What types of bordereaux can AI process?
Modern AI can process most common delegated authority bordereaux, including premium, claims, risk, exposure and commission bordereaux. Rather than relying on a specific spreadsheet format, AI understands the underlying business information and can adapt to different layouts, making it suitable for a wide variety of delegated authority reporting.
Key takeaways
- AI can process most common delegated authority bordereaux.
- Premium, claims, risk, exposure and commission bordereaux each present different challenges.
- Different spreadsheet layouts do not necessarily require different AI workflows.
- Human review remains important where data quality or confidence is low.
Delegated authority arrangements generate many different types of bordereaux.
Although they all support oversight and reporting, each serves a different business purpose and contains different information.
Traditionally, organisations have often developed separate import templates for each bordereau type and, in many cases, for each individual coverholder.
Modern AI offers a different approach by understanding the information being reported rather than simply recognising predefined spreadsheet layouts.
Premium bordereaux
Premium bordereaux are the most common type of delegated authority report.
They typically contain information such as:
- Policy references
- Inception and expiry dates
- Premium amounts
- Taxes
- Commissions
- Insured details
- Currency
- Coverholder references
Because premium bordereaux often arrive from multiple coverholders using different spreadsheet structures, they are a common candidate for AI-assisted transformation and validation.
Claims bordereaux
Claims bordereaux focus on reported losses and claim movements.
They may include:
- Claim numbers
- Dates of loss
- Paid amounts
- Outstanding reserves
- Recovery information
- Claim status
- Cause of loss
Claims data often contains more narrative text than premium bordereaux, making contextual understanding particularly valuable.
Risk and exposure bordereaux
Risk bordereaux describe the business currently on risk.
Depending on the class of business, they may include:
- Locations
- Sums insured
- Occupancy
- Construction
- Vessel information
- Vehicle details
- Limits and deductibles
These bordereaux are frequently used for catastrophe modelling, portfolio analysis and accumulation management.
Commission bordereaux
Commission bordereaux record broker and coverholder remuneration.
Although generally smaller than premium bordereaux, they often require reconciliation against premium information before downstream reporting.
AI focuses on the business meaning
From an operational perspective, the challenge is rarely the type of bordereau itself.
The greater challenge is that every organisation presents similar information differently.
One coverholder may describe a field as Gross Written Premium, another as Premium, while a third simply uses GWP.
Rather than relying on exact column names, modern AI can interpret the business meaning of each field and map it into a common target structure before validation.
This allows organisations to process many different bordereaux without maintaining large numbers of bespoke import templates.
Choosing where to start
Not every bordereau delivers the same return on investment.
Many organisations begin with premium bordereaux because they are high volume, repetitive and frequently require manual transformation before loading into operational systems.
Once confidence has been established, the same principles can often be extended to claims, exposure and other delegated authority reporting.
Example
A managing agent receives monthly premium, claims and risk bordereaux from multiple coverholders.
Each bordereau contains different information and uses different spreadsheet layouts.
Rather than building separate processing routines for every submission, AI identifies the business concepts within each bordereau, maps them into the organisation's preferred data structure and highlights any records that require manual review.
FAQs
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Can AI process both premium and claims bordereaux?
Yes. Although premium and claims bordereaux contain different information, modern AI can understand both document types and transform them into structured outputs.
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Does every bordereau require its own AI model?
No. Modern AI models can usually work across many different bordereaux without requiring a separate model for each coverholder or spreadsheet layout.
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Which type of bordereau should organisations automate first?
Premium bordereaux are often the best starting point because they are high volume, repetitive and commonly require manual transformation before loading into downstream systems.
See it on your own bordereaux template
Send us your target BDX format and we'll show how AI can transform typical market bordereaux into your required structure.
