The verdict in three sentences
A broker client portal costs between EUR 25,000 and 60,000 (ex. VAT) in 2026 depending on automations (renewal reminders, document upload, claims filing, e-signature). It frees up 8 to 12 hours per week by eliminating certificate requests and manual renewal chasing. The value comes not from the portal alone but from the automations that protect your recurring revenue.
Features by tier
A broker portal must cover the policy lifecycle: onboarding, certificate, renewal, claim. Here are the 2026 tiers.
| Tier | Indicative price 2026 (ex. VAT) | Key features | Timeline |
|---|---|---|---|
| Essential | EUR 25,000 – 34,000 | Policy access, certificate download, document upload | 4 months |
| Growth | EUR 35,000 – 48,000 | + automated renewal reminders, claims filing, e-signature | 5 months |
| Premium | EUR 49,000 – 60,000 | + insurance management tool connection, multi-policy dashboard, SMS notifications | 6 months |
On top, budget maintenance of 12 to 18 % of the project cost per year.
Automations and hours saved
Each automation removes a repetitive task from your team. Here's the measured impact in 2026.
| Automation | Task removed | Hours saved / week |
|---|---|---|
| Automated renewal reminder | Manual renewal tracking | 3 – 4 h |
| Self-service certificates | Manual certificate sending | 2 – 3 h |
| Online claims filing | Phone/email intake | 1 – 2 h |
| E-signature | Print, scan, chase | 1 – 2 h |
| Automated notifications | Manual follow-up emails | 1 h |
| Total | — | 8 – 12 h |
Custom build or insurtech solution?
| Criterion | Insurtech solution | Custom portal |
|---|---|---|
| Upfront cost | EUR 20 – 80/user/month | EUR 25,000 – 60,000 |
| Specific automations | Standardised | Tailored to your process |
| Connection to your tools | Limited connectors | Bespoke |
| Brand and client experience | Framed by the vendor | Entirely yours |
| Data and hosting | With the vendor | EU, of choice |
| Vendor lock-in | High | None |
Mini case study
Sarah runs a 7-person brokerage in New York, managing around 1,400 policies. Two staff together spend 10 hours per week sending certificates and chasing renewals. Estimated loaded cost: EUR 30/h, i.e. 10 × 30 × 47 ≈ EUR 14,100/year. Worse, about 3 % of policies aren't renewed on time for lack of chasing, a straight commission loss.
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She invests EUR 44,000 in a Growth portal with automated reminders and self-service certificates. Administrative time drops to 2 h/week (saving ~EUR 11,300/year) and the non-renewal rate falls below 1 %. Between time saved and commissions preserved, the portal pays for itself in about 2.5 years.
FAQ
What budget for a broker client portal in 2026?
Between EUR 25,000 and 60,000 depending on automations. Renewal reminders and online claims filing move you from the Essential to the Growth tier.
Are renewal reminders really automatic?
Yes, the system detects renewal dates and sends emails and SMS without intervention. It's the highest-ROI automation, as it protects your recurring revenue.
Can the portal connect to our insurance management tools?
Yes, via API. It's the main line item of the Premium tier (often EUR 8,000 to 15,000) and it eliminates double policy entry.
Can clients file a claim online?
Yes, with a guided form and document upload. It speeds up processing and reduces phone exchanges.
What is the delivery timeline?
4 to 6 months depending on the tier. Automations and integration with management tools extend the schedule versus a simple viewing portal.
Let's scope your project. Tell us your policy volume, management tools and priority automations, and we'll frame a portal to a suitable budget. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
