13 December 2025
The Hidden Cost of E&O: Why Manual Review is the Biggest Insurance Risk in Your Brokerage
Reliance on "Ctrl+F" and manual comparison for complex policy documents introduces unacceptable E&O risk and costs your firm billable hours. Cluda streamlines the policy review process, standardising diverse wordings into a clear, cited comparison, directly mitigating human error and fatigue.
The True Cost of Manual Policy Review: Fatigue and Exposure
In the London Market, the complexity of a Commercial Combined Schedule or a Commercial Fleet policy wording is the daily standard. Your team handles hundreds of pages of bespoke documents from Aviva, Allianz, Zurich, and the rest. The core process for comparing the incumbent Schedule against a new market quote is almost universally manual: print, highlight, or, worse, rely on a hurried "Ctrl+F" search within a PDF. This workflow is a time sink and a ticking E&O time bomb.
Your most valuable team members—your seasoned brokers and skilled Account Handlers—spend hours on this necessary but soul-crushing compliance task. The pressure is immense. A three-hour manual review, often completed late in the afternoon against a looming renewal deadline, introduces fatigue-driven errors. Missing a sub-limit, an onerous Excess, or a critical exclusion buried on page 47 of a Policy Wording is not a 'bad day'—it's a direct route to a potential claim against your TOBA.
The market is moving faster, but the core tools—PDFs and shared folders—have not. This reliance on outdated, manual processes directly impacts profitability. Every hour an Operations Director or CTO sees an Account Handler spend scrolling through a document is an hour not spent generating new business, addressing a complex claim query, or delivering high-value client service. The challenge is clear: how to standardise non-standard data and mitigate the ever-present human element of risk.
Streamline Compliance: Transforming 3-Hour Reviews into 10-Minute Tasks
Cluda was built by former commercial brokers who understand the trading floor. We designed a B2B platform specifically to solve the manual review bottleneck that plagues firms running on Acturis, OpenGI, or integrated with Salesforce. Our core proposition is simple: reduce your E&O insurance risk by removing the reliance on tired eyes and inconsistent comparison methods.
Our Policy Comparison tool ingests complex, unstructured documents—Commercial Property schedules, Professional Indemnity wordings, and complex Slip documents—and instantly converts them into a structured, comparable data set. This is not simple keyword spotting; it is intelligent mapping of coverage terms across disparate carrier formats.
Efficiency: We turn the standard 3-hour manual, cross-referencing review into a clean, auditable 10-minute task.
Risk Reduction: We eliminate "Ctrl+F" errors and manual fatigue. Our side-by-side matrices use Red/Green highlighting to flag genuine differences in coverage, wording, sub-limits, and Excesses.
Citations: Every comparison point is directly linked back to the original source file. No 'black box' answers. The broker always has the verified text to review and cite to the client. This verifiable audit trail is a critical mitigation against future E&O claims.
Standardise: Comparing Aviva's wording for "Property Damage" against Allianz's phrasing for the same peril is now instantaneous and consistent across your entire brokerage. This means every handler, from apprentice to veteran, uses the same high-signal process.
Enterprise-Ready Security and the Human-in-the-Loop Stance
We understand that security and data ownership are paramount concerns for a CTO. The skepticism around "AI" is warranted, especially regarding client data. Cluda's security architecture is purpose-built for the UK and EU commercial sector:
Data Sovereignty: All client data remains within UK/EU jurisdictions.
PII Redaction: We automatically redact Personal Identifiable Information (PII) before processing.
No Training: We NEVER train our foundational model on your client data or your policy repository. Your data remains yours.
Cluda’s role is to support the broker, not to replace them. Our RAG (Retrieval Augmented Generation) AI Assistant quickly surfaces cited answers for specific claims queries or complex wordings—a crucial feature for Employee Benefits or Cyber policies. Furthermore, our API allows for seamless integration, pushing the structured data directly into your back-office systems or client portals. This integration means you can instantly generate bespoke, branded Renewal Reports that map policy differences directly into your existing Word .docx templates. The final output is always a high-signal draft for the experienced broker to review and approve. The broker remains the final point of authority and expertise—Cluda provides the speed and the rigour.
The Bottom Line: De-risking Your Brokerage
The goal for every Operations Director is to increase efficiency without sacrificing compliance. By leveraging Cluda's structured policy comparison and AI-assisted drafting, you achieve both. You free up skilled brokers to focus on relationship management and complex placement while simultaneously eliminating the principal cause of claims: human error during manual data transcription and comparison. This is not about 'magic'; it is about modernising the foundational process of policy review to genuinely mitigate E&O exposure and unlock immediate ROI.
Frequently Asked Questions
1. How does Cluda.ai specifically help with E&O risk when dealing with complex MTAs?
Cluda standardises the "before" and "after" policy documents related to an MTA. It highlights, in a clear side-by-side format, every single change—not just the ones mentioned in the endorsement. This ensures the broker and client are aware of all consequences and changes to the Wording, providing a clear audit trail and mitigating risk.
2. Does Cluda replace my existing platform like Acturis or OpenGI?
No. Cluda is a vertical AI platform built specifically to solve the unstructured data problem (PDFs, Wordings). It works alongside your core broking platform, which handles the transaction and accounting. We offer a developer-first API to ensure seamless integration and data flow between your back-office and our document intelligence layer.
3. What security measures are in place given the sensitivity of client policy data?
We treat security as paramount. Cluda implements mandatory PII Redaction on all ingested documents and operates with a strict UK/EU Data Sovereignty model. Crucially, your client data is never used to train our models—it is solely used for your specific, cited output.