Back-office administration for UMAs
BrokerDesk provides outsourced back-office administration to short-term insurance Underwriting Managers across South Africa. Policy admin, premium collection, claims and bordereaux, done to insurer standard every month, so your team can underwrite.
Premium bordereau
| Policy | Insured | Txn | Premium |
|---|---|---|---|
| MTR-104582 | Karoo Logistics CC | NB | R 4 812.50 |
| PRP-088217 | Mokoena Family Trust | REN | R 1 296.00 |
| LIA-032904 | Steelworx (Pty) Ltd | END | R 385.20 |
| MTR-104590 | T. Naidoo | NB | R 962.40 |
| ENG-011733 | Delta Civils | REN | R 7 140.00 |
| PRP-088231 | Bay View Body Corporate | CAN | −R 1 180.00 |
Submitted to insurer · working day 3
Built for the binder environment
What we handle
Each service runs as a documented process with named owners, turnaround times and a monthly report back to you. Take the full desk or the parts that hurt most.
New business, renewals, endorsements, cancellations and reinstatements captured and issued on your system. Schedules, wordings and tax invoices go out the same working day.
Debit order runs, cash receipting and allocation, arrears follow-up and lapse management. Unallocated cash is cleared before month-end, not carried into it.
Premium, claims and risk bordereaux prepared, reconciled to bank and submitted in your insurer’s format by the binder deadline, every month.
Registration, acknowledgement, assessor or loss adjuster appointment, reserve updates, payment requisitions and recoveries, tracked from first notification to close.
Onboarding and licence checks for the brokers who place business with you, monthly commission statements, and a single desk for broker queries.
FAIS, TCF, POPIA and binder-agreement obligations built into daily process, with files that are audit-ready when your insurer or the FSCA asks.
How it runs
UMA administration is a monthly cycle with hard dates. This is what a BrokerDesk month looks like once your book is with us.
Working days1 – 5
Prior-month premium and claims bordereaux reconciled to bank and submitted to the insurer. Commission statements issued to brokers. Your month-end desk report lands in your inbox.
Days6 – 20
New business, renewals and endorsements processed as they arrive. Claims moved forward, reserves updated. Broker queries answered within one working day.
Days15 – 25
Renewal invitations for the following month issued 30 days ahead of inception. Retention follow-ups logged, rate or cover changes referred to your underwriters.
Days25 – 31
Debit order run submitted and results actioned. Cash allocated, arrears and lapses managed. Month-end reconciliation prepared and ready for your sign-off.
Why BrokerDesk
Most UMAs carry admin as fixed overhead and single-person risk. We turn it into a managed service with defined turnaround times and a monthly cost that tracks your book.
Talk to us about your bookYour insurer’s deadlines, bordereau formats and service levels become our operating rules. We speak to their binder team in their language.
We work on the policy administration platform you already run. No migration, no re-keying, and your data stays where it is.
Pricing is agreed against policy count and the services you take. Add a product line or a broker panel without a hiring round.
Every process on your desk has a primary and a backup. Leave, resignations and sick days stop being a risk to your bordereau deadline.
A monthly report shows what was processed, what is outstanding, where cash sits and which broker queries are open. Nothing lives only in someone’s head.
Records are kept the way an insurer audit or FSCA review expects to find them, so a request for files is a retrieval, not a project.
Who we work with
Established UMAs that want to lift admin off the underwriting team, or that have outgrown a back office built for a smaller book.
Teams launching a niche product under a new binder agreement who need a compliant, working desk before the first policy is issued.
Brokerages holding binder or outsourced functions who need the insurer-facing administration handled to the standard the agreement requires.
Insurers who want a consistent administration standard across the UMAs on their panel, or a desk for a product without its own back office.
Classes of business we administer
About BrokerDesk
BrokerDesk exists because good underwriting businesses keep losing time and money to administration that nobody set out to be good at. The underwriters end up processing endorsements, the bordereau goes out late, and the insurer notices.
We started BrokerDesk to give Underwriting Managers what larger insurers have: a dedicated administration function with a process for everything and a person accountable for each one. We are based in South Africa and work with UMAs across the country.
A bordereau submitted on working day 3 is worth more than a perfect one on day 12. We build the desk around the dates.
If a process only exists in one person’s head, it is a risk. Every task on your desk has a written procedure.
Brokers and insurers deal with your business. We work behind your name, on your templates, in your tone.
Get in touch
A first conversation takes 30 minutes. We’ll ask about your binder, your platform and where admin is hurting, and come back with a scoped proposal within a week.