Are you an insurance broker with delegated authority?
Do you find your team spending too much time calculating policy premiums manually?
This approach is outdated, error-prone, and limits how much your business can grow.
Today’s technology offers a better way.
An integrated schemes underwriting platform can automate premium calculations — from quotation to policy issue — delivering accuracy, speed, and consistency.
The Problem with Manual Premium Calculation
Brokers with delegated authority often manage underwriting and pricing on behalf of insurers.
When this process is manual, three major challenges appear:
1. Risk of Errors
Manual data entry increases the chance of mistakes.
An incorrect rating factor can cause lost revenue or overcharging, which damages client trust and may lead to compliance problems.
2. Time-Consuming Tasks
Manual pricing requires reviewing rating tables, applying discounts, and checking every calculation.
This time could be used for advising clients, building relationships, or winning new business.
3. Limited Scalability
As your client base grows, manual quoting becomes a bottleneck.
Your team can quickly be overwhelmed by volume, causing delays and reduced capacity for growth.
These issues highlight the need for a more efficient, reliable, and scalable system.
The Solution: Automated Schemes Underwriting
Durell’s schemes underwriting platform solves these challenges.
It automates rating, allowing brokers to operate with higher accuracy, control, and efficiency.
You can build custom rating rules directly into the system.
Once set up, complex calculations are automatic — your team only needs to enter client details to generate a quote in seconds.
Key Benefits of Automation
Improved Accuracy
Automation removes human error.
The platform applies your rating rules consistently, ensuring every quote is correct and compliant.
Higher Efficiency
Your team saves time by eliminating manual calculations.
This allows them to handle more quotes and focus on client service instead of admin work.
Scalable Growth
Whether you process 10 quotes or 1,000, the platform can handle it.
You can confidently grow your schemes without adding operational strain.
Deliver a Modern Quote-and-Buy Experience
Automation isn’t just about efficiency — it also improves the customer journey.
With Durell’s quote-and-buy functionality, clients can get a quote and purchase a policy online.
This meets the expectations of modern customers who want fast, digital experiences.
They can enter details, view an instant premium, and complete payment — all without waiting for manual input.
This process increases satisfaction and opens a new, automated sales channel for your business.
Take Control of Your Schemes Underwriting
Manually pricing policy premiums is no longer sustainable.
It slows growth, introduces errors, and limits scalability.
By automating your premium calculations with Durell’s platform, you can:
Improve accuracy and compliance
Save time across your team
Deliver a better customer experience
Scale your schemes with confidence
Automation empowers brokers with delegated authority to focus on what matters most — building lasting client relationships and growing their business.