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  "sourcesContent": ["import{jsx as e,jsxs as t}from\"react/jsx-runtime\";import{Link as r}from\"framer\";import*as i from\"react\";export const richText=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Let's ditch the jargon and talk about the real problem facing insurance brokers today: outdated processes that are slowing everything down. After a year of building software for brokers, we've seen firsthand how manual workflows, static PDFs, and clunky systems create a mountain of unnecessary work. This leaves brokers with less time to focus on what truly matters: helping clients understand their risks and find the best coverage.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:'Enter \"connected insurance\"'}),\" \u2013 a smarter way of working that streamlines the flow of data between brokers, insurers, and clients. Forget the buzzword; this is about real solutions with tangible benefits.\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Here's what connected insurance looks like in action:\"})}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"No More Data Entry D\\xe9j\\xe0 Vu:\"}),\" Imagine entering client details once and having that information automatically populate across all systems and documents. Say goodbye to repetitive admin and hello to efficiency!\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Clients Will Be Amazed:\"}),\" By integrating data from external sources, brokers can gain a comprehensive view of their clients from the get-go. This leads to a more personalised experience and faster service.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Automation is Your New Best Friend:\"}),\" Tedious tasks like updating policy documents and requesting quotes can be automated, freeing up valuable time for brokers to focus on client needs.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Real-Time Collaboration Made Easy:\"}),\" Brokers and underwriters can work together seamlessly with shared access to the same information, including draft quotes and coverage suggestions.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Transparency Builds Trust:\"}),\" Clients can stay informed throughout the entire process with real-time updates and access to their information through client portals.\"]})})]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Sticking with the status quo has real consequences:\"})}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Overworked and Underwhelmed:\"}),\" Brokers are drowning in paperwork, with administrative tasks taking precedence over client interaction.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Growth Stalled:\"}),\" Scaling a brokerage becomes challenging when manual processes limit efficiency and capacity.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Renewal Nightmares:\"}),\" Missed deadlines and lost clients become a real risk when renewals are managed manually.\"]})})]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Connected insurance empowers brokers to:\"})}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Scale with Ease:\"}),\" Automation allows smaller teams to handle increased business volume without sacrificing service quality.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Boost Client Satisfaction:\"}),\" Transparency and data-driven insights create a more personalised and efficient client experience.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Retain Clients Effortlessly:\"}),\" Seamless renewals, powered by readily available data, improve client retention and loyalty.\"]})})]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"A Success Story:\"})}),/*#__PURE__*/e(\"p\",{children:\"One brokerage we worked with transformed their operations by automating their quoting process, integrating third-party data, and generating quotes automatically using insurer APIs. The result? They've nearly doubled their producers capacity and significantly improved their client experience.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"The Future is Connected:\"})}),/*#__PURE__*/e(\"p\",{children:\"Connected insurance isn't just a trend; it's a necessary evolution for the industry. By embracing technology and streamlining workflows, brokers can focus on building relationships, providing valuable advice, and growing their business. This is the future of insurance, and it's an exciting time to be a part of it.\"})]});export const richText1=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"In the world of insurance broking, efficiency is key.\"}),\" And one of the biggest drains on your brokerage's time and resources is re-keying data. Think about it: once client information exists in digital format (like an online form), why should you waste time manually entering it again elsewhere? At Recorder, we call this \\\"data entry redundancy,\\\" and it's a surprisingly common problem in the insurance industry.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"The Scenario:\"}),\" A client fills out an online application form. That data is then printed or exported to client onboarding document, but then the same data is manually re-keyed into multiple insurers portals and finally re-keyed again into your policy management system too. Sound familiar?\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Why is this such a bad idea?\"})}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Wasted Time and Money:\"}),\" Re-keying client data is inefficient and costly. It's literally paying someone to perform an unnecessary task, taking valuable time away from client interactions and revenue-generating activities.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Increased Errors:\"}),\" Every time data is manually entered, the risk of errors increases. Re-keying doubles (or even triples!) that risk, potentially leading to incorrect policy details, premium miscalculations, client dissatisfaction and broker E&O risk.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Compliance Headaches:\"}),\" Maintaining accurate client data is crucial for regulatory compliance. Re-keying introduces unnecessary risk and makes it harder to demonstrate data accuracy and consistency during FCA audits.\"]})})]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"The Solution:\"})}),/*#__PURE__*/e(\"p\",{children:\"Modern technology offers solutions to eliminate manual data entry. Many online forms and CRM systems can integrate directly with broker management systems, allowing for seamless data transfer. Explore API integrations and automation tools to streamline your workflows.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Recorder's Recommendation:\"})}),/*#__PURE__*/e(\"p\",{children:\"Analyse your brokerage's data workflows. If you find client data being re-keyed, prioritise finding an automated solution. Not only will this save time and money, but it will also improve data accuracy, enhance compliance, and free up your team to focus on what matters most: serving your clients.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Need help streamlining your insurance brokerage's data processes?