Pricing
We build the platform once. You pay for what you use.
Underwriting agencies pay for their product and its workflow through Cuttleflow Go, and separately for distribution through the Marketplace once a class opens. Brokers place for free. Each charge says what it buys.
1.5%
of gross written premium placed through Cuttleflow Go
- Base premium, excluding GST, stamp duty, levies and broker fees
- All GWP: new business, renewals and endorsements
- $250 a month minimum per live product
- $1,000 application fee per product, refundable within 30 days
Free during the Beta testing period
After Beta, a separate charge for distribution, set and published before each class opens, with at least 60 days’ notice. It covers access to the brokers in the class; the Cuttleflow Go fee covers your product and its workflow.
Placing is free
Your own acquisition channels are free during the beta. Public marketplace leads: a flat monthly fee per industry when they open, not tied to leads received or policies bound. At least 30 days’ notice before any charge.
Nothing to pay
Businesses pay nothing to use the public marketplace, and a broker’s subscription does not change the premium they pay.
All prices in Australian dollars, excluding GST, and subject to the online terms. Add-ons such as cash reconciliation and further bordereaux are priced separately.
Why we price this way
Platform, not product
One platform, not a product per client
One rating engine, one standard wording and question set per class, one workflow. A new Cuttleflow Go product is settings, so there is no build project to charge for.
The fee follows your premium
You pay more when you write more, and little while the book is small. The minimum covers the cost of running a live product.
Two charges, two things
Cuttleflow Go pays for your product and its workflow. The Marketplace charge pays for distribution, and only once your class is open.
Brokers bring the deal flow
Placing is free, so more brokers place on the standard and more submissions reach the agencies who pay.
Founding Market Partners
At least three per class, for commercial business through brokers
Founding Market Partners help establish the Marketplace for their class and receive founding terms for an agreed period. What they receive, and how to apply →
Your own wording, rater or schedule starts with a fixed-fee discovery session. It tells you whether your product fits Cuttleflow Go or needs a separate build on the full platform, and what that would cost.
Questions
Will I pay twice?
No. The Cuttleflow Go fee covers your product and its workflow. The Marketplace charge, when it starts, covers distribution to the brokers in an open class. Each is published separately.
Am I locked in?
You accept our online terms when you apply, and we give at least 60 days’ notice of any change to our fees. You can take your data out in ordinary file formats at any time.
Can I use Cuttleflow Go for retail products?
Yes, with Cuttleflow’s drafted PDS and TMD and the relevant AFSL, at the standard price. Retail products are outside the founding terms.
What about the full platform?
Agencies running their own wordings and raters on the full platform pay a subscription priced by the size of the book. The platform →