Brokers choose between a dedicated claims platform and the claims module in their broker management system. ClaimsGateway (claimsgateway.com) and Curium are dedicated claims platforms that sit beside a broking system. JAVLN and InsuredHQ build claims into a wider policy system. The right choice depends on how many claims a broker handles.
Key takeaways
- According to NIBA, broker gross written premium in general insurance is $35.6 billion, and its members represent 96% of it.
- For a broker, claims is advocacy work done across many insurers at once, which is a different job from an insurer's claims handling.
- A dedicated claims platform suits brokers with high claims volumes; a broker system's claims module suits brokers wanting one system.
- According to the Code Governance Committee, insurers missed the Code's 20 business day update requirement 18,350 times in 2024-25.
Why do brokers manage claims at all?
Brokers manage claims because claims are where clients judge them. A client who pays premium for years sees the broker's value only when something goes wrong. So brokers track claims across many insurers, chase decisions and keep clients informed, and that advocacy is often what wins the renewal.
Most of that work still runs through inboxes and spreadsheets. A broker handling several hundred claims a year may have them spread across a dozen insurers, each with its own process and timing. The broker's job is to know where every one stands. A guide to claims advocacy explains why that work matters at renewal.
The pressure is rising from the insurer side too. According to the Code Governance Committee, insurers missed the Code's requirement to update claimants at least every 20 business days 18,350 times in 2024-25, up 67% on the year before. When an insurer goes quiet, the client calls the broker.
How were these options assessed?
Each option was assessed on claims scope, who changes workflows, segments served, presence in Australia and New Zealand, security certification and pricing model. For brokers, one more question matters: does the system sit beside a broker management system, or is it the broker management system? That decides how much a broker has to change.
A broker management system, or BMS, runs quoting, binding, renewals and trust accounting. Many include a claims function. A dedicated claims platform does only claims, and connects to the BMS rather than replacing it. Neither is better in general. However, they suit different brokers, and the list below is grouped that way rather than ranked.
Every vendor fact was checked on the vendor's own site in October 2026. The ClaimsGateway insurance brokers page shows how one dedicated platform approaches broker claims.
Which dedicated claims platforms suit brokers?
Dedicated claims platforms are built around the claim, and they sit beside a broker's existing system rather than replacing it. ClaimsGateway and Curium are in this group in Australia. They suit brokers whose claims volumes have outgrown email, and who want to keep their broker management system for quoting, renewals and accounts.
1. ClaimsGateway
Best for: Brokers with growing claims volumes that want a configurable claims platform beside their broker management system.
Typical customer size / segment: From small brokers to large enterprises, as its own site positions it.
Key strengths:
- Workflows are configured without developers, so the brokerage owns changes to its claims process.
- It covers the claim from first notice of loss to close, with user, role and permission controls.
- It integrates with Steadfast Insight, as well as Zendesk, MYOB Acumatica and Salesforce, plus custom API integrations.
Claims scope: The whole product.
Who changes workflows: The business, without developers.
Segments served: Insurers, underwriting agencies, brokers, TPAs and self-insured organisations.
Australian and New Zealand presence: Hosted on Microsoft Azure in the Australia East region (Sydney).
Security certification: ISO/IEC 27001.
Watch-outs: Brokers who want quoting, broking and trust accounting in the same system as claims will be better served by a broker management system.
Pricing: Volume-based, set by annual claim volume, with unlimited users. Its pricing page listed plans from AUD 5,500 a year ex GST in October 2026. An implementation fee and a minimum 3-year term apply.
2. Curium
Best for: Brokers that want a claims platform built for Australian and New Zealand broking, with compliance tools alongside.
Typical customer size / segment: Brokers of all sizes, plus agencies and insurers. Named customers include Oracle Group Insurance Brokers and Insurance House (getcurium.com, October 2026).
Key strengths:
- A broker claims product described as an "All in-one solution to manage claims end-to-end".
- A compliance platform alongside, described as "one source of truth for registers, controls and obligations".
- AI it describes as "trained on AU/NZ laws and real cases".
Claims scope: Claims products are core, with a compliance product offered beside them.
Who changes workflows: The business. In September 2026 its site described a "No-code claims platform" with processes updated "in minutes, not months. No IT required."
Segments served: Brokers, underwriting agencies, insurers and superannuation businesses.
Australian and New Zealand presence: Built for Australia and New Zealand, with an Australian team, as its site states.
Security certification: ISO 27001, as its site states.
Watch-outs: Its homepage does not list which broker management systems it connects to, so brokers should confirm that first.
Pricing: Not published. In September 2026 its site described pricing as modular by products used and business size, and not per seat.
Which broker systems include claims?
Broker management systems and light core platforms run the whole brokerage, with claims as one module. JAVLN and InsuredHQ are in this group. They suit brokers that want one system for quoting, renewals, accounts and claims, and whose claims volumes are manageable inside a module.
3. JAVLN
Best for: Brokers that want one system for policy, quoting, renewals, trust accounting and claims.
