Custom duty of care file app for insurance agencies
Appfront builds apps for insurance brokers who want to properly record their duty of care beyond the office. The adviser takes the inventory during the meeting on a tablet, records wishes, risks and considerations, and the client signs for what was discussed. The client reports changes in their situation in the app and completes the periodic check. Everything ends up in the file at the office. How that processing works is described on the software page.
What is an app for insurance brokers' duty of care files?
An insurance intermediary has a duty of care: the advice must suit the client's situation and wishes, and the policies must remain suitable when circumstances change. This calls for a thorough inventory, recording what was discussed and why, and a periodic check. The regulator and, in the event of a complaint, the complaints institute, need to be able to see how the advice came about.
In practice, part of the work is done with the client at the table, on paper or in notes that are written up later. What the client said is not always in the file. A client who moves house or starts a business does not report it, because nobody asks. And the periodic check is a letter that few clients return.
We build custom solutions because brokers differ: which clients, which insurances, how advisers work, and which software you use in the office. What the duty of care requires in your situation is for you to decide with your compliance adviser; the app ensures it is recorded, including outside the office and by the client themselves.
Inventory at the table
Situation, wishes, risks and considerations recorded during the meeting, with the client's signature.
Client reports themselves
A move, renovation or new business is reported by the client in the app, with the relevant questions.
Periodic check
The check in the app, with tailored questions, instead of a letter that never comes back.
How we build your app for insurance brokers' duty of care files
We start with your office: which clients, which conversations take place outside the office, how the periodic check works today, and which software you use. If you already have software for the duty-of-care file, or are having it built, everything from the app ends up there. That gives you a single file, whether the work was done at the office or at the table.
Your clients, conversations, periodic check and systems.
Questions by type of client and insurance, with signature.
Overview, reporting changes and the periodic check.
Everything in the duty of care file, followed by management.
What an app for insurance brokers' duty of care files does in practice
The components below come up at almost every insurance broker. Which ones you need depends on your clients.
Discovery
Situation and wishes during the meeting.
Considerations
Why this advice, recorded.
Signature
The client signs for what was discussed.
Changes
The client reports themselves.
Periodic check
In the app, with tailored questions.
Documents
Shared securely with the client.
Who we build an app for insurance brokers' duty of care files for
The app is built for insurance brokers who want to document their duty of care, including outside the office.
Private clients
Many clients and little contact. The periodic check is the core.
Business clients
Companies that change. The changes matter most.
Advisers on the move
Conversations at the client's. The needs analysis is what matters.
Larger brokerages
Many advisers. One way of working is the core.
Test your idea first: a working prototype in 1 day
With OneDayBuild, we turn your idea into something tangible in one day for €1,150, so you can see whether further development is worth the investment. Decide to go ahead with the full build? Then we credit the full cost.
Explore OneDayBuild →Technology and integrations
This page is about the app for advisers and clients. For back-office processing, see our page on duty of care file software, for insurance brokers in general, our page on insurance brokerage software, and for client due diligence, our page on KYC and AML compliance software. You can read about our approach at building software.
Why choose Appfront for your insurance brokerage duty of care file app?
What is discussed at the table but not recorded does not exist when a complaint arises. We build on that: a needs analysis during the conversation, a client who reports changes themselves, and a periodic check that gets carried out.
Recorded
What was discussed is in the file.
Updated on time
Changes come in.
Check completed
More clients respond.
Security and privacy in an insurance brokerage duty of care file app
The app holds clients' personal and financial data. A client sees only their own data, an adviser sees only their own clients, and sign-in is secure, with a second factor where needed.
The app also works without a signal at the client's location, and sends everything as soon as there is a connection. Data is stored in a European data centre, with encrypted storage and daily backups.
Frequently asked questions about an insurance brokerage duty of care file app
Questions insurance brokers ask before getting started.
It lets the adviser record the needs analysis during the conversation with the client's signature, gives the client an overview of insurance policies and advice, lets the client report changes and complete the periodic check themselves, and stores everything in the file at the office.
The software is for the office: the file, scheduling of periodic checks, follow-up of changes and preparation for supervision and complaints. This app is for the conversation at the table and for the client themselves.
They can, but they don't have to. The client side can also work as a secure web page, for example via a link in a message. What works best depends on your clients.
The client receives a message and answers questions in the app that suit their own policies and situation. An answer that points to a change goes to the adviser to follow up.
The change reaches the adviser, with the answers to the related questions. The follow-up is recorded in the file, so it is clear what was done with the report.
Yes. The needs assessment can be completed without a connection and is sent as soon as signal is restored.
Check that first. Some packages have a client portal or a digital check, and those may be enough. Custom development makes sense if advisers work on paper at the table, if the periodic check gets little response, or if clients don't report changes.
Duty of care recorded, including at the table?
Tell us which clients you have, how conversations outside the office are recorded now, and how the periodic check works. We'll show you what the app looks like.