\"}),\" \"]}),/*#__PURE__*/e(\"p\",{children:\"Recorder can help. Contact us today for a consultation\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(r,{href:\"https://www.recorder.tech/contact\",nodeId:\"v_Ak1omlQ\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"https://www.recorder.tech/contact\"})})})]});export const richText2=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"In commercial insurance, that first conversation with a prospect is pivotal. When you\u2019ve already gathered their basic detail like their company name, business type and turnover through a digital lead capture form, you can focus on what really matters: understanding their risks and tailoring solutions. Instead of spending time on small details, you\u2019re jumping straight into discussions about exposures, coverage options, and how you can help protect their business.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"strong\",{children:\"Efficiency and Stronger Client Relationships\"}),/*#__PURE__*/e(\"br\",{}),\"A well-designed digital capture process not only saves you time but creates a more professional, streamlined experience for your clients. It allows you to be more prepared, more knowledgeable, and focused on high-value discussions from the start.\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Delivering a Professional First Impression\"}),/*#__PURE__*/e(\"br\",{}),\"With the essentials already in your system, you can have a more meaningful conversation, setting the tone for a long-term partnership. Clients don\u2019t want to repeat basic information\u2014they want to feel like their needs are understood from the very beginning. By capturing their information digitally, you demonstrate efficiency and expertise.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"strong\",{children:\"More Accurate Data Collection\"}),/*#__PURE__*/e(\"br\",{}),\"One of the added benefits of digital lead capture is the accuracy it brings. By automating the process and allowing clients to fill out details themselves, you reduce the risk of human error that can occur with manual data entry. This means less back-and-forth and a more streamlined experience for both you and the client.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"strong\",{children:\"How Recorder Can Help\"}),/*#__PURE__*/e(\"br\",{}),\"Recorder\u2019s digital lead capture tools allow you to gather all the important information upfront, enriched with data from sources like Companies House. By the time you\u2019re ready to have that first call, you already have the insights you need to talk business, not basics.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"strong\",{children:\"Conclusion\"}),\" At the end of the day, commercial insurance is about relationships, and first impressions count. A digital journey that automates the capture of basic details lets you focus on what really matters - helping clients protect their business. It\u2019s a simple change that can make a big difference in how clients view your professionalism and expertise.\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})]}),/*#__PURE__*/e(\"p\",{children:\"Ready to level up your client conversations? Learn how Recorder\u2019s digital lead capture tools can help you focus on what truly matters: your clients\u2019 business needs.\"})]});export const richText3=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Introduction\"}),\" \"]}),/*#__PURE__*/e(\"p\",{children:\"In today's fast-paced insurance world, speed is critical. Clients expect instant quotes, and delays can cost brokers valuable business. Thankfully, modern tech makes it easier to speed up the quote and bind process, keeping both brokers and customers happy. \"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"The Impact of Speed on Customer Satisfaction\"}),\" \"]}),/*#__PURE__*/e(\"p\",{children:\"Getting a quote to a client quickly can significantly boost their satisfaction and trust in your service. A fast response shows professionalism and ensures the client feels taken care of. In a world where people expect immediate results, a broker who can deliver a quote quickly is much more likely to win the business. \"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"The Role of Technology in Speeding Up Processes\"}),\" \"]}),/*#__PURE__*/e(\"p\",{children:\"Tech tools like APIs and automation allow brokers to cut down on manual processes, so they can get quotes out faster. Instead of entering the same data multiple times, brokers can now capture information once and use it across different systems. This means they can offer clients instant, accurate quotes without the hassle of rekeying. With platforms like Recorder, brokers can access real-time data and automate repetitive tasks, allowing them to focus on building client relationships rather than filling out forms. \"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Competitive Advantage of Faster Quote & Bind\"}),\" \"]}),/*#__PURE__*/e(\"p\",{children:\"Speed isn't just about making your clients happy\u2014it gives you a major edge over competitors. If a client is shopping around for quotes and you can deliver yours first, you're in a stronger position to secure the business. While other brokers are bogged down in paperwork, you're already delivering solutions. Imagine Broker A using a manual system that requires them to re-enter data, while Broker B uses Recorder's tech for automated lead capture and instant quoting. Broker B will always get to the client faster and that's a big deal in today's market. \"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Overcoming Common Challenges\"}),\" \"]}),/*#__PURE__*/e(\"p\",{children:\"Even with all these tech advances, many brokers still struggle with outdated systems that slow them down. Having to re-enter the same data multiple times, manually filling in forms, and dealing with disjointed workflows are big pain points. However, modern tech can solve these issues. APIs, automation, and data integration streamline the process, cutting out unnecessary steps and allowing brokers to focus on clients rather than paperwork. \"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Conclusion\"}),\" \"]}),/*#__PURE__*/e(\"p\",{children:\"Speed is no longer optional it's essential for brokers who want to stay competitive. By embracing tech solutions that streamline the quote and bind process, brokers can provide a better experience for their clients while gaining a leg up on the competition. Tools like Recorder make it easy to capture and enrich data, get quotes out faster, and ensure brokers are always one step ahead.  \"}),/*#__PURE__*/e(\"p\",{children:\"Want to see how fast you can go? Check out Recorder's technology and learn how we can help you streamline your quoting process.\"})]});export const richText4=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"In the fast-paced world of insurance broking, lead scoring is essential for brokers looking to prioritise their time and resources effectively. Not all leads are equal! Some may be highly qualified and ready to convert, while others may be less suitable for your brokerage\u2019s goals. That\u2019s where lead scoring becomes critical. By assigning a score to each lead based on specific criteria, brokers can quickly identify which opportunities are most likely to result in business, ensuring their efforts are focused on high-value prospects.