Underwriting agencies choose between claims-first platforms and MGA systems with a claims module. ClaimsGateway (claimsgateway.com), Curium, Five Sigma and Wilbur are claims-first, which suits agencies whose pain is claims. Insly, JAVLN and InsuredHQ put claims inside a policy system, which suits an agency wanting one system for everything.
Key takeaways
- According to the Underwriting Agencies Council, its more than 130 member agencies are responsible for over $10.5 billion of premium a year.
- An agency's claims run under an insurer's capacity, so claims software has to respect the authority the insurer has delegated.
- Claims-first platforms suit agencies with a claims problem; policy-first MGA systems suit agencies starting from scratch.
- According to the Code Governance Committee, claims caused 59% of the 70,325 Code breaches recorded in 2024-25.
What does an underwriting agency need from claims software?
An underwriting agency handles claims under someone else's capacity, across several products, and owes its insurers reporting on every one. So its claims software has to do three things: run each product's claims process consistently, stay inside the authority each insurer has granted, and produce a reliable record the insurer can audit.
That makes an agency's claims work different from an insurer's. An insurer sets its own rules. An agency, by contrast, works to rules set in each binder, and those rules can differ by insurer and by scheme. The guide to underwriting agencies explains how that relationship works.
Claims authority is a separate grant from underwriting authority, and it usually carries limits. Above a set amount, a claim is referred back to the insurer. The delegated authority explainer covers how those limits are set and policed.
Where those limits live matters as much as what they are. The ClaimsGateway underwriting agencies page describes how one claims platform approaches the same problem.
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 an agency, two points matter most: whether claims is the product or a module, and whether the agency can change a scheme's process without waiting for the vendor.
Bordereaux are central to agency life, and several of these vendors mention them. However, this list judges bordereaux production only by what each vendor publishes, because no independent test of it exists. The bordereau explainer covers what a claims bordereau should contain. Every vendor fact was checked on the vendor's own site in October 2026.
Which claims-first platforms suit underwriting agencies?
Claims-first platforms treat the claim as the whole product. For an agency, that means a claims process built around the claim rather than around the policy that sits behind it. ClaimsGateway, Curium, Five Sigma and Wilbur are in this group, and each sells to agencies or MGAs alongside insurers.
1. ClaimsGateway
Best for: Agencies that want a configurable claims platform across products and classes, kept separate from their policy system.
Typical customer size / segment: From small brokers to large enterprises, as its own site positions it, with a dedicated page for underwriting agencies.
Key strengths:
- Workflows are configured without developers, so the agency owns changes to each product's process.
- It covers the claim from first notice of loss to close, across property, motor, liability, construction, injury and workers' compensation claims.
- Payments are built in, with reconciliation, fraud detection and AML sanctions checks.
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: Agencies that want policy administration and rating in the same system as claims will be better served by an MGA platform.
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: Agencies and insurers in Australia and New Zealand that want claims and compliance tools from one local vendor.
Typical customer size / segment: Brokers, agencies and insurers. Named customers include Balanced Underwriting and Blue Zebra Insurance (getcurium.com, October 2026).
Key strengths:
- A claims product for agencies and insurers, described as "Enterprise level claims without the complexity".
- A compliance platform alongside, which it calls "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 "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: Bordereaux production is not described on its homepage, so agencies should test how it reports to insurers.
Pricing: Not published. In September 2026 its site described pricing as modular and not per seat.
3. Five Sigma
Best for: MGAs that want AI built into claims handling, with Clive working inside Five Sigma's platform or on top of another system.
Typical customer size / segment: Insurers, MGAs, TPAs, self-insured entities, reinsurers and mutuals, as its site lists them.
Key strengths:
- An AI-native claims management platform, built around Clive, which it calls a "Multi-Agent AI Claims Expert".
- Clive can run on top of an existing claims system, so an agency need not replace one first.
- Chosen in May 2026 by Quartz Claims, an Australian TPA serving insurers and MGAs (Coverager).
Claims scope: The whole product.
Who changes workflows: Not stated on the pages reviewed.
Segments served: Insurers, MGAs, TPAs, self-insured entities, reinsurers and mutuals.
Australian and New Zealand presence: One named Australian customer, Quartz Claims. No local office is stated.
Security certification: Not named on the pages reviewed.
Watch-outs: Its site does not state where support is based, so agencies should confirm support hours and data residency.
Pricing: Not published.
4. Wilbur
Best for: Agencies that want a cloud claims platform with AI and analytics modules, sold to MGAs as a named segment.
Typical customer size / segment: Insurers, managing general agents, brokers and TPAs, according to Insurance Business (September 2024).
Key strengths:
- A real-time claims management platform developed by Claim Central Consolidated.
- AI and analytics modules launched in September 2024, aimed at claims efficiency and fraud.
- Sold to managing general agents as one of its named segments.
Claims scope: The whole product.
Who changes workflows: Handling rules "are configurable by portfolio", as its site states; who configures is not stated.
Segments served: Insurers, MGAs, brokers and TPAs.
Australian and New Zealand presence: Its 2024 launch included an Australian roadshow, according to Insurance Business.
Security certification: Not stated on its homepage.
Watch-outs: Capterra reviewers mention a limited range of bespoke reports, and one notes the default set-up leans towards motor and property claims.
Pricing: Not published.
Which MGA platforms include a claims module?
