Future Ready · IRDAI Compliant · Insurance Intermediaries · India
Kaito-NEXUS
A Comprehensive End-to-End Solution for Insurance Intermediaries
Streamline every touchpoint — from lead capture and RFQ dispatch to policy issuance, brokerage accounting, and client retention — all within a single intelligent platform.
👥 Employee Benefits
🔥 Fire & Burglary
⚓ Marine & Cargo
⚖️ Liability
🏗️ Engineering
🔒 Cyber Risk
🚗 Motor Fleet
💊 Group Health
Core Pillars of Kaito-Nexus
Four foundational systems working in concert to deliver a seamless insurance brokerage experience
01
Lead Management System
Capture, qualify, and nurture leads from all channels. Track source, assign teams, set follow-up reminders, and monitor conversion rates in real time.
02
Quote Management System
Auto-generate standardized RFQs, dispatch to your insurer panel, collect and normalize quotes, and run multi-insurer comparison with a weighted scoring engine.
03
Policy & Document Management
Centralized policy register with version-controlled documents, endorsement tracking, renewal calendars, and IRDAI-compliant document workflows.
04
Client Servicing & Communication
Deliver proactive client engagement via SMS, Email, and WhatsApp. Automate renewal reminders, claims updates, and cross-sell recommendations at every lifecycle stage.
Insurance Product Portfolio
Personalised Product Workflow Driving Kaito-Nexus
Purpose-built product workflows for every line of commercial insurance — IRDAI compliant, data-rich, and ready to configure
🏪
Shopkeeper Package Policy
Package · SME
A comprehensive bundled policy combining multiple covers in a single plan — ideal for retail shopkeepers, traders, and small business owners.
Fire, burglary, money, and electronic equipment cover
Stock-in-trade, shop contents, and fixtures protection
Public liability for third-party injury or property damage
Personal accident cover for the proprietor
Neon sign, plate glass, and goods-in-transit add-ons
🎓
Professional Indemnity
Liability · Services
Protects companies and professionals providing advisory or skilled services against claims arising from errors, omissions, or negligence.
IT companies, consultants, architects & engineers
Doctors, lawyers, chartered accountants
Covers legal defense costs and third-party compensation
Claims-made policy with retroactive date options
Run-off cover available post-business closure
🏗️
Contractors All Risk (CAR)
Engineering · Construction
A comprehensive policy covering construction projects against physical loss or damage during the entire construction period — from groundbreaking to handover.
Material damage to works under construction
Contractor's plant, machinery, and equipment
Third-party liability for adjacent property or persons
Covers earthquakes, floods, fire, and accidental damage
Maintenance period extension available post-completion
👷
Workmen Compensation Insurance
Employee · Statutory
Mandatory cover under the Employee Compensation Act — protects employers against liability for workplace injuries, disability, or death of employees.
Statutory requirement for manufacturing, logistics & construction
Covers medical expenses, disability, and death benefits
Compensation as per EC Act Schedule rates
Covers permanent partial and total disablement
Common across heavy industries, warehouses, factories
🔐
Cyber Insurance
Cyber · Fast-Growing
One of India's fastest-growing insurance segments — protecting businesses against financial losses from digital attacks and data-related incidents.
Data breaches and unauthorized access
Ransomware attacks and extortion payments
IT system downtime and business interruption
Third-party liability for client data exposure
Crisis management, PR costs and regulatory fines
⚖️
Public Liability Insurance
Liability · Commercial
Protects businesses against third-party claims for bodily injury or property damage arising from business operations or premises.
Manufacturing companies, industrial units
Malls, retail stores & shopping complexes
Hotels, restaurants & hospitality businesses
Hospitals, clinics & healthcare facilities
Covers legal costs and compensation awards
Coverage Intelligence
🎯 Dynamic Coverage Section
Kaito-Nexus auto-suggests coverages based on the client's industry profile, turnover, headcount, and risk score — configurable at the product level.
