For growing Australian brokerages

Quote more clients with the team you already have.

Spend less time setting up enquiries, chasing information and preparing submissions. Get to quotes faster. Nothing sends without your approval.

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Start the day knowing exactly what needs you.

Welcome, Ryan

11 items ready for review

Morefold prepared these overnight. Nothing has been sent.

3 approvals 6 renewals 2 new enquiries

Needs you today

Email enquiry from Marrickville Joinery Cover for our new workshop · Business Pack received 2h ago
Email enquiry from Kingsford Design Studio PI cover for our studio · Professional Indemnity received 5h ago
Send renewal recommendation — Harbourview Cafe Sends an email once approved Due in 5h
BP-2041 · Bayside Panel Beaters 3 items need you Due in 12d
Send renewal reminder — Coastal Auto Electrics Sends an email once approved
PL-1187 · Northshore Physiotherapy 1 item needs you Due in 21d
CM-3320 · Petersham Plumbing Renewal due in 24d Due in 24d
PI-0456 · Leichhardt Architects 2 items need you Due in 27d
BP-2210 · Glebe Cycles Renewal due in 30d Due in 30d
ML-0781 · Rozelle Dental Renewal due in 33d Due in 33d
The product's Today screen: eleven items are ready for review, prepared overnight with nothing sent, summarised as three approvals, six renewals and two new enquiries, above the Needs you today queue listing all of them by date, the first ten shown.

Where work slows

Where the day goes.

  1. Problem 1 of 4. A good lead comes in and sits there, because nobody has an hour to set it up.

  2. Problem 2 of 4. The proposal form comes back half done, so you ask again, or you type it in yourself.

  3. Problem 3 of 4. Someone knows which insurer to approach. The problem is finding them.

  4. Problem 4 of 4. Three quotes, three formats, and you rebuild them all before you can advise.

New business

This is a Tuesday at your brokerage.

Follow one enquiry from lead to quote: the email that starts it to the advice you send. Every answer keeps a link back to where it came from.

Capture the lead

Stage 1 of 5. A new enquiry comes in. Morefold fills in the key details for you.

Suggested from your mailbox

2 waiting

Outlook received 2h ago

Cover for our new workshop

Hi, we have just moved into a bigger workshop on Sydenham Road and our current policy runs out at the end of September. Could you put a quote together for us?

New lead 5 details filled from the email

Client
Marrickville Joinery
Contact
[email protected]
Line
Business Pack suggested
Location
Sydenham Road, Marrickville
Renewal due
30 Sep
Dismiss Add lead

Nothing is added to the file until you press Add lead

The product's mailbox intake: an enquiry classified from connected mail is proposed as a new lead, with the client, contact, line of business, location and renewal date already filled in from the email, waiting for the broker to add it.

Fill the gaps

Stage 2 of 5. Morefold uses what you already know and only asks the client for what’s missing.

Proposal form

18 of 24 already filled
  1. Business activity Joinery and shopfitting 2 sources Google DriveOutlook
  2. Years trading 9 years 1 source Google Drive
  3. Employees 11 full time, 2 casual 3 sources SharePointOutlookGmail
  4. Annual turnover Still needed from client
  5. Subcontractor spend
All changes saved Send to client
The product's proposal form: eighteen of twenty-four questions are already filled, each carrying the number of sources behind it, while the remaining gaps sit empty for the client to complete.

Go to market

Stage 3 of 5. Your own record of who writes what comes into the file. Each submission is prepared the way that insurer takes it.

Select markets

3 of 5 chosen
  • Vero Portal Appetite confirmed 6 days ago Writes
  • CGU Portal Placed 4 times this year Writes
  • QBE Email Referred: work at heights Prefers
  • Zurich Declines work above three storeys Declines
  • Allianz No submissions on file No appetite recorded
Filling 2 insurer portals, emailing 1 referral Review before sending
The product's market selection: five insurers listed with the appetite this brokerage has recorded for each, two writing this risk, one preferring it, one declining it and one with no appetite on file. Three are chosen, and their submissions are being prepared in the channel each market takes: two insurer portals filled in, and an email drafted to the underwriter for the one that referred.

Compare terms

Stage 4 of 5. Quotes are compared side by side, with key differences highlighted for the broker to review.