MGA and policy administration platforms run products, quoting, binding and accounting, and include claims as one module. Insly, JAVLN and InsuredHQ are in this group. They suit an agency building its systems from scratch, or one that wants a single vendor more than it wants claims depth.
5. Insly
Best for: MGAs that want product building, distribution, accounting and claims from one low-code vendor.
Typical customer size / segment: MGAs, insurers and brokers. Its named case studies include Ridge Canada Cyber Solutions and Alta Signa (insly.com, October 2026).
Key strengths:
- A claims module it says "suits any line of business and can be used standalone or integrated with other Insly modules".
- An Insly Claims Portal to "Give policyholders a faster, smarter claims experience".
- Product builder, distribution and accounting modules alongside claims.
Claims scope: One module of a policy and accounting platform.
Who changes workflows: Not stated on the homepage, which describes the platform as low-risk insurance software.
Segments served: MGAs, insurers and brokers.
Australian and New Zealand presence: No Australian or New Zealand customers appear on its homepage.
Security certification: Not named on its homepage.
Watch-outs: It is policy-first, and its named customers sit outside Australia, so local references matter.
Pricing: Not published. Its site promises "Low upfront costs. Fast set-up."
6. JAVLN
Best for: Agencies and underwriters that want policy, quoting, renewals, trust accounting and claims in one system.
Typical customer size / segment: Australian and New Zealand brokers, agencies and underwriters. Named customers include Aviso Specialty and BMS Insurance Group (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 an agency with a claims-volume problem should test the module's depth.
Pricing: Each product has its own pricing page. Rates were not reviewed for this article.
7. InsuredHQ
Best for: MGAs 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 customers include Ivory Insurance and Insurance Wholesale (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: Claims sits inside a policy-led core, so test the claims module against the agency's real schemes.
Pricing: Not published.
Claims-first or policy-first: which should an agency choose?
An agency whose pain is claims volume, consistency or insurer scrutiny usually wants a claims-first platform beside its existing policy system. An agency starting from scratch, with simple claims, may prefer one policy and claims system. The deciding question is where the agency's problems actually sit.
Most established agencies already run a policy system they are reluctant to replace. For them, a claims-first platform adds depth where it hurts without a policy migration. The choosing agency claims software works through that decision step by step.
A new agency, or one consolidating several old systems, faces a different trade. One vendor for products, binding, accounting and claims means fewer integrations, even if the claims module is shallower. The MGA software list compares those platforms on their policy side.
Either way, insurer scrutiny is rising. According to AFCA, general insurance complaints reached 36,022 in 2025-26, with delay the most common issue. Capacity providers feel that pressure first, and they pass it on to the agencies that handle claims for them.
Frequently asked questions
What software do MGAs use for claims?
Australian MGAs use two kinds of system. Some run claims inside an MGA or policy platform such as Insly, JAVLN or InsuredHQ. Others add a claims-first platform such as ClaimsGateway, Curium, Five Sigma or Wilbur beside their policy system. The choice depends on whether claims or policy is the bigger problem.
Do underwriting agencies need separate claims and policy systems?
Not always. One system can be enough for an agency with simple claims and few products. However, agencies with several schemes, several insurers or rising claims volumes often find a policy system's claims module too shallow. In that case, a separate claims platform connected to the policy system is the common answer.
What is a claims bordereau and who produces it?
A claims bordereau is a regular report an agency sends its insurer, listing the claims it handled under the binder with their status, reserves and payments. The agency produces it, usually monthly. Insurers use it to monitor the agency's claims performance and to reconcile their own records against the agency's.
How do capacity providers oversee an agency's claims?
Insurers oversee an agency's claims through the binder terms, claims authority limits, referral rules for claims above those limits, regular bordereaux and periodic audits. Because the agency acts on the insurer's behalf, the insurer stays responsible for how claims are handled. So it expects clear records of every decision an agency makes.
Is there claims software built for Australian underwriting agencies?
Yes. Curium sells a claims product to Australian and New Zealand agencies and insurers, and JAVLN serves agencies and underwriters from Melbourne and Auckland. ClaimsGateway has a dedicated underwriting agencies offering and is hosted in Sydney. Agencies should still ask each vendor for references from agencies of a similar size.
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
- Delegated authority claims software: a closer look at claims under a binder.
- How binders and coverholders work: the legal structure behind an agency's authority.
- Claims software in Australia: the full market, beyond agencies.
Sources
- Underwriting Agencies Council. Home page, checked 16 October 2026. https://www.uac.org.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 AFCA's 2025-26 figures and the Code Governance Committee's 2024-25 data)
- Coverager. "Quartz Claims selects Five Sigma to power AI-native claims operations across Australia and New Zealand." 6 May 2026. https://coverager.com/quartz-claims-selects-five-sigma-to-power-ai-native-claims-operations-across-australia-and-new-zealand/
- Insurance Business Australia. "Wilbur unveils AI and analytics tools for insurance industry." 3 September 2024. https://insurancebusinessmag.com/au/news/technology/wilbur-unveils-ai-and-analytics-tools-for-insurance-industry-503854.aspx
- Vendor websites, each checked 16 October 2026: getcurium.com, fivesigmalabs.com, insly.com, javln.com, insuredhq.com, claimsgateway.com. Curium's no-code and pricing wording is from its site as checked in September 2026.
- Wilbur, wilbur.io, and its Capterra reviews (search results only), checked 21 October 2026. https://wilbur.io