🔥 Fire & Peril
👥 Group Health
🏪 Package Policy
🔐 Cyber Risk
⚖️ Public Liability
👷 Workmen Comp
🏗️ CAR / Engineering
🚗 Motor Fleet
⚓ Marine & Cargo
🎓 Prof. Indemnity
🏥 Medical Malpractice
🛡️ D&O Liability
🏢 Customer Group Section
Kaito-Nexus segments clients into intelligent groups — enabling targeted campaigns, risk-based recommendations, and portfolio analytics.
Cyber, D&O, Professional Indemnity, EB — rapidly growing segment
🏗️
Construction & Infrastructure
CAR, WC, Public Liability, Engineering — project-based coverage
🛒
Retail & SME
Shopkeeper Package, Burglary, Fire, PA — volume-driven segment
🏥
Healthcare & Pharma
Medical Malpractice, Fire, EB, Product Liability, Marine
🏨
Hospitality & Hotels
Fire, Public Liability, EB, Burglary — service industry focus
Nexus Application Workflow
Seamless Workflow, Effortless Insurance Business Management
Every step from lead to policy issuance is tracked, automated, and audit-logged within Kaito-Nexus
🎯
Lead
Capture & manage client lead details
📋
Policy Line
Select the insurance policy for the client
🔄
Existing Policy
Review and update existing policy details
🛡️
Coverages
Define coverages & add-ons per client needs
📤
RFQ & Quotation
Generate & share quotes with insurers
✅
Business Confirmation
Finalize the deal upon client approval
🔍
Policy QC
Quality checks for compliance & accuracy
📑
Placement
Issue policy & share placement details
ERP Process Flow — 7 Stages
01
Client Onboarding & Risk Profiling
CRM Module
Broker creates or imports corporate client record into ERP. KYC documents, business details, and existing coverage history are captured. Risk profiling questionnaire is auto-generated based on industry type (MSME, large corp, MNC).
🏢
Corporate Master Data
CIN, PAN, GST, industry code, turnover, employee count
📋
Risk Assessment Form
Asset values, sum insured estimates, locations, hazard class
Auto-flag 90/60/30-day renewal alerts from policy register
02
Insurance Requirement Capture & Product Selection
Requirement Module
Broker selects applicable insurance products for the client. The ERP enforces product-specific mandatory fields and sum insured logic as per IRDAI regulations. Multiple products can be bundled under a single RFQ batch.
👥
Employee Benefits
GHI, GTL, GPA, WC — headcount, grades, age bands, SI slabs
First/third party, ransomware, social engineering, fidelity
03
Request for Quotation (RFQ) — Multi-Insurer Dispatch
RFQ Module
ERP auto-generates standardized RFQ documents based on product-specific templates. Broker selects target insurers from the registered panel and dispatches RFQs simultaneously via email integration or insurer portal API. RFQ status is tracked in real-time.
New India Assurance
United India Insurance
HDFC ERGO
Bajaj Allianz
ICICI Lombard
Tata AIG
Oriental Insurance
National Insurance
Reliance General
Star Health
🤝 Co-Insurer Dispatch
🏥 TPA Integration
📤
Bulk RFQ Dispatch
Single click sends to all selected insurers with unique RFQ reference
📊
RFQ Tracker
Sent / Acknowledged / Quote Received / Expired status per insurer
⏰
Deadline Management
Auto-reminders to insurers at D-3, D-1 before quote deadline
📎
Document Attachments
Loss history, inspection reports, schedules auto-attached per product
04
Quote Collection & Management
Quote Register
Insurers submit quotes which are captured into the ERP Quote Register — manually entered by the broker or auto-ingested via API/email parsing. Each quote is version-controlled and linked to the originating RFQ. Clarification requests to insurers are tracked inline.
