Setup
Thawly for insurance brokers
Monitor your commercial client book for risk-profile changes between renewals — CSV shape, renewal dates, and the signals to expect.
Thawly for insurance brokers
A commercial broker reviews each client once a year, at renewal. Thawly watches the eleven months in between: it monitors your client book against UK public records and flags the events that can change a client's risk profile — a new registered charge, new premises, a contract win, headcount growth, an ownership change — so your account executives can prompt a mid-term review while it still matters.
One principle up front: Thawly surfaces facts; you decide what they mean for cover. We tell you what changed and when, with a link to the public source. We never assess whether a client's cover is adequate — that judgement is yours, as the adviser of record.
What goes on your monitored list
Your commercial client book. Clients import as managed accounts — existing relationships — so the digest reads as proactive client care ("this changed at your client, it may affect their cover"), never as a sales pitch.
Set your vertical first
In Settings, pick Insurance Broking (Commercial) before you upload. This does three things:
- CSV rows import as managed accounts (your book) by default — no extra column needed.
- The client fields speak insurance: Insured value, Renewal date, and Cover type replace the generic deal labels.
- Signal scoring and the drafted notes are tuned for broking — a registered charge (usually a newly financed asset) and new premises rank highest, and each note translates the event into insurance terms.
CSV shape
| Column | Required | Notes |
|---|---|---|
name | yes | The client's company name. |
renewal_date | no, but recommended | YYYY-MM-DD preferred. The header renewal date or just renewal also works. Powers the renewal-anniversary briefing below. |
deal_value | no | Shown in Thawly as Insured value (or use it for annual premium / brokerage — it's your reference figure). GBP, no symbol. |
Only company names are stored — no policyholder contact details, so no personal data leaves your systems. See CSV upload for the general format rules.
What signals to expect
Events are drawn from Companies House, public contract awards, Land Registry, and The Gazette:
- New registered charges — usually a newly financed asset (plant, vehicles, premises) that needs cover from day one.
- New premises — buildings, contents and business-interruption sums may all have moved.
- Contract wins — often carry contractual insurance requirements, and turnover may now exceed the figure declared at renewal.
- Headcount growth — employers' liability exposure rising.
- Ownership and control changes — relevant to directors' & officers' cover and change-of-control clauses.
Each digest entry states what happened, when, and the source — plus a short drafted note your account executive can adapt. The note prompts a review conversation; it never tells the client what cover to buy.
Honest expectations: signals fire only when something changes in the public record. A quiet client can stay quiet for months — that's information too, and Thawly never sends an empty digest to fill the silence.
The renewal-anniversary briefing
If a client has a renewal date, Thawly adds a renewal-prep entry to your digest roughly two months (45–60 days) before each renewal anniversary, summarising what changed on that client since the last renewal — contract wins, charges, hiring, premises. Your account executive walks into the renewal conversation with the year's changes already in hand instead of re-quoting blind.
The three actions in every digest
- Copy message — the drafted client note, ready to adapt and paste into your own email.
- Snooze 30 days — right client, wrong time.
- Not relevant — dismiss it and tell us why; the feedback tunes your future digests.
Beyond the immediate mid-term conversation, the digest also leaves you a documented trail of proactive, event-driven client contact — useful evidence of ongoing monitoring for your SME clients under Consumer Duty.