Wave B · offer stub · most complete
COI & binder gaps — before the certificate leaves the desk.
Independent P&C agencies: paste a binder or certificate of insurance draft (or load our synthetic sample). BIND returns a labeled gap checklist for named insured, additional insured language, waiver of subrogation, cancellation notice days, and limits vs request. Your AMS stays system of record.
1 · What it is
A COI / binder hygiene overlay — not an AMS.
BIND is a Wave B offer stub: a paper/ink seat (or toothpick pack) that sits beside the producer / CSR desk. It is presentation-complete for Zoom and booth — not a full SaaS, not Epic Policy Checking, not carrier binding.
2 · What it does
Overlay QA — AMS stays SoR
1. Paste binder / COI text
No AMS marketplace install. Browser intake of certificate / binder language and the request email. PDF binaries are refused.
2. Gap checklist
Heuristic rows: named insured match, AI / primary & noncontributory phrasing, WOS, notice days, limit vs request, description of ops.
3. Human still owns send
Producer / CSR / E&O counsel decide. BIND does not certify the COI, bind coverage, or mail the certificate.
4. Seat or toothpick
Monthly seat for the desk — or a one-shot toothpick pack while you test the wedge. Mailto hold on both.
3 · Honest compare · never a SoR replacement
What BIND sits next to — not above
Epic, AMS360, Hawksoft, Applied, and Policy Checking already run the agency. BIND does not peacock over them. SoftPro / AppFolio / Clio / PowerSchool are other-category SoRs — same rule: we never claim replacement.
| On the desk today | What it already does | Honest limit | BIND (this stub) |
|---|---|---|---|
| Epic / AMS360 / Hawksoft | System of record. Clients, policies, certificates issued from the AMS. | SoR is not an exception tray on this draft’s face vs request email. | We attach hygiene. We do not write back. We do not replace the AMS. |
| Policy Checking / UW workbenches | Real checking against submissions and forms. | Different job. BIND is certificate-face vs request — not underwriting. | Checklist labels only. Not binding authority. Not Policy Checking. |
| Spreadsheet / eyeball | Cheap, producer-owned, no vendor lock. | Rows drift. Easy to skip AI / WOS / notice days on a Friday COI. | Same job, live on a blotter — not a prettier spreadsheet product. |
| BIND seat / toothpick | Labeled gaps · REFUSE on empty / thin / PDF · human owns send. | Heuristic only. No E&O opinion. No ACORD licensing theater. | SettleUp suite module or standalone inquiry. AMS stays SoR. |
5 · Breakable demo · refuse is the feature
Try to break it. The desk should hold.
Empty paste, thin paste, and PDF upload are supposed to REFUSE — loud, no invented insureds, limits, or endorsements. That is resilience, not a crash. Sample path is synthetic and watermarked. Presentation-complete — not full SaaS.
Blotter
Paste COI / binder text
Human owns send. BIND does not mail, endorse, or bind. Watermarked demo for booth / Zoom.
6 · Suite / dual-mode
Module beside SettleUp — or standalone inquiry
Convergence over purity
BIND is a SettleUp suite module that can sit beside Pilot’s refuse-gate, or a standalone seat/toothpick for an agency that is not buying the aisle today. Primary live checkout is SettleUp Pilot. Magnet / sibling Stripe stays HOLD — BIND SKUs are mailto only.
4 · Pricing · ROI soft-framed
Seat first · toothpick optional
Seat · suggested
$79–249 / mo
CSR / producer desk overlay. Mailto hold — no live Stripe on this magnet.
- Monthly blotter beside the AMS
- Same refuse rails as the demo
- Not Epic Policy Checking
Toothpick pack
$29–79
One binder/COI QA pass while you test. Same rails. Same non-goals.
- One-shot hygiene pass
- Magnet Stripe HOLD
- Human owns send
Labeled assumption · not a kill claim
If a CSR recovers 4 hours/month at $45/hr fully loaded = $180 desk time, vs a mid-band seat of ~$149/mo → about 1.2×. A 3× story only holds if about 10 hours/month at that rate are actually saved. Toothpick $29–79 is a one-shot: it “pays” only if it catches one reissue you would have eaten. Assumptions — not a guarantee, not E&O savings, not a kill metric.
7 · Rails · kill · human owns send
Non-goals
- Not an Epic, AMS360, Hawksoft, or Applied replacement (SoR stays theirs)
- Not Policy Checking / underwriting / binding authority
- Not legal advice or E&O certification
- Not carrier portal automation or ACORD form licensing theater
- Not Wave C / MGA AUTHORITY product
- Not auto-send — human owns every certificate that leaves the desk
Not legal advice
BIND is an educational / QA checklist stub. It is not legal advice and does not create an attorney–client relationship. It does not replace your AMS, carrier, or E&O counsel. Output is not a determination that a COI is adequate, bindable, or safe to send. Human owns send. COMMON Notice is frozen and unrelated. No LLC / entity claims on this page. No counsel-blessed PDFs are invented here.