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"br\",{}),\"For brokers, this scoring isn\u2019t about tracking website clicks or email engagements, like in traditional sales funnels. Instead, it\u2019s about the nature of the lead itself. How well it fits the type of risk the broker deals with or the kind of clients they target. Are they in the right industry? Does their company size match your risk appetite? By having a scoring system, brokers can quickly and easily filter their lead pipeline to see which prospects are worth pursuing.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"strong\",{children:\"Why Lead Scoring Improves Efficiency and Conversion Rates\"}),/*#__PURE__*/e(\"br\",{}),\"A structured lead scoring system helps brokers in two key ways: \",/*#__PURE__*/e(\"strong\",{children:\"efficiency\"}),\" and \",/*#__PURE__*/e(\"strong\",{children:\"conversion rates\"}),\".\"]}),/*#__PURE__*/t(\"ol\",{style:{\"--framer-font-size\":\"15px\",\"--framer-text-alignment\":\"left\",\"--framer-text-color\":\"rgb(209, 210, 211)\",\"--framer-text-stroke-width\":\"0px\",\"--framer-text-transform\":\"none\",\"--list-style-type\":\"none\"},children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Efficiency\"}),\": Instead of spending valuable time sifting through leads manually, brokers can use an automated scoring system to rank each lead according to the criteria that matter most. This means less time wasted on unqualified leads and more time focused on the most promising prospects.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Conversion Rates\"}),\": With lead scoring, brokers aren\u2019t just chasing any lead\u2014they\u2019re pursuing the leads that are most likely to convert. The result? Higher conversion rates because the focus is on leads that already meet a broker\u2019s key criteria.\"]})})]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"How Recorder Empowers Brokers with Custom Lead Scoring\"}),/*#__PURE__*/e(\"br\",{}),\"This is where Recorder\u2019s lead scoring tool comes in. Unlike generic sales platforms that track digital engagement, Recorder\u2019s solution is designed specifically for brokers, allowing you to set up customised scoring rules based on the data you capture during the lead intake process. You can create rules that focus on the criteria that matter most to your brokerage, whether it\u2019s industry type, company size, or revenue. The system will then automatically score each lead, so you can immediately see which prospects are worth your attention. Rather than relying on one-size-fits-all sales metrics, Recorder lets brokers configure their scoring models to reflect the nuances of the insurance business. This means that whether you're focused on particular industries, specific risk profiles, or other important attributes, Recorder\u2019s tool helps you filter leads effectively, so you can target the highest-value prospects.\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Conclusion\"}),/*#__PURE__*/e(\"br\",{}),\"In today\u2019s competitive broking landscape, lead scoring isn\u2019t just a nice-to-have\u2014it\u2019s a necessity. By focusing on the leads that align with your business goals and key criteria, brokers can increase both efficiency and conversion rates. With Recorder\u2019s customisable lead scoring tool, brokers can take this a step further, tailoring their lead scoring to fit their specific needs. That way, your brokerage spends time where it counts\u2014on the leads most likely to result in success.\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{}),\"Want to make lead scoring work for your brokerage? Discover how Recorder\u2019s flexible lead scoring system can help you prioritise and convert the leads that matter most. Learn more today!\"]})]});export const richText5=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"(1) Costs\"})}),/*#__PURE__*/t(\"p\",{children:[\"Many of us dream of starting our own business. The opportunity to be your own boss, work flexibly and earn more money is very appealing. However, the risks of building something from scratch holds many people back. The initial startup costs and downside of limited early income make starting a business a daunting process. Starting an insurance brokerage is no different but the cost of getting \",/*#__PURE__*/e(r,{href:\"https://www.fca.org.uk/firms/authorisation/general-insurance-intermediaries#:~:text=You%20have%20to%20pay%20a,which%20will%20be%20%C2%A32%2C500.\",nodeId:\"v_Ak1omlQ\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"approved by the regulator (FCA)\"})}),\" and \",/*#__PURE__*/e(r,{href:\"https://www.cii.co.uk/learning/qualifications/\",nodeId:\"v_Ak1omlQ\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"qualified by the Chartered Insurance Institute\"})}),\" (CII) is lower than you might think.\"]}),/*#__PURE__*/t(\"p\",{children:[\"Recorder estimates \",/*#__PURE__*/e(\"strong\",{children:\"the initial cost of setting up an insurance brokerage in the UK is around \\xa35,000\"}),\". This includes company incorporation, regulatory approvals, CII qualifications, IT hardware, website hosting and insurance broker software. It doesn't include initial salary cost or insurer relationship building costs in order to get terms of business agreements (TOBAs) in place with insurers - as many insurance brokers startup operators will already have these relationships in place.\"]}),/*#__PURE__*/e(\"p\",{children:\"Regulation and qualification often feel like the main barrier to entry for new insurance brokers. Our research indicates the cheapest membership and qualification option for CII is the digital only choice which, for members, will reach \\xa3687.06 in annual costs. In order to get regulated directly by the FCA, rather than becoming an appointed representative (AR), you have to pay a non-refundable fee to submit your application which is \\xa32,500. The British Insurance Brokers' Association (BIBA) estimates the overall direct and indirect costs of regulation are equal to 8.1% of insurance mediation fees and commissions for insurance brokers so this is a fixed cost consideration to factor into annual profit and loss and cashflow forecasts.\"}),/*#__PURE__*/e(\"p\",{children:\"Aside from the cost of achieving qualification and regulation there will be some investment in IT software and hardware required in order to get a started. Insurance brokers will need a decent laptop, mobile phone, website and internet connection to communicate effectively with both clients and insurers. The mission critical piece of software required to run an insurance brokerage effectively is a broker management system \u2013 more on insurance broker technology later (5).\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"(2) Compensation and incentives\"})}),/*#__PURE__*/t(\"p\",{children:[\"Insurance brokers generate revenues via either commission or fixed fees associated with selling insurance policies. Commission or fees are charged by the broker to their client for the services they provide in finding and securing the appropriate coverage from insurers. When a client purchases an insurance policy, the insurance broker collects the premium and deducts their commission before transferring the net amount to the insurer who carries the risk of loss on the insurance policy. This process is known as client money handling \u2013 \",/*#__PURE__*/e(r,{href:\"https://www.cii.co.uk/media/10120640/client-money-for-brokers-good-practice-guide.pdf\",nodeId:\"v_Ak1omlQ\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"here\"})}),\" is a great guide on client money handling by the Society of Insurance Brokers.