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Who we help · Insurance distribution

Reduce the preparation behind submissions and renewals.

Carbon helps brokers, MGAs and consolidators in the UK and the Netherlands find where AI pays off across placing, renewals and claims, build it into the systems they already run, and measure the result against their own numbers.

For larger brokers, MGAs and consolidators. Smaller brokers have their own page on the side for smaller firms.

Insurance distribution

01Where the hours go

Placing, renewals and claims

Where the hours go.

Client information arrives in emails and attachments and gets reassembled for every submission. Quotes from several insurers are compared by hand. Renewals start with the same data gathering every year. Policy documents are checked line by line against what was agreed. Claims notifications are read, logged and routed manually. And Consumer Duty means evidencing customer outcomes across all of it.

02How the work changes

Your sign-off on every workflow

The same work, running differently.

Each workflow is measured against a baseline set before anything is built. The measures named here are agreed with each client, not results already achieved.

  • 01

    Submissions and quotes.

    Emails, forms and previous files become a submission pack. Insurers' quotes come back compared side by side, and your broker advises. Measured by time per submission and quote turnaround.

  • 02

    Renewals.

    Renewals arrive prepared: data refreshed, terms compared against the expiring policy and the client letter drafted. Your broker reviews and sends it. Measured by renewal cycle time and retention.

  • 03

    Policy checking.

    Policy documents are checked against quotes and client instructions. Discrepancies reach your team before they reach the client. Measured by time per check, errors caught, missed material discrepancies and false alerts.

  • 04

    Claims notifications.

    Notifications become logged claims with the details filled in, routed to the right handler. Measured by time to log and time to first contact.

  • 05

    Consumer Duty evidence.

    Your files are prepared for your compliance team's outcomes analysis. Your compliance team reviews it. Measured by time to compile and files reviewed.

03How we start

Discover · one function

  • How we start

    Discover is the first step, with a fixed scope in one function. We assess AI readiness across your leadership team, map how the work runs today and rank the workflows where AI will create the most value. You sign off each stage and can stop at any stage. How we work

  • Built on your systems

    We start from your broking platform, insurer portals and inboxes, subject to access and integration checks. Your brokers keep every client decision and every piece of regulated advice. Every result is reported against a baseline set before anything is built.

  • Consolidating?

    For groups acquiring brokerages, the workflow design is reused across your businesses. Platform access, integrations, permissions and local controls are assessed for each firm you add. Private equity

04Questions brokers ask

  • Does AI advise our clients?

    No. It prepares, checks and drafts. Advice and decisions stay with your brokers.

  • How long until something is live?

    Discover has a fixed scope. Scale takes about 90 days per workflow, and we agree the timeline with you before you commit.

Start with one function and one metric.

Tell us the workflow you want to improve and the result that matters. We will agree where to start.

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