📥
Quote Ingestion
Manual entry, PDF parsing, or API pull from insurer portals
🔢
Premium Normalization
Convert to comparable format — net premium, taxes (GST 18%), total
📝
Cover Note Details
Deductibles, exclusions, sub-limits, co-pay, waiting period
🔄
Revision Tracking
v1, v2, v3 quote versions with delta comparison flag
❓
Clarification Log
Q&A thread with underwriter, timestamped and audit-logged
⚠️
Deviation Alerts
Flag quotes with restrictive conditions vs client requirement
TPA name, network hospitals, cashless facilities, admin fee included in quote
05
Multi-Insurer Comparison & Analysis Engine
Comparison Module
ERP generates a structured side-by-side comparison across all received quotes. Weighted scoring engine ranks insurers on premium, coverage breadth, claim settlement ratio, and insurer financials. Broker can annotate recommendations per line of product.
Separate comparison grids for each product: EB, Fire, Marine, etc.
✏️
Broker Annotations
Add notes, pros/cons, and recommendation rationale per insurer
📈
Historical Benchmarks
Compare vs market rate & previous year premium from ERP history
06
Proposal Generation & Sharing to Client
Proposal Engine
ERP generates a branded, professional broker proposal document consolidating all insurer options, the comparison matrix, broker's recommendation, and terms summary. Proposal is shared via a secure client portal link or PDF email with e-signature capability.
📄
Branded Proposal PDF
Auto-generated with broker logo, executive summary, cover summary pages
🔗
Secure Client Portal
Password-protected link with read tracking & view analytics
✅
Client Approval Workflow
E-sign on selected option, approval comments, rejected/accepted status
📱
Multi-channel Delivery
Email, WhatsApp, portal, or physical courier — logged in ERP
🔢
Version Control
Revised proposals tracked; client sees latest, broker has full history
💬
Negotiation Loop
Client queries trigger re-negotiation RFQ revision cycle back to insurers
📤 Sent to Client
👁️ Viewed (Portal)
💬 Queries Raised
✅ Option Selected
🖊️ E-Signed
07
Policy Issuance, Brokerage & Ongoing Management
Policy Register
Upon client approval, ERP raises the placement instruction to the selected insurer and tracks policy issuance. Premium payment, brokerage commission (as per IRDAI broking limits), and policy document storage are fully managed within the ERP. Claim intimation triggers a new workflow.
📑
Placement Instruction
Formal instruction letter to insurer auto-generated on client approval
Track renewal pipeline, at-risk accounts, win-back campaigns. Auto-score clients by flight risk using loss ratio and engagement data.
🎯
Cross Selling
AI-driven product recommendations based on client profile, industry, and coverage gaps. Trigger targeted campaigns to upsell add-ons and new product lines.
📲
Customer Engagement
Send notifications and reminders to clients via SMS, Email, and WhatsApp — renewal alerts, claim updates, policy documents, and service announcements.
Why Choose Us
Why Choose Kaito-Nexus
Designed to streamline the workflow of Insurance Intermediaries — a step ahead in insurance business management
📈
Scalable Solutions
Built to grow with your business — from a 2-person brokerage to a 500-seat enterprise. Zero data migration friction as you scale.
⚡
Cutting-Edge Technology
Modern cloud-native architecture with real-time sync, API-first design, and AI-assisted quote comparison and risk scoring.
🔗
Seamless Integrations
Native integration with insurer portals, IRDAI BSP (Bima Sugam), payment gateways, WhatsApp Business, and accounting systems.
🏆
Domain Expertise
Built by insurance professionals for insurance professionals. Every workflow mirrors real-world brokerage operations and IRDAI mandates.
🎁
End-to-End Offerings
One platform for lead-to-policy, claims, renewals, brokerage accounting, MIS, and client engagement — no stitching of multiple tools.
⚖️
Regulatory Compliance
IRDAI-compliant workflows, automated compliance checks, audit trails, and document management aligned with IRDAI Broking Regulations.
🛎️
Proactive Support
Dedicated onboarding, 24×7 support, and regular product updates. Our team understands insurance — not just software.
📲
Client Engagement
Send notifications and reminders to clients via SMS, Email, and WhatsApp — keeping your clients informed at every step of the policy lifecycle.
