Cuttleflow for Brokers

Most insurance forms ask everything up front, or ask for contact details and promise a call back, before the customer knows whether the price is worth it. Cuttleflow works the other way round. It asks only what an indicative price needs, shows that price, and asks the remaining questions only if the customer wants a firm quote they can bind. Every channel is connected to underwriting agencies’ actual rating on Cuttleflow, which is what makes the early price possible.

1. Indicative price. After a handful of questions (what the business does, where, how big and the cover wanted), the customer sees an indicative price, with the assumptions it rests on. It is clearly not an offer.
2. Firm quote. If they want to go ahead, a few confirmations (claims history, previous declines, specific hazards) turn it into a firm quote they can accept, or pass it to an underwriter.
3. Bind. Schedule details and acceptance. Then, depending on your setting for the class, you approve the bind with one click, or it binds straight away within limits the insurer has agreed.

Customers see a price before they have to answer everything. Your team receives complete, priced enquiries instead of forms to chase. Indicative prices are available where an agency on Cuttleflow quotes the product; otherwise the client’s answers become a complete submission for any market.

1. Register. Your name, email, brokerage and licence number, which we check automatically against ASIC’s registers, plus a card (nothing is charged during the beta). About three minutes.
2. Set up. Your brand and licence details, the classes you place, the insurers you have agreements with, and your bind setting for each class.
3. Set up Client Acquisition. Choose your own channels: signed links for your emails, newsletters, social posts, ads and QR codes; a live indicative price in the proposal forms you send; your website; partners through the API; AI assistants through your own MCP address; and your CRM or broker system. When public marketplace leads open, choose the industries and states you want leads for.
4. Follow every result. Send questionnaires to your existing clients, and see every lead, price and bind by channel, through to the bound policy.

Grow your revenue from existing clients

Your renewal list already holds your best new business. Upload it from your broker system, and each client’s business is matched to an industry by the industry lookup, showing which covers they hold and which they don’t. Choose who to contact and send them a questionnaire in your name, pre-filled with what you already hold. Clients see no underwriters’ names or product suggestions. You choose whether they also see a live indicative price as they answer. Your team reviews the answers, advises, and submits. A small group not contacted shows the revenue the renewal tool added.

Submissions and quotes

Submit to underwriting agencies on Cuttleflow from one set of answers, for an instant quote or an underwriter’s review. Firm quotes are shown side by side with their key terms, ordered by price and never by commission. Anything no participating agency covers becomes a complete submission you can place with any market.

Indicative quote to bound policy, on every channel

Signed campaign links, the proposal forms you send, your website, partners through the API, and AI assistants through your own MCP address all lead to your page, where the client sees a firm quote from a named insurer and accepts it. You write and run your own campaigns; we provide a short guide on what a campaign may say about price. You can see the channels in the Marketplace demo.

Your own channels

Signed links for your emails, newsletters, social posts, ads and QR codes; a live indicative price in the proposal forms you send; the quote on your own website; partners through the API; AI assistants through your own MCP address; and your CRM or broker system. Every lead from these channels is yours alone and finishes on your page.

Leads from the public marketplace (in development)

The public marketplace is a website for businesses. A business types what it does, or browses an industry such as professional services, trades, health or hospitality, and sees the covers businesses like it usually need. It answers a few questions and sees an indicative price range from insurers that publish indicative rates. If it wants a firm quote, it is shown the name of one broker and asked to agree to be referred.

• Subscribe by industry and state. Choose the industries you place, the states you cover, and the most leads a month you can handle. Pause at any time.
• One broker per lead. Each request goes to one subscribing broker, named to the business before it agrees. It is never sold to several brokers.
• Priority leads. Requests arrive at the top of your work with the business’s answers, the covers it chose, the indicative price it saw and its consent record, and a one-hour response timer. Your team makes contact, sends the full proposal with the answers already filled in, and places it with markets as a normal submission.
• A response standard. Subscribers agree to make first contact within one business hour. A lead not contacted within two business hours may be offered to the next subscriber, where the business agreed to that.

In development

• Website kit. Put a business insurance enquiry form on your own website in about ten minutes: licence checked, your brand read from your site, and the compliance wording added for you. Enquiries go only to you.
• The Cuttleflow app. One app for iPhone and Android, for brokers and underwriters. Brokers are notified as soon as a business asks for them, and can call, log first contact and send the proposal form from the phone.
• Connect Xero. A business can fill in its turnover, staff and equipment from its Xero accounts, read-only, instead of typing them.

You can see both sides in the Marketplace demo: the public website as a business sees it, and Client Acquisition and Priority leads as a broker sees them.

More about Client Acquisition →

A builder can’t start on a site until the head contractor or client has a certificate of currency for public liability, and many contracts also require the works to be insured. That deadline is when the builder looks for cover.

• Where they find it. A link in your email to builder clients, a builders’ association newsletter, or your own website opens your page, with public liability and contract works already selected.
• What they see first. The covers a builder needs and why, including which are compulsory in their state, from the industry lookup.
• What they answer. About a dozen plain-language questions: the kind of building work, state, turnover, staff and subcontractors, licence, the largest current contract, the limit required and who must be named, and claims history. Each answer is asked once and serves public liability, contract works and any tools cover.
• What happens next. Where an insurer on Cuttleflow publishes indicative rates for the risk, the builder sees an indicative price, then firm quotes side by side, and can accept. Under your bind setting, you approve with one click or it binds within the insurer’s limits, and the certificate is issued. Otherwise your team receives a complete submission to place with any market.
• What your team sees. The answers, which other covers fit (for example tools, motor or management liability), and the deadline the builder is working to.

You choose, for each class:

• Indication only. The client sees a price, and you take it from there.
• Firm quote. The client answers the remaining questions, and you present the named quotes.
• You approve each bind. The client accepts, and you approve with one click. This is the default.
• Online bind within limits. Only where the insurer has agreed to it in writing, and only within the limits it sets. Anything outside them comes to you.

Whichever you choose, the bind finishes on your page, which carries your name, AFSL number and complaints path. AI assistants and partners’ systems hand the client to that page; they never bind.

• A credit card at registration (nothing is charged during the beta).
• Someone to reply to enquiries within 15 minutes in business hours.
• If you advertise: Google Ads or Meta accounts in your brokerage’s name, with financial services advertiser verification (authorised representatives’ licensees apply for it; we provide the steps). You write and run your own campaigns; we provide a short guide on what a campaign may say about price.

• Cuttleflow for Brokers is free during the beta.
• After the beta, we may charge a flat monthly fee. It will never depend on the number of policies you bind or the leads you receive.
• 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, and the subscription does not change the premium they pay.
• Submitting to underwriting agencies on Cuttleflow, and receiving their quotes, does not cost anything.
• We ask for a credit card when you register. Nothing is charged during the beta. We will give you at least 30 days’ notice before charging starts, and before any price change, and you can cancel at any time.