Insurance broking
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Builds the renewal questionnaire from the expiring schedule in WinBEAT, Insight or the firm's broking system, pre-fills sums insured, turnover, wages and claims history, sends it out ahead of expiry and keeps chasing until it comes back signed.

Assembles the submission pack: completed proposal, claims experience for the years the market asks for, asset and location schedules, declared values for ISR, contract and lease extracts, then lodges to each insurer through Sunrise Exchange or the underwriter's portal and logs the reference.

Puts the terms back from each insurer side by side: base premium against statutory charges, excesses, sub-limits, endorsements applied, exclusions added, and every point where the quoted terms differ from expiring cover, flagged for the broker to work through.

Processes the closing in the broking system, checks the premium breakdown splits correctly across base premium, GST, stamp duty at the right state rate and the emergency services levy where it applies, then raises and issues the invoice.

Prepares the funding quote in IQumulate, Attvest or Hunter, generates the contract for the client to sign, loads the settlement once signed, and reconciles the funder's payment against the invoice and the insurer's due date.

Checks the insurer's schedule line by line against what was placed: named insured and ABN, sums insured, interested parties, endorsements, excesses and period of cover. Raises the correction with the underwriter before the document pack goes to the client.

Prepares certificates for landlords, principals, head contractors, councils and financiers and issues them once the broker has approved the wording, compares the noted or interested party wording against the requirement the broker has identified in the contract, and pulls the insurer-issued certificate from the portal where only the insurer can produce it.

Executes the broker's written instruction to vary cover — vehicle additions and deletions, new locations, sums insured changes, named insured amendments and interested party notings — keying it into Sunrise or the insurer portal exactly as instructed and with no discretion of its own, then issues the adjustment invoice and the updated schedule to the client.

Lodges the claim on the insurer's portal, completes the claim form, gathers quotes, invoices, incident and police reports and photographs, chases the assessor and loss adjuster for movement, and keeps the claims register and the client's status updates current.

Builds the loss history the broker takes to market and to the renewal meeting: claims by class and by underwriting year, paid against incurred, open claims with current reserves, and the large loss detail insurers ask about.

Works the expiry listing so nothing runs off unnoticed, chases unsigned proposals and unreturned declarations, and follows up outstanding premiums before the insurer's cancellation notice period starts running. Processes cancellations, refunds and return premiums when they do.

Merges duplicate client records, corrects entity names and ABNs against the Australian Business Register, attaches missing wordings, schedules and invoices to the right policy, and fills in the occupation and business description fields underwriters rate from.

Checks each file carries what the licensee's audit will look for: the Financial Services Guide issued, or the website disclosure the licensee relies on instead, the signed proposal or declaration, the broker's file note, the confirmation of cover, and the product disclosure documents sent to the client.