Every feature, at a glance

Everything in this list is in this app, or in the free foundation that installs with it.

Reporting

Today, yesterday, this week — on every list — Submissions, policies, endorsements, claims, payments, reserve movements, instalments, premium and levy lines all filter by the same eight periods, and Portfolio Overview takes them too — each compared against the window of the same length immediately before it.

One book, several currencies, one number — Every figure on Portfolio Overview — the tiles, the production chart, the loss ratio by class, the alerts and the tables — is converted into the company’s currency at the rate in force on the close of the window, and at today’s rate for a balance. Classes of business and the largest claims are ranked after that conversion, so a book written partly in another currency is ordered the way the accountant would order it.

Posts into the standard Accounting — Premium and levies leave this app as customer invoices and credit notes on account.move , in the standard journals, so receivables, payment matching and reporting are Accounting’s. The levy is computed here — caps, effective dating, a fixed amount per certificate — and then forced into the native tax engine, so the invoice prints the figure the policy was rated at and a credit note reverses the capped figure instead of recomputing it from the rate. The period close posts unearned premium and deferred acquisition cost as journal entries, and a claim reaches the ledger the day it is reserved: every reserve movement and every settlement post themselves, so claims paid, the movement in outstanding claims and the loss ratio are figures an auditor can drill into rather than a total on a claims screen.

Submission & proposal questions — Answers that refer or decline on their own, with the rule that fired named on the referral.
Authority limits per user — Binding, reserving and payment limits enforced separately, because they are three different decisions.
Versioned quotes & declinations — A declined risk keeps its reason; a quote keeps the terms it was given on.
Target premium against quoted — What the broker said it would take, beside what you priced — so a lost enquiry shows whether it went on price.

Class-driven forms — Motor asks for a registration mark, life asks for a beneficiary. The class decides the form.
Rate bench & readiness — Price a hypothetical risk without a submission; a readiness check says what is still missing before a product goes on sale.
Rate impact — What a rate change does to the book, policy by policy, before it is made.

Endorse, cancel, reinstate, rewrite — Each a dated transaction that produces a version with its own premium movement, including out-of-sequence ones.
Renewals, invited and worked — An expiring-book pipeline and a renewal notice, with terms re-resolved rather than copied from last year.

Rating tables & factors — Up to three axes, ranges or exact values, versioned with an in-force date; loadings and discounts on top.
Earning per premium line — Daily, 24ths, 12ths, eighths or fully earned, chosen per line rather than per policy.
Unearned premium close — A quarterly run that computes the reserve and deferred acquisition cost and posts the movement.
Short-rate cancellation — Both conventions, because a haircut on the unearned and a surcharge on the earned are not the same number.

Instalment plans — Percentages and offsets, so one plan serves every premium and the instalments add back exactly.
Direct bill & agency bill — On agency bill the intermediary is invoiced for the net, because the insurer never receives the gross.
Dunning ladder — Reminder to cancellation, forward only; cancellation for non-payment goes through the ordinary route.

Levy engine — Ordered and compounding, with caps, floors and rounding, and an insurer-borne leg that is accrued, never invoiced.
Commission ceilings — Per class, per policy year, per intermediary type — ceilings, floors and prohibitions as three rules.

Exposures & reserve movements — Reserved per coverage and claimant, indemnity apart from expense, every movement kept and dated.
Payments, recoveries, salvage — A payment consumes the outstanding reserve; subrogation and salvage come back the other way on the same claim.
Fraud indicators — Explained scores, and a review band that blocks settlement until a claims manager clears it.

Working-hours service levels — Clocks on claims, submissions and referrals that run on the calendar the office keeps, with escalation on breach.

Production, loss ratio, retention — Written and earned premium, incurred loss and the ratio between them — pivotable, drilling into their records.
Development report — Accident period down, development across, off the dated claim movements. Projection is the Reserving add-on.

Rating API — Bearer-key JSON: list products, quote a risk, retrieve it, accept it. Idempotent, rate-limited and logged.
In the accounts, not beside them — Written premium, the unearned reserve, the levy legs and claim payments post as ordinary journal entries.

The version in force — The customer sees the version actually on risk, with its limits, deductibles and fees beside the premium.
Notify a loss from the roadside — One column, large targets, the camera on the file input, and cover checked before anything is written.

Schedule, debit note, endorsement — Six documents in the reader's own language, refused where their figures would not reconcile.

Sixteen roles on eight desks — Each desk a dropdown on the user form, with access rules the system enforces.