Marais Transport
Fleet, 14 vehicles
R8 400
New business
3d
For brokers who place with more than one insurer
Every morning, the eight people you should call. And why.
Meridian reads your whole book across every insurer you place with, then opens on the eight things that will actually move your month. Renewals about to slip. Quotes going cold. Clients you have not spoken to since March.
No card. No insurer sign off. Your book stays yours.
- Every
- insurer you place with, in one book
- 07:40
- the day is ranked before you open it
- Rands
- commission tracked to the cent, not the statement
Tuesday, 07:41
Good morning, Thandeka
Commission this month
R32 400
of R50 000
R1 253 a day for 14 days
Today, in order
5 to work
Bezuidenhout Plant Hire
Today
Fleet renewal in 9 days, no contact since the last review
R12 400 commission at risk
J. Mokoena
Today
Debit order returned twice, policy lapses Friday
R890 monthly commission
Ridgeway Attorneys
This week
Professional indemnity quote sent 4 days ago, no reply
R5 600 if it closes
S. Naidoo
Opportunity
Third vehicle registered, not on your schedule
R2 100 estimated
Adrian Fourie
Relationship
Birthday tomorrow, client of six years
Meridian is independent of every insurer. Record business wherever you place it, add another insurer whenever you like, and nothing about how you work changes.
Why this exists
Nothing you use was built for the whole book.
A broker's day is spread across a diary, four insurer portals and a spreadsheet that only one person understands. Each of them is right about its own corner and wrong about the picture.
The diary is not the book
A reminder in a calendar knows a name and a time. It does not know the policy renews in eleven days, that the premium bounced in June, or that this client is worth R4 100 a month.
Four portals, four half answers
Every insurer has its own login and its own view of its own products. Nowhere shows you the client, which is the only view that matters when they phone you.
Quotes go cold quietly
Nothing tells you a quote sent nine days ago has had no follow up. It just stops being business, and the number never appears on any report.
Commission arrives a month late
By the time the statement lands you are managing last month. Running a target off a document that arrives after the period it describes is not managing anything.
What you get
Six things, and they all know about each other.
A renewal date changes the day's priorities. A logged call moves the pipeline. A schedule you upload sets its own reminder. That is the part no combination of separate tools gives you.
Try it here
Move a deal. Watch the month change.
Every stage carries a probability, so the forecast under the board is what your pipeline is actually worth rather than what it would be worth if everything closed. Drag a card and see.
Contacted
15% likely
R9 550
P. Sithole
Household and motor
R1 150
Referral
1d
Needs identified
35% likely
R5 600
Ridgeway Attorneys
Professional indemnity
R5 600
New business
9d
Quote presented
60% likely
R14 500
Bezuidenhout Plant Hire
Business interruption
R12 400
Cross sell
4d
S. Naidoo
Third vehicle
R2 100
Upsell
2d
Closing
85% likely
R19 800
Kruger Bros Farming
Agricultural renewal
R19 800
Renewal
6d
Pipeline commission
R49 450
Weighted forecast
R28 923
Move a card and the forecast moves with it. Try it.
On a phone, use the arrows on a card. Everything here works without a mouse.
Client history
Twenty minutes before the meeting, one screen.
Every policy taken and lost, every claim, every conversation and every document, on one spine in the order it happened. Not four tables you reconcile in your head on the drive over.
What has this client held, and what did they let go of?
Have they claimed, how much, and how did it go?
When did anyone here last actually speak to them?
What has the relationship been worth over its life?
The lapsed goods in transit cover in this example is the kind of thing that never appears on a report. It is also usually the easiest sale in the book.
Bezuidenhout Plant Hire
Commercial, 47 employees, client since March 2019
FICA verified|2019/447812/07
Lifetime premium
R1 842 000
Your commission
R184 200
Commercial fleet renews
R28 900 monthly. Fourteen vehicles, up from nine at inception. No review booked yet.
R28 900 monthly premium
Call with Riaan Bezuidenhout
Mentioned two new tippers arriving in September. Asked about cover while in transit from Durban.
Claim settled, vehicle collision
Tipper truck, N3 near Villiers. Settled at R412 000 after a R25 000 excess. Twenty six days end to end.
R412 000 settled
Public liability taken up
R7 400 monthly, placed after the site incident in September. Sum insured R10 million.
R7 400 monthly premium
FICA pack verified
CIPC certificate, proof of address, banking confirmation, two director IDs and the signed resolution.
Site meeting, Vereeniging yard
Walked the yard after a near miss with a subcontractor. Liability gap identified and quoted the same week.
Goods in transit lapsed
Cancelled by the client during the fuel price period. Never reinstated, and the fleet has grown since.
R3 100 premium lost
First policy placed, commercial fleet
Nine vehicles at R14 200 monthly. The start of the relationship.
R14 200 monthly premium
Bezuidenhout Plant Hire
Commercial, 47 employees, client since 2019
Monthly premium
R41 200
Your commission
R4 120
Placed
Commercial fleet
Insurer A
R28 900
9 daysPublic liability
Insurer B
R7 400
7 monthsBuildings combined
Insurer A
R4 900
5 months
Not placed
Business interruption
47 staff, no cover placed
Cyber
Holds client payment data
Key person
Owner managed, single signatory
One book
The client view, not the insurer's view.
Every policy a client holds through you sits on one page, whoever wrote it. What is placed, what it costs, when it renews, and what is missing.
The brokerage owns the client
A broker is assigned to a client, never the other way round. When someone leaves, the relationship, the history and the documents stay where they belong.
No insurer sees your book
Meridian is not an insurer's system with a broker seat added. No insurer has visibility into what you place, where, or with whom.
Export whenever you like
Your data leaves in a usable format on request, without a support ticket and without a retention conversation.
Getting started
Useful by Friday, not by quarter end.
There is no implementation project here, and nobody needs to be trained on it. The first week looks like this.
01
Day one
Your book arrives
Import from a spreadsheet or upload the schedules. Meridian reads them and builds the records, then shows you what it could not work out so you can fix it once.
02
Day two
The gaps become visible
Every client with one product. Every renewal in the next 60 days. Every person you have not contacted in 90. Usually the first list is longer than anyone expects.
03
Day three
The morning changes
You stop opening four portals and a spreadsheet. You open one screen that already knows what today is for.
04
By Friday
The month has a shape
Commission earned, commission in flight, and the gap. Not a guess, and not last month's statement.
Insights
What we are learning, written down.
Notes from building software for brokerages — what the regulation actually asks for, and what it costs to ignore.
Before you ask
The questions brokers actually ask.
No. Meridian is built around the client rather than around any insurer's product set, so a policy from any insurer is recorded the same way. You add the insurers you place with, and nothing about how you work changes when you add another.
The operating system for insurance brokers.
Find your line.
Bring your book across, and by Friday you will know what your month is actually worth.
No card, no contract, and no insurer has to approve it.