Integrated ERP Modules
👤
CRM & Client Master
Corporate client profiles, contact hierarchy, KYC docs, relationship history
📊 Consolidated Insurance Summary — Aditya Birla Group
Group Premium₹ 4.82 Cr
Group Brokerage₹ 40.8 L
Avg. Loss Ratio44.6%
Claims FY25₹ 2.15 Cr
Top CoverEB + Fire + D&O
Insurer PartnerHDFC ERGO
Policies Active34
Renewing 90d6 policies
📡
Vodafone Idea (Vi)
Telecom · Joint venture
EBCyberD&O
₹ 1.26 Cr · 7 policies
🏗️
UltraTech Cement
Cement · Largest in India
FireEngineeringWC
₹ 1.08 Cr · 8 policies
🧵
Grasim Industries
Viscose · Chemicals · Textiles
FireMarineWC
₹ 0.88 Cr · 6 policies
💰
Aditya Birla Finance
NBFC · Loans, Wealth, AMC
D&OCyberPI
₹ 0.78 Cr · 6 policies
👗
Aditya Birla Fashion (Pantaloons)
Retail Fashion · Madura Garments
FireBurglaryEB
₹ 0.52 Cr · 4 policies
⚗️
Hindalco Industries
Aluminium · Copper · Mining
FireMarineWCEngineering
₹ 0.68 Cr · 3 policies
🔴
Mahindra Group
Automotive · Tech · Agri · Financial Services · Rise for Good
₹ 2.8Cr
Total Premium
6
Entities
28
Policies
▼
📊 Consolidated Insurance Summary — Mahindra Group
Group Premium₹ 2.78 Cr
Group Brokerage₹ 23.6 L
Avg. Loss Ratio36.2%
Claims FY25₹ 1.01 Cr
Top CoverEB + Motor + Fire
Insurer PartnerICICI Lombard
Policies Active28
Renewing 90d4 policies
🚙
Mahindra & Mahindra
Automotive · SUVs, Tractors, Defence
FireMotor FleetEB
₹ 0.96 Cr · 8 policies
💻
Tech Mahindra
IT Services · BPO · 150K+ employees
CyberEBD&O
₹ 0.72 Cr · 6 policies
🌾
Mahindra Agri Solutions
Agriculture · Farm Equipment · Rural
FireWC
₹ 0.44 Cr · 5 policies
🏦
Mahindra Finance
NBFC · Rural vehicle & home finance
D&OCyberEB
₹ 0.38 Cr · 4 policies
🏨
Club Mahindra Holidays
Hospitality · Resorts across India
FireLiabilityEB
₹ 0.28 Cr · 5 policies
Insurer Performance Scorecards
Evaluated on: Quote TAT, claim settlement %, premium competitiveness, service quality · FY 2025–25
HDFC ERGO91
Claim Settlement98.2%
Quote TAT2.1 days
Price CompetitivenessVery Good
Policies Placed34 policies
ICICI Lombard88
Claim Settlement97.8%
Quote TAT1.8 days
Price CompetitivenessAverage
Policies Placed28 policies
Tata AIG85
Claim Settlement96.4%
Quote TAT2.4 days
Price CompetitivenessGood
Policies Placed22 policies
Bajaj Allianz79
Claim Settlement94.1%
Quote TAT3.2 days
Price CompetitivenessHigh
Policies Placed19 policies
New India Assurance74
Claim Settlement95.4%
Quote TAT4.5 days
Price CompetitivenessVery Good
Policies Placed17 policies
Oriental Insurance62
Claim Settlement88.6%
Quote TAT5.8 days
Price CompetitivenessGood
Policies Placed8 policies
Technical Architecture
Cloud-Native AWS Architecture
Kaito-Nexus is deployed on a secure, highly available AWS infrastructure — purpose-built for insurance workloads with enterprise-grade security, auto-scaling, and 99.9% uptime SLA
☁️
CloudFront CDN
→
🛡️
WAF
→
⚖️
ALB
→
🌐
VPC
🪣
S3 Buckets
📊
CloudWatch
💾
Redundant Data
Global Monitoring & Storage
Private Subnet · AZ1
