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Not your back office.

coverbound is the AI back office for commercial insurance brokers. It reads what lands on your desk: proposal forms, loss runs, asset schedules, quotes, wordings, contracts, emails and your client meetings. Then it does the work they create. Forms filled, submissions drafted, quotes compared, markets chased, renewals started. You check it. You do the broking.

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Built for brokers in Australia and the UK

A feed of jobs coverbound did automatically today across a brokerage's clients: a questionnaire answered by chat, insurer forms filled, a client meeting read into actions, quotes compared, a lease checked against the client's cover and a renewal started.

Sound familiar?

Most of your week isn't broking.

It's retyping, chasing and wrestling with Word. coverbound takes those jobs off your desk.

Retyping the same answers

The client's details go into one insurer's form. Then the next one. Same answers, different boxes.

Your client answers once. Every insurer's PDF comes back filled.

Clients ringing for the same things

A certificate of currency for a new contract. Where the renewal is up to. Another copy of the policy. Each one a call or an email.

A portal with your logo. Clients help themselves and requests land in My Work.

Writing it all up in Word

The submission, the proposal, the renewal report. Premiums copied across by hand, then every figure checked twice.

Submissions, proposals and renewal reports build themselves.

Renewals creeping up on you

Expiry dates live in a spreadsheet. The review starts late and the markets get a week to quote.

Renewals start 90 days out with last year's answers ready.

coverbound AI

It reads it so you don't have to.

Most broking admin starts with something to read. coverbound reads it, pulls out what matters and does the next step. Every finding points back to the words it came from.

It reads

Client meetings

Upload the recording or transcript. Get the tasks, disclosures, form answers and a recap email.

Meeting notes

It reads

Insurer proposal forms

Any insurer's PDF becomes a questionnaire your client finishes by chat. Their answers fill every form.

Questionnaires

It reads

Loss runs

Five years of claims checked line by line, then a submission drafted around the client's figures.

Submissions

It reads

Quotes and wordings

Every insurer's offer side by side with the expiring policy, each difference cited to the page.

Quote comparison

It reads

Client contracts

A lease or subcontract held against the client's cover. Shortfalls found before the landlord does.

Contract review

It reads

Your email

Forwarded mail filed on the right client. Claim numbers and insurer decisions suggested as updates.

Inbox and Files

It reads

A prospect's website

Their site and register entry read before you meet. The risks to discuss and questions to ask, each sourced.

Risk briefs

It reads

Asset schedules

A fleet list or plant register read into one table. Duplicates and missing values flagged before the underwriter sees them.

Asset schedules

Shows its working

Every finding quotes its source. Quotes are checked word for word before you see them.

Never makes up a number

Premiums, limits and dates come from your records. Drafts with stray figures are rejected.

You stay the broker

It drafts and suggests. Nothing reaches a client without you. The advice is always yours.

See everything the AI does

From first meeting to next year's renewal.

Everything between a new enquiry and the renewal a year later, in one place that keeps itself up to date.

Upload the recording or transcript of a client meeting. coverbound turns it into tasks, disclosures, form answers and a recap email, each quoted from the meeting. You tick what's right and apply it.

Recordings and transcriptsQuoted from the meeting
See meeting notes

Upload any insurer's proposal form. coverbound turns it into a questionnaire your client can finish as a form or a chat. Anything it's unsure of is flagged for you.

PDF to questionnaireAsk once, fill the forms

Five years of claims read from the loss runs. AI drafts the submission around the client's own figures. You forward it from your own email.

Loss runs readWrite with AI

Track every insurer you approach. Slow markets are chased for you. Every decline is kept in the underwriter's own words.

Market resultsAutomatic chasing

The insurers' quotes and wordings, side by side with the expiring policy. Each difference cites the wording and page number. Approve it and it fills the client's document.

Terms and wordingQuoted evidence

Premium tables, cover by class and market results fill themselves from the placement. Write with AI gives you a first draft to finish in your own words.

Merge fieldsFirst drafts

Clients sign on their phone, pick optional covers and instruct you to bind in one step. The bind task appears straight away.

E-signingAccept and bind

Reviews land 90, 60 and 30 days out, well before any 14-day deadline. Next year's placement is created for you. The questionnaire goes out with last year's answers ready to confirm.

Renewal engineCarried-over answers

Code timeframes run in business days. When an insurer is late, a chase lands in your diary with the email already drafted.

Timeframe clocksDrafted chasers
A broker uploads the recording of a renewal meeting with a café owner. coverbound transcribes it, matches the speakers to the broker and the client contact, then suggests a disclosure about a second site, a turnover answer for the proposal form, cyber declined by the client, a task to send renewal terms by Friday and a recap email. The broker opens the disclosure and sees the client's words highlighted in the transcript, applies the suggestions and the recap email is drafted.

