and we will talk you out of wanting that. Coverage advice is licensed work, and a chatbot confidently misreading an exclusion is an E&O claim waiting to happen. What we do build is intake that gathers the client's situation thoroughly and routes it to a broker with a drafted response ready for review.
How does this help with E&O exposure?+
Mostly through documentation and follow-up discipline. Files get consistent notes, renewal contact happens on schedule and is recorded, and the system's log shows what was sent and when. Insurance advice stays with your licensed staff; the machine just makes it much harder for something to fall through a crack.
Why P&C only? What about life and health clients?+
Focus, and clean data handling. P&C operations run on business and property data that your brokerage already manages under PIPEDA. Life and health work involves categories of personal information we have chosen to stay out of entirely, so our systems are simpler to trust and to audit. If your shop writes both, we build for the P&C side of the house.
Our submissions arrive in every format imaginable. Can extraction really handle that?+
Messy input is the normal case, not the exception: broker emails, ACORD forms, spreadsheets, and scanned schedules. The system extracts what it can with confidence, flags what it cannot, and never silently guesses. Fields it was unsure about arrive marked for human attention. That honesty about uncertainty is what makes the tool safe to rely on.
How disruptive is the rollout for a busy service team?+
Deliberately small. We start with one queue, run it alongside your current process until your team trusts the output, then cut over. CSRs do not learn a new system so much as stop doing the worst part of the old one. Larger pieces like portals come only after the basics have earned their keep.
What does something like this cost a ten-person brokerage?+
A first build focused on one workflow, such as submission intake or renewal follow-up, typically lands around the middle of our build range in Canadian dollars, with a fixed price quoted before we start. The Workflow Blueprint, our flat-fee scoping session for complex or regulated work, is credited in full toward the build.
We also build for adjacent operations:
Pick the queue you want gone, and describe it.
Submissions, certificates, renewals, or documentation. You get a real, fixed price within one business day, and a system your licensed team stays in charge of.
A real, fixed price within one business day. Based in Ontario, Canada.