Insurance
- Client
- Moro Management
- Completed
- August 2024
- Platform
- Podio, Automation, Integrations
- Services
- Workflow Architecture, Custom Development, Automation, Systems Integration
- 28,000+
- premium installments
- 7,800+
- clients
- 6,000+
- insured vehicles
- ~50
- insurers
Our whole book lives in one system — every client, policy and installment. Renewals prepare themselves, no RCA or inspection deadline slips past us, and I always know exactly what's active and what's due.
Capabilities
- clients & assets
- quote → policy
- simple & complex policies
- premium installments
- RCA/ITP/Vinietă expiry
- automated renewals
- claims inbox
- settlement documents
The challenge
An insurance broker’s portfolio is a moving target: thousands of policies, each with its own insurer, renewal date and payment schedule — some paid in one go, others in installments — plus the vehicles and properties behind them and a constant drip of expirations to chase. Run that on spreadsheets and policies lapse, installments slip, and renewals get missed.
What we built
A full brokerage operations platform on Podio. Every client, vehicle, property, quote, policy and installment lives in one connected system, from the first quote to renewal — with automation handling the parts a broker can’t afford to forget.
How it fits together
- The client at the center. Each client — individual or company — is the launchpad: from their record, staff spin up a linked vehicle, property, quote or policy, pre-filled, and duplicate tax-ID detection stops double records before they happen.
- Quote to policy. A single quote request is broadcast to around 35 insurers, each tracked in its own column; when one is accepted, it converts straight into the right policy with all the client and asset data carried across.
- A two-tier policy book. Single-payment simple policies (RCA, PAD, Green Card…) and installment-bearing complex products (Casco, property, liability, life and health) each get their own tailored app — so nothing is forced into the wrong shape and there are no parallel records.
- Installments, scheduled and chased. A complex policy automatically generates its installment records from the payment frequency — each with due date, grace period and commission — and the system tracks every one as due-soon, settled or overdue.
Automation doing the heavy lifting
35 no-code workflows and 26 custom integrations keep the book current:
- Nothing expires unnoticed. Staged reminders fire ahead of every RCA, ITP and Rovinietă/vignette — and even client ID, licence and passport expiry — each one a renewal and cross-sell trigger; policy registers then auto-flip to expired the day after they lapse, so the active book is always accurate.
- Renewals build themselves. Thirty days out, the system either drafts a fully populated renewal offer (with a deadline before expiry) or assigns the responsible agent a “calculate and send” task, by line of business.
- Installments on autopilot. Each premium installment advances through due-soon → settlement-sent → overdue, with agent tasks at 10 and 2 days before and an automatic overdue flag the day after.
- One-click documents. Casco and property offer-requests and per-installment settlement (decont) PDFs are generated from live data and filed straight back onto the record.
- A shared inbox for everything else. A ticket-style mailbox routes client, insurer and claims correspondence by category, each thread with an owner and a status.
- Clean by default. Birthdates are derived from the Romanian CNP, VINs validated, duplicate clients and vehicles caught, and spam auto-closed.
By the numbers
- 38,000+ policies managed — simple and complex combined.
- 28,000+ premium installments scheduled and tracked.
- 7,800+ clients and 6,000+ insured vehicles.
- ~50 insurers in the quote-broadcast directory.
- 35 automated workflows and 26 custom integrations.
The result
Moro Management runs its entire book — clients, assets, quotes, policies and installments — from one system. Renewals draft themselves, expirations never slip by unnoticed, and the active portfolio is always accurate — simple and complex products alike.