Industry · Insurance brokers · APRA & ASIC aware

AI that earns its place in your broking house.
Claims summarisation, quote analysis, renewal automation — fixed-scope and CPS 230-ready.

Australian broking houses can save real time with AI — claims-side summarisation, quote and renewal automation, underwriter-portal data extraction, file note generation. The time savings flow straight to the bottom line. We help you deploy AI specifically for broking workflows, with the CPS 230-aligned governance and carrier-ready evidence pack built in from day one.

Where AI is already working in broking houses

Specific use cases. Specific time savings. Specific governance.

Not "AI transformation". Specific tools applied to specific broking workflows — with the audit trail every CPS 230 material supplier needs to keep anyway.

01

Claims-side summarisation and file note generation

AI condenses claim correspondence, generates file notes, surfaces missing information. Hours saved per claim handler per week on standard claims; built with logged prompts and retention rules so the audit side is solved.

02

Quote analysis and renewal automation

AI compares quote terms across markets, flags differences, drafts renewal summaries. Renewal cycles materially faster; decision logic documented to a standard the carrier and PI insurer will accept.

03

Governed meeting capture and client communications

Transcription with proper consent, retention rules configured, access restricted, integrated into your broker system. The same workflow most houses do badly, done in a way the auditor will accept.

04

Carrier-portal AI features — audited and configured

QBE, IAG, Suncorp, Allianz are all rolling AI features into broker portals. The Bundle audits and configures every one of them against your CPS 230 material-supplier framework — so the platform AI helps you without creating exposure.

Where it also needs governing

The same tools, used without discipline, create the carrier conversation no broker wants.

Real findings from real Sprints across Australian broking houses. The same AI tools doing productive work above are also doing this — in houses where nobody's built the discipline yet.

01

Quote engines "recommending" cover without documentation

Both broker-built and platform-provided. The "recommendation" produces FOFA-style obligations the broker may not realise apply — and the AI decision logic is rarely documented to a level that satisfies an APRA reviewer.

02

Claims-side AI scribes without consent discipline

Fireflies, Otter, native platform AI. Capturing privileged communications, claim assessor notes, and material facts with consent obtained at best informally. Privacy Act and state-level recording laws both engage.

03

Underwriter portals adding AI features quietly

QBE, IAG, Suncorp, Allianz and others have rolled AI features into broker portals. Many broking houses don't realise they've opted into AI-driven underwriting features by accepting a terms-of-service update — which exposes them under CPS 230 material outsourcing.

04

PI insurer questionnaires now asking explicitly

"Do you use AI in claims handling or quote generation? Document your AI governance policy." Most broking houses answer honestly and get a premium adjustment. Renewals have been delayed three months over AI questions alone.

Why we build it this way · regulator & carrier awareness

The obligations every broking Build is designed against.

Not generic frameworks. The named regulatory instruments and contractual representations that apply to your AFS licence and carrier appointments — and that every broking AI Build we ship is designed to satisfy from day one.

APRA · CPS 230
Operational risk management standard, effective from 1 July 2025. Material suppliers to APRA-regulated entities — which most brokers are to their carriers — fall within the scope. AI used in claims, underwriting or commission flows is considered material if its failure would disrupt service. Carriers are passing the documentation requirement down to brokers.
APRA · April 2026 letter
Named four AI governance failure modes APRA expects regulated entities to manage: opaque decisioning in claims, biased model outputs, vendor concentration risk, and inadequate board oversight. Brokers acting as material suppliers must demonstrate they're managing these on their carriers' behalf.
ASIC · General insurance product reforms
DDO and IDR obligations apply where AI features in broker-recommended products. If AI is materially shaping the recommended cover, the broker's product-fit assessment must reflect that — and the audit trail has to support it. Most brokers can't.
Privacy Act · ADM transparency (10 Dec 2026)
Brokers using AI in claim assessment, premium calculation, or cover recommendations are in scope. Disclosure obligations attach to advice and claim decisions significantly affected by AI — and civil penalties apply.
PI insurer questionnaires
Most PI insurers added AI governance questions to broker renewals in 2025–26. "Do you have a documented AI use policy?" carries material premium impact. Some insurers are introducing AI-related exclusions where governance can't be evidenced.
Cross-border note

London market exposure, Lloyd's relationships, offshore reinsurance?

Many Australian brokers place into the London market, hold Lloyd's broker authorisations, or work with offshore reinsurance flows. UK and EU AI obligations attach to those flows when AI is involved in placement or claim handling — and EU AI Act extraterritorial provisions catch some broker-supplied models when they affect EU policyholders. The Bundle maps cross-border AI exposure and produces the evidence pack your London brokers, reinsurers, and carriers will ask for.

How we work with insurance brokers

Two ways to engage. Same engineering discipline.

AI & Automation, sold standalone. Managed IT & Security if you want the full operating standard underneath it. Same team behind both, same engineering discipline you apply to your own clients.

01 · AI & AUTOMATION

AI & Automation

CPS 230-aligned AI: claims summarisation, quote analysis, renewal automation. Carrier-appointment-ready evidence pack, PI questionnaire documentation included.

From $3,000 discovery · Full engagement priced on request
See AI & Automation
02 · MANAGED IT & SECURITY

Managed IT & Security

Full IT & security envelope for insurance brokers — helpdesk, Microsoft 365 management, Essential Eight ML1, backup, Quarterly Business Reviews. CPS 230 material-service-provider documentation supplied.

From $1,850/mo (10 users × $185) · Plus onboarding (scope-dependent)
See Managed IT
The 2-week first step

Find out what AI is already happening
in your brokerage. Then decide what's next.

Two weeks. From $4,950 + GST. Discovery of every AI tool — including the ones in your carrier portals — draft CPS 230-aligned AUP, board-ready summary. No MSP relationship required.

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