\"]}),/*#__PURE__*/t(\"p\",{children:[\"For commercial insurance brokers in the UK the \",/*#__PURE__*/e(\"strong\",{children:\"average commission is typically in the 20-25%\"}),\" range. For larger clients with multiple insurance policies brokers often arrange a flat fee structure with their clients which caps the total costs for their client.\"]}),/*#__PURE__*/e(\"p\",{children:\"As a result of this compensation structure insurance brokers are able to generate revenues as soon as they have TOBAs in place with insurers and they have clients committed to purchasing insurance policies from them \u2013 more on distribution later (3).\"}),/*#__PURE__*/e(\"p\",{children:\"Once established, insurance brokers can become desirable targets for acquisition by larger firms. There were a record 148 announced M&A transactions in the U.K. insurance distribution sector in 2023. This represented a 35% increase from the 110 transactions reported in 2022. Brokers are typically acquired once profitable and generating revenues above \\xa31m per annum. There a several insurance broker consolidator firms in the UK who will regularly seek out acquisition of smaller firms. Brokers are typically acquired based on a multiple of their EBITDA (5-10x) depending on the underlying financial metrics.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"The insurance broker compensation structure and regular market consolidation cycles mean there are very attractive financial incentives for insurance brokers that can scale up their book of clients efficiently.\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"(3) Distribution\"})}),/*#__PURE__*/e(\"p\",{children:\"Whilst insurance broking requires you to advise clients on their risks and arrange the relevant cover with insurers it is also ultimately a sales profession. In order to win new clients you must be able to sell insurance products and services. Winning new business consistently requires a thoughtful approach to lead origination and conversion. Many start-ups brokers decide to focus on a specific profile of customer \u2013 this might be based on region, type of business, business size or a specific type of risk.\"}),/*#__PURE__*/e(\"p\",{children:\"Based on their ideal customer profile brokers must work to establish predictable new business sales channels:\"}),/*#__PURE__*/t(\"ol\",{style:{\"--framer-text-color\":\"rgb(0, 0, 0)\"},children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Inbound \"}),\"\u2013 new enquiries via website, search engine optimisation based on keyword search and educational content.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Outbound\"}),\" \u2013 networking at industry specific events, cold calling, email sequencing and LinkedIn segmentation and outreach.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Referral\"}),\" \u2013 from existing clients, partners and introducers (accountants, investors and other service providers focused on the same client segment)\"]})})]}),/*#__PURE__*/t(\"p\",{children:[\"Insurance broking not only provides the opportunity to earn well but also the ability to provide significant value to the community of customers which you choose to service. Insurance provides businesses with the confidence to trade and expand without worrying about downside risks. \",/*#__PURE__*/e(\"strong\",{children:\"As a result running an insurance brokerage can be a very fulfilling role as the services provided have real world purpose and are critical for the functioning of a healthy and growing local economy.\"})]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"(4) Skills\"})}),/*#__PURE__*/t(\"p\",{children:[\"Insurance brokering requires a well-rounded professional skill set. Excellent verbal and written communication skills are critical for good customer service and ensuring clients are able to arrange claims effectively and also renew their policies each year. The ability to upsell new insurance product based on a client\u2019s changing circumstances will require intuition, strong business acumen, thoroughness and attention to detail. \",/*#__PURE__*/e(\"strong\",{children:\"A strong understanding of the evolving market risks and the evolving profile of both internal and external risk will enable brokers to provide better quality for advice for clients.\"}),\" Staying on top of the latest risk information via industry specific publications will assist new brokers with their risk narratives.\"]}),/*#__PURE__*/e(\"p\",{children:\"Building a profitable book of clients will require persistence and determination over a prolonged period of time. Exercising patience with insurers who can be notoriously slow at times and the staying calm in stressful situations which can be make or break for clients is essential. Whilst previous experience within insurance is not essential, insurance broking is a relationship business and establishing trust and credibility with clients will ensure high conversion rates.\"}),/*#__PURE__*/e(\"p\",{children:\"The future of insurance is digital and therefore strong IT skills and confidence with software like CRM, accounting, e-trading and payments is important.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"(5) Technology\"})}),/*#__PURE__*/e(\"p\",{children:\"One of the main considerations the owners of a new insurance broker might have is competition.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"\u2018Surely there are a lot of people already doing this?\"}),\"\u2019 will be the first question that comes to mind. And the answer to this question is invariably \u2013 Yes.\"]}),/*#__PURE__*/t(\"p\",{children:[\"But then one should ask, \",/*#__PURE__*/e(\"strong\",{children:\"\u2018How do I do it better?\u2019\"})]}),/*#__PURE__*/e(\"p\",{children:\"And the answer to that is technology.\"}),/*#__PURE__*/e(\"p\",{children:\"It has been widely reported that in the next 8-10 years\\xa0over 50% of the current insurance workforce will\\xa0retire. At the same time, the insurance industry continues on its journey of digital transformation. At Recorder we believe there has never been a better time to setup an insurance brokerage than 2024 and that is because brokers can now leverage technology in order to digitise and automate processes which have historically been done manually. That means new brokers leveraging the latest broking technology will have a lower cost to serve clients and more time to provide better advice to more businesses.\"}),/*#__PURE__*/e(\"p\",{children:\"There are three key processes in which brokers can leverage technology to assist them with building and efficient and profitable business:\"}),/*#__PURE__*/t(\"p\",{children:[\"1. \",/*#__PURE__*/e(\"strong\",{children:\"Risk capture\"}),\" \u2013 the latest broker management technology provides customers with a broker branded digital journey for recording risk information. Once recorded this risk information can be enriched via third party databases (e.g. Companies House) and stored in a CRM.