Insurance Broker Process flowchart template
Editable insurance broker workflow with swimlanes for Customer, Broker, Insurer / Underwriter, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
What the insurance broker process flowchart process is
This brokers template follows a specific operating record from client asks broker for cover to hand over documents and servicing contact. The Customer, Broker, Insurer / Underwriter, Policy Operations lanes show who gathers information, who evaluates it, and who owns the final handoff. Adapt the roles and documents to your product and distribution model.
The first gate asks whether submission complete. An incomplete case goes through clarify exposures with client and returns to validation. The later gate asks whether client accepts placement; a failed review goes through revise terms or seek another market before the decision is reconsidered. Record the reason at each branch so the next team can reconstruct the outcome.
This is an operational starting point. Coverage terms, authority limits, notices and required records vary by insurer, product and jurisdiction; the diagram does not establish regulatory compliance or decide an individual customer's entitlement.
What this flowchart covers
In this template
- Client and Market: gather needs, risk facts and authority and prepare market submission
- A correction loop from submission complete? to clarify exposures with client
- Offer: submit to suitable insurer markets and compare terms and explain differences
- An exception route through revise terms or seek another market
- Closure through confirm bind with insurer and client and hand over documents and servicing contact
When to use this template
- You need to assign ownership across Customer, Broker, Insurer / Underwriter for brokers work
- Cases regularly pause for missing information or unclear authority and need a visible return path
- You are updating a procedure and want staff to compare actual handoffs with the documented path
How it works
Map the actors
Replace the example lanes with the actual teams that perform gather needs, risk facts and authority, compare terms and explain differences and confirm bind with insurer and client. Keep a separate lane for any independent decision owner.
Define the intake check
Specify the information and evidence needed before the Submission complete? gate can pass. Put the owner of clarify exposures with client on the return loop.
Set the decision authority
Document who may decide client accepts placement? and what sends a case through revise terms or seek another market. Use your own product terms and authority matrix.
Confirm the handoff
Check the output of confirm bind with insurer and client against what the receiving team needs to complete hand over documents and servicing contact.
Frequently asked questions
What does this insurance broker template show?
It shows client asks broker for cover, intake and validation, an information correction loop, assessment, an exception review loop, and hand over documents and servicing contact. The lanes identify the teams responsible for each handoff.
Can I use this flowchart for every insurance product?
Use it as an editable starting point. Replace the example evidence, decision criteria, authorities and communications with those for the product, insurer and jurisdiction involved.
Does this template establish legal or regulatory compliance?
No. It illustrates an operational workflow and contains no universal deadline, threshold or mandatory regulatory procedure. Have the relevant specialists check local obligations before adopting it.
Where this process fits
In most operations this process hands off to Commercial Insurance Underwriting Process flowchart template.
Comes after
- Commercial Insurance Underwriting Process flowchart template — Editable commercial insurance underwriting workflow with swimlanes for Client, Broker, Underwriter, two decision gates, correction and review loops, and a documented handoff to the next insurance operation.
Part of
- Insurance
- Brokers