Surround
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Invite only. The record below is a sample company's.

The insurance record your company owns.

The bound policy is a snapshot. The business keeps moving. Surround keeps the live record — what the business says, what the policy says, what your contracts require — and shows every difference before the audit, the claim or the renewal does.

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  • Every number sourced and dated
  • Broker-portable: the client owns the record
  • Nothing marked compliant unless a person did
Built for operating companies that keep changing
  • PE-backed platforms
  • Roll-ups
  • Multi-entity operators
  • Field services
  • Construction trades

The policy was bound in March. Since then the company bought a roofer in Colorado Springs, put forty trucks on the road, signed a lease in San Antonio and grew payroll eighteen percent. The policy still thinks it's March.

Since the policy was bound
Ridgeline Roofing Group, March to October
The policy still says $14,000,000 payroll · 184 vehicles · 12 locations · 3 named insureds
  1. Mar 1
    Program bound
    $14,000,000 payroll · 184 vehicles · 12 locations · 3 named insureds
  2. Aug 15
    New warehouse lease
    5515 Walzem Rd, San Antonio — not on the property schedule
  3. Sep 14
    Acquired Pikes Peak Roofing
    23 people · 28 trucks · 2 yards — named only on workers' comp
  4. Sep 19
    Twelve new trucks
    Seven are past the 30-day reporting window
  5. Oct 21
    Payroll run-rate $16,500,000
    +$2,500,000 over the estimate the premium was rated on
One idea, every screen

Three sources. One record. Every difference.

Each row shows what the business says, what the policy says and what the contracts require — side by side, with the difference, a thread, and two buttons: report it to the broker, or hold it.

01Live
What the business says

Entities, locations, vehicles, drivers, payroll by class and revenue — from the systems that run the business, each with its source and timestamp.

02As bound
What the policy says

Carriers, limits, deductibles, forms and editions, scheduled locations, vehicles and named insureds — exactly as bound, from the dec page.

03Verbatim
What the contracts require

Every insurance clause in your leases, loans and customer contracts, verbatim — limits, additional insureds, P&NC, waivers, notice.

The item
Before the carrier finds it at audit — or the claim finds it first.
The record

Every difference, side by side, with its source.

Payroll by class against reported payroll. Fleet against the auto schedule. Locations against the schedule of values. Entities against named insureds. Each difference is an item with its Found $: due at audit, due at endorsement, or a possible return premium.

  • Source and timestamp on every number
  • Found $ at the policy's own rates
  • One thread with your colleagues and the broker
Contracts

Upload a lease. See what it requires that the program doesn't deliver.

The insurance clause becomes one requirement per line, quoted verbatim, each checked against the program: limits, additional insured, primary and non-contributory, waiver, notice, deductible cap, carrier rating, entity named, location scheduled.

  • Read by Claude, with a confidence on every value
  • Deterministic matches auto-check; judgment calls wait for a person
  • Certificates checked against the policy, too
Program

See what your broker earned.

Lines, layers, limits, deductibles, carriers and dates — and the money: premium, commission percent, commission dollars and fees per policy. Anything paid that isn't premium or a disclosed fee shows up as a row.

  • Commission from the disclosure, payments from the books
  • Mid-term endorsements reopen what they touch
  • Compare any quote against the program you have
Requests

One request to the broker. Measured.

Select the items, send one request with the source data attached — no phone tag, no “can you send me the VINs.” The broker works it from their own seat and sends policies, binders, endorsements, invoices, audits and certificates into the record — not by email. Turnaround is logged.

  • The broker's login lands on open items, with an upload into the record
  • Every document says who put it there — broker or company
  • First response and time to done, per request
Acquisitions

Cover the add-on before automatic coverage ends.

Drop in the new company's entities, yards, fleet and payroll. The record runs them against the platform's program and packages every item into one request — with the date automatic coverage ends counting down.

  • Named insureds, schedules, payroll and contracts in one pass
  • Certificates that promise coverage that isn't there
  • A single package to the broker
Broker-portable

Your broker places it. You own the record.

Brokers still place and service the program. What changes is the information asymmetry: the record is the client's, and the broker is invited into it — the inverse of a broker portal.

01
The client owns the account

The broker is an invited seat — revocable in one click, never white-labeled, and never able to see a client it doesn't service.

02
Broker of record is a field with history

Switching is revoke a seat, invite another. The new broker gets the complete record on day one, and the BOR letter is drafted for you.

03
Exports are standard

Schedules of insurance, statements of values, vehicle and payroll schedules with ACORD field names — never a broker's template.

04
Service is measured

Every request, every reply and every turnaround is logged and visible. Nothing is gathered twice.

05
Commission is visible

Premium, commission percent, commission dollars and fees on every policy — and anything paid that isn't disclosed.

06
The quote comparison is yours

Renewal or competing quote, side by side with the program you have. Independent of whichever broker produced it.

For brokers: an invited seat, clean requests with the source data attached, and a client who never sends the same spreadsheet twice.

For sponsors

Every portfolio company, one page.

Premium, broker, next renewal, what needs attention and acquisitions still inside automatic coverage for every company — then premium by carrier, line and broker across the portfolio. Open any company's record, read-only. Each company owns its record; the sponsor seat reads it and can't open the files.

Trust

Nothing says “compliant” unless a person said it.

Every number has a source and a date

Payroll, fleet and the books carry the system and timestamp they came from. Policy terms link to the dec page. Contract terms link to the clause.

Judgment calls stay with people

Deterministic matches are auto-checked. Additional-insured scope, follow-form excess and proprietary forms wait for a named person to mark them.

Row-level security by company and role

Client, broker and sponsor seats are enforced in the database, not just the interface. A broker sees the requests sent to them, the schedules view-only and the policies they placed — nothing else.

Extraction you can check

Leases, dec pages and loss runs are read with a confidence on every value. Anything uncertain is flagged for review, never silently accepted.

How it starts

From a folder of PDFs to the live record.

  1. Bring in the business

    Payroll by class, fleet, locations and revenue from the exports you already have.

  2. Upload the program

    Dec pages, endorsements, leases, certificates and loss runs. Every extracted value carries a confidence.

  3. Invite your broker

    As a seat in your record — scoped to requests and what you share.

  4. Work the items

    Report or hold each one. The record re-checks itself as the business moves.

Own the record.

See every difference between what your business is and what your policy says — with the source of every number — and send the broker one request instead of fifty emails.

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