\"]}),/*#__PURE__*/t(\"p\",{children:[\"2. \",/*#__PURE__*/e(\"strong\",{children:\"Retrieving quotes from insurers\"}),\" \u2013 broker management technology will also transform risk information into a format which can be used to retrieve quotes from insurers via application programming interfaces (APIs). Sharing risk information with insurers digitally without the need for re-keying will significantly reduces the time and cost to quote.\"]}),/*#__PURE__*/t(\"p\",{children:[\"3. \",/*#__PURE__*/e(\"strong\",{children:\"Managing policies\"}),\" \u2013 insurance policies typically renew on an annual basis. During the term of a policy things can change leading to mid-term adjustments, additional cover requirements, new policies and finally the renewal of the existing policy. The latest broker management technology will allow for all of these changes to be managed digitally.\"]}),/*#__PURE__*/t(\"p\",{children:[\"Recorder is a modern broker management system for the next generation of insurance broker. We take the hassle out of capturing client risk information, obtaining quotes from insurers and managing policies. New brokers can get started with Recorder\u2019s product for free: \",/*#__PURE__*/e(r,{href:\"https://signup.recorder.tech/\",nodeId:\"v_Ak1omlQ\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"https://signup.recorder.tech/\"})})]})]});export const richText6=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"Estimated Reading Time \u2013 3 mins\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"p\",{children:\"API is an acronym for Application Programming Interface. But what does that mean?\"}),/*#__PURE__*/e(\"p\",{children:\"In simple terms it is a mechanism for two organisations to communicate via their software platforms using a set of definitions and protocols.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"APIs reduce friction in commercial insurance distribution\"})}),/*#__PURE__*/e(\"p\",{children:\"In the commercial insurance world, it would typically be a carrier that surfaces an API for brokers to submit request for quotes. If the client risk data submitted meets the underwriting criteria, a quote will be generated and sent back to the broker via the API. This operation can be done in a fraction of the time it takes to do this process manually using proposal forms or extranets.\"}),/*#__PURE__*/e(\"p\",{children:\"So, APIs in commercial insurance industry are about speeding up distribution and making things faster and simpler for customers, so something for brokers embrace rather than be wary of!\"}),/*#__PURE__*/e(\"p\",{children:\"API adoption amongst carriers will help improve the customer experience, reduce re-keying for brokers and speed up quote response times \u2013 all things which brokers were asking for at BIBA last week! APIs do not introduce new risks providing they are secure and accompanied by the right programmatic underwriting models as it is the same information being shared just a different mechanism for sharing it.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Programmatic underwriting helps manage the risk of digital distribution\"})}),/*#__PURE__*/e(\"p\",{children:\"Programmatic underwriting models sit behind the API on the carrier's side and will automatically assess the risk as soon as the request is sent via the API from the broker. A quote can be generated automatically based on the properties of the company in the API request and if the risk meets the criteria of the current underwriting model.\"}),/*#__PURE__*/e(\"p\",{children:\"The quality of the carrier\u2019s underwriting model will determine the profitability of the product line leveraging the API. The underwriting model can be changed without impacting the API. Carriers can set a minimum amount of information required for an API request to be accepted and if more information is required, the API can automatically request this info from the broker via the API.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"\\xa0\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"The Technical Bit\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Quote API\"})}),/*#__PURE__*/e(\"p\",{children:\"A Quote API accepts answers to underwriting questions and returns a quote identified by a unique quote number. REST-based APIs treat the Quote as a resource that gets created via a POST request to a quotes endpoint where the body contains a JSON payload of answers. The response body is JSON that contains information about the bindable quote. Some attributes typically include an ID, quote number, premium, coverage limit and excess. The premium is driven by automated underwriting models that determine eligibility and price.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Sample request\"})}),/*#__PURE__*/e(\"p\",{children:\"POST /quotes\"}),/*#__PURE__*/e(\"p\",{children:\"\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"{\"}),/*#__PURE__*/e(\"p\",{children:'\\xa0\\xa0\\xa0 \"RiskInfo\": {'}),/*#__PURE__*/e(\"p\",{children:'\\xa0\\xa0\\xa0\\xa0\\xa0\\xa0\\xa0 \"BusinessName\": \"Euro Moulds Limited\",'}),/*#__PURE__*/e(\"p\",{children:'\\xa0\\xa0\\xa0\\xa0\\xa0\\xa0\\xa0 \"Revenue\": 1000000,'}),/*#__PURE__*/e(\"p\",{children:'\\xa0\\xa0\\xa0\\xa0\\xa0\\xa0\\xa0 \"BusinessActivity\": \"Activity\",'}),/*#__PURE__*/e(\"p\",{children:'\\xa0\\xa0\\xa0\\xa0\\xa0\\xa0\\xa0 \"EmployeesNumber\": 45'}),/*#__PURE__*/e(\"p\",{children:\"\\xa0\\xa0\\xa0 },\"}),/*#__PURE__*/e(\"p\",{children:'\\xa0 \\xa0\\xa0\"Product\": \"cyber\"'}),/*#__PURE__*/e(\"p\",{children:\"}\"}),/*#__PURE__*/e(\"p\",{children:\"\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"\\xa0\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Sample response\"})}),/*#__PURE__*/e(\"p\",{children:\"{\"}),/*#__PURE__*/e(\"p\",{children:'\\xa0 \"id\": 00123,'}),/*#__PURE__*/e(\"p\",{children:'\\xa0 \"number\": \"P45645645\",'}),/*#__PURE__*/e(\"p\",{children:'\\xa0 \"premium\": 35750.00,'}),/*#__PURE__*/e(\"p\",{children:'\\xa0 \"occurenceLimit\": 1000000,'}),/*#__PURE__*/e(\"p\",{children:'\\xa0 \"aggregateLimit\": 2000000,'}),/*#__PURE__*/e(\"p\",{children:'\\xa0 \"excess\": 0.00'}),/*#__PURE__*/e(\"p\",{children:\"}\"}),/*#__PURE__*/e(\"p\",{children:\"\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Web applications (like Recorder) can render these quotes to the broker in a user interface, and they can even be surfaced to the customer via a broker-branded web portal. This means that brokers don\u2019t have to worry about the technicalities of integrating different APIs, they just need to hit submit.\"}),/*#__PURE__*/e(\"p\",{children:\"\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Having a Quote API expands the possibilities for distribution without needing to repeat the lift for every broker and each new product carriers wish to digitise. Whilst there is a Capex requirement to launch a suite of API enabled products the payback period should be short and the ongoing cost to serve premium for the SME segment should be massively reduced.\"}),/*#__PURE__*/e(\"p\",{children:\"\\xa0\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Policy API\"})}),/*#__PURE__*/e(\"p\",{children:\"The Policy API accepts bind orders and can also issue the policy. REST-based APIs do not consider bind a resource since it is an action and not an entity. Instead, the Policy is the resource being created via a POST request to a /quotes/<id>/policies endpoint. The <id> is derived from the quote id generated earlier in the Quote API, and the request body can be left empty. In the response body JSON, a policy ID and policy number should be present.