NBS, a professional indemnity (PI) insurer, has made its offering available through Recorder, a digital platform used by insurance brokers, through an API integration that transfers submissions directly into NBS’s underwriting system. The connection is designed to reduce manual work for brokers while allowing the insurer to continue using its own pricing and risk assessment processes.
Brokers can now enter risk information into Recorder and send it to NBS without having to re-enter the same details in a separate system. Once received, each submission is processed using NBS’s existing underwriting questions, pricing models and rules. The insurer’s underwriters assess the risk before quotes and supporting documents are returned through the platform.
Rather than requiring NBS to adapt its underwriting process to a standardised digital trading model, the integration connects brokers with the insurer’s existing systems. This allows NBS to retain control over how it evaluates and prices PI risks while making its product accessible through another distribution channel.
For brokers, the connection is intended to make placing business more straightforward. Reducing duplicate data entry and the need to move between systems can help limit administrative work and keep more of the submission process within the platform they already use.
Recorder provides digital infrastructure through which brokers can access insurance products from insurers and managing general agents (MGAs). By connecting providers with intermediaries, the platform enables products to be distributed digitally without requiring insurers to replace their existing technology or change their individual underwriting procedures.
NBS’s product became available on Recorder following a request from a broker using the platform. The launch reflects how feedback from intermediaries can shape the development of digital insurance services, particularly when brokers want easier access to specialist products without introducing additional steps into their workflows.
API connectivity is becoming an important part of insurance technology as providers look to modernise distribution while maintaining established underwriting capabilities. Instead of forcing insurers to adopt a common set of questions and pricing rules, integrations can allow each provider to retain its own approach while exchanging information with broker platforms.
NBS managing director Steve Cowman said, “Making brokers’ lives easy is at the heart of how we develop our products and technology, and this integration gives brokers another way to access our PI offering.
“The integration came about following a request from a broker using Recorder, so it’s great to now see it live. We want to listen to how brokers want to trade with us and, where we can, make it easier for them to access our products in a way that works for their business.”
Recorder co-founder Matt Hicks said, “For years, insurers were told that trading online meant squeezing their products into a standard question set. That was e-trade. It made every product look the same and stripped out the judgement that sets a good underwriter apart.
“API-first products reverse that. NBS ask their own questions, price with their own rating and put every risk in front of their own underwriters. Brokers get a fast, clean journey, and NBS keep the underwriting expertise that made them worth approaching in the first place.
“NBS have been a pleasure to work with. They understand where the market is heading, and we’re delighted to welcome them to the Recorder platform.”
The integration gives NBS another way to distribute its PI product digitally, while expanding the range of insurance offerings accessible through Recorder. It also demonstrates how connected platforms can reduce friction between brokers and insurers without removing the specialist underwriting processes used to evaluate individual risks.
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