Comparison grid

3 flagged
Vero CGU QBE
Premium & excess $4,180 / $1,000 $3,940 / $2,500 $4,610 / $1,000
Public liability limit $20m $10m $20m
Products liability $20m $10m Not covered
Work at heights To 3 storeys No limit No limit
Flagged differences (3) Mark reviewed
The product's comparison grid: three quotes are aligned question by question, with a halved public liability limit and a height restriction flagged as meaningful differences and one document marked as not covering products liability. No column is recommended: the grid ends at the difference and the broker decides.

Broker decides

Stage 5 of 5. The recommendation is ready. The broker reviews it, makes the final call and sends it to the client.

Review & decide

Due in 5h

Quote recommendation

  • Vero $4,180 Recommended $20m Products Liability · No height restriction
  • CGU $3,940 $10m Products Liability · $2,500 excess
  • QBE $4,610 Products Liability not included

Why Vero

Vero is $240 more than CGU, but provides a $20m Products Liability limit and no height restriction for fit-out work.

Broker note

The broader cover better matches the work you undertake, despite the slightly higher premium.

Included with this recommendation

3 quote schedules attached

Reject Edit & Approve
The product's approval review for a client quote recommendation: three quotes listed with their premium and the coverage facts that separate them, the dearest marked as the recommended option, a short written rationale and a drafted broker note, the three quote schedules attached, and an approve-and-send action that sends it to the client.

More broker work

The rest of the week, too.

Three more things that eat a broker's day.

Explore the platform

Market appetite

Know who to approach.

See which insurers write the risk, and who to contact.

Trade contractors

Writes
Line
Public Liability
Market
Vero

Underwriter

Anna Petrova

Casualty · direct access

Appetite confirmed 6 days ago

A market appetite entry this brokerage has recorded: Vero writes public liability for trade contractors, last confirmed six days ago, with the underwriter the brokerage deals with directly.

Ask your records

Ask the file. See the source.

Get an answer from your records and see exactly where it came from.

Ask

1 source

What was the prior excess?

$1,000

Source

Policy Schedule 2025.pdf

Property section · p. 4

A question answered from the brokerage's own records: the prior excess was $1,000, drawn from page four of the 2025 policy schedule, with the source one click away.

Document comparison

See what changed before you advise.

Compare insurer documents and see the important differences side by side.

Storm excess

Changed
Prior wording
$1,000 each event
Current wording
$5,000 each event p. 7

Excess increased by $4,000.

One clause compared across two documents: the storm excess has moved from $1,000 to $5,000 each event, flagged as a change and cited to page seven.

Control and trust

You make the calls.

Read the details

  • Nothing goes to a client or insurer without your approval.

  • Emails send from your own mailbox.

  • Every answer and comparison links back to its source.

  • Built by an Australian company.

Design partner

Building beside brokers.

We’re building Morefold with Cipher around the real work brokers repeat every day.

As a start-up brokerage it can be hard to find the hours in the day to get everything done.

Morefold has given us back so many crucial hours, which has translated directly to the client experience that we pride ourselves on.

I don’t know what we would do without it!

Jack O'Hagan Co-Founder

FAQ

Straight answers.

What is Morefold?

Morefold is an AI new-business platform for Australian insurance brokerages. It prepares each enquiry’s next step, from lead to quote, and any action that reaches a client or insurer waits for a broker.

Who is Morefold for?

Australian insurance brokerages today. It is built to extend to other broker-led businesses over time, but insurance is the focus now.

Does Morefold replace my broker management system?

No. Morefold works alongside the systems you already use.

What can Morefold connect to?

Google Drive, OneDrive, SharePoint, Gmail and Outlook. Your files and messages stay where they are, and Morefold works with them there.

Is my data safe?

Structured tenant records are stored in an Australian database. Files and AI processing can involve providers outside Australia. See the Trust page for details.

Is this financial or legal advice?

No. Morefold provides software, not advice. AI output is not financial, insurance or legal advice, a recommendation, or an offer of any financial product, and Morefold does not hold an Australian financial services licence. Insurance advice remains the responsibility of licensed brokers and advisers.

How do I start?

We are onboarding a small number of Australian brokerages as design partners. Request a demo.

Start a conversation

Where does new business slow down in your brokerage?

Half an hour, one real enquiry, and a straight answer on whether this helps you.

Request a demo