Your brokerage,
running.
Licensing, renewals, endorsements, surplus-lines filings and the E&O record your defence counsel will ask for — in one system that works your book while you sleep.
TODAY — HIGHFAIR INSURANCE GROUP
09:41 ET
62 days out
RENEWAL DUE
Ridgeline Logistics · GL + Auto
4 non-resident licences invalidated
LICENCE CASCADE
M. Okafor · TX resident lapsed
nobody has said when this is due
UNDATED FILING
Cedar & Vine LLC · surplus lines
unrecorded this term
ADVISORY OPEN
Harborview Trust · flood
Nothing in your agency fails loudly.
01
A resident licence lapses in one state.
Every non-resident licence built on it is invalid. Nobody is told.
02
A surplus-lines filing has no deadline on it.
The state is counting anyway.
03
A renewal is first opened at 34 days.
The research standard is 90 to 120.
04
Nobody wrote down that flood was declined.
Three years later, they say you never offered it.
05
A quote goes out with last term’s limits.
The endorsement was never recorded against the policy.
06
The answer lives in one person’s inbox.
That person is on leave.
Three jobs. Nobody’s Tuesday.
00
04
08
12
16
20
24
RENEWALS
0 13 * * *
LICENCES
30 13 * * *
SURPLUS LINES
0 14 * * *
The sweeps never write a status. Stage, cascade and obligation state are all derived at read time — so a date passing changes what you see without anybody touching a row.
- RENEWALS, scheduled 0 13 * * *, emits renewal.due. Ridgeline Logistics — renewal due in 60 days — Stage derived, never written.
- LICENCES, scheduled 30 13 * * *, emits license.expiring. M. Okafor — TX resident licence expires in 30 days — 4 non-resident licences depend on it.
- SURPLUS LINES, scheduled 0 14 * * *, emits surplus_lines.filing_due. Cedar & Vine LLC — TX filing due in 15 days — Deadline from YOUR rule book.
Everything an agency actually has to do.
PRIMARY SURFACE
Today
Every item that needs a person, ranked 90/60/30.
RENEWAL DUE
62 days out
LICENCE CASCADE
4 non-resident licences invalidated
Producer licensing
The resident→non-resident cascade, computed not stored.
Surplus lines
The filing and premium-tax calendar that refuses to guess.
Coverage advisory
What was offered, what was declined, per term.
Endorsements
Mid-term changes with a frozen snapshot of what you asked.
Renewals
Derived at read time, swept nightly.
Questionnaires
198 forms, or author your own.
Leads & intake
Public wizard → your inbox, org-scoped.
Policyholder portal
Their side of the same truth.
Documents & chat
Per-package thread, AI-tagged uploads.
Notifications
One row per event, recipients resolved at read time.
Assistant
Read-only, over your own book.
What was offered. What was refused.
“You never offered me flood.”
Defence counsel: much of agent E&O activity is "alleged failure to properly advise with regard to the coverage to have or the coverage to purchase." For P&C agents, failure to provide insurance is the single largest lawsuit trigger.
Everything else in Brella records what you did. This records what you offered — and what they refused.
Captured at quote. Confirmed at bind. Re-asked every renewal term. A rejection signed three years ago is weak evidence for this year’s policy.
Never a gate. Nothing blocks a sale over paperwork. An unanswered coverage becomes a Today item, and the file prints “not documented” rather than implying otherwise.
COVERAGE ADVISORY RECORD · HARBORVIEW TRUST
FLOOD
declined by insured
✓ published 2026-03-06
EARTHQUAKE
declined by insured
⚠ not documented
UM/UIM
—
⚠ outstanding
Built fresh the moment you need it — never a saved file quietly going out of date.
Your customer sees the same truth. Not the same payload.
AGENCY WORKSPACE
INSURED
Harborview Trust
REFERENCE
BRL-4K2P9X
STAGE
Active
TERM
2026-03-04 → 2027-03-04
POLICYHOLDER PORTAL
INSURED
Harborview Trust
REFERENCE
BRL-4K2P9X
STAGE
Active
TERM
2026-03-04 → 2027-03-04
Not hidden by the interface. Removed server-side, before the payload is built. A customer’s browser never holds a byte of it.
Four decisions that make the rest possible.
01
Nothing goes stale.
Renewal windows, licence health, coverage status — every one of them is worked out fresh from what's true right now, not read off a flag somebody forgot to update.
02
One brain, not two to keep in sync.
The exact same logic runs your day-to-day workspace and what a policyholder sees on their own portal. What your team sees and what your customer sees can never quietly drift apart.
03
Your book is yours. Structurally.
Every request is locked to your agency before it reaches your data — not a setting someone could leave off. Not another agency, not Brella's own staff, can browse into your customers.
04
Nothing gets missed. Nothing gets doubled.
A renewal, licence or filing reminder fires exactly once — even if the same check happens to run twice. No duplicate email to a customer, no deadline that quietly slips through.
How the leading agency platforms compare.
Sourced from each vendor’s own public marketing and help-center pages — not a claim about what a competitor lacks, only what’s publicly documented. Sources below the table.
Capability
Brella
Applied Epic
Vertafore AMS360
EZLynx
HawkSoft
Policyholder self-service portal
Included — one login model, same product as the agency workspace
Separate product — Applied CSR24
Separate product — InsurLink
Native — Client Center
Certificates only native; full portal via partner
Renewal tracking, computed live
Computed fresh from the expiration date on every load, not a stored flag
Native — Renewals Manager
Native, but status is a manually-set field
Reported native (third-party sources)
Native tracking; AI workflow via partner (Exdion)
Producer licensing & CE tracking
Included — resident/non-resident cascade, CE baseline
Separate product — Rhoads PCRM
Separate Vertafore product — Sircon
Not publicly documented
Not publicly documented
Surplus lines filing & premium-tax calendar
Included — obligation calendar, agency-supplied deadlines
Not publicly documented as native
Not publicly documented as native
Not publicly documented
Not publicly documented
E&O coverage-declination record
Included — one record per coverage per term, plus a defence-file export
Not documented as a dedicated feature
Not documented as a dedicated feature
Not documented as a dedicated feature
General activity log only — not a declination record
AI drafts, human sends
Every AI feature drafts only — a person still sends it
Draft/assist only — stated policy
Draft/assist only — stated policy
Draft only, human sends (confirmed)
Via third-party partners — posture not documented
See it on your book.
Bring one policy, one producer and one filing. We’ll show you what Brella OS says about them in twenty minutes.
BRELLA OS · EVERY CLAIM ON THIS PAGE TRACES TO A FILE · WE ENCODE NO STATE’S LAW
Turn your risk into a plan.
Takes less than 8 minutes. We’ll follow up within one business day with options structured around how your business actually runs.
[ NO OBLIGATION ] · [ 48HR AVG. RESPONSE ]