The Problem
A mid-market insurance broker in Bahrain handling both commercial and retail policies was losing business to faster competitors. A client requesting a motor or property quote would typically receive comparison terms 24-48 hours later. by which time some had already bound elsewhere. Renewal management was reactive (staff worked through the spreadsheet a week before each policy expiry, often too late to negotiate). Claims triage was a senior broker's job, leading to bottlenecks during high-volume periods.
The MD's mandate: improve quote speed and renewal capture without growing headcount in a margin-compressed market.
What I Built
1. Quote generation engine. A client request (via WhatsApp, email, or web form) is parsed by Claude. extracting risk parameters, requested coverage, special conditions. The system queries the broker's panel of insurers via existing API integrations or templated email requests, aggregates responses, and produces a comparison sheet in the broker's house format. The senior broker reviews and personalises before sending.
2. Renewal sequence automation. Each active policy is tracked; 60 days before renewal the system surfaces the policy for review. A renewal sequence triggers: market re-quote, comparison vs current cover, drafted client letter explaining options. The broker reviews and sends. Renewal capture went from 71% to 93%.
3. Claims triage AI. When a claim is filed (any channel), Claude classifies the claim type, severity, likely complexity, and required documentation. Simple claims (small motor, routine property) follow a fast-track flow. Complex claims (large losses, suspected fraud signals) escalate to senior brokers immediately with the relevant documentation pre-organised.
4. Compliance recordkeeping. Every client interaction (quote, renewal advice, claim handling) auto-generates the regulatory file note required under Central Bank of Bahrain rules. Eliminated a recurring source of audit findings.
Outcome
The broker's market share in commercial motor. a previously stagnant line. grew 22% in 7 months because they could now respond to RFQs faster than their entrenched competitors. Senior brokers shifted their time from routine claims processing to relationship-building with corporate clients, where revenue per client multiples are higher. The MD's CFO described the project's payback period as "less than two months."