End-to-End Delegated Authority Operations
Manage the full lifecycle of delegated authority — from underwriting and policy issuance to endorsements, bordereaux reporting, and premium accounting — in one unified platform.
Quote, bind, and issue within your authority limits
BindHQ enforces carrier-specific binding authority at every step. Define line-size limits, territory restrictions, class-of-business rules, and approval thresholds — so underwriters can move fast without exceeding their delegated authority.
Authority guardrails at point of bind
Automatically enforce carrier limits, territory, and class restrictions before any policy is bound.
Multi-carrier, multi-program support
Run multiple programs across different carriers — each with its own rules, rates, and authority parameters.
Configurable approval workflows
Route quotes that exceed individual authority to senior underwriters or carrier referral queues automatically.
Issue, endorse, and renew — without the back-office bottleneck
BindHQ handles the full policy lifecycle natively. Issue policies, process mid-term endorsements, schedule renewals, and manage cancellations — all with a complete audit trail and real-time premium calculations.
Automated document generation
Policy dec pages, endorsement forms, and binders are generated automatically using your templates.
Proactive renewal management
Renewal lists are generated automatically with pre-filled data so your team can focus on retention, not data entry.
Full audit trail
Every change is timestamped with user attribution — endorsements, cancellations, reinstatements, everything.
Automated bordereaux — no more manual Excel assembly
Carriers demand accurate, on-time reporting. BindHQ generates premium, loss, and claims bordereaux on schedule and in the exact format each carrier requires — eliminating the manual spreadsheet work that consumes your operations team every month.
Carrier-specific formatting
Each carrier gets reports in their preferred format — column mappings, date formats, and field definitions are fully configurable.
Data lake for custom reporting
Access your full dataset and build custom reports with SQL. Query policy, claims, and accounting data directly for any carrier or internal need.
Built-in validation
BindHQ validates data completeness and accuracy before submission — catching errors before your carriers do.
Premium flows, taxes, and commissions — fully reconciled
Delegated authority means managing complex premium flows between agents, carriers, and your own book. BindHQ tracks every dollar — gross written premium, carrier payables, agent commissions, surplus lines taxes, and stamping fees — with built-in reconciliation.
Automated commission splits
Calculate and track multi-tier commission structures across agents, sub-producers, and carriers automatically.
Surplus lines tax management
State-specific tax rates are applied automatically. Generate filing reports for stamping offices with one click.
General Ledger integration
Every premium transaction flows into a full General Ledger automatically. Close your books faster with real-time visibility into receivables and payables.
BindHQ vs. Legacy tools
Automated bordereaux generated and delivered on schedule
Unified platform — underwriting through accounting in one system
Carrier authority limits enforced automatically at point of bind
Endorsements processed digitally with full audit history
State-specific surplus lines taxes calculated and filed automatically
Run multiple programs on one platform with isolated rules and rates
Audit-ready at all times with timestamped transaction logs
Manual bordereaux compiled in Excel every month
Disconnected underwriting, policy, and accounting systems
No real-time authority limit enforcement
Endorsements processed manually with no audit trail
Surplus lines tax calculated in separate spreadsheets
Multi-program support requires separate system instances
Carrier audits require weeks of preparation
Frequently asked questions
Answers to common questions about getting started and using BindHQ day to day.
