Select the product and enter the changing details
The user chooses an available policy type and supplies the customer, cover and commercial information required for that certificate.
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Case study · Specialist insurance
From Certificate Generator to Broker Policy Platform
A long-term business system that helps approved brokers create legal-expenses and related insurance certificates accurately, manage their teams and support the continuing policy lifecycle.
The platform was originally created to make policy-certificate generation straightforward for brokers. Staff select from the products available to their brokerage, enter the essential customer and cover information, and receive a complete certificate containing the relevant policy details.
Digital Flair has continued to support and develop the system as the organisation’s requirements have matured. Its next phase has now been specified around compliance documents, policy controls, renewals, audit history, bordereaux reporting and management information.
Discuss a specialist business platform- Sector
- After-market legal-expenses and related insurance products
- Primary users
- Platform administrators, brokers and broker staff
- Core service
- Controlled policy-certificate creation and administration
- Relationship
- Long-term support, specification and managed development
The original requirement
Make accurate certificate production simple for a distributed broker network
Brokers needed a dependable way to issue certificates for the insurance products they were authorised to sell. Asking staff to recreate complete policy documents manually would have been slow, inconsistent and vulnerable to avoidable errors.
The platform therefore separates the small amount of information that changes for each customer from the approved product and underwriter information that remains controlled centrally.
- Each brokerage sees only the policy products made available to it.
- Broker staff enter the customer, cover and pricing information required for that sale.
- Product and underwriter information is applied consistently by the platform.
- Relevant calculations and dates are handled within the certificate journey.
- The completed certificate can be downloaded for delivery to the customer.
- Previously issued policies remain searchable and available to authorised users.
The certificate journey
Turn a small set of approved inputs into a consistent customer document
The system guides authorised broker users through a focused workflow while maintaining the product information and access boundaries defined by the platform administrator.
→
Controlled policy and product rules applied
Generate a complete policy certificate
The platform combines the entered information with the approved product content and produces a consistent document ready to download and provide to the customer.
Focused
Staff enter only the information required for the individual policy.
Consistent
Controlled product information is reused across certificates.
Available
Authorised users can retrieve certificates and policy records later.
Accountable
Policies remain associated with the correct broker and staff structure.
Operational structure
Different users receive the access and controls appropriate to their role
The platform supports a hierarchy rather than treating every user as an unrestricted administrator. This helps brokerages manage their own teams while keeping policy information within the correct organisation.
Control brokers, products and approved information
The central organisation manages the broker structure and the products made available through the service.
Manage staff within the brokerage
Approved broker administrators can create and manage staff accounts while retaining visibility of policies produced within their organisation.
Create and retrieve policy certificates
Staff can issue certificates using the products available to their broker and work with the policy records they are permitted to access.
Preserve policies when staffing changes
Policy records remain available to the appropriate organisation even when an individual staff account is no longer active.
Correct policy information through an authorised process
Permitted users can amend relevant customer and cover information without recreating the entire policy record.
Keep issued certificates accessible
Users can search, view and download existing policy certificates rather than relying on disconnected local copies.
The next development phase
Evolving from certificate creation into a more complete broker service
Operational experience with the live platform has produced a detailed specification for its next phase. These planned enhancements extend the service across more of the policy lifecycle while retaining the straightforward certificate journey at its centre.
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01
Compliance documents
Give brokers controlled, read-only access to the latest approved product documents and attach the relevant supporting material to newly generated policy packs.
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02
Policy lifecycle
Introduce clearer policy statuses, controlled amendment and cancellation periods, and retention of cancelled records for audit purposes.
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03
Renewals
Identify policies approaching renewal, prepare a renewal from existing information and apply the product pricing effective at the appropriate time.
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04
Reporting and reconciliation
Support policy, premium and broker reporting, including controlled reconciliation and insurer-specific bordereaux requirements.
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05
Audit and management information
Record important user actions and prepare approved reporting data without unnecessarily exposing the live policy database.
Specified enhancements
Practical controls shaped around real broker and policy operations
The next phase is not a collection of decorative features. Each proposed enhancement responds to a particular administrative, compliance or commercial requirement identified through use of the existing platform.
Keep policy documents accurate and up to date
Central administrators will be able to upload or replace the documents associated with each policy product, ensuring brokers can access the correct current versions.
Retain meaningful records instead of deleting the evidence
Cancellation and amendment controls are being designed so important policy events remain visible and auditable.
Protect issued values while applying current renewal terms
Existing policies retain their original commercial record while future renewals can use the pricing applicable at the time of renewal.
Support a shared core with insurer-specific outputs
A common policy dataset can underpin reporting while allowing different underwriters or products to require distinct report layouts.
Keep broker records consistent across the service
Persistent broker identifiers can support certificates, administration and reporting without relying solely on names that may change.
Expose approved information rather than the live database
Future management reporting has been approached around controlled datasets, role-appropriate access and minimisation of unnecessary policyholder information.
The result
A useful operational product with a clearly defined path forward
The live platform gives brokers a focused way to create and retrieve consistent policy certificates without manually rebuilding product documents for every customer.
Just as importantly, ongoing use has generated a detailed roadmap for the next stage. Certificate production remains the practical foundation while policy controls, renewals, reporting, reconciliation and audit capabilities are developed around it.
Practical
A focused certificate journey designed for everyday broker use
Controlled
Products, users and policy records kept within defined access boundaries
Consistent
Approved information reused across customer documentation
Evolving
A detailed next phase shaped by real operational experience
Long-term technical leadership
Turn operational conversations into a controlled development plan
The continuing relationship includes more than responding to isolated feature requests. Digital Flair works with the client to clarify business rules, identify decisions still requiring confirmation, distinguish current requirements from future ideas and translate the agreed outcome into manageable development stages.
This protects the usefulness of the live platform while giving the organisation a realistic path towards a broader broker, policy and reporting service.
Requirements clarification
Operational ideas are converted into defined user roles, rules, exceptions and expected outcomes.
Scope discipline
Agreed work, future considerations and decisions awaiting confirmation are kept visibly separate.
Managed evolution
New capabilities can be introduced without discarding the certificate service already used by brokers.
Relevant capabilities
What this engagement demonstrates
Bespoke business platforms
Software organised around specialist products, users and operational rules.
Document automation
Turning controlled customer and product information into consistent outputs.
Secure reporting services
Preparing approved information for external reporting without exposing core data unnecessarily.
Long-term evolution
Extending a useful live platform through controlled development phases.
Reporting and insight
Structuring policy and commercial information for meaningful operational review.
Technical partnership
Requirements, development and continuing support held together by one technical lead.
Does your organisation rely on documents, rules and processes that generic software cannot model properly?
Digital Flair develops and supports focused business platforms around real users, controlled information and practical operational outcomes.
Call 0333 444 0283 or contact Digital Flair to discuss your platform.