For brokerages in Europe and globally
AI for brokers placing mid-market
and corporate insurance programs
Creates submission from current policy, and compares quotes against what you asked for. Every answer cited to the exact clause.
For brokerages in Europe and globally
AI for brokers placing mid-market
and corporate insurance programs
Creates submission from current policy, and compares quotes against what you asked for. Every answer cited to the exact clause.
For brokerages in Europe and globally
AI for brokers placing mid-market
and corporate insurance programs
Creates submission from current policy, and compares quotes against what you asked for. Every answer cited to the exact clause.
Trusted by
As seen in
Client data processed and stored within the EU
Compliant with GDPR and DORA
Built in Stockholm
Built in Stockholm
The requirements in this area are highly complex, and Vantel’s solution matches our needs and expectations very precisely – without us having to develop a specialised system of our own.
Lukas Ganzel
Head of Digital Business, Funk Gruppe
Germany’s largest owner-managed insurance broker, founded in Berlin in 1879.
“
The requirements in this area are highly complex, and Vantel’s solution matches our needs and expectations very precisely – without us having to develop a specialised system of our own.
Lukas Ganzel
Head of Digital Business, Funk Gruppe
Germany’s largest owner-managed insurance broker, founded in Berlin in 1879.
“
Djup0 m
59°20′05.4″ N 18°03′37.3″ E · Stockholm
Above the surface
Above the surface
Premiums, limits and deductibles are just the tip of the iceberg.
Premiums, limits and deductibles are just the tip of the iceberg.
Premiums, limits and deductibles are just the tip of the iceberg.
The full insurance contract goes much deeper, and it is what actually matters when a claim comes in.
The full insurance contract goes much deeper, and it is what actually matters when a claim comes in.
The full insurance contract goes much deeper, and it is what actually matters when a claim comes in.
Below it
Most of what matters sits below the waterline.
Most of what matters sits below the waterline.
Most of what matters sits below the waterline.
Definitions, exclusions and conditions: dense legal text determining how your client is covered. Every insurer writes them differently, and the differences are what decide the claim.
Definitions, exclusions and conditions: dense legal text determining how your client is covered. Every insurer writes them differently, and the differences are what decide the claim.
Definitions, exclusions and conditions: dense legal text determining how your client is covered. Every insurer writes them differently, and the differences are what decide the claim.
Vantel reads all of it
Vantel reads every page, so you can stand behind every recommendation.
Vantel reads every page, so you can stand behind every recommendation.
Vantel reads every page, so you can stand behind every recommendation.
Quotes, wordings, and endorsements, checked against what you asked the market for. Hours of manual comparison turn into minutes.
Quotes, wordings, and endorsements, checked against what you asked the market for. Hours of manual comparison turn into minutes.
Quotes, wordings, and endorsements, checked against what you asked the market for. Hours of manual comparison turn into minutes.
Every page read, in any language, scans included
Every answer source-referenced to the exact clause
Flags when the documents don’t say something
See beneath the surface of your policies
The problem
Renewal, new business or tender: every step is a document.
A renewal quote that came back too high. A prospect’s full insurance programme. A client who wants you to go to market every three years. However a placement starts, most of it is reading, copying and retyping by hand, document after document.
However it starts
New business
A prospect
Can you beat what we have today?
Tender
A client
Please go to market for the same cover
Renewal
An insurer
Renewal terms attached: premium +18%
1
Expiring policy
Read 16 pages to find out what the client actually has.
16 pages
2
Cover to request
Retype the limits, deductibles, and extensions into a list of asks.
Checklist
3
Out to market
Write the submission in the firm’s template, without naming the incumbent.
Submission
4
Quotes back
Five replies, seven documents, three formats.
7 documents
5
Analysis
Key them in side by side, then read the wordings behind the figures.
Spreadsheet
6
Recommendation
Explain all of it to a client who wants one answer.
Six jobs. Every one of them a document.
The problem
Then five quotes come back, and none of them look alike.
Offers, wordings, endorsements, some of them scanned: 500 pages to read against what you asked for. The exclusion that decides the claim is on page 62 of one of them.
Lakeshore_Quote_Brenner_2027.pdf
Page
9
8
7
5
4
3
2
1
of
20
Lakeshore
Liability quotation
Liability quotation
Page
1
Lakeshore
Liability quotation
Contents
Page
2
Lakeshore
Liability quotation
1 Definitions
1.1
1.2
1.3
1.4
Page
3
Lakeshore
Liability quotation
1 Definitions, continued
1.1
1.2
1.3
1.4
Page
4
Lakeshore
Liability quotation
2 Cover
2.1
2.2
2.3
2.4
Page
5
Lakeshore
Liability quotation
2 Cover, continued
2.1
2.2
2.3
2.4
Page
6
Lakeshore
Liability quotation
3 Limits and sub-limits
3.1
3.2
3.3
3.4
Page
7
Lakeshore
Liability quotation
5 Extensions
5.1
5.2
5.3
5.4
Page
8
Lakeshore
Liability quotation
6 Territorial limits
6.1
6.2
This insurance does not apply to Products supplied to, or for use in,
the United States of America or Canada
.
6.3
6.4
Page
9
Lakeshore
Liability quotation
7 Conditions
7.1
7.2
7.3
7.4
Page
10
Lakeshore
Liability quotation
7 Conditions, continued
7.1
7.2
7.3
7.4
Page
11
Lakeshore
Liability quotation
8 Claims
8.1
8.2
8.3
8.4
Page
12
p.
