Coverholder platform for multi-level distribution
Deploy insurance products in weeks with powerful distribution management. Built for coverholders managing complex broker and producer networks.
Manage complex distribution networks with agility
As a coverholder, your binding authority means nothing without efficient distribution. SANDIS delivers a purpose-built platform that enables rapid product deployment while managing multi-level broker and producer networks with precision that traditional systems cannot match.
Deploy new property insurance products in approximately one month and modify them in 2-4 weeks as market conditions change. Your distribution partners receive instant quotes and bind coverage immediately, while you maintain complete oversight and automated commission settlement across your entire network.
Why coverholders choose SANDIS
SANDIS addresses the specific challenges coverholders face when balancing carrier relationships, regulatory compliance, and distribution efficiency:
Multi-level distribution control
Manage complex hierarchies of wholesalers, retail brokers, and producers with unlimited tiers. Track performance, automate commissions, and maintain compliance across your entire network from a single platform.
Rapid product deployment
Launch new insurance products in approximately one month instead of 6-12 months with traditional systems. Test market opportunities quickly with minimal investment before committing to full rollout.
White-label capability
Present the platform under your own brand identity. Complete customization of interface design, policy documents, and customer touchpoints ensures consistent brand experience for your distribution partners.
Market responsiveness
Modify pricing, coverage terms, and distribution rules in 2-4 weeks to respond to competitive pressure or emerging opportunities without waiting for lengthy IT development cycles.
Distribution network management
SANDIS provides comprehensive capabilities specifically designed for coverholders managing property insurance distribution:
Hierarchical network structure
Build and manage sophisticated multi-tier distribution including wholesale brokers, retail agents, program administrators, and specialty producers. Define unique commission structures, pricing authority, and product access for each tier. Track sales performance and commission flows across unlimited network levels with complete transparency.
Automated commission processing
Configure complex commission arrangements with multiple tiers, overrides, volume bonuses, and carrier splits. The platform automatically calculates all commission components, generates detailed statements for each participant, and provides real-time commission visibility to your distribution partners. Reconcile with carrier bordereaux efficiently through comprehensive reporting.
Real-time quote and bind
Enable your distribution partners to generate instant quotes based on your underwriting guidelines and bind coverage immediately within defined authority limits. Automated underwriting rules ensure compliance with carrier requirements while delivering speed that closes more business. Referrals requiring human review route automatically to your underwriting team.
Carrier integration and reporting
Maintain compliance with carrier reporting requirements through automated bordereaux generation. Track exposure by product, territory, and peril in real-time. Generate carrier-specific reports matching each insurer's format requirements. API integration capabilities enable direct connection to carrier policy administration systems where required.
Regulatory compliance support
Built-in compliance features help meet regulatory requirements across different jurisdictions. Maintain audit trails for all transactions, store required documentation, track producer licensing, and generate regulatory reports. Multi-currency and multi-language support facilitates international operations.
Product configuration and management
Configure insurance products quickly using modern tools that complement your existing workflows. The platform integrates with your current risk models and rating approaches, whether you use Excel-based calculations, external rating engines, or flat file rating tables.
This flexibility means you can deploy products rapidly without rebuilding your actuarial work. Modify products in 2-4 weeks as market conditions change, updating pricing, coverage options, or underwriting rules without extensive IT involvement.
Property insurance specialization
SANDIS focuses on property insurance lines where coverholders typically operate, including:
- Commercial property: Office buildings, retail locations, warehouses, and specialty commercial risks
- Automotive insurance: Personal and commercial auto, GAP coverage, mechanical breakdown insurance
- Residential property: Homeowners, renters, condo policies with flexible coverage options
- Specialty property lines: Equipment breakdown, builders risk, inland marine coverages
With successful deployments across Poland, Chile, and the United States, SANDIS demonstrates proven adaptability to different regulatory environments and market conditions that coverholders encounter when operating internationally.
Technology built for operational efficiency
SANDIS operates on modern cloud architecture that eliminates infrastructure management while providing enterprise-grade capabilities:
- Cloud-based deployment with automatic updates and zero infrastructure management
- API integration capabilities for connecting to carrier systems, data vendors, and payment processors
- Mobile-responsive design enabling producers to quote and bind from any device
- Advanced security protocols meeting insurance industry standards and carrier requirements
- Comprehensive audit trails supporting regulatory compliance and carrier audits
- Multi-currency support for international operations with automatic exchange rate updates
Implementation approach
Unlike enterprise software requiring 12-18 months to deploy, SANDIS follows a streamlined implementation process designed specifically for coverholders:
Week 1-2: Discovery and configuration
We analyze your products, distribution structure, and carrier requirements to configure SANDIS for your specific operation. Our team handles technical setup while you focus on defining business rules, commission structures, and underwriting guidelines.
Week 3: Integration and testing
Rating models are integrated, API connections to carriers and data vendors are established, and white-label branding is applied. Comprehensive testing ensures accurate pricing calculations, proper commission flows, and smooth workflow automation across all distribution tiers.
Week 4: Training and launch
Your distribution partners receive training through intuitive tutorials designed for insurance professionals. The platform requires minimal learning curve, allowing experienced brokers and producers to begin quoting and binding immediately after brief orientation.
Competitive advantages for coverholders
Coverholders using SANDIS gain measurable operational advantages over those using legacy systems or manual processes:
Distribution partner satisfaction: Brokers and producers prefer working with coverholders offering modern, efficient quoting platforms. Better technology means stronger distribution relationships, reduced producer turnover, and increased market penetration.
Speed to market: Launch new products 5-10 times faster than competitors using traditional development approaches. Test new markets or product variations quickly, iterate based on actual results instead of lengthy planning cycles.
Operational cost reduction: Automation reduces manual policy issuance work by up to 70 percent, freeing your team to focus on underwriting quality, producer recruitment, and strategic growth initiatives rather than administrative tasks.
Market responsiveness: Modify products in 2-4 weeks instead of months to respond to competitive pricing pressure, emerging risks, or changing carrier appetites. Maintain profitability while staying competitive.
Carrier relationships: Comprehensive reporting and compliance capabilities strengthen carrier relationships. Demonstrate professionalism through accurate bordereaux, timely premium remittance, and transparent exposure reporting.