Question 1

What is PolicyCheck?

Accepted Answer

PolicyCheck is Structured Policy Intelligence for insurance distribution. We read the actual policy — the wordings, schedules, limits, exclusions, and endorsements — and tell you exactly what it covers, what it doesn't, and whether it's right. Every answer traces back to the clause, so advice is faster, clearer, and fully defensible. Insurance you can verify.

Question 2

Who is PolicyCheck for?

Accepted Answer

PolicyCheck serves brokers who need faster answers traced to the clause; coverholders who need automated authority checks at issuance; and managing agents who need live oversight before bind. The same intelligence scales from individual adviser comparisons to portfolio-wide delegated authority oversight across AU, NZ, and the UK.

Question 3

What is Structured Policy Intelligence?

Accepted Answer

Structured Policy Intelligence reads the structure of a policy, not just its words. We ingest documents, classify wordings, normalise terms, and map how clauses interact — then surface gaps, exclusions, and conflicts traced to the exact supporting clause. It is one system built for regulated markets where every conclusion must be defensible.

Question 4

How does PolicyCheck read a policy?

Accepted Answer

PolicyCheck ingests policy documents — wordings, schedules, endorsements, and supporting material — and reads their structure. We classify wordings, normalise terms, and map how clauses interact so buried exclusions and conditional language are found before bind or claim, not after.

Question 5

How does PolicyCheck compare insurance policies?

Accepted Answer

PolicyCheck breaks policies into structured components — limits, exclusions, conditions, endorsements, and obligations — and compares them directly against captured client needs. Advisers see what is covered, what is not, and what has changed, with every difference traced to the supporting clause.

Question 6

What does "show your working" mean in practice?

Accepted Answer

Every answer, comparison, and recommendation points to its source clause — visible in every screen, report, and recommendation. You can verify the conclusion yourself rather than take it on faith. Judgement stays with the adviser or underwriter; PolicyCheck makes the reasoning auditable.

Question 7

What happens if PolicyCheck surfaces something incorrectly?

Accepted Answer

Every output is traceable to the clause it came from, so you can verify it immediately. PolicyCheck supports the human reviewing the work — it does not replace them. Material comparisons and changes are logged and audit-ready, and the adviser remains accountable for the final call.

Question 8

Do you use generative AI to make underwriting or advice decisions?

Accepted Answer

No. PolicyCheck uses structured intelligence to read and compare policies and surface what matters — but it never makes the decision. Models may assist with reading and extraction, yet every output points to the source clause so a person can check it. We show our working precisely so judgement stays with you.

Question 9

How does PolicyCheck help brokers day to day?

Accepted Answer

Brokers get faster answers traced to the clause, coverage-gap identification at scale, and defensible recommendations they can stand behind. Less time searching documents, more time advising — with clearer records to support compliance and audits.

Question 10

How does PolicyCheck help coverholders and managing agents?

Accepted Answer

Coverholders get faster automated authority checks — within, refer, or outside — with fewer surprises and audit-ready evidence produced at issuance. Managing agents get live oversight before bind: a digital twin of every binder, every policy checked as written, with continuous audit and exception data.

Question 11

How do insurers benefit from PolicyCheck?

Accepted Answer

Better advice quality upstream leads to fewer disputes, clearer placements, and stronger alignment between risk and cover. PolicyCheck improves signal quality before bind — not just efficiency after. It complements existing insurer and broker systems; it does not replace underwriting or pricing.

Question 12

Does PolicyCheck replace the policy wordings and legal documents?

Accepted Answer

No. The digital twin is a navigable, checkable layer over your documents — the wordings, schedules and endorsements remain the authoritative contract. PolicyCheck makes them easier to read, question and check; it never overrides them, and every answer points back to the source clause.

Question 13

How does PolicyCheck handle a binder that changed mid-term?

Accepted Answer

Through version-at-a-date resolution. PolicyCheck takes the base binding authority and overlays the endorsements and mid-term adjustments (MTAs) that applied on a given date, so it resolves exactly which version was in force at that point. The same binder correctly gives different answers on different days.

Question 14

Which binder templates do you support?

Accepted Answer

PolicyCheck recognises standard market wordings including LMA3113A, LMA3114 and LMA3115, their multi-year variants, the LMA3134 service company agreement, and legacy wordings such as LMA3113 (2013). Where a binder deviates from a standard template, that deviation is flagged for review.

Question 15

Does PolicyCheck just summarise the documents?

Accepted Answer

No — it checks them. Beyond reading and structuring the pack, PolicyCheck runs authority and coverage checks and evidences every verdict back to the specific clause, document and quote it came from, so each conclusion can be verified rather than taken on trust.

Question 16

Can PolicyCheck handle multilingual binders?

Accepted Answer

Yes. Binders and policies in different languages are normalised into one structured output, so a non-English binder gets exactly the same checks and oversight as a domestic one — regardless of source language.

Question 17

How does the client benefit?

Accepted Answer

Clients receive clearer explanations of what they are covered for — and what they are not. Comparisons are easier to understand, advice is more transparent, and surprises at claim time are reduced because exclusions and gaps are surfaced earlier.

Question 18

Does the client interact directly with PolicyCheck?

Accepted Answer

Typically, PolicyCheck supports the adviser behind the scenes. Some firms choose to share outputs or summaries with clients, but the adviser remains the primary interface and accountable party.

Question 19

How does PolicyCheck help with claims?

Accepted Answer

PolicyCheck helps advisers and clients understand coverage before a claim occurs — including buried exclusions that can change everything. When a claim does happen, having clear records of needs, advice, and policy terms reduces confusion and disputes.

Question 20

Does PolicyCheck monitor policies and authority over time?

Accepted Answer

Yes. Policies, binders, and client circumstances change. PolicyCheck supports continuous audit and authority checks over time — identifying when updates, endorsements, referrals, or reviews may be required, rather than waiting for a reactive fix.

Question 21

How secure is PolicyCheck?

Accepted Answer

Security is built in by design. PolicyCheck uses tenant isolation, audit logs, access controls, and regional data governance aligned with AU, NZ, and UK requirements.

Question 22

Where is data stored?

Accepted Answer

Data is stored in-region, aligned to customer and regulatory requirements. We do not use customer data to train public AI models.

Question 23

Is PolicyCheck compliant with regulation?

Accepted Answer

PolicyCheck is designed to support regulatory compliance by capturing evidence, reasoning, and approvals throughout the advice workflow. It does not remove adviser accountability — it strengthens it with clause-level traceability.

Question 24

What systems does PolicyCheck integrate with?

Accepted Answer

PolicyCheck is API-first and designed to integrate with broker systems, CRMs, document platforms, and partner tools. We prioritise integrations that reduce duplication and improve advice workflows across the distribution chain.

Question 25

How can I book a demo?

Accepted Answer

Book 20 minutes at policycheck.co/demo. You will see PolicyCheck read a real policy and show its working — every answer traced to the clause.

Question 26

How do firms get started with PolicyCheck?

Accepted Answer

Firms typically start with onboarding and workflow mapping, followed by loading policies and running live comparisons. We support early users closely to ensure adoption and value — from individual advisers to multi-office enterprises.

Question 27

Is PolicyCheck suitable for small firms and large enterprises?

Accepted Answer

Both. PolicyCheck scales from individual advisers to multi-office firms and delegated-authority operations, with configuration options to match different operating models.

Your questions, answered clearly.

How It Works

Brokers, Coverholders & Managing Agents

Delegated Authority & the Digital Twin

Clients (Policyholders)

Claims, Audit & Oversight

Security, Privacy & Compliance

Integrations & Getting Started

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