Four insurance-native AI Analysts for delegated authority books: cash application and credit control, the bordereau you owe capacity, broker submission intake, and claims. Every match carries its evidence, and your PAS stays the system of record.
| Ref | Insured | Gross | Comm | Net paid |
|---|---|---|---|---|
| TX-2201 | Aldgate Props | 4,200.00 | 945.00 | 3,255.00 |
| TX-2203 | Brook & Lane | 2,880.00 | 648.00 | 2,232.00 |
| TX-2204 | Castlemere | 6,100.00 | 1,372.50 | 4,727.50 |
| TX-2206 | Dunmore Hotels | 3,640.00 | 819.00 | 2,821.00 |
| TX-2207 | Eastgate Mills | 1,960.00 | 441.00 | 1,519.00 |
| TX-2209 | Fenwick Retail | 2,400.00 | 540.00 | 1,620.00 |
| Policy | Net due | Applied | Status |
|---|---|---|---|
| HX-40219 | 3,255.00 | 3,255.00 | Paid |
| HX-40221 | 2,232.00 | 2,232.00 | Paid |
| HX-40230 | 4,727.50 | 4,727.50 | Paid |
| HX-40236 | 2,821.00 | 2,821.00 | Paid |
| HX-40240 | 1,519.00 | 1,519.00 | Paid |
| HX-40377 | 1,860.00 | 1,620.00 | Short 240.00 |
14 lines applied at policy level and the short one chased with its evidence. What you owe capacity this month is worked out from applied cash, not the bordereau estimate.
The engine that applied this cash also builds the bordereau you owe capacity and reads your claims files. One set of rules and one evidence trail, so the cash, the bordereau and the carrier statement never disagree without a reason on screen.
Delegated authority makes the back office scale with the book: remittances arrive bundled, net of commission, with references only one person can read. Matching and exceptions consume 45–60% of a credit control team’s hours while bound-but-unpaid policies compound quietly.
Four apply. Most MGAs start with the cash.
Bundled remittances applied to policy level, net of each party’s commission. Bound-but-unpaid surfaces as a daily aging queue, not a quarter-end discovery.
Bank reconciliation →Premium bordereaux built from balanced, validated line items, plus the per-carrier payment reports your capacity providers already expect.
Bordereaux reconciliation →Messy broker packets become checked risk data, every field traced to its source, before an underwriter spends a minute on them.
Submission intake →Every notice read, every record opened, and a claims workflow that no longer lives in one person’s head.
Claims management →Different seat? See carriers and insurers, reinsurers or member-owned mutuals.
“The beauty of Brisc was taking about 80% of the manual labour away, so people can focus on underwriting instead of data entry.”
Matching the money arriving in your bank accounts (bundled broker remittances, direct-bill receipts, premium finance payouts) to the policies it pays for, net of each party’s commission, and recording the result. For an MGA it is the control behind everything downstream: carrier settlements, the bordereau you report to capacity, and the credit control queue.
Cash application, in most books: matching and exceptions consume 45–60% of a credit control team’s hours, so the evidence pays back fastest there. Bordereaux, submissions and claims land on the same platform when you are ready.
No. Day one is uploads in and evidenced output back out: bordereaux, remittances and bank exports go in as they are. You parallel-run until the numbers earn trust, then post directly to your PAS or GL. Live in 2–6 weeks.
Yes. The Bordereaux Analyst reads the written premium record in whatever form you hold it, a PAS extract, partner files, or a feed straight from your data warehouse, and generates the bordereau in the format each carrier or syndicate requires. Once cash is applied, the premium bordereau you report up to capacity is built from validated line items rather than rebuilt by hand each month.
No, deliberately. Brisc never initiates, holds or moves a payment, so adopting it isn’t a treasury change. The Analyst produces the intelligence: what arrived, what it belongs to, what is outstanding, and the per-carrier reports and premium bordereau you remit against.
That is the book the Analysts are built for. On cyber SME, embedded and micro-policy lines, ten minutes of manual matching erases the margin on the policy itself. Automated matching with the evidence attached makes the line pencil.
30 minutes, no slide deck. Watch the Analyst apply your cash, balance the lines, and build your per-carrier report.
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