\"}),/*#__PURE__*/e(\"p\",{children:\"It is important to note that premium can be collected before or after the bind request is made. However, conflating bind and pay should be avoided as these are two distinct operations as far as APIs are concerned. In future posts, we will explore how payment can be collected online and then reconciled with the broker management system.\"}),/*#__PURE__*/e(\"p\",{children:\"Quote and Policy APIs unlock digital experiences that satisfy small businesses, brokers, and carriers. Therefore standing up APIs is important for carrier wanting to advance their digital distribution, and so is gaining adoption. Developers are quick to adopt APIs that are well documented and well architected.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Summary\"})}),/*#__PURE__*/e(\"p\",{children:\"Using APIs within commercial insurance products allows carriers to distribute their product digital and more efficiently. The implication for brokers are simple \u2013 faster and easier premium! Small businesses increasingly expect to complete and submit an online application within minutes, not days or weeks. And to enable this experience, carriers and software providers will need to develop API strategies for their small commercial products to enable the most ambitious brokers to capture the demand of the next generation of small businesses.\"})]});export const richText7=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Will AI displace jobs in commercial insurance broking?\"})}),/*#__PURE__*/e(\"p\",{children:\"The pace at which AI technology is developing is accelerating exponentially. Regulators and business leaders are struggling to keep up with the pace of change and the potential impacts to their communities and businesses.\"}),/*#__PURE__*/e(\"p\",{children:\"The fear of job losses within insurance due to artificial intelligence is a growing concern for many. However, having worked in client facing roles at technology companies for the last 15 years I strongly believe that AI is not here to replace jobs in insurance broking but to enhance the abilities of brokers, underwriters, account handlers and claims assessors \u2013 leading to greater value and better outcomes for customers.\"}),/*#__PURE__*/e(\"p\",{children:\"The purpose of commercial insurance is to protect businesses from risk. Business owners need to build trust with their broker in order to get the reassurance they need about protecting their business in a rapidly evolving world of risks. Building trust and providing reassurance are fundamentally human endeavours which will become more important in an increasingly uncertain world with many seeing AI as introducing new risks not taking them away!\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,1bqKW34vA7IYIOjzCPQD13LnwE.png?preferredSize=full\",\"data-framer-height\":\"428\",\"data-framer-width\":\"800\",height:\"214\",src:\"https://framerusercontent.com/images/1bqKW34vA7IYIOjzCPQD13LnwE.png\",style:{aspectRatio:\"800 / 428\"},width:\"400\"}),/*#__PURE__*/e(\"p\",{children:\"AI can analyse huge data sets in a fraction of the time it takes a human to do the same analysis but it is the surfacing of these insights at the correct moment in time which will enable better quality broking where the humans take the insights and overlay them with the businesses complex circumstances and very human and hard to analyse risk appetite. So AI should be thought about as a powerful tool in providing more comprehensive insurance solutions for clients and not as something which will displace jobs. There are intrinsic aspects of the human emotions and relationships that AI cannot replicate. The empathy, experience and expertise brokers bring helps to build emotional connection with business owners that cannot be replaced by algorithmic analysis.\"}),/*#__PURE__*/e(\"p\",{children:\"A businesses complex circumstances must be taken into consideration during a conversation about risk. Insurance conversations between business owners and brokers often involves addressing what happens in the worst-case scenario, and it is trust that enables clients to be open about the fears and concerns they have about their business.  Risk appetite amongst business owners will vary wildly depending on their circumstances and good brokers will take their clients appetite for risk taking into consideration when arranging specialist and discretional cover.\"}),/*#__PURE__*/e(\"p\",{children:\"At Recorder, we believe AI technology will be a powerful tool for humans which delivers greatest value when it is designed and built to empower its users (i.e. brokers, underwriters and account handlers) not replace them. We are developing Recorders platform to act as a co-pilot to our broker clients, enabling them to offer even better services to their clients. Recorders technology automates data entry using APIs which avoids tedious re-keying for both clients and brokers. It can also analyse financial statements, compliance data and existing policy documents assisting brokers in suggesting the most suitable insurance packages to meet clients' needs and budgets.\"}),/*#__PURE__*/e(\"p\",{children:\"Recorders mission is to increase the adoption and efficiency of \\xa0insurance for small businesses. And we believe the best way to do this is to reduce the amount of admin for brokers so that they can spend time building high trust relationships in order to get the best possible understanding of the clients needs and then use the rich and structured data captured in Recorder to arrange the best value cover with carriers.\"}),/*#__PURE__*/e(\"p\",{children:\"Recorder has been testing a beta version of its first product with 15 brokers over the last 3 months \u2013 so far the feedback has been really positive on achieving our goals of reducing data entry and re-keying for both clients and brokers throughout the process of putting cover in place. Clients are able to submit their information online via a broker branded webform, brokers are instantly notified when the client has submitted their data and can arrange time to discuss things with the client before pre-populating their presentation to the market or proposal form using the data received via Recorder without the need to re-key it.\"}),/*#__PURE__*/t(\"p\",{children:[\"We are looking forward to officially launching Recorder at BIBA in Manchester on the 15th of May. The best thing about Recorder's first product is that it will be completely free for brokers! Please come by and see us at stand A80 on Wednesday or Thursday or at our \u2018AI in Insurance\u2019 networking drinks at Dukes 92 from 5pm on 15th \u2013 please register for the networking event \",/*#__PURE__*/e(r,{href:\"https://www.eventbrite.com/e/ai-in-insurance-networking-recorder-launch-party-biba-2024-tickets-862237364167?aff=oddtdtcreator\",nodeId:\"v_Ak1omlQ\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"here\"})}),\" so we have an idea of numbers.