Quote broker submissions the day they arrive.
Klarefi is the AI intake agent for MGAs. It reads what the broker sends in, asks them for what is missing and drafts the quote. Your underwriter decides.
One submission, from the broker's email to the quote.
An example. The names and numbers are made up, and the buttons work.
09:14
Submissions start in your inbox.
A submission comes in by email or through the form on your site. Klarefi replies with your own submission form, with what the email already said filled in.
Jeroen de Wit09:14Property submission for Brouwer Metaal
Hi, attached is a new property submission for Brouwer Metaal. The statement of values and four years of loss runs are included.
Statement of values.pdfNorthfield Underwriting09:17Hi Jeroen, thanks for the submission. This form is the fastest way to a quote, and what you sent us is already filled in.
Open the submissionSent by Klarefi for Northfield Underwriting
09:26
Klarefi asks the broker for the rest.
Klarefi reads each document as it comes in. When something is missing or unclear it asks the broker in the same conversation, so your team does not have to go back to them days later.
I have read the application and the statement of values. The loss runs cover four years and we need five. Could you upload 2021?
Here it is.loss-run-2021.pdfThanks Jeroen, that is everything we need.
09:31
Every fact links to its source.
Each fact read from a document carries the sentence it came from. Click it and the document opens on that line. When Klarefi cannot find a fact it marks it as missing and never fills in a guess.
How to review a cited case fileStatement of values.pdf · p.2- Total sum insured
- 4,200,000
- Building
- 2,900,000
- Contents
- 1,300,000
- Year built
- 1998
Total sum insured1 source€4,200,000
Reasoning
Building and contents together, from the statement of values.
Evidence
Total sum insured 4,200,000
Statement of values.pdf · p.2
09:32
Your checks run before the quote.
You write the checks once per line of business, in plain sentences. Klarefi runs them against the facts and against your own systems. A check that is not met stays visible in the file until a person has looked at it.
What a complete broker submission looks likeVerify2 of 3 met- Met
Loss runs cover 5 years
2021 to 2025, from the loss runs
- Met
Insured name matches the company register
Brouwer Metaal B.V.
- Not met
Sprinkler certificate under 12 months old
Issued 3 August 2024
09:40
Klarefi drafts the quote.
Klarefi fills in your own quote letter with the facts and the numbers your rules calculate. Your underwriter reads it, changes what they want, and sends it or declines. That decision always stays with a person.
- To
- jeroen@dewit-assurantien.example
- Subject
- Your quote from Northfield Underwriting
Hi Jeroen, based on a total sum insured of €4,200,000 we can offer Brouwer Metaal property cover at a premium of €9,870 a year with a deductible of €5,000. The quote stands until 24 October 2026.
Quote.pdfMonthly
See where submissions stop.
Analytics shows how many submissions became quotes, how long each step took, and where the rest stopped.
Where the time goes, intake to quote
Your team holds a case for 3 h 40 min of the 6 h 02 min.
- The form12 min
- Completing the file2 h 10 min
- Your team3 h 40 min
Example figures, not customer results.
Where Klarefi fits in your systems.
An MGA runs on a handful of systems, and most of them start once the risk is in the policy system. Before that, someone reads the broker's email, the application, the loss runs and the statement of values, and chases what is missing. Klarefi is the software for that step.
Submission intakeKlarefi
Receives broker submissions, reads the documents, and gets the file ready before an underwriter picks it up. This is where Klarefi works.
Underwriting workbench
Brings the risk, the underwriting rules, and referrals together on one screen.
Rating
Turns risk details into a premium, inside the policy system or in a spreadsheet.
Policy administration
Quotes, binds, issues, and services policies. It holds the policy record.
Bordereaux and reporting
Reports written business and claims to the insurer that provides the capacity.
Claims
From the first notice of loss to settlement, often with a third-party administrator.
What to look for in submission intake software.
Every fact cites its source
An underwriter should see the page and quote behind each value, so a sum insured can be checked in one click.
It follows up with the broker
Missing and unclear items get asked for while the broker is submitting, in their words, and the answers land in the same file.
Your requirements, your lines
You set the facts each line of business needs and the checks they must pass. The software should not force a fixed form on your brokers.
It hands off cleanly
The finished case file reaches your policy administration system or workbench through an API or webhook, with the sources attached.
Data stays where it must
Documents and case files stored in the EU by default, and the option to run it in your own cloud when your capacity provider asks for it.
The underwriter decides
The software prepares the case and shows what is still open. The decision on the risk stays with your team.
Underwriters decide. Klarefi logs every step.
Security and data processingEvery document fact is cited
Each fact read from a document keeps its source, from the page to the quote.
A person decides
Klarefi prepares the file. Your team sends the quote or declines.
A full audit trail
Each question, check and decision lands in an audit trail that nobody can edit.
Your cloud or ours
Use the hosted service, or run Klarefi inside your own cloud.
Questions MGAs ask.
Try Klarefi on the form brokers use today.
Free to start, no credit card.