Policy, claim and renewal workflows for insurance agencies.
An insurance agency's real work is not selling a policy — it is everything that happens before and after: quoting, issuing, chasing instalments, handling endorsements, opening claim files and making sure renewals do not slip past unnoticed. Most agencies manage this across phone calls, spreadsheets and chat messages, which means the moment a colleague is away, the thread is lost. Tenderely BPM ties each policyholder, their cover and every event around it into one traceable record, without code.
What does an insurance agency repeat every week?
01
Prospect and quotation
A prospect calls, details are noted, one or more carriers are approached for a price. Without a structured record, different staff give the same prospect contradictory information.
02
Policy issuance
The accepted quote becomes a policy. Vehicle data, sum insured, start and end dates, premium amount and payment schedule all need to live in one place.
03
Premium instalment tracking
Many policies are paid in instalments. A missed payment can void cover, so chasing each due date cannot depend on someone remembering.
04
Endorsements and mid-term changes
A vehicle changes hands, a plate is updated, cover is extended. Each change creates a new document and alters the premium — the record must reflect it.
05
Claim handling
A claim is reported, a file is opened, documents are collected, the insurer is notified and the outcome is tracked. Every step has a waiting party.
06
Renewal reminders
Policies expire on a fixed date. Contacting the customer ahead of time is the cheapest retention action an agency has — and the first thing missed when managed by hand.
Where does this break down today?
The customer's history is scattered
One policy in a folder, the claim in a WhatsApp thread, the renewal call in a diary note. When a colleague covers for someone, they start from scratch — and the customer feels it.
Instalment due dates are missed
A spreadsheet of due dates only works if someone checks it daily. The day it is not checked, a policy lapses and the conversation with the customer becomes a difficult one.
Claim status is a phone call away
Customers ring to ask where their claim stands. Staff ring the insurer to find out. The answer rarely reaches the customer the same day, and the file rarely records what was said.
Commission is calculated by hand
Matching each policy to the commission due, adjusting for endorsements and tracking what has actually been paid requires a reconciliation exercise nobody has time to do well.
What changes with Tenderely BPM
01
One record per policyholder
Vehicle data, cover details, instalments, endorsements and claim files are all parts of the same record. Whoever opens it sees the full picture — no handover notes needed.
02
Due dates chase themselves
Assign an SLA to an instalment step and the system sends a reminder when the date approaches. A missed payment becomes a visible alert, not a silent lapse.
03
Approval steps without code
Conditional and parallel approval steps are configured, not coded. An endorsement that needs a manager sign-off, or a claim settlement above a threshold, follows the rule automatically.
04
Customers submit claims from outside
Send a public link and the customer fills in first-notice details and attaches photos directly. The submission lands on the claim record without anyone re-keying it.
05
Commission is tracked, not calculated
Because each policy and endorsement is a structured record, Tenderely BPM can surface what is owed and what has been received on a dashboard instead of leaving it to a monthly spreadsheet exercise.
06
Renewals never slip past
Expiry dates trigger reminder steps well in advance. The agent sees which renewals need a call this week, and the customer gets a notification — both in the same flow.
FAQ
Can we start with our existing data, such as current policies and customer records?
+
Yes. Data can be brought in via Excel or CSV import, so you do not have to build the record base from scratch. Once imported, each record follows the same workflow as a newly created one.
Can multiple agents work on the same account without stepping on each other?
+
Yes. Role- and unit-based permissions decide who sees and edits what. One agent can be limited to their own portfolio while a manager sees the whole book. Every change is logged with who made it and when.
Can customers see their own policy or claim status?
+
If you choose to allow it. A customer can be connected as a linked external user who sees only their own record and any step that is waiting on them — not your internal data or other customers' records.
What happens when a policy is renewed — does a new record have to be created from scratch?
+
No. The renewal flow can carry forward the existing policyholder and vehicle data into the new policy period. The agent reviews, updates what has changed and confirms — the history of previous periods stays linked.
How do we track which renewals and claims are overdue across the whole agency?
+
Overdue steps, pending approvals and upcoming expiry dates appear on a shared dashboard. You do not have to run a report — the numbers are simply there when you open the screen.