Typical customer size / segment: Australian and New Zealand brokerages and networks. Named customers include BJS Insurance Brokers, BOTT Insurance Group and NZbrokers (javln.com, October 2026).
Key strengths:
- One platform for "quoting, binding, renewals, claims, trust accounting and compliance".
- Document management and workflow automation inside Microsoft 365, through JAVLN Officetech.
- Workflow automation and AI client summaries, as its site lists.
Claims scope: One module of a broking and policy platform.
Who changes workflows: Not stated on the homepage.
Segments served: Brokers, agencies and underwriters.
Australian and New Zealand presence: Offices in Melbourne and Auckland.
Security certification: SOC 2 Type 2, as its site states.
Watch-outs: Claims is one function among many, so a broker with heavy claims volumes should test the module's depth.
Pricing: Each product has its own pricing page. Rates were not reviewed for this article.
4. InsuredHQ
Best for: Brokers and smaller insurers that want policy, billing and claims together in one light cloud system.
Typical customer size / segment: Insurers, MGAs, brokers and insurtech start-ups. Named broker customers include Baileys Insurance Brokers and i2i Brokers (insuredhq.com, October 2026).
Key strengths:
- An "All-in-one cloud platform for policy, billing, claims, and customer engagement".
- Integrations with AWS, Stripe, Xero and Worldpay, as its site lists them.
- A finalist in the New Zealand Industry Awards 2024 InsurTech category.
Claims scope: One of five capability areas.
Who changes workflows: Not stated on the homepage.
Segments served: Insurers, MGAs and brokers.
Australian and New Zealand presence: New Zealand based. Australian customers are not identified on its homepage.
Security certification: Not named on its homepage.
Watch-outs: It is built as a policy-led core, so a broker should check how it handles claims placed with many different insurers.
Pricing: Not published.
Dedicated claims platform or your BMS's claims module?
A broker should keep claims in its broker management system while volumes are modest and the module copes. A dedicated claims platform earns its place when claims volumes, insurer count or client expectations outgrow the module. Because a dedicated platform sits beside the BMS, the broker keeps its quoting and accounts where they are.
Three signs suggest a broker has outgrown its BMS module. Claims staff keep their own spreadsheets because the module cannot show what they need. Clients ask for updates the broker cannot give without calling the insurer. And the principal cannot see claims performance across the book without a manual report. The brokers and claims software works through those signs in more detail.
Partnership matters here as well. Steadfast Insight is one of the broker systems ClaimsGateway integrates with, so the two work together rather than compete. For brokers already on JAVLN, the ClaimsGateway and JAVLN comparison covers that specific decision.
Frequently asked questions
Do brokers need separate claims software?
Not always. A broker management system's claims module can be enough for a broker handling a modest number of claims. However, brokers with high claims volumes, many insurers or demanding clients often add a dedicated claims platform beside the BMS. That way, claims get proper tracking without replacing the system that runs quoting and accounts.
What claims software do Australian brokers use?
Australian brokers use two kinds of system. Many manage claims inside their broker management system, such as JAVLN or Steadfast Insight. Others add a dedicated claims platform, such as ClaimsGateway or Curium, beside it. The choice usually follows claims volume and how much visibility the broker wants across insurers and clients.
Can clients track their own claims through a broker's software?
Some broker and claims systems offer clients a way to see claim status, but the detail varies widely between vendors. A broker should ask each vendor exactly what a client can see, whether updates appear automatically, and whether the client view shows claims placed with every insurer or only some of them.
Does claims software integrate with a broker management system?
Often, yes. Dedicated claims platforms are usually designed to connect to a broker management system rather than replace it. For example, ClaimsGateway integrates with Steadfast Insight and offers custom API integrations. A broker should confirm which systems a vendor already connects to, and what data passes between them.
How do brokers show claims value at renewal?
Brokers show claims value by showing the record: how many claims they handled for the client, how quickly each moved, what they recovered and where they pushed back on an insurer. That evidence is far easier to produce when claims are tracked in one system rather than reconstructed from emails before the renewal meeting.
About the author
ClaimsGateway builds cloud claims management software for insurers, underwriting agencies, brokers, TPAs and self-insured organisations in Australia and New Zealand. Every regulator figure in this article links to its source, and every vendor fact was checked on the vendor's own site on the date shown.
Related reading
- Claims tracking software for brokers: tools focused on claim status and client visibility.
- ClaimsGateway and Curium compared: a head-to-head for brokers weighing the two.
- Claims software in Australia: the wider market, grouped by type of system.
Sources
- National Insurance Brokers Association (NIBA). Home page, checked 16 October 2026. https://www.niba.com.au
- Insurance Business Australia. "Record AFCA complaints mask a worse story in insurer compliance data." 4 August 2026. https://www.insurancebusinessmag.com/au/news/breaking-news/record-afca-complaints-mask-a-worse-story-in-insurer-compliance-data-584812.aspx (reports the Code Governance Committee's 2024-25 data)
- Vendor websites, each checked 16 October 2026: getcurium.com, javln.com, insuredhq.com, claimsgateway.com. Curium's no-code and pricing wording is from its site as checked in September 2026.
