Insurance Brokerage

1. From the side menu, go to Insurance brokerage and select Insurers.
2. Click the New insurer button to open the insurer form.
3. Enter Insurer name, Contact person, Phone, and Email.
4. Define the broker's Default commission rate (e.g., 15%).
5. Specify the Grace period for premium payment before policy voiding (e.g., 30 days).
6. Ensure Active is checked, then click Save.

1. From the side menu, navigate to Products.
2. Click the New product button to open the product modal.
3. Select the Insurer, and enter the Product name (e.g., Gold Health Insurance, Comprehensive VIP Motor).
4. Select the Insurance type (motor compulsory/comprehensive, health, life, travel, property, liability, marine, workmen).
5. Specify product Commission rate and Required documents checklist for claims.
6. Click Save.

1. From the side menu, go to Insured.
2. Click the Add insured button to open registration.
3. Select the linked Client from CRM.
4. Select Type: Vehicle (plate number, chassis VIN, make), Person (name, relation, DOB), Property / facility, or Trip.
5. Enter Insured value and technical parameters, then click Save.

1. From the side menu, go to Quotes.
2. Click the New quote request button; select client, insured subject, and insurance type, then click Save.
3. Open the request page and switch to the Insurer quotes section.
4. Click Add insurer quote and input quotes from competing companies (net premium, fees, deductible, covered risks, exclusions).
5. The system highlights the lowest priced and best coverage options in the automated comparison table.

1. On the quotation view page under Quotes.
2. Click the Compare quotes (PDF) or Send via WhatsApp action button.
3. The system generates an official comparison sheet branded with brokerage identity comparing insurer proposals in an elegant layout.
4. Send the direct link to the client to review proposals on mobile and select their preferred package.

1. On the Quotes screen, open the request where the client selected their choice.
2. Select the winning quote and click the Select quote action button.
3. Click Issue policy from quote; the system creates a new insurance policy populated with premium, insurer, and insured details, switching the CRM deal to "Won".

1. From the side menu, go to Policies.
2. Click the New policy button to open the policy form.
3. Enter underwritten Policy number, client, insured subject, insurer, product, and assigned broker.
4. Define Start date and End date, Net premium, Fees, and Total premium.
5. Choose Payment schedule: Single payment, Monthly instalments, or Quarterly instalments.
6. Click Save; the system initializes installment due dates and unearned brokerage commissions automatically.

1. On the Policies screen, click the Import from CSV button above the table.
2. Download the approved template and populate current agency portfolio records (policy number, client name, phone, insurer, class, premium, expiration date).
3. Upload the file and click Confirm import to onboard the entire portfolio for renewal and installment tracking.

1. Open the policy on the Policies screen.
2. Click the Add endorsement action button to open the endorsement form.
3. Select Endorsement type: Addition (adding vehicle/member), Change, or Cancellation.
4. Enter Endorsement number, effective date, premium adjustment under Premium difference (+ or -), and change description.
5. Click Save; the system recalculates total premiums and commissions automatically.

1. From the side menu, go to Instalments and collection.
2. Find the due installment and click Collect payment to open the payment modal.
3. Enter Amount collected (supports partial collections), and select Payment method (cash, CliQ, card, cheque, bank transfer).
4. Click Confirm; the system issues a numbered receipt voucher, and you can click Print receipt voucher to give to the client.

When an insurance agent visits a client and collects premiums in cash in areas without mobile data reception, they can record the payment and receipt locally in their browser; the system reconciles with the central server and updates client accounts as soon as connectivity returns.

1. From the side menu, go to Renewals.
2. A table displays policies nearing expiration ordered by days remaining (60, 30, and 7 days prior).
3. The system sends daily automated alerts to the assigned broker to initiate client follow-up.
4. Click Start renewal to open a new renewal deal in CRM, presenting the incumbent quote or marketing alternatives.
5. If the client declines renewal, click Record loss reason (e.g., cheaper price elsewhere, sold vehicle, switched broker) to analyze loss drivers.

1. From the side menu, go to Claims.
2. Click the New claim button to open the claim modal.
3. Select the active policy (the system validates incident date to ensure it falls strictly within policy coverage dates).
4. Enter Incident date, Report date, Estimated claim amount, and incident description.
5. Upload initial attachments (accident sketch, police report, invoices) and click Save.

1. Open the claim on the Claims screen.
2. The claim advances through distinct stages:

• New -> Sent to insurer -> Under review -> Accepted -> Paid -> Closed.

3. Click the next milestone action according to insurer status (e.g., Record acceptance with approved amount, then Record payment when the compensation cheque is received).
4. The system logs the audit trail and stage notes accurately.

1. On the claim view page in Claims, review the required documents checklist.
2. If any paper is missing (e.g., survey report, ID), click the Request missing documents via WhatsApp button.
3. The system formats a WhatsApp message listing the claim reference and missing documents to dispatch to the client instantly.

1. From the side menu, go to Commissions.
2. The table displays commissions receivable for every issued policy and endorsement.
3. The report shows: insurer name, policy number, net premium, commission percentage, earned commission, amount received, and status (due, partially collected, collected).

1. From the side menu, go to Insurer statements.
2. Click the New statement button to open the statement modal.
3. Select the Insurer and statement period (month and year).
4. Copy the commission report rows received from the insurer in Excel and paste directly into the data box.
5. Click Reconcile statement; the system matches policy numbers and amounts automatically, highlighting matching lines, premium variances, and unrecorded policies for settlement.

1. From the side menu, go to Reports.
2. Review executive KPIs and analytics:

• Production by insurer & line: underwritten gross premiums by insurer and class.
• Broker productivity: sales volume, earned commissions, and split per agent.
• Renewal rate and top lost policy reasons.
• Overdue premium aging and projected cash flows with CSV export capabilities.