\"]}),/*#__PURE__*/e(\"p\",{children:\"\\xa0\"})]});export const richText8=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"What lies behind the decision to try and innovate a market not widely renowned for innovation? For Matt Hicks (pictured left) and his co-founders \u2013 David Hoare and Alexander Cardona \u2013 at the newly launched broker management software provider, Recorder, it was a question of spotting that the time was right to reshape the challenges facing the UK broking market into opportunities.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"The road to building and launching Recorder. \"})}),/*#__PURE__*/e(\"p\",{children:\"Having each spent about a decade scaling fintech companies focused on driving efficiency in the banking sector, Hicks said, he and his co-founders launched Codat in 2017. As an integration platform looking to provide banks with connectivity to small businesses\u2019 financial data to enable better quality lending and payment products, Codat saw them work with some of the UK\u2019s largest insurance companies.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"\u201C[They] were interested in leveraging Codat\u2019s data platform to improve underwriting and mitigate underinsurance,\u201D he said. \u201CWe observed that small business adoption rates with the blue-chip insurers lagged behind adoption rates within banking and we quickly realised that this was because most small businesses use a broker to buy insurance and therefore their trusted business relationship was with the broker and not the carrier.\u201D\"}),/*#__PURE__*/e(\"p\",{children:\"In 2021, Codat raised \\xa3130 million from leading financial institutions like JP Morgan, PayPal and Amex to expand its business globally, he said, and he and his co-founders recognised the time was right to build a new business from the ground up. After exiting Codat last year, their attention turned to the opportunity present within insurance to work directly with brokers and help solve their challenges.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"After six months of researching the market, Recorder was incorporated earlier this year, he said, and the plan is to fully launch the product at the upcoming BIBA Conference on May 15 in Manchester. Identifying some of the key pain points that brokers see facing their businesses that emerged during this research, he noted that the team interviewed dozens of brokers and small businesses.\"}),/*#__PURE__*/e(\"p\",{children:\"\u201CThe main takeaway from this research was business owners and brokers are frustrated with the current process of putting policies in place,\u201D he said. \u201CBusiness owners are asked to manually fill out information in documents and there is a lot of back and forth via email in order to get the information required for quotes from insurers.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"\u201CBrokers described the pain of having to manually re-key customer data into their existing broker management systems and insurer extranets with some brokers claiming up to 75% of their time was spent on admin, leaving just 25% of their time in front of customers to understand their business risks.\u201D\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Driving efficiency in the commercial insurance broking market. \"})}),/*#__PURE__*/e(\"p\",{children:\"Essentially, he said, Recorder is looking to help brokers leverage the latest technology on the market to drive efficiency within the commercial insurance market in the UK. Recorder plans to partner with certified brokers in the UK to give them the digital capabilities required to seamlessly collect structured data from their small business customers via broker-branded online portals which will also enable them to quote, buy and manage policies online.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Though aimed at brokers, the firm is looking to impact all the key stakeholders in the insurance market \u2013 the insurer, the broker and the client \u2013 an ambition anchored by Recorder\u2019s commitment to instilling a \u201Cculture of customer obsession\u201D across the team. While SMEs are not Recorder\u2019s direct customers, he said, the business is focused on trying to make the process of buying insurance easier for them.\"}),/*#__PURE__*/e(\"p\",{children:\"Hicks noted that it is as a result of this approach that he expects Recorder will be attractive to brokers. The business uses APIs to pre-fill customer data for proposals and AI to automatically pull key data from policy documents. The expectation is that brokers will see significant efficiency gains after implementation, he said, which will be realised due to the way brokers are able to record structured customer data at the start of the journey and then use this data to pre-fill their presentation to the market.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"\u201CWhen it comes to insurers, Recorder wants to significantly grow the number of commercial insurance policies that are underwritten automatically via imarket or pre-agreed standards via API,\u201D he said. \u201CUltimately, we want Recorder brokers to be more profitable to serve for insurers so that savings can be passed on to small businesses. We also aim to mitigate the risk of underinsurance by notifying brokers when there is a material change in circumstances at the insured client\u2019s business.\u201D\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"What the market can expect from Recorder at the BIBA conference. \"})}),/*#__PURE__*/e(\"p\",{children:\"The launch date of Recorder is fast approaching, and Hicks and his team are looking forward to exhibiting at the conference, which will see attending brokers able to get started with its Leads product. The business already has a handful of forward-thinking brokers currently testing Recorder, he said, and so far the feedback has been very positive.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"\u201CWe plan to onboard over 100 brokers to the Recorder platform this year,\u201D he said, \u201Cand we plan to launch Quote & Buy journeys for cyber, employers liability, public liability and professional indemnity by the end of 2024.\u201D\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"p\",{children:\"Link to the full article:\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(r,{href:\"https://www.insurancebusinessmag.com/uk/news/technology/cofounder-goes-behind-the-scenes-of-new-business-prebiba-launch-485480.aspx\",nodeId:\"v_Ak1omlQ\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"https://www.insurancebusinessmag.com/uk/news/technology/cofounder-goes-behind-the-scenes-of-new-business-prebiba-launch-485480.aspx\"})})})]});export const richText9=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Insuretch Recorder will roll out its SME focused software platform at the British Insurance Brokers' Associations' conference in Manchester next month with a promise to offer a free version exclusively to attendees.\"})}),/*#__PURE__*/e(\"p\",{children:\"The artificial intelligence enabled product suite, designed specifically for broker, aims to accelerate digital transformation within UK insurance. It is targeted at data handling and policy management for SME business.\"}),/*#__PURE__*/e(\"p\",{children:\"The firm detailed it had spent six months refining and testing the product with a selection of broker clients ahead of launching the platform with key components consisting of a small business portal, a broker relational database and insurer-broker connectivity.