Allianz UK, the insurance giant, has enhanced its Complete Business proposition for digital trading, aiming to help brokers place SME risks online with greater speed and flexibility.
The revamp sees the insurer widen its underwriting appetite and strip out obstacles from the quoting process, positioning itself to say “yes” more frequently and encouraging brokers to reconsider Allianz when placing SME business.
A specialist group of Complete Business underwriters has been established as part of the changes, bringing stronger product knowledge and higher levels of authority. The aim is to speed up decisions and improve the quality of conversations when brokers seek help with renewals or new business quotations.
Simplicity sits at the core of the refresh. Brokers are now able to enter free text descriptions of a business without the submission being pushed into referral, addressing a longstanding pain point where small mismatches between trade selections and descriptions delayed quotes.
The insurer has also added 349 trades to its appetite, taking the overall count beyond 1,350, with particular emphasis on manufacturing and wholesaling. A multi-trade capability lets brokers combine as many as three trades within one quote, better mirroring how modern SMEs operate. In addition, the maximum indemnity limit for Material Damage and Business Interruption has doubled to £10m.
The proposition covers a broad spread of premises-based trades and offers ten optional cover sections, with Property Damage and Commercial Legal Expenses provided as standard. Other improvements include 0% interest instalment options, documentation that better reflects declared risk details, and clearer “upfront decline” signals on QuoteSME so brokers can concentrate on risks Allianz is able to write.
The changes form part of Allianz’s ongoing investment in digital trading, with its SME products distributed through imarket and its own QuoteSME platform, backed by specialist underwriting teams.
Allianz UK director of digital trading Eibhlin Swan said, “This is a step-change in how brokers can trade with us. We’ve broadened our risk appetite, removed unnecessary referral points and strengthened our underwriting support to make it faster and easier to place SME business digitally.
“Crucially, we’ve listened to brokers and we’re now able to say ‘yes’ more often. Whether it’s accepting free text risks without delays, supporting larger cases up to £10 million, or giving brokers direct access to more experienced underwriters, we’re helping them quote with greater speed and certainty. Early signs are encouraging with our Complete Business conversion rate increasing by five percentage points from April to May following these changes.
“These enhancements are about putting confidence back into every quote, so brokers can move faster, convert more opportunities and better support their customers.”
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