PKF Francis Clark

Crowe UK

Valeo Financial Advisors

Natsure

Austbrokers-Countrywide

Document Chaos is a Regulatory Risk

Insurance runs on documents. When they're fragmented, outdated, or disconnected, the consequences follow fast: compliance gaps, claims disputes, delayed servicing, and operational risk.

From underwriting submissions and policy documents to claims records and delegated authority workflows, information scattered across systems creates operational friction across the business.

Whether you’re a broker, carrier, MGA, or reinsurer, the complexity compounds faster than most firms realise.

Fragmented Client and Policy Information.

Client files, underwriting submissions, policy records, claims documentation, and compliance evidence scattered across policy systems, SharePoint, email, and shared drives create delays, duplication, and operational risk. One missing or outdated document can impact claims, servicing, and regulatory outcomes.

Manual Claims and Underwriting Workflows.

Submission-to-bind, endorsements, delegated authority approvals, renewals, and claims processes routed through email and spreadsheets create approval gaps, version confusion, and SLA risk. These workflows become harder to govern as the business grows.

Unpredictable Audit Readiness.

Scattered audit trails, compliance evidence, KYC/AML records, and policy documentation turn every regulatory review into a manual scramble - pulling teams away from high-value work and increasing exposure across FCA, PRA, and Solvency II requirements.

Knowledge Stuck in People's Heads.

Which endorsement is current? Who approved this policy change? Which version was sent to the broker? Critical operational context often lives in inboxes and individual knowledge - not in trusted systems. When people leave, that knowledge leaves with them.

Stop Searching. Start Responding.

When client, policy, claims, and compliance documents are organised by what they are - not where they were saved - underwriting, claims, compliance, and broker teams can instantly access the information they need. Less searching. Faster servicing. Better decisions.

Build Your Audit Trail Automatically.

Every approval, endorsement, claims decision, document update, and workflow action is tracked automatically as work happens. When regulators or auditors ask for evidence, it’s already connected, traceable, and ready.

Automate Insurance Workflows.

Underwriting submissions, quote-to-bind processes, endorsements, delegated authority approvals, renewals, and claims workflows move through the right people in the right order automatically. Less manual coordination. More operational consistency.

Get Teams Productive Faster.

The latest policy wordings, underwriting guidelines, claims procedures, compliance materials, and training records are always accessible in one trusted system. No version confusion. No chasing documents. Just the right information when it’s needed.

AI-Powered Search

Aino, M-Files’ built-in AI, instantly surfaces the right client, policy, claims, and compliance information — with full business context.

Microsoft 365 Native

Works directly inside Teams, SharePoint, Outlook, and Microsoft 365 Copilot — the tools your underwriting, claims, and compliance teams already use.

Context-First Architecture

Documents organized by client, policy, claim, broker, and risk — not folders. Consistent governance and traceability across every repository.

Automated Insurance Workflows

Underwriting submissions, quote-to-bind workflows, claims processing, endorsements, delegated authority approvals, and compliance processes automated and fully traceable across your operation.

	M-Files	Typical DMS
Organises by client, policy, claim, and risk — not folders
Native Microsoft 365 experience across Teams, Outlook, SharePoint, and Copilot
Connects to policy systems, CRM, SharePoint, and existing repositories with minimal migration
Automated, metadata-driven permissions that adapt with the document lifecycle
Automated underwriting, claims, endorsement, and approval workflows
Unified view across client files, policy records, claims documentation, and compliance evidence

ABM - Website Banner - Insurance Campaign - Solution Overview - 1200x628

Solution Overview

See how M-Files helps insurers connect client, policy, claims, and compliance information to reduce operational friction, automate workflows, and strengthen audit readiness.

PDF · 1440 KB · 2 pages

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Executive Brief

Learn why information management has become a competitive advantage in insurance - and how leading firms are improving compliance, accelerating claims, and preparing for AI.

PDF · 52200 KB · 4 pages

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Audit Assessment

Evaluate your readiness across claims, underwriting, compliance, delegated authority, and audit processes with this 10-question self-assessment.

PDF · 2190 KB · 2 pages