\"}),/*#__PURE__*/e(\"p\",{children:\"The founders of Recorder previously built Codat, a software platform founded in 2017, which helps banks and lenders integrate with SME financial data. \"}),/*#__PURE__*/e(\"p\",{children:\"According to the dounders, while building Codat for banks, they realised the opportunity for improved data flows on SMEs was even larger within commercial insurance.\"}),/*#__PURE__*/e(\"p\",{children:\"Matthew HIcks, CCO & Co-Founder, said: \\\"Recorder's launch at BIBA marks a significant milestone in our mission to bring the best of 21st century fintech to commercial insurance. Out platform not only alleviates the administrative burden on brokers but also improves the underwriting process for insurers, ensuring SMEs receive the coverage they need without the traditional hassle. We're here to help brokers do what they do best - advice business on risk - and to spend far less time on paperwork.\\\"\"}),/*#__PURE__*/e(\"p\",{children:\"Read full article at Insurance Age:\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(r,{href:\"https://www.insuranceage.co.uk/insight/7954778/recorder-to-unveil-commercial-platform-for-brokers-at-biba-conference\",nodeId:\"v_Ak1omlQ\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"https://www.insuranceage.co.uk/insight/7954778/recorder-to-unveil-commercial-platform-for-brokers-at-biba-conference\"})})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})})]});export const richText10=/*#__PURE__*/t(i.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Insurtech Recorder will unveil its new commercial broking platform at the upcoming Biba conference\"})}),/*#__PURE__*/e(\"p\",{children:\"The platform will be powered by artificial intelligence (AI) and has been designed to help UK insurance firms accelerate digital transformation. It will initially comprise three components, including a small business portal, a broker relational database and insurer-broker connectivity.\"}),/*#__PURE__*/e(\"p\",{children:\"\u201CRecorder\u2019s launch at Biba marks a significant milestone in our mission to bring the best of 21st century fintech to commercial insurance,\u201D Matthew Hicks, chief commercial officer and co-founder, said.\"}),/*#__PURE__*/e(\"p\",{children:\"AI is one of they key talking points in BIBA Manifesto, with the trade body urging government and regulators to work together to introduce an \u201Cappropriate framework\u201D for such technology in insurance. \"}),/*#__PURE__*/e(\"p\",{children:\"Recorder said it had spent the last six months refining and testing its proposition with a selection of clients and felt it was now ready to be launched. 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However, around 75% of commercial insurance brokers\u2019 time is spent on re-keying data sent by customers or insurers. Brokers also work extremely hard on chasing underwriters, trying to get a full view of the prices available on the market and therefore sadly far less time than they would like on talking to customers, gauging their risk and helping them navigate the complicated world of insurance.\\xa0\"]}),/*#__PURE__*/t(\"p\",{children:[\"Carriers worry that they get incomplete information on policyholders, that they are reduced to targeting the lowest common denominator of underwriting criteria and spend huge amounts of money adding data from external sources that they should be getting directly from the customer.\\xa0\",/*#__PURE__*/e(\"br\",{}),\"\\xa0\",/*#__PURE__*/e(\"br\",{}),\"The core problem is that the business\u2019s data is too hard to move between everyone involved. The default mechanism remains pdfs and excels flying around over email, with all the cost, confusion and complexity that that creates.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"We are building a platform which solves this data transmission problem, allowing everyone in the transaction to see exactly where they are and how they stand.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"The Recorder product is made up of three main parts:\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"For the customer: An SME data collection and policy administration portal\"}),\"\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"We provide white-labelled methods for brokers to engage with their customers and prospects online, with a tool to collect the core information for requesting a quote, including financial and operational data. The portal will allow customers to see where they are in the process, the state of their applications, and any additional questions from underwriters, and review and update their policies during their cover's lifetime.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"For brokers: A relational database that integrates with everything else they use\"}),\"\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"We will provide a core customer database for brokers to store and update information on their leads, clients and their policies. It will be an open platform, primarily designed to power internal operations within the brokerage and able to integrate with brokers\u2019 existing systems such as automated callers, email marketing platforms, accounting tools and CRM systems. The vast majority of commercial brokers are a long way behind similar professional services providers in terms of technology, and opening up their internal systems is the first step towards improvement.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"For insurers: An API connectivity platform to quote and bind\"}),\"\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"We will provide an API platform that allows brokers to request quotes on behalf of their customers from insurers for specific coverage. In the next ten years, insurers which do not offer APIs for their most common commercial products will be left behind the rest of the industry. APIs hosted and managed by insurers will allow much more dynamic underwriting, with premiums priced according to the actual risks in their business. Distribution will also become much more simple, with brokers hitting just a few endpoints in order to quote a customer instantly, seeing across the whole of market and allowing them to focus on what is actually different about each insurer\u2019s coverage.\\xa0\"}),/*#__PURE__*/t(\"p\",{children:[\"At our last business, we saw the power of modern data infrastructure in building better products for small businesses. At Recorder, we plan to become the default data plumbing supplier to the commercial insurance industry, helping customers, brokers and insurers buy and build better insurance for everyone.\\xa0\",/*#__PURE__*/e(\"br\",{}),\"\\xa0\",/*#__PURE__*/e(\"br\",{}),\"We have built the first version of the platform with a small group of forward-thinking brokers and carriers who see the opportunity here and have been unbelievably helpful with their feedback and time \u2013 we would love for you to join them.\\xa0\",/*#__PURE__*/e(\"br\",{}),\"\\xa0\",/*#__PURE__*/e(\"br\",{}),\"If you want to learn more about Recorder, please do visit our website or email me at \",/*#__PURE__*/e(r,{href:\"mailto:alex@recorder.tech\",nodeId:\"v_Ak1omlQ\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"alex@recorder.tech\"})}),\". 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