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For UK insurance brokers and protection advisers

The admin side of broking, done in a fraction of the time.

Two products, one idea: the admin is written for you, so your day goes on clients. bflow Business turns the email thread, the renewal report or the call you just took into the note, email or letter you need next. bflow Protection keeps your client book, bookings and check-ins in one place, with every message to your clients ready to send.

Invite-only. There is no public sign-up: every account is created for a firm by the bflow team. In bflow Business, the emails and documents you paste or upload are not stored.

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Which bflow?

Access is by invitation. Accounts are created by the bflow team for each firm.

Two products, one bflow

Built for the work you actually do.

bflow Business

For commercial insurance brokers

InboxAviva UnderwritingQuote ref 4481709:41Sarah KhanRE: Renewal terms09:12Credit ControlPayments this week08:55Operations TeamTeam meeting MondayFriNBS UnderwritingAppetite updateThuBUSINESS · BROKER WORKSPACEHomeHomeEmail / File NoteEmail / File NoteDraft EmailFollow-UpClient SMSGood morningEmail / File NoteEmail or contextFrom: Sarah KhanSent: 10 October 2026 09:12Subject: RE: Renewal termsThe email has a PDF attached.Renewal report.pdfAttach itNot this timeRenewal report.pdfGenerateSarah KhanRE: Renewal terms
  • Drop in an email, a renewal report or a schedule and get the file note, client email or letter it calls for.
  • Renewal introductions and offers, final stages, follow-ups and texts to clients, in your voice.
  • Drag an email straight out of Outlook and the right workflow opens with it in.
See what bflow Business does →

bflow Protection

For protection advisers

Protection · Broker WorkspaceCalendarPre-checkOctober 2026Mon 12Tue 13Wed 14Thu 15Fri 1609:0010:0011:0012:0013:0014:00New clientTom ReidCallAisha KhanNew clientBen WardReviewEmma ClarkeComing upBook a callWho withFirst name · SurnameEmEmmaEmma ClaEmma ClarkeWhatNew clientReviewReviewCallHowPhonePhoneTeamsIn personWhenThu 15 Oct 202610:00Book itBooked · Emma ClarkeReview · Thursday 15 October at 10:00 · Phone. Send Emma the details:Hi Emma, it's Hannah. Just confirming our reviewon Thursday 15 October at 10:00, and I'll ring youon this number.If anything changes, just let me know.CopyNot nowEmailWhatsAppEmma ClarkeonlineTODAYHi Emma, it's Hannah. Justconfirming our review onThursday 15 October at 10:00,and I'll ring you on this number.If anything changes, just letme know.✓✓
  • Book a call or a review and the confirmation is ready to send by WhatsApp or email.
  • Check-ins after cover starts, written for you and due on the right day.
  • Your client book, applications and commission owed, live from your own spreadsheet.
See what bflow Protection does →

bflow Business · What it does

Workflows for every need. One habit: pick, paste, check, send.

Each one is built around a task brokers do every day, and asks only for what that task needs. Here are two of those tasks, done both ways.

The expiring schedule is on file. The client needs their renewal introduction.

By hand, from a template

00:00

Good afternoon [CLIENT NAME],
Your Commercial Combined renewal, policy [POLICY NUMBER], is due on [RENEWAL DATE].
The cover currently in place: [COVER SUMMARY]. Excess: [EXCESS].
Could you confirm the above is still correct ahead of renewal?
Best regards,
Opening the renewal template

With bflow

00:00

Drop the renewal schedule here
Drop the schedule in

Illustrative timings, both clocks running at the same speed. The real figures depend on the schedule and the broker. The shape is the point: bflow reads the document, the broker checks the draft.

The ones people reach for most

  • 01

    Email / File Note

    Paste an email or a live chat and get the one-line file note for Acturis.

  • 02

    Draft Email

    A reply, a forward or a brand-new email from rough notes, in the right tone for who it's going to.

