CRM for commercial insurance brokers

From forwarded email to bound policy.

BrokerBeat reads what clients and carriers send you, builds the client file, and drafts each request, submission and proposal for your approval. Every value keeps the email or page it came from.

Today Search & commands ⌘K
Northside SnowForwarded email read · draft client ready
Intake
Review
Maple Ridge LandscapingPolicy ends in 90 days · renewal check-in drafted
Renewal
Send ASent
Carrier A · Northside Snow2 underwriter questions · 1 answered from the record
Questions
Review
Carrier B · Northside SnowQuote received · terms read into the grid
Quote
Open

A placement is hundreds of small facts moving between a client, a broker and several carriers. BrokerBeat keeps each one in a single record, beside its source, and prepares the next step so you can approve it and move on.

The platform

BrokerBeat. Built on the Rx Stack.

BrokerBeat is the commercial insurance layer, fed by Intake. Both run on the Rx Stack underneath, which keeps permitted information with its source and tracks clients, relationships and opportunities.

BrokerBeat · the commercial insurance layer
The Rx Stack · Painkiller Labs, Inc.

Rx Method

Diagnose: see how each relationship really stands.

Calibrate: test the message before it goes out.

Prescribe: the next move on each account, and who makes it.

Calibration research: Park et al. (2024) ↗
How it works

One placement, six steps.

The same record carries a client from the first email to the policy register. Each step below is a screen you already work in.

01

A forwarded email becomes a draft client.

Forward the client's email. The originals are kept as evidence, and the documents are read into facts you can check against their source.

Inbox
Original email and files retained as evidence
Draft client · Northside Snow
Business
Northside Snow Ltd.
Operations
Commercial snow removal
Unit 3 make
probably Honda
Unit 3 model
—
Unit 3 year
Conflict
On Today as a draft Approve A
02

See what each carrier still needs, and ask once.

Completeness is scored per target carrier. The request email is drafted for you; the client's reply lands as stated values with the passage as source, and reminders chase what is still missing.

Completeness by carrier
Carrier A82%100%
Carrier B74%100%
Still missingAnswered by the client
Unit 3 model“ GX390 Garage address“ 41 Depot Rd Annual payroll“ $412,000
Request to client · draft
One click to sendSent · reminder scheduledDana replied · 3 answers recorded SendSent
03

Send each carrier its own frozen submission.

Pre-flight checks are advisory: a warning sits beside the item and you can send anyway. Each carrier gets its own PDF, spreadsheet and data file, and the record keeps exactly what was sent.

Pre-flight · Northside Snow
Named insured matches the documents
Fleet schedule complete for both carriers
Prior claims are client-stated; no loss run on file Send anywayOverridden
Carrier A Sent
Submission.pdfSchedule.xlsxData file
Carrier B Sent
Submission.pdfSchedule.xlsxData file
Frozen: later edits never change what was sent
04

Answer underwriter questions from the record.

Underwriter emails become individual questions, each linked to its asset and field. Answer from what you already hold, ask the client for what you don't, and approve one answer for several carriers.

QuestionAsked byStatus
Is Unit 3 used on residential driveways?Carrier ANewAnswered from record
Annual payroll for snow operations?Carrier ANewAsked clientAnswered
Payroll, snow removal staff?Carrier BNewSame question as Carrier AAnswered
One approved answer sent to 2 carriersSent
05

Compare quotes term by term, with the page cited.

Quotes are read into a grid of verbatim terms. Every cell opens the quote page it came from, and the proposal you send links its figures back to those pages.

TermCarrier A RecommendedCarrier B
Premium$18,400p. 1$16,950p. 1
Liability limit$5,000,000p. 2$2,000,000p. 2
Deductible$2,500p. 2$5,000p. 3
Residential snow removalCoveredp. 3Excludedp. 4
Carrier B quote, page 4. “Snow and ice removal at residential premises is excluded.”
Proposal sent · figures link to quote pagesSent
06

Bind, register the policy, start the renewal clock.

The client's written acceptance is kept. You bind within your authority or with a colleague's approval. The carrier's binder registers the policy and expected commission, and the renewal returns to Today on its own.

Northside Snow · Carrier A
Client accepted in writingThe acceptance email is retained with the proposal it answers.
Bind approvedOne approval, by you or a colleague with authority.
Binder receivedPolicy and expected commission land on the register.
Renewal check-in scheduledIt appears on Today 90 days before the policy ends.
The record

Every value keeps its source.

A cell shows how it is known as well as what it says. Select a cell to see where it came from.

Asset schedule · Northside Snow
UnitMakeModelYear
Truck 1F-350
Blower 22021
Blower 3—
Source

Stated by the client

Email from Dana K.
“The truck is a Ford F-350, we bought it used.”

Confirmed

Confirmed by Alex. The extraction it rests on is kept in History.
Fleet schedule.xlsx · Sheet 1 · D2  2019

Extracted from a document

Fleet schedule.xlsx · Sheet 1 · B3
Blower 2  |  Toro  |   |  2021

Missing

No source gives a model for this unit.
It is included in the next request to the client. Nothing waits on it.

Inferred

Shown as “probably” until someone confirms it.
Fleet schedule.xlsx lists the engine as GX390, with no make given.
Confirm C

Conflict

Two sources disagree. Both stay on record.
Fleet schedule.xlsx: 2020
Policy 2025.pdf, page 2: 2018
Use 2020Use 2018Keep as is
Stated by a person Extracted from a document probably Inferred Confirmed Conflict — Missing
What you can rely on

Three kinds of data, three promises.

Speed comes from knowing what can be rebuilt freely and what must never move.

Evidence

Original emails, files, instructions, decisions and exactly what was sent. Never silently changed.

Working data

Extractions, matches, summaries and grids. Edit, replace or rebuild it freely; the evidence underneath stays put.

External actions

Sending, binding, certificates and payments. The approved version is saved, then executed. One approval is enough.

Day to day

Built for the pace of a brokerage.

Go anywhere with ⌘K

One command menu for clients, policies and actions.

Northside Snow · Quote comparison↵
Northside Snow · Client file

Ask the record

Questions about a quote grid are answered with citations.

Which quotes exclude residential snow removal?
Carrier B excludes it. Carrier B quote · p. 4

Warnings sit beside the field

Uncertainty is a warning, never a block. Override it in one click.

2020
Policy 2025.pdf says 2018 Use 2018Keep as is

Capture from a phone

A photo of a registration becomes a suggested unit on the schedule.

Truck 4 · suggested
Read from the photo; original kept in Files

Today's work is already drafted.

Open BrokerBeat and approve what is ready.