CUVA FOR COMMERCIAL BROKERS
Now you can deliver a continuous insurance service, unlocking more value from every client account.
By embedding in your client’s business, with visibility of their key documents and ongoing operational changes, you can now give clients the tools to manage and optimise their insurance, providing a more continuous, proactive service whilst identifying opportunities for mid-term endorsements, faster renewal quotes and cross-sell opportunities.
THE BROKER CHALLENGE
Stop speaking to your clients just at renewals
Most brokers want to provide proactive, ongoing advice. The difficulty is knowing when something important has changed inside the client’s business. New contracts, acquisitions, premises, assets, activities and finance arrangements may all have insurance consequences—but the broker often hears about them only at renewal, or after a problem has occurred, and often not at all.
That also means genuine cross-sell opportunities can be missed entirely.
Cuva closes that timing gap by helping clients manage insurance continuously and surfacing relevant changes while there is still time for the broker to advise and act.
As AI and technology reshape the broker’s role, differentiate your business by becoming more relevant—and more indispensable—to every client.
- 01Embed
- 02Advise
- 03Endorse
- 04Quote/Bind
- 05Cross Sell
What does every broker want?
More placements, more endorsements, more cross-sell, greater premium growth, higher retention.
WORKS WITH YOUR EXISTING SYSTEMS
Your BMS manages your brokerage. Cuva helps you manage your clients.
Every broker already has an internal Broker Management System. It gives your team visibility of policies, schedules, renewals and client records—but your clients rarely see any of it. Even where client portals exist, they typically provide only limited functionality.
Cuva creates a genuinely shared insurance workspace that sits alongside your existing BMS.
Your clients can organise, understand and proactively manage their insurance, while you gain continuous visibility into business changes that create opportunities to advise, endorse, renew, quote, bind and cross-sell.
Clarity and control
- Secure, permission-controlled access to policies, schedules, certificates, exclusions and claims history
- Plain-English search and explanations
- One place to manage insurance obligations, actions and evidence
- Clearer renewal and quote progress
- Less reliance on email, spreadsheets and individual employees
Connected client servicing
- A shared client communication channel
- Structured document and information requests
- Visibility of client actions and business changes
- A complete advisory and decision history
- A stronger digital service without replacing the existing BMS
Cuva helps the broker offer a richer client service while leaving accounting, commission, compliance, CRM and other internal broker processes within the systems already used by the brokerage.
See how Cuva complements your BMSHOW IT WORKS
From client change to timely broker action
Create the shared client workspace
Policies, contracts, surveys, claims information, communications and renewal history are brought together in one structured environment shared by the client and broker.
Monitor what changes
Cuva identifies new business activity, contractual requirements, outstanding obligations and other events that may have insurance consequences.
Advise and act earlier
The broker receives the context needed to review cover, identify relevant cross-sell opportunities, recommend an endorsement, prepare a renewal or progress additional insurance through to binding.
WHY BROKERS USE CUVA
Stay relevant throughout the client relationship
Earlier visibility of client change
Identify contracts, activities, assets and other business events that may require insurance review—before they wait until renewal.
Better-prepared clients and submissions
Build the information, evidence and business context needed for stronger renewals, endorsements and new-cover submissions throughout the year.
More proactive conversations
Contact clients with timely, relevant reasons to engage rather than relying on routine check-ins or generic sales campaigns.
Stronger retention and relevant cross-sell opportunities
Deliver a more valuable client service while identifying genuine cross-sell opportunities for endorsements, additional cover and new placements based on how the client’s business is changing.
How Cuva will make you stand out
Key benefits for you as a broker
01
Client-facing insurance portal
Do your clients still rely on you to locate every policy or certificate?
Give clients secure, permission-controlled access to their policies, schedules, certificates, exclusions, claims history and renewal records through a modern broker-enabled workspace.
02
Continuous business and insurance monitoring
Would you know when a client’s business changed in a way that required insurance action?
Cuva monitors contracts, acquisitions, assets, locations, activities, finance arrangements and other client changes, then identifies the potential insurance impact.
It surfaces timely opportunities to review cover, recommend an endorsement, cross-sell relevant products or progress new insurance through quote and bind.
03
Shared client communication and workflow
Are client messages, requests and decisions scattered across email?
Keep questions, document requests, recommendations, actions and progress linked to the relevant policy, renewal, claim or placement in one shared environment.
04
AI assistance with broker escalation
Is your team spending time answering routine policy questions?
Cuva helps clients understand basic policy information and insurance concepts, while directing questions requiring professional advice to the appropriate broker with the relevant context attached.
05
Renewal readiness
Does every renewal begin with another information chase?
Build renewal information throughout the year, identify what is missing, carry forward previous answers and give broker and client a shared view of preparation progress.
06
Stronger submission preparation
Are submissions delayed by incomplete or inconsistent information?
Reuse the business information, documents, claims records and changes already held in Cuva to prepare more complete and better-structured renewal or new-cover submissions.
07
Client obligations and risk-improvement tracking
Do insurer recommendations disappear until the next renewal?
Turn policy conditions, survey recommendations and contractual insurance requirements into assigned actions with deadlines, reminders, status and evidence of completion.
08
Complete client decision history
Could your team explain why a client made a particular insurance decision three years ago?
