An insurance brokerage is a business made of handoffs. A lead comes in. Someone requests quotes. An insurer issues the policy, and the broker's share of the premium arrives weeks later on a statement that has to be matched line by line. Then the policy renews, or a claim comes in, and the cycle starts again.

Most brokerages run this on a mix of spreadsheets, an inbox and whatever the insurers' portals allow. It works until it does not. Commissions go unclaimed. Renewals slip. The quarterly return to the regulator becomes a week of copying numbers into Excel.

We built BrokerFlow to put the whole cycle in one place. This is what that looks like in practice.

Lead to policy to renewal to claim

BrokerFlow follows a policy through its entire life. Leads become deals. Deals carry quote requests, and products from different insurers can be compared side by side. The quote that wins becomes a policy against a customer record. Renewals are tracked from the policy itself, and claims and service requests attach to it too. Nothing is re-entered on the way through, and there is one record of what happened.

The dashboard sits on top of all of it, in real time. Pipeline, policies in force, renewals coming due, claims open. A broker sees the state of the book without asking anyone to compile it.

Everything a brokerage touches lives in the same system:

  • Leads, deals, quote requests and product comparison
  • Customers, policies, renewals, claims and service requests
  • Commission: dashboard, ledger, reconciliation, invoices and statement upload
  • Sub-partners, reports and IRDAI returns

Commission you can reconcile

Commission is where brokerages lose money quietly. Every policy earns a share of the premium, but the insurer's statement arrives on its own schedule and in its own format. Matching what was owed against what was paid is tedious enough that it often does not happen at all.

BrokerFlow computes commission automatically for each policy. Insurer statements are uploaded to the platform and reconciled against that expectation. The commission ledger shows what was earned, what was received and what is still outstanding, and invoices are raised from it. The reconciliation is the point: a discrepancy is a line on a screen, not a mystery in a spreadsheet.

Portals for sub-partners and customers

A brokerage is rarely just its own staff. There is a hierarchy of sub-partners, the agents who bring in business. And there are customers who want to see their policies without making a phone call.

BrokerFlow has three portals: Broker, Sub-Partner and Customer. Sub-partners log in to their own view and see the business they have brought in and where it stands. Customers log in to their own policies and are served without waiting on the broker's team. Access is role-based, and every organization's data is scoped with row-level security. A sub-partner sees exactly their slice and nothing more.

Returns the regulator will accept

BrokerFlow's first market is India, where brokers are regulated by IRDAI and file quarterly and annual returns in a prescribed format. Preparing them by hand means assembling premium and brokerage figures per insurer and per line of business, listing the top ten clients, and getting the Excel layout exactly right for the regulator's portal.

BrokerFlow produces those returns as an export from the data already in the system, in the exact Excel format the portal expects: per insurer by line of business, top-10 clients, brokerage income. Figures follow Indian conventions, lakhs and crores, and the financial year runs April to March throughout. The return becomes an output of running the business, not a separate project.

Bringing your history with you

Nobody starts from zero. The hardest part of moving to any platform is the data already sitting in old spreadsheets and old systems, and it is rarely clean.

BrokerFlow imports customers, leads, deals and policies through Excel and CSV templates, and it does not demand perfection. Only identifiers are mandatory. Partial records come in as they are and can be completed over time. That is a deliberate choice. It is better to have your book in one place with gaps than to have it perfect and somewhere else.

We build BrokerFlow at Onesage Inc. because we believe a small team should be able to run a large, complex operation, and a brokerage is a good test of that belief. The whole cycle in one system, the ledger reconciled, the regulator satisfied, and the people running it free to sell. You can see it at brokerflow.onesage.ai.

Salman Mulani Founder, Onesage Inc.