PolicyBridge

Submissions · Wordings · Intelligence

Insurtech · For brokers, MGAs & insurers

One bridge. Three parties. One honest set of answers.

One honest set of answers, entered once — and seen three ways. The Smart Form Portal turns proposal forms and scheme submissions into decision-ready underwriting data. The Wording Studio maps, compares and rewrites policy wordings clause-by-clause. Built for brokers, MGAs and insurers.

Request access See both products

Proposal forms + wordingsClause-level mappingBroker + underwriter ready

Proposal formsScheme intakeWording mappingComparison & synthesisPlain English

Two products · one platform

One bridge. Two halves of the insurance lifecycle.

PolicyBridge covers the full placement arc — from the first client question to the final signed wording. Use either product on its own, or connect them end-to-end.

01 · Submissions

Smart Form Portal

From handwriting to decision-ready data. Proposal forms and scheme submissions become structured underwriting data — with plain-English insight for the client and decision-ready outputs for the insurer.

Trade-specific dynamic proposal forms
Scheme intake with branch logic & evidence prompts
Negative-answer capture — catch the 'no' that moves the rate
Structured underwriting extract, per taxonomy
Per-role views: client insight · broker brief · UW considerations
Audit-ready trail from question to quote

02 · Wordings

Wording Studio

Read every clause like a market specialist — in minutes, not days. Map, compare and rewrite policy wordings clause-by-clause — a forensic-grade wording intelligence bench for brokers, MGAs and underwriters.

Clause-level mapping · base wording vs. up to 10 competitors
Dual-LLM auditor (Claude + Gemini) with broader / narrower / silent verdicts
Wording synthesis — AI-assisted rewrite with 10-step pre-flight review
Plain-English converter, endorsement packs, Summary of Cover
Cross-reference graph · see how every clause connects
DOCX / PDF / HTML exports with tracked changes

The bridge

Answers from a Smart Form submission flow straight into the Wording Studio — so the underwriter sees the client's actual words next to the clause they trigger, end-to-end.

Before PolicyBridge

The submission file arrives. The real work starts.

Every commercial placement is built on scraps — spreadsheets, forwarded emails, half-complete proposal forms, hand-written notes. By the time a submission reaches the underwriter, the story has already been re-told four times. Upsell moments are missed. Quote turnaround slows. Audit trails fragment.

Most brokers still re-key proposal data by hand, between PAS and insurer.

Unstructured emails

Quote requests buried in inbox threads.

Manual proposal forms

PDFs re-keyed line-by-line into the PAS.

Missing answers

Underwriters chase brokers for basics.

Slow quote turnaround

Days lost on formatting, not analysis.

Re-keying data

The same fields typed 3 times across tools.

Inconsistent submissions

Every broker follows their own template.

The bridge between client, broker & insurer

Capture the answers that actually move the rate.

PolicyBridge, registered trademark sits between your client-facing submissions, your broker workflows and your insurer's underwriting systems — translating one into another with structured data, clean audit trails and zero copy-paste.

Smart proposal forms

Trade-specific, dynamic forms that adapt to the client's answers and only ask what the wording actually needs.

Negative-answer capture

Catch the 'no' that moves the rate — prior losses, exclusions, declined cover — before it reaches the underwriter.

Underwriting data extraction

Structured, API-ready fields synthesised from messy submissions. No more re-keying into the PAS.

Broker recommendations

In-line prompts and suggested cover lines, so brokers present a cleaner submission the first time.

The workflow

One clean path from client to quote-ready.

No new system to learn. Just a cleaner route for the data you already collect — from the moment your client opens the form to the moment the underwriter signs off.

Step 01

Broker sends trade-specific form

Choose the right proposal form for the class of business in one click.

Step 02

Client completes dynamic form

Plain-English insight on every question, branch logic, evidence prompts built-in.

Step 03

Key underwriting answers captured

Every answer structured to the underwriting taxonomy automatically.

Step 04

Broker & insurer receive decision-ready data

Clean data packs, audit trails, API-ready JSON for insurer systems.

The product

Every submission, laid out like an underwriter would read it.

Risk flags, missing fields, suggested cover lines, broker notes, API-ready data. Built for the underwriter's eye, priced for the broker's workflow.

Submission status & completeness score
Structured underwriting fields, per taxonomy
Missing-information flags with one-click chase
Audit trail from answer to wording section
API-ready JSON output, or direct PAS push

policybridge.app / submissions / #AXIS-2026-0481Decision-ready 87%

Parallax Media Ltd · Commercial Combined

Underwriting data extract

2 risk signals

Annual turnover

£8.4M

Captured

UK only operations

Yes

Captured

Prior losses (5yr)

2 claims · £42k total

Captured

Flood exposure

Flagged · awaiting client

Missing

Cyber cover requested

£250k limit

Captured

D&O coverage

Not captured

Missing

Broker suggestion

Consider pitching D&O as an add-on — the client has 3 board members and turnover exceeds the £5M threshold.

UW considerations

Flood zone 3

No cyber incidents

Audit trail intact

API output

{
  "risk_flags": 2,
  "completeness": 0.87,
  "cover_lines": [
    "combined",
    "cyber"
  ]
}

Why teams switch

Designed for the real-world messiness of insurance placement.

Every feature pays for itself on the next submission. No six-month implementation, no re-platforming. Plugs into the broker workflow your team already runs.

Faster quote turnaround

Collapse days into hours.

Cleaner UW submissions

Arrive decision-ready, every time.

Up to 75% less re-keying

One capture, every downstream system.

Lower E&O exposure

Advice evidenced, disclosure recorded.

More consistent data

Same taxonomy across every class.

More upsell opportunities

Spot the gaps your clients don't see.

Claims-defensible trail

Every disclosure documented, every claim defensible.

Easier insurer integration

API-ready for any PAS.

Enterprise-ready

Built with insurance operations in mind.

The platform was designed alongside serious broker and MGA operators. That shows up in the details — data control, role-based permissions, structured outputs and audit trails that stand up to FCA scrutiny.

Secure workflows

Role-based access, encrypted at rest and in transit.

Audit-ready data

Every answer tied to the wording section it concerns — Consumer Duty evidence by design.

API-ready architecture

Outputs map to insurer schemas or push direct to PAS.

Built for insurance ops

Designed with brokers, MGAs and underwriters, not for them.

The ethos

From inbox chaos to underwriting clarity.

We're not trying to reinvent the placement. We're removing the friction that lives between the questions you already ask and the answers your underwriters actually need. Every proposal form becomes a structured risk file — no more chasing missing answers.

Risk radar · live

last scan · 00:02

3 flags found across 41 answers

Ready when you are

The right information, first time — the end of the endless follow-up loop.

Cleaner, faster, more consistent submissions — up to 75% less re-keying, with a claims-defensible trail behind every placement.