Insurance moments, recognised
Business change happens every day. Insurance rarely hears about it.
Cuva monitors the documents and workflows where change first appears, then explains the likely insurance consequence and brings in the right people.
“The platform should constantly ask: has something happened in the business that has an insurance consequence?”
That question is the organising principle behind Cuva.
Bring insurance into the flow of business
Catch the moment before it becomes a gap.
Common insurance moments
Change detected early enough to act.
A new contract is signed
Cuva extracts insurance clauses, compares them with the programme and creates a review for Legal, the broker and the contract owner.
Legal · Construction · Client contractsThe company acquires a business
New entities, activities, assets and territories prompt a structured notification and coverage review.
Finance · M&A · Group governanceA site opens, closes or changes use
Property schedules, values, occupancy and insurer notifications are checked against the updated portfolio.
Property · Facilities · OperationsPeople are hired overseas
Territorial limits, local employers’ liability, workers’ compensation and travel arrangements are flagged for review.
People · Finance · InternationalPlant or machinery is purchased
Cuva prompts a review of declared values, machinery cover, transit, installation and business interruption assumptions.
Operations · Engineering · PropertyA cloud platform goes live
The change is connected to cyber cover, insurer notification duties, data dependencies and continuity planning.
IT · Cyber · ProcurementRevenue or payroll moves materially
Cuva highlights where declarations, limits, rating information or business interruption values may now be outdated.
Finance · Growth · DeclarationsA major claim changes the picture
The claim is linked to the policy and location, lessons are captured, and operational changes feed the next renewal.
Claims · Governance · RenewalRevenue appears in an unmapped territory
The software acts as a real-time compliance cross-reference engine. If a contract is signed in Germany, but the Professional Indemnity policy extracted data says Coverage Territory: UK Only, the platform instantly fires an alert: CRITICAL GAP DETECTED: New revenue in unmapped territory.
Contracts · Professional indemnity · Territory gapsA JCT insurance clause needs proving
Clauses like JCT 21.2.1 insurance for non-negligible damage to neighbouring property are frequently required but poorly tracked. Cuva helps verify whether subcontractors' nested insurance limits actually match the project's master liability requirements.
Construction · Subcontractors · Liability limitsA mid-build exclusion could threaten the project
If a major component fails or a fire occurs mid-build, and a specific hot works exclusion or inadequate delay-period trigger has been missed, the developer can face immediate financial pressure while financing interest expenses continue compounding.
Development · Exclusions · Delay riskLender requests insurance certificate from borrower.
The platform reads the entire policy wording, compares it against the bank's strict lending policy, and flags deep structural gaps like missing Non-Invalidation clauses, inadequate Business Interruption periods or inappropriate LEG exclusions in seconds instead of days.
Lending · Policy wording · Structural gapsA fire warranty depends on daily housekeeping
Cuva extracts a waste-management warranty requiring oily rags and combustible waste to be kept in closed metal bins and removed daily. It turns the condition into a recurring action for the workshop manager and alerts Finance if it is missed before a fire creates a denied-claim risk.
Property · Fire · WarrantiesA new premises triggers a security-condition check
When the business leases a new unit, Cuva checks theft and burglary policy conditions such as 5-lever mortice deadlocks conforming to BS3621. It prompts the site manager to upload evidence and flags a coverage gap if the lock does not match the policy requirement.
Property · Theft · Security conditionsA practical example
From contract clause to completed action.
A construction contract arrives in Legal. Cuva identifies joint-names, professional indemnity and evidence requirements, relates them to current cover and starts the right conversations before work begins.
Value across the business
Each team sees the insurance work relevant to them.
Finance
One programme view, cleaner renewals, acquisition prompts, premium history and board-ready reporting.
- Track declarations and lender obligations
- Compare renewal years
- See outstanding priorities
Legal
Insurance obligations extracted from contracts, finance agreements, leases and collateral warranties.
- Spot contract-specific requirements
- Record why decisions were made
- Bring brokers in with context
Property & operations
Property-level records, survey actions, inspections, valuations and occupancy changes in one operating view.
- Manage insurer recommendations
- Store completion evidence
- Track property change
People
Prompts when hiring, travel patterns, payroll or overseas activity may affect the insurance programme.
- Overseas employee reviews
- Employers’ liability evidence
- Controlled team access
Technology
Cyber-relevant change, insurer requirements and security recommendations translated into clear actions.
- Cloud and vendor change prompts
- Cyber conditions and evidence
- Claims lessons carried forward
Sector depth where it matters
Cross-sector foundations. Specialist workflows for insurance-heavy operations.
A complete insurance record for every building.
Connect policies, valuations, surveys, claims, tenant evidence, occupancy changes and insurer actions at asset and portfolio level.
- Vacant property requirements
- Escape-of-water controls
- Tenant and contractor evidence
- Refinancing events
Contract and finance obligations, visible before work begins.
Extract insurance requirements from development finance agreements and construction contracts, then track them across each live project.
- Contract works and existing structures
- Joint-names requirements
- Professional indemnity limits
- Drawdown and warranty evidence
One view across entities, activities and brokers.
Give growing corporate groups a durable insurance operation across acquisitions, new sites, international expansion and changing business activities.
- Multi-entity policy register
- Multiple broker workspaces
- Acquisition and disposal prompts
- Customer-owned history
The defining use case
Continuously align the insurance programme with the real business.
Cuva does not try to manage every business risk. It focuses on a narrower, more practical question: has something happened that may have an insurance consequence?