Cuttleflow Go · for underwriting agencies
Launch, distribute and grow a product on the standard.
For underwriting agencies, MGAs, Lloyd’s coverholders and insurers. Your own rates and rules on the open Commons wordings, the workflow to write the business, and distribution to brokers through the Cuttleflow Marketplace. No build project.
Included in Cuttleflow Go
Everything you need to write the business, from the broker’s email to the insurer’s report.
The system prepares the work; the underwriter makes every decision. Fixed rules decide eligibility, authority and price, the same way every time.
01 · Submissions in
Submission inbox
Broker emails to your Cuttleflow Go address, portal submissions and Marketplace risks arrive in one inbox. Attachments are read and the risk is set up without re-typing.
Triage
Each submission is sorted before you open it: in appetite, needs referral, or outside appetite, with the broker matched from the sender’s email address.
Checks done for you
ABN against the Australian Business Register, sanctions lists, and retail or wholesale client classification, each kept on file.
02 · Rules and pricing
Deterministic rule builder
Set what you accept, what needs referral and what you decline, as rules rather than code. The same risk gets the same answer every time, and every version is kept.
Your rates as settings
Rate tables, loadings, discounts and limits entered as settings, or loaded from the Excel workbook you already price from.
Authority limits
Each underwriter’s limits are enforced at the time. Anything beyond them goes to a manager for approval automatically.
03 · Quote and bind
Automated quoting
Risks inside your rules and authority are priced and quoted to the broker without manual handling. Anything else is referred to an underwriter.
Workflow and referrals
Referrals, approvals and next steps move through queues, so nothing waits unnoticed. Every action is recorded.
Documents in your name
Quote schedule, policy schedule and certificate from your templates, with taxes and levies shown line by line.
04 · After the bind
Changes, cancellations and renewals
Mid-term changes priced and documented; renewals brought forward for review rather than re-typed.
Bordereaux and reports
The insurer’s bordereau from the same records, plus submission, quote, bind, referral and rate change reporting.
A record that cannot be altered
Every step is written down before it takes effect; a correction sits beside what it corrected.
Available on Cuttleflow Go
Eight product groups, 25 classes, all on the Commons wordings
| Product group | Classes | Business |
|---|---|---|
| Professional indemnity | Professional indemnity, Financial services professional indemnity, Technology liability | Commercial |
| Management liability, D&O, crime and cyber | Directors and officers, Side A D&O, Management liability, Investment managers, Comprehensive crime, Cyber | Commercial |
| Medical | Allied health, Medical establishments | Commercial |
| Liability and construction | Public and products liability, Construction all risks and liability | Commercial |
| Business, property and cargo | Business package, Strata, Marine cargo | Commercial |
| Motor | Commercial motor, Private motor | Commercial and retail |
| Accident and travel | Personal accident and sickness, Group personal accident and sickness, Corporate travel, Travel | Commercial and retail |
| Home and landlords | Home and contents, Landlords | Retail |
Retail classes use Cuttleflow’s drafted PDS and TMD and need the relevant AFSL. The Commons wordings are working drafts, subject to legal review. Your own wording or rater is a separate project, starting with a fixed-fee discovery session.
One standard, your own pricing
The standard wording and question set; your own rates, rules and extensions. A few questions of your own, each with a reason brokers can see.
You keep your licence and capacity
You quote and bind under your own AFSL or authorisation and your own binding authority. Cuttleflow is software.
Our AI
Runs in Microsoft Azure in Australia, makes no decisions in the quote or bind path, and only summarises and researches.
Founding Market Partners
Help establish the Marketplace for your class
At least three agencies per class, writing commercial business through brokers. More may be admitted where a class needs more depth.
- Early access to the standard wording and rating framework
- A say in the design of the class
- Founding commercial terms for an agreed period
- Priority onboarding
- Founding market status on the platform
- Early access to broker distribution when the class opens
You join the Marketplace for the class when it opens, on commercial, regulatory and operational terms agreed with you. Your underwriting rules and discretion apply to every submission.
Cuttleflow Go fee: 1.5% of gross written premium (base premium, excluding GST, levies and broker fees) on new business, renewals and endorsements, with a $250 monthly minimum per live product. A $1,000 application fee per product, refundable within 30 days. AUD, excluding GST. Pricing in full →