The verdict in three sentences
A commercial lines insurance brokerage handling 600 claims a year across 2,800 policies loses time and clients when every file depends on an inbox and a spreadsheet. A custom claims management module, priced at EUR 30,000 to 65,000 excluding VAT, centralises notifications, automates insurer follow-ups and opens a client portal where the insured company tracks its claim. Delivered in 3 to 5 months, it frees about one full-time handler and documents the advice trail required by the Insurance Distribution Directive and local conduct rules.
Why a custom module rather than a broker platform alone
Broker management platforms handle portfolios and premium collection well. Commercial claims (fleet, property, liability, goods in transit) often remain a blind spot: missing documents, multiple loss adjusters, exchanges with several insurers. The custom module plugs into the existing platform instead of replacing it.
| Claim stage | Current handling | With the module |
|---|---|---|
| Client notification | Email, phone, scattered documents | Guided portal form, filed attachments |
| Submission to insurer | Manual re-keying | Complete file generated as PDF |
| Insurer and adjuster follow-ups | Handler's personal calendar | Automatic reminders at D+7, D+15, D+30 |
| Settlement tracking | Shared spreadsheet | Status, amounts claimed and paid, reserves |
| Keeping the client informed | Repeated inbound calls | Real-time tracking on the portal |
| Regulatory audit trail | Scattered notes | Time-stamped history of advice and exchanges |
2026 pricing by scope
| Scope | Content | Budget excl. VAT | Timeline |
|---|---|---|---|
| Claims core | Files, documents, statuses, automatic reminders | EUR 30,000 to 38,000 | 3 months |
| Standard | + client portal, dashboards per insurer | EUR 39,000 to 50,000 | 4 months |
| Complete | + broker platform connection, loss ratio analytics per client | EUR 51,000 to 65,000 | 4 to 5 months |
| History migration | Import of open and closed files over 3 years | Priced by volume at scoping | 2 to 3 weeks |
| Hosting | Local data centres, backups, GDPR compliance | Priced separately | Set up in 1 week |
The platform connection depends on its API or exports. We check it during scoping, before any commitment to the Complete scope.
Measurable gains for a 15-person brokerage
| Indicator | Before (2026 estimate) | After | Effect |
|---|---|---|---|
| Handling time per claim | 4 to 5 h | 2 to 2.5 h | About 1 FTE freed |
| "Where is my claim?" client calls | 8 to 12 per day | 2 to 3 per day | Handlers available |
| Average settlement time | 90 to 120 days | 60 to 80 days | Happier clients |
| Portfolio retention rate | 88 to 90 % | 92 to 94 % | Commission protected |
| Preparing for a regulatory review | Days of searching | History export in minutes | Lower regulatory risk |
Mini case study
Emma, partner at a commercial lines brokerage in London, handles 600 claims a year at 4.5 h each, i.e. 2,700 h. The module brings that down to 2.2 h, or 1,320 h, freeing 1,380 h, about one FTE at EUR 55,000 fully loaded per year. On the portfolio side, 2,800 policies at EUR 1,100 average commission represent EUR 3,080,000. Gaining 2 retention points protects EUR 61,600 of commission per year. A Standard scope at EUR 45,000 pays back in under a year.
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FAQ
How much does claims management software for a broker cost?
In 2026, a custom module costs EUR 30,000 to 65,000 excluding VAT. The Standard scope with a client portal sits between EUR 39,000 and 50,000.
Do we need to replace our broker platform?
No, the module complements the existing platform for claims handling. Policies and clients sync through an API or regular exports, depending on what your vendor offers.
Does the module help with regulatory compliance?
It keeps a time-stamped history of exchanges, advice and documents provided to the client. That traceability makes it easier to demonstrate suitability and fair treatment during a regulatory review.
Where is the data hosted?
Hosting can be set up in local data centres, with encryption and daily backups. This is a point to fix at scoping for your contracts with corporate clients.
How long until go-live?
Budget 3 to 5 months. New claims can run on the module from month 3, with history migrated afterwards in 2 to 3 weeks.
Let's scope your project. Share your policy and claims volume and your current broker platform: we will price a scope between EUR 30,000 and 65,000 excluding VAT, delivered in 3 to 5 months. 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.