Preserve recommendations, communications, approvals and decision rationale in a permanent history that remains understandable when account teams or client personnel change.
09
Portfolio-level client oversight
Which clients need your attention today?
Give account teams a structured view of approaching renewals, outstanding information, overdue actions and recent client changes across their portfolio.
10
Cross-sell, endorsement and new-cover opportunities
How do you grow existing accounts without generic cross-selling?
Identify cross-sell opportunities arising from genuine client activity and use the information already held in Cuva to begin a relevant conversation about complementary cover, endorsements or new policies.
11
Client continuity and transfer of knowledge
What happens when an account executive, account handler or client contact changes?
Maintain a complete record of policies, communications, actions, advice and decisions so new team members can understand the relationship without reconstructing years of emails.
BETTER RENEWALS
Review and update—not rebuild from scratch
Cuva maintains the client’s insurance information throughout the policy year. When renewal approaches, the broker can see what has changed, what information is missing, which actions remain outstanding and which documents are already available.
Less repeated information gathering
Carry forward previous responses and reuse documents and business information already held in the workspace.
A clearer “what changed?” summary
Show changes in activities, assets, locations, turnover, payroll, claims and other relevant client information since the previous renewal.
A stronger market presentation
Bring together current information, completed risk improvements and supporting evidence in a structured submission for insurer review.
NEEDS-LED CROSS-SELLING
Grow existing accounts through relevant cross-sell opportunities
A new site, contract, acquisition, lender, overseas operation or major asset purchase may create a need not only to amend existing cover, but also to cross-sell insurance products the client has not previously purchased. Cuva helps brokers identify these cross-sell moments earlier and approach the client with a clear reason, relevant context and a genuinely useful recommendation.
01Client change
→02Insurance need
→03Relevant cross-sell conversation
→04Endorsement or new cover
Professional judgement stays with the broker. Cuva surfaces the event and supporting context. Professional advice and placement remain with the broker.
A BETTER-PRESENTED RISK
Show insurers what the client has improved
Cuva helps clients turn insurer recommendations, policy conditions and contractual requirements into trackable actions. Brokers can see progress, request evidence and present completed improvements clearly at renewal.
Assigned actions and deadlines
Evidence stored against each requirement
Completed improvements ready for broker and insurer review
WORKS WITH YOUR EXISTING SYSTEMS
The client-facing layer alongside your BMS
Cuva is not designed to replace the broker management system used for accounting, commission, compliance, CRM and internal administration. It provides the shared client workspace, insurance intelligence and workflow layer that many broker systems were not designed to deliver.
- Accounting and reconciliation
- Commission
- Compliance
- Internal CRM
- Insurer and market administration
- Internal broker workflows
- Client access
- Policy and document visibility
- Client communication
- Business-change monitoring
- Renewal readiness
- Actions and evidence
- Shared advice and decision history
Together, the systems provide both strong internal broker operations and a much richer external client experience.
THE COMMERCIAL CASE
Better service for clients. Better economics for brokers.
Stronger retention
Remain visible and useful throughout the year, increasing the value clients associate with the broker relationship.
Greater servicing efficiency
Reduce repeated requests, fragmented email and last-minute renewal chasing.
More cross-sell and placement opportunities
Identify cross-sell opportunities, endorsements and new-cover conversations arising from real changes in client activity—not generic sales campaigns.
Scalable differentiation
Offer a stronger digital and advisory service across more clients without requiring every interaction to begin manually.
CUSTOMER-OWNED CONTINUITY
A client record that strengthens the relationship
The insurance record remains customer-owned, while the broker’s advice, recommendations and communications are preserved within it. This gives clients confidence in the platform and gives broker teams a complete, enduring history of the relationship.
If personnel change on either side, the context remains. If a client appoints a different broker, the business retains its own insurance history rather than starting again.
BROKER FAQs
Questions brokers may have
Does Cuva replace our broker management system?
No. Cuva is designed as the client-facing collaboration, monitoring and insurance-workflow layer alongside the systems used for the brokerage’s internal administration.
Does Cuva replace broker advice?
No. Cuva organises information, explains routine matters and identifies issues that may warrant review. Regulated advice and insurance recommendations remain with appropriately authorised professionals.
Can clients use Cuva with their existing broker?
Yes. A client can invite its existing broker into the workspace and continue its current commercial relationship.
Who owns the client’s insurance record?
The business retains ownership and continuity of its insurance record. Broker advice, communications and decisions remain connected to that record for future reference.
Can more than one broker work within a client workspace?
The platform is intended to support specialist or multiple-broker relationships while controlling which information and activities are visible to each participant.
How does Cuva help identify cross-sell opportunities?
Cuva identifies business changes, contractual requirements and potential gaps that may create relevant cross-sell opportunities for additional products, endorsements or new cover. It provides the supporting context, while the broker determines whether a recommendation is appropriate.
Can Cuva be offered as part of our client proposition?
The platform is intended to support direct customer workspaces and broker-supported client workspaces. Final commercial and branding options can be developed with participating broker partners.
CUVA FOR BROKERS
Become the broker clients hear from throughout the year.
See how Cuva can strengthen client service, improve renewal readiness and identify relevant cross-sell and placement opportunities across your existing client base.