Financial resilience
Cash reserves, ongoing costs, revenue, debt obligations, and the ability to withstand an interruption.
Insurance intelligence. From need to placement.
Find the coverage
worth placing.
Understand the business behind the policy. Find where additional insurance could protect cash flow, unlock a contract, or address a critical dependency. Then move the opportunity toward placement.
Building with commercial retail agencies and wholesale partners.
Better protection for clients. New business for brokers.A closer look ↓
The opportunity inside your book
A policy describes the cover.
The business explains the need.
A new customer changes revenue concentration. A supplier becomes indispensable. Fixed costs grow faster than a client’s cash reserves. The insurance programme may stay exactly where it was.
Producers cannot revisit every account in that depth between renewals. Alfred is being built to turn the information already in the client file—enriched with relevant external signals—into a focused answer:
What should this client consider insuring next, and why is it worth their attention?
01 / Understand the whole business
Understand the business.
Then assess the cover.
Connect what the business does, what it depends on, what it can absorb, and what its insurance actually covers.
Operations & dependencies
Locations, headcount, business changes, key people, and customer or supplier concentration.
Contracts & existing coverage
Customer agreements, leases, financing requirements, policy limits, exclusions, and endorsements.
External context
Relevant hazard, property, and business signals that add context to the client’s own records.
Illustrative account profileFor producer review
Harbor Components
Regional manufacturer · fictional example
- Monthly ongoing costs
- $80k
- Available cash
- $120k
- Primary supplier share
- 70%
- Business income limit
- $100k
The question behind the numbers
Could this business keep paying its bills through a prolonged shutdown?
Cash covers approximately 1.5 months of ongoing costs before incoming revenue or other financing. The policy limit alone doesn’t tell us how much would be recoverable.
Sample figures explain the product concept. This is not a coverage determination or insurance recommendation.
02 / Identify where coverage creates value
See the need.
Understand the value.
The right opportunity connects a specific exposure to its business consequence, the existing cover, and the evidence still needed.
Business continuityThe shutdown ends.
The shutdown ends.
The cash may run out first.
A manufacturer has $120k in cash and $80k in monthly ongoing costs. Its current business income limit is $100k. A longer interruption deserves a closer review of how the business would stay afloat.
Why the client should care
Coverage may help preserve payroll, meet obligations, and keep the business operating through recovery.
Opportunity briefIllustrative
- Review
- Business income limits and recovery period
- Evidence
- Cash position + ongoing costs + current policy
- Confirm first
- Covered causes, waiting periods, restoration period, actual income exposure, and other available funds.
- Next step
- Producer validates the need, then prepares a submission for suitable coverage options.
Interactive product illustration. Figures and accounts are fictional; no live analysis, pricing, or quotes are generated.
More insurance is not automatically better insurance.
The question is whether the additional protection serves this business: preserving continuity, meeting an obligation, or enabling growth. Evaluate the benefit alongside premium, terms, exclusions, existing protection, and practical alternatives. Overlapping cover and unnecessary spend deserve attention too.
03 / Follow the opportunity through
From “they need this”
to “let’s place it.”
The product vision connects intelligence to the work that follows: preparing the submission, taking it to market, comparing responses, and tracking the outcome.
Prioritize the opportunity
Review the business impact, supporting evidence, timing, and unanswered questions. Decide what warrants a client conversation.
Prepare the submission
Carry the account profile and validated need into a submission. Identify missing information before sending it to market.
Work the market
Bring retail and wholesale partners into the placement. Assess appetite and track requests, responses, and outstanding requirements.
Compare & follow through
Review quotes and terms with the client, record the placement decision, and track the resulting premium and commission.
Designed to keep the broker in control of advice, market selection, and placement.
Product vision · In developmentBuilt around the relationship
Retail owns the advice.
Wholesale helps find the market.
Find the next conversation
inside the existing book.
Understand which clients may need additional or different protection, why it matters to their business, and what to bring to the conversation.
- Evidence-backed account reviews
- Prioritized coverage opportunities
- A path from client need to submission
Start with a clearer risk.
Move toward a better placement.
Receive a fuller account profile and the reason behind the request. Enrich submissions, identify missing details, and assess suitable markets with the retailer.
- More complete submission context
- Appetite and response tracking
- Coverage opportunities returned through the retailer
The outcomes we’re building toward
Protection that matters.
Growth you can trace.
For the business
A clearer understanding of what could disrupt its obligations, cash flow, and growth—and which coverage options deserve consideration.
For the broker
New business from existing relationships, with less work between finding an opportunity and preparing it for market.
For the agency
A way to follow validated opportunities through submission, quote, and binding—and measure the premium and commission they produce.
Evidence first. People in control.
Intelligence you can
question and explain.
A recommendation is only useful if the producer can understand it, challenge it, and explain it to the client.
Show the reasoning
Connect every proposed opportunity to its source records, business assumptions, and policy context. Make missing information visible.
Keep the decision human
Alfred’s intended role is to support needs assessment and placement work. The broker validates the analysis and advises the client.
Agree how data is used
Pilot data access and permitted uses will be agreed with each partner. Shared market intelligence is a longer-term ambition, subject to permissions and confidentiality obligations.
Longer-term direction
Learn from the placement, not only the policy.
With appropriate permission, patterns in quotes, declines, terms, and outcomes could help participating brokers understand changing market appetite. This is a longer-term capability to develop with participating partners and appropriate data permissions.
Built in Berkeley
Technology in service
of better judgment.
We’re Piyush, Jaisal, and Aadi. Our team brings together production AI experience, engineering, business, and actuarial study.
We’re building Alfred with the people who know the work: producers, account teams, and wholesale partners. The aim is to connect a deeper understanding of each business to better coverage decisions and a more complete placement workflow.
Help shape Alfred
Start with your book.
Build what comes next.
We’re looking for commercial agencies and wholesale partners to help shape the account review and placement workflow.
Talk to the founders contact@indigopartners.businessEarly access · Product in development. Start with a conversation; we’ll agree the scope before requesting client records.