  • 03

    Renewal Introduction

    Drop in the expiring schedule and the renewal introduction is written, covers and figures included.

  • 04

    Renewal Offer

    The renewal report becomes the client's offer email, with your own template if you have one.

  • 05

    Client ↔ Underwriter

    Relay one side of a client and underwriter exchange to the other, facts kept, jargon handled.

  • 06

    Final Stages

    Invoice, receipt, policy documents, cancellation and lapse emails, each with its file note.

  • 07

    Email Follow-Up

    Chasers from a gentle nudge to a final reminder, written from the thread you paste in.

  • 08

    Client SMS

    The short text that gets a quiet renewal email opened, counted to the segment.

Plus Quotation Email, Market Presentation, Mid-Term Adjustment, Phone Note and Email to Letter.

How it works

  1. 1

    Pick the workflow

    Say what you need and who it's for. Each workflow asks only for what it actually uses.

  2. 2

    Paste what you've got, or drop it in

    An email, a whole thread, the renewal report PDF, the call you just took — dictated if you like.

  3. 3

    Check it and send

    Read the draft, change what you want, then Copy formatted email, Open in Outlook, or Send by post on your letterhead.

Every draft follows what you gave it. bflow never invents a premium, a date, a cover limit or an insurer's position. If it isn't in what you pasted, it isn't in the email.

bflow Protection · What it does

Every booking confirmed. Every check-in sent.

The admin around every protection case, in one place: the messages to your clients written for you, what's due today in one list, and your book kept up to date as you go.

Protection · Broker WorkspaceCalendarPre-checkToday · 3 things to doTick each one off, or move it to another day10:00Emma Clarke · Review · PhoneDaniel Price · 9-day check-in · due todayWhatsAppEmailMoveDonePriya Shah · 9-week check-in · overdueWhatsAppEmailMoveDone9-day check-in · Daniel PriceTo 07700 900123. Edit the message if you like.Hi Daniel, it's Hannah. Just checking in now your cover'sup and running. Have your policy documents come through,and have you managed to log in to your online portal? Anyquestions at all, just let me know.Here's my Trustpilot link. I'd really appreciate a shortmessage of feedback on my service…Add my Trustpilot link, asks Daniel for a short reviewUse this wording for every 9-day check-inCancelWhatsAppDaniel PriceonlineTODAYHi Daniel, it's Hannah. Justchecking in now your cover's upand running. Have your policydocuments come through, and haveyou managed to log in to youronline portal? Any questions atall, just let me know.Here's my Trustpilot link. I'dreally appreciate a short messageof feedback on my service…✓✓
  • Booking confirmations, written for you

    Book a call, review or meeting by phone, Teams or in person, and the confirmation is ready to send by WhatsApp or email.

  • Check-ins that keep clients close

    Follow-ups at the right moments after cover starts, in your own voice, with your review link added when you want it.

  • Today, in one list

    Every booking and every check-in due, each one a tap from WhatsApp, moved to another day or ticked off.

  • Pre-sale underwriting check

    Conditions, family history, BMI and the amount of cover checked against eight insurers' guides, with the medical evidence each would ask for.

  • Your client book, live

    Clients, products, application progress and commission owed, read from your own spreadsheet and written straight back.

bflow has massively improved my productivity and alleviated the pressure of case admin. I can now easily store and access client contact information, product details and the progress of applications and whether or not I have received the owed commission. The pre-sale underwriting tool saves so much time and gives an early indication on where best to place clients and whether applications will be successful. The ‘check in’ reminder feature also enables me to contact clients within required timeframes, request feedback and maintain client relationships.
Rebecca, protection adviser

From our bflow Business pilot survey

What brokers say

90%
say bflow saves them an hour or more in a typical week
9/10
average score brokers give their experience with bflow
90%
would recommend bflow to the wider team

Quote of the day

“The future doesn't wait for those who refuse to evolve.”

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