Win new business

Be the broker who comes back first.

New business goes to the broker who is quick, clear and easy to say yes to.

See new business

New clients onboard themselves

Once they sign your letter of appointment, the onboarding plan runs. Each step lands on the right desk on the right day.

  • Claims history and placement tasks on day one
  • A welcome call on day three
  • A coverage review at 30 days
Learn more

Onboarding · Brightco

Automatic
Day 0Claims history and placement
Day 3Welcome call
Day 30Coverage review

Proposals that sell

See when they open it and what they read. They accept, add optional covers and instruct you to bind from their phone.

  • See when they open it
  • Time spent on each page
  • Accept and bind online
Learn more

Insurance proposal

Brightco Pty Ltd

Public liability
Professional indemnity
Cyber
Opened4 min on premiums

Lost it? Win it back

Record why it went and coverbound reminds you before that policy renews with the other broker.

  • X-date follow-ups
  • Declines asked why
  • Reasons kept for next time
Learn more

Come back to Ridgeline Builders

Automatic

Their policy renews with another broker in 60 days

Grow every account

Each client's cover laid out class by class: what they hold, what you recommended and what they turned down.

  • Coverage gaps in view
  • Recommended and declined
  • Retention over 1, 2 or 5 years
Learn more

Coverage matrix

Acme Engineering

Public liabilityHeld
Professional indemnityHeld
CyberRecommended
Management liabilityDeclined

Declined 3 May: “Not this year, cash is tight”

A chef working in a bright commercial kitchen
A client answers insurance questions in a chat on their phone, asks what a subcontractor is and gets a plain answer.
No login. Works on a phone.

Chat in forms

Clients actually finish it. You keep a record of what they said.

Your client can fill in the form or switch to chat. coverbound asks one question at a time in plain English. It follows up when an answer is unclear and explains insurance terms when asked. Where the form has a declaration, it's recorded with their name, position and date.

  • Every answer quotes the client's own words, so nothing is made up
  • Never gives advice on cover, price or what to declare. That stays with you.
  • Explains terms like "subcontractor" or "turnover" in plain words
  • Several people at the client can answer, each with their own link
See what the AI does

Clients and automations

The admin runs itself.

Your CRM fills itself in from the work you already do. Anything else, you describe in plain English.

A client record whose activity timeline fills itself in: questionnaire opened and submitted, proposal viewed and signed. Then the broker logs a call.

A CRM that fills itself in

Questionnaires, proposals, signatures and claims land on each client's timeline by themselves. The pipeline moves when a proposal goes out or a client accepts.

See clients and pipeline
A broker types an automation in plain English, coverbound draws the rule, test-runs it and it is switched on.

Automations in plain English

Type "when a client submits the disclosure form, give me a task to review it the next day". coverbound draws the rule. Test it, then switch it on.

See automations

Before you ask

The questions brokers ask first.

Do insurers need to change anything?
No. You upload their proposal form as it is. Their own PDF comes back filled in, ready to submit.
Do my clients need a login?
No. Questionnaires, signing and claims work from a secure link on their phone. If you switch on the client portal, they sign in with a code sent to their email. There's never a password.
Can my clients get their own certificates and documents?
Yes, through your client portal. You choose what each client sees. They ask for a certificate or report a change. It lands in your My Work.
Will the AI give my clients advice?
Never on cover, price or what to declare. It asks, explains terms and checks answers. It drafts. You check and send.
Does coverbound email underwriters?
No. Submissions come to you to forward from your own email. coverbound records where they went and chases the quiet ones.
Can it take notes from my client meetings?
Yes. Upload a recording or a Teams or Zoom transcript. It suggests the tasks, disclosures, form answers and recap email. coverbound never joins or records a call itself.
How do I know the AI got it right?
Every finding quotes the document or meeting it came from. The quote is checked word for word. Anything it can't prove is marked Could not verify. You apply or approve each change.
Can it research a prospect before I meet them?
Yes. Give it the business name and website. A risk brief comes back with the risks to discuss, the questions to ask and the documents to request. Every fact links to the page it came from.
Can it read my client's asset schedule?
Yes. Upload the fleet list, plant register or property schedule as Excel, Word or a scanned PDF. Every value is checked and linked to its cell. The approved version goes into the submission.
Can it check a client's contract?
Yes. Upload a lease or a subcontract. It finds the insurance clauses and holds each requirement against the client's policies, with the words behind every finding.
Is it built for Australia and the UK?
Yes. Claim timeframes follow the General Insurance Code of Practice in Australia and FCA rules in the UK. The document templates are written for both markets.
How do we move across?
Bring your client book over from a spreadsheet in minutes. Every expiry date lands in the renewal register.

Try it with your own book.

Upload a client meeting, compare a real renewal, send a client the chat. 14 days free, no card needed.

Start free trial