Paste your insurance schedule. Get every line of cover classified.
What you retain and what you transfer, the loss ratio over three years, the capacity you pay for and have never used, the lines your industry carries that you do not, and the questions to take to your broker before renewal. Six lines free, no account.
| Line | Limit | Premium | Rate on line | Standing |
|---|---|---|---|---|
| Property / ISR | 25,000,000 | 95,000 | 0.38% | classified |
| Product recall high rate on line | 1,000,000 | 30,000 | 3.00% | classified |
| Commercial motor high rate on line retention below claims frequency | 850,000 | 48,000 | 5.65% | classified |
| Directors and officers capacity not claimed against | 5,000,000 | 18,000 | 0.36% | classified |
| Workers compensation | statutory | 210,000 | scheme | statutory |
| Zorvane cover | 250,000 | 3,000 | 1.20% | unrecognised |
| Total, 14 lines | 541,000 |
Paste the schedule you already have
The broker's schedule, the renewal summary or the register you keep: one line of cover per line, with the insurer, limit, deductible and premium in any order the header names. Add the claims count and the claims paid over the last three years and the arithmetic sharpens. Every line is matched against a published dictionary of 53 lines of cover with their AU, UK and US names; a line that matches nothing is marked unrecognised and never guessed.
Read what you retain and what you transfer
Per line: the deductible you carry on every claim, and where the claims count is given, what that retention costs a year; the limit less the deductible the insurer carries; the premium as a share of the limit; and the three-year loss ratio. Then the flags the arithmetic supports: capacity not claimed against in three years, a high rate on line against the schedule's median, a retention below the claims frequency. Each flag is a comparison of your own numbers, never advice.
Take the findings and the questions to the broker
Findings in severity order: the lines that could not be placed, the lines your industry usually carries and the schedule does not show, the capacity never used, the insurer carrying more than half the premium, a property line with no interruption cover beside it. Behind each one, the clauses of ISO 31000, COSO ERM and ISO 22301 that make the register evidence, licensed from the compliance graph. The closing block is the list of questions to paste into an email to the broker.
Why a register and not a broker's dashboard
The broker's numbers are the broker's. The schedule arrives once a year with a premium beside each line and the renewal is signed on it. Before that meeting, somebody on your side has to say what each line retains, what it transfers, what it has paid out and what it costs per unit of limit, and to write down the questions. That is the register this builds, in your browser, from the schedule you already hold. It does not replace the broker; it gives you the page to sit across from one.