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.

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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.

Every capability in full →

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.

The standard

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.

Licence

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.