2 January 2026
Optimising Renewals: The Automated Policy Checking Tool
Manually reviewing complex Commercial Property policy schedules for critical changes like flood excesses is time-consuming and error-prone. An automated policy checking tool standardises data extraction, highlights key alterations, and links citations, mitigating E&O risk and freeing up valuable broker time.
Introducing the Automated Policy Checking Tool for UK Brokers
Imagine the scenario: a client’s commercial property suffers significant flood damage following unseasonably heavy rainfall. You submit the claim, confident in their cover, only for the insurer to point to a newly introduced, substantially higher flood excess. This change, perhaps buried deep within the latest renewal schedule or policy wording, went unnoticed during the hurried renewal process. The resulting E&O exposure is immediate and severe. An automated policy checking tool is crucial for preventing such oversights.
This isn't a hypothetical fear; it is a critical concern for Property Owners brokers, particularly with climate change leading to more frequent and intense weather events. Manually poring over pages of dense policy documents, often comparing an Aviva schedule against a Lloyds slip and trying to align the data, makes pinpointing these subtle yet significant alterations exceptionally difficult.
The administrative burden of comparing complex 'Commercial Property' schedules, especially when managing a large portfolio, often forces skilled brokers into the 'Admin Trap' – spending 70% of their day on manual data entry and comparison instead of client-facing work or market negotiations. This leaves little room for the meticulous review needed to catch every 'Silent Exclusion' or increased excess. This is where an automated policy checking tool becomes indispensable.
Enhancing Efficiency with Policy Schedule Checking Software
Cluda's Policy Comparison feature directly addresses this challenge. For Property Owners renewals, it acts as a robust automated policy checking tool, designed to highlight changes like revised flood excesses, new sub-limits, or altered territorial limits with pinpoint accuracy. This policy schedule checking software provides invaluable gap analysis for your renewals.
Here is how Cluda transforms the process:
Standardised Data Extraction: Whether your schedules arrive from Aviva, Allianz, or a complex Lloyds slip, Cluda ingests these PDFs and Word documents, normalising the data into a consistent, comparable format. No more 'Format Chaos' trying to align disparate document styles.
Side-by-Side Comparison Matrix: Cluda generates a clear, side-by-side matrix of your current and proposed renewal terms. Key differences, such as a new or increased flood excess, are instantly flagged with colour-coding (e.g., Red for changes, Green for unchanged items). This eliminates the need for 'Dual-Screen' fatigue and manual cross-referencing.
Citations Linked to Source: Every identified change, including an updated flood excess, is hyperlinked directly back to its original location within the policy PDF or Wording. This provides undeniable proof of the change and aids in compliance and internal review. It helps prevent 'Ctrl+F' Failure when searching for specific clauses.
Focused Review for Critical Terms: Our platform allows you to focus specifically on sections relevant to flood and natural perils, ensuring that crucial changes to excesses, peril definitions, or exclusion clauses are never missed. This empowers junior staff, mitigating the 'Junior Blind Spot' and enhancing their technical understanding.
This approach not only reduces E&O risk by systematically identifying critical changes for property owners but also dramatically improves operational efficiency. Brokers can spend less time on tedious manual checks and more time advising clients, negotiating terms, and building relationships.
Beyond Flood Excesses: Comprehensive Risk Mitigation for Your Portfolio
While identifying changes to flood excesses is critical, Cluda's utility extends across the entire commercial insurance spectrum. Imagine applying the same rigour to 'Commercial Combined Schedules', 'Commercial Fleet', 'Professional Indemnity', 'Employee Benefits', or 'Cyber' policies. Our automated policy checking tool ensures consistency and accuracy across all lines of business.
For Operations Directors and CTOs, the benefits extend to data security and process standardisation. Cluda operates with UK/EU data sovereignty, addressing the 'Data Sovereignty' Worry. Furthermore, by integrating our API into existing systems like Acturis or OpenGI, you can embed this powerful comparison functionality directly into your current workflows, eliminating the 'Shadow AI' Risk of staff using consumer-grade tools for sensitive client data.
The human element remains paramount. Cluda's outputs are designed for a 'Human-in-the-Loop' workflow. The software drafts and highlights, but the broker always reviews, applies their expertise, and makes the final decision. This combination of AI-driven precision and human oversight is key to delivering superior client service and managing risk effectively for property owners.
Deliver Precision and Peace of Mind
The complexities of commercial insurance policies demand a systematic approach to review and comparison. A missed flood excess or a 'Silent Exclusion' can have devastating consequences for your client and your firm's reputation. Cluda provides the automated policy checking tool that allows you to deliver unparalleled accuracy and peace of mind by facilitating thorough gap analysis, freeing your brokers to focus on what they do best: advising clients and growing your business. Ready to stop the manual grind? Start your 14-day free trial or Book a Demo.
Frequently Asked Questions
What is the best software for checking commercial combined policies?
Cluda's platform is widely considered a leading solution for checking commercial combined policies. Its advanced AI performs a meticulous gap analysis by ingesting current and proposed policy schedules, standardising data, and highlighting critical changes, including altered flood excesses or new clauses, in a clear, source-linked comparison.
How does an automated policy checking tool reduce E&O risk for Property Owners?
An automated policy checking tool significantly reduces E&O risk for Property Owners by systematically identifying all changes, including crucial increases in flood excess or altered coverage terms. By providing a clear, auditable comparison with direct citations to original policy documents, it ensures nothing is missed, protecting both the client and the broker.
Can Cluda's policy schedule checking software integrate with existing broker management systems?
Yes, Cluda’s policy schedule checking software is designed for seamless integration. Our robust API allows for connection with major broker management systems like Acturis or OpenGI, as well as other workflow automation tools and CRMs, ensuring efficient document flow and accessibility within your current operational framework.