CMS Campaign Services
λ
Campaign Definition
λ
Campaign Lifecycle
λ
Campaign Execution
λ
Activity & Monitor
λ
Campaign Reports
λ
Notification Svc
λ
Scheduler / Trigger
Q
Queue
Public Subnet · AZ2
🌐
Public Gateway
⬛
Web Application
λ
Win–HRMS Portal
🖼️
Static Content
🔀
API Gateway
Internet traffic entry point
DMZ — HRMS Services
🔀
API Gateway
Employee access entry
👤 Employees
→🔒 Secure Conn
→✳️ Routing
λ
Profile & Emp Timeline
λ
Time Management
λ
Expense Management
λ
Reimbursement Mgmt
λ
Performance Mgmt
λ
Emp Activity Svc
λ
Emp Hierarchy Mgmt
λ
Attendance Mgmt
λ
Task Management
λ
Roles & Groups Svc
λ
Reports Service
λ
Super Admin Svc
λ
Notification Svc
λ
Emp Management
λ
Mgmt Module Lifecycle
λ
Customer & Lead Mgmt
λ
Global Reports Svc
λ
Emp Services Rules Engine
λ
Access Service
RDS Cluster — Highly Available
🗄️
HA Cluster (Primary)
🗄️
HA Cluster (Replica)
🗄️
HA Cluster (DR)
Cloud Services
📈
Analytics
🔐
Secrets Manager
📦
ECS Registry
⚙️
ASG
🔑
IAM
DevOps & CI/CD
☁️
AWS SDK S3 Node.js
⚡
CI/CD Jenkins
🐙
Git Source Mgmt
🐳
Docker
🧪
API Testing & Docs
✅
Source Quality
AWS Lambda Microservices
Private Subnet (CMS)
Public Subnet
DMZ (HRMS Services)
RDS HA Cluster
Corporate Insurance Market Intelligence
India Corporate Insurance Market Statistics
Key data points driving the corporate insurance segment — the opportunity Kaito-Nexus is built to capture
₹ 2.9L Cr
India GWP FY 2025
↑ 13% YoY
₹ 1.1L Cr
Corporate Segment Share
~38% of total market
800+
Licensed Brokers in India
IRDAI Registered
4.2%
Insurance Penetration
vs 7% global avg
₹ 8,500 Cr
Broker Brokerage Pool
FY 2023-24
18%
Group Health CAGR
2020–2025
Corporate Insurance Product Mix
% share of corporate premium — India FY 2025
Corporate GWP Growth Trend
Total premium (₹ Cr) across key product lines — FY 2020–2025
🏥
TPA Ecosystem in India
Licensed TPAs24 Active
Claims processed/yr2.8 Cr+
Network hospitals15,000+
Cashless TAT (avg)< 4 hrs
Reimbursement TAT15–30 days
🤝
Co-Insurance Market Share
Large Risk Co-Ins Share35–60%
Typical lead insurer40–70%
Follow insurer(s)30–60%
Products with co-insFire, Marine, Engg
IRDAI min sum-ins₹ 50 Cr+
⚖️
Insurer Claim Settlement Ratios
HDFC ERGO98.2%
ICICI Lombard97.8%
Bajaj Allianz96.9%
Tata AIG96.4%
New India Assurance95.4%
Group Health Insurance — Premium & Claim Trend
Corporate GHI segment — Premium collected vs Claims paid (₹ Cr) — India — FY 2019 to FY 2025
Corporate Insurance Penetration by Industry
% of businesses with adequate insurance coverage
IT & Technology82%
Banking & Financial Services79%
Manufacturing & Industrial68%
Healthcare & Pharma61%
Construction & Real Estate47%
Retail & FMCG34%
Agriculture & Agri-Business22%
Cyber Insurance — Fastest Growing Segment
India corporate cyber premium (₹ Cr) — projected growth
Get in Touch
We Look Forward to Working With You
Discover how Kaito-Nexus can transform your insurance brokerage operations