High premiums, negotiated terms, nothing standard.
Credit and surety, workers' compensation, employee benefits: each behaves differently and none fits the motor template. Workers' comp is adjusted against payroll at year end; a surety bond has a beneficiary and a guarantee term; a health plan is more work in member administration than in the policy itself. Amparo treats the line of business as configuration, not as an exception.
If this sounds familiar
- The current system only has generic fields, and the rest goes in a notes box.
- Commission rates are negotiated policy by policy, outside any band.
- A workers' comp year-end adjustment gets discovered late.
- Specialty departments grow faster than the system keeps up with.
What Amparo does in this case
Seven lines of business, each with its own fields: beneficiary and credit limit on a surety bond; payroll and activity code on workers' comp; sum insured and beneficiaries on life. Adding a line means adding configuration, not writing a new screen.
Each line has an indicative market band. A rate outside the band is flagged for review, never blocked — negotiated terms legitimately fall outside it, and a system that refuses them is a system people work around.
Motor and workers' comp carry them; life and credit don't. The decomposed premium reflects that, and the commissionable base excludes anything collected on the state's behalf.
The book shows what share sits with a single insurer. In a specialty line with few market participants, that dependency is a negotiating argument — and worth knowing the number before the meeting.
How it runs
- 01Pick the line
The fields change with it, and an operational note explains what's different.
- 02Record the actual terms
Including the negotiated rate, even outside the typical band — flagged, not refused.
- 03Follow the receipts
With the right commissionable base for the line, and levies where they exist.
- 04Analyse by line
Premium, commission and concentration, cut by line, insurer and agent.
Specialty line — high premiums, terms negotiated case by case.
Mandatory and adjustable — the final premium depends on payroll declared at year end.
Grows through employee benefits. Managing members is more work than the policy itself.
Often required by contract or professional body — the client buys out of obligation.
What Amparo doesn't do for you
- Reinsurance and co-insurance aren't modelled.
- Individual member administration for health plans isn't built.
- Automatic workers' comp adjustment calculation is on the roadmap.
- There's no actuarial logic for life or pensions.
We say this on the product page because finding it out in the third meeting is worse for both of us.
Questions
Yes, and it's deliberately cheap: lines of business are a configuration table defining fields, labels, commission band and whether parafiscal levies apply. Adding one doesn't mean writing new screens.
Bring a month of statements. We'll compare against your system.
If we don't find differences that justify the cost, you'll know that in a week — without spending a project to find out.