It’s 8:55am. Benny Fitz, a broker in Parramatta, promised a Management Liability quote for a 25-person engineering firm by lunch. The director wants options on limits and clarity on Employment Practices, Statutory, Crime and Cyber. The clock’s already ticking.
Admin is the bottleneck. The client hates forms. Benny hates re-keying.
By 10:30am, Benny either has a tidy quote pack… or a trail of emails, PDFs and unanswered questions.
Path A: Traditional admin heavy lifting
1) Find & send forms
Hunt down the latest ML proposal pack. Email it around the directors. Wait.
2) Chasing content
Reminders for signatures, dates and missing attachments. Clarify grey answers (“any investigations in the last 3 years?”). Convert hand-written notes to digital.
3) Re-keying & version control
Enter details into a worksheet. Re-enter again into multiple portals. Track v1, v2, “final_final.pdf”.
4) Underwriter back-and-forth
Follow-up questions roll in. You re-approach the client. More delays.
5) Quote collation
Different structures, sub-limits and wordings to reconcile. Build a neat client-facing comparison from scratch.
6) Bind & docs
Confirm terms. More emails. Wait for schedule and wording. File it all away.
Typical admin footprint:
- Multiple PDFs and e-sign links
- 30–80+ emails/threads
- Double or triple data entry
- 1–3 days to first complete pack (often longer, depending on responses)
Path B: Hutch via Ebix Sunrise Exchange (code HUTHML)
“Faster quotes. Smarter underwriting.
Fewer headaches.”
Open Ebix Sunrise Exchange, search HUTHML, and start a single digital submission. Hutch ML captures core business details once and lets you shape the structure sensibly in one place.
1) Build the structure cleanly
Select the sections aligned to the wording: Directors & Officers (Section 1), Corporate Liability (Section 2) and Employment Practices Liability (Section 3) are available as core ML components. Where suitable, you can include Statutory Liability (Section 4), Crime (Section 5) with an optional Social Engineering Fraud extension, and Third-Party Cyber Liability (Section 6).
2) Answer once, move on
Guided questions reduce free-text and duplication. Fewer attachments to chase. Less re-keying.
3) Underwriting, without the whiplash
Appetite guardrails help you avoid dead ends early. If a referral triggers, you’ll see what’s needed straight away, so you get to “first quote” faster (subject to underwriting).
4) Produce a client-ready pack
A consistent structure makes your comparisons simpler. The full audit trail sits in Sunrise, alongside schedules and wording for easy servicing later.
Typical admin footprint:
- Fewer emails/attachments to wrangle
- Single capture → fewer errors
- Faster time to a clean quote pack (subject to referral)
What actually changes for the broker (beyond time saved)?
Cleaner risk story
One path in Sunrise means fewer “what did we mean here?” loops months later.
Fewer rework cycles
Less copy-paste across forms and systems = fewer typos and mismatches.
Smoother servicing
Endorsements, renewals and claims start from cleaner data. And when a client asks “what’s covered where?”, your pack reflects the policy sections clearly. E.g., D&O (Section 1), Corporate Liability (Section 2), EPL (Section 3), and where selected, Statutory (Section 4), Crime (Section 5) and Third-Party Cyber (Section 6).
Client confidence
A tidy, consistent quote pack is easier to explain and faster to approve.
Why Hutch for ML?
The clear way to better cover.
Built for brokers. Designed for your clients’ modern risks. Backed by Lloyd’s.
Available exclusively via Ebix Sunrise Exchange (code HUTHML).
Key sections and options are set out in the policy wording and broker fact sheet, including the Social Engineering Fraud optional extension under Crime (Section 5) and Third-Party Cyber Liability (Section 6) where selected.
Faster quotes. Smarter underwriting. Fewer headaches.
Start your next ML placement by searching HUTHML on Ebix Sunrise Exchange.
Important notes
- This article is for brokers. It doesn’t consider your client’s objectives, financial situation or needs.
- Cover is subject to underwriting and eligibility. Section availability and limits depend on the schedule. Social Engineering Fraud is an optional extension under Crime (Section 5) where taken.
Bottom line
Path A makes you a document wrangler.
Path B makes you a broker again.
Same client. Same need. Less friction. More clarity. Enabling you to manage the liability, not the admin.
Next steps for brokers:
Open Ebix Sunrise Exchange, search HUTHML, and run the Tuesday Test on your next ML placement.
Kim Beavis : 12/11/2025 10:31:04 AM