9
Lakeshore carves out the USA and Canada.
USA/Canada products
Geneva
EUR 10m
Nordhaven
EUR 12m
Lakeshore
Excluded
Kestrel
EUR 5m
Halberg
EUR 10m
Section 6 · page 9
The problem
Renewal, new business or tender: every step is a document.
A renewal quote that came back too high. A prospect’s full insurance programme. A client who wants you to go to market every three years. However a placement starts, most of it is reading, copying and retyping by hand, document after document.
The problem
Then five quotes come back, and none of them look alike.
Offers, wordings, endorsements, some of them scanned: 500 pages to read against what you asked for. The exclusion that decides the claim is on page 62 of one of them.
Scroll to read it
However it starts
New business
A prospect
Can you beat what we have today?
Tender
A client
Please go to market for the same cover
Renewal
An insurer
Renewal terms attached: premium +18%
1
Expiring policy
Read 16 pages to find out what the client actually has.
16 pages
2
Cover to request
Retype the limits, deductibles, and extensions into a list of asks.
Checklist
3
Out to market
Write the submission in the firm’s template, without naming the incumbent.
Submission
4
Quotes back
Five replies, seven documents, three formats.
7 documents
5
Analysis
Key them in side by side, then read the wordings behind the figures.
Spreadsheet
6
Recommendation
Explain all of it to a client who wants one answer.
Six jobs. Every one of them a document.
Lakeshore_Quote_Brenner_2027.pdf
Page
9
8
7
5
4
3
2
1
of
20
Lakeshore
Liability quotation
Liability quotation
Page
1
Lakeshore
Liability quotation
Contents
Page
2
Lakeshore
Liability quotation
1 Definitions
1.1
1.2
1.3
1.4
Page
3
Lakeshore
Liability quotation
1 Definitions, continued
1.1
1.2
1.3
1.4
Page
4
Lakeshore
Liability quotation
2 Cover
2.1
2.2
2.3
2.4
Page
5
Lakeshore
Liability quotation
2 Cover, continued
2.1
2.2
2.3
2.4
Page
6
Lakeshore
Liability quotation
3 Limits and sub-limits
3.1
3.2
3.3
3.4
Page
7
Lakeshore
Liability quotation
5 Extensions
5.1
5.2
5.3
5.4
Page
8
Lakeshore
Liability quotation
6 Territorial limits
6.1
6.2
This insurance does not apply to Products supplied to, or for use in,
the United States of America or Canada
.
6.3
6.4
Page
9
Lakeshore
Liability quotation
7 Conditions
7.1
7.2
7.3
7.4
Page
10
Lakeshore
Liability quotation
7 Conditions, continued
7.1
7.2
7.3
7.4
Page
11
Lakeshore
Liability quotation
8 Claims
8.1
8.2
8.3
8.4
Page
12
p.
9
Lakeshore carves out the USA and Canada.
USA/Canada products
Geneva
EUR 10m
Nordhaven
EUR 12m
Lakeshore
Excluded
Kestrel
EUR 5m
Halberg
EUR 10m
Section 6 · page 9
01
The same cover, typed three times
Policy to request, request to spreadsheet, spreadsheet to recommendation.
02
Hours in spreadsheets
Limits and deductibles copied by hand, one PDF at a time.
03
Gaps found too late
The exclusion nobody spotted until the claim.
04
Everyone does it differently
Quality depends on who happened to place it.
While our people are and will remain at the heart of every client relationship, AI-powered tools help us increase the speed with which we serve our clients.
Daniel Kohout
Head of Operations, RENOMIA
A leading commercial brokerage, managing over €1B in premium.
“
While our people are and will remain at the heart of every client relationship, AI-powered tools help us increase the speed with which we serve our clients.
Daniel Kohout
Head of Operations, RENOMIA
A leading commercial brokerage, managing over €1B in premium.
“
Vantel takes the document work out of every step, from the expiring policy via submission and recommendation all the way to the new policy, showing its work along the way.
Vantel takes the document work out of every step, from the expiring policy via submission and recommendation all the way to the new policy, showing its work along the way.
Vantel takes the document work out of every step, from the expiring policy via submission and recommendation all the way to the new policy, showing its work along the way.
How it works
From the first document to a recommendation you can defend.
Shown on one placement, a German manufacturer’s liability renewal that went to tender. New business, a prospect, or a tender runs the same stages. One requirement set runs through them: what you ask the market for is what every quote is answered against. Start at the beginning, or start where you are.
01
Start from what you have
Expiring policy
Drop in the policy that is running out, the client’s brief, or last year’s RFQ. Vantel reads whatever sets the terms: who is insured, which lines, and what limits and deductibles. No policy at all? Start from the quotes.
Policy, brief, or RFQ
Reads the whole programme
Or start from the quotes
02
Decide the cover to request
03
Generate the RFQ, in your name
04
Add the quotes as they arrive
05
Compare, and check the source
06
Send a recommendation they can sign off
Placement
Sample
Programme read
Reading the policy
1
Expiring policy
2
Cover to request
3
Out to market
4
Quotes back
5
Analysis
Add documents
Brenner_Liability_Policy_2026.pdf
16 pages
Processing…
Queued…
Uploading…
Last year’s RFQ goes here too, if you have it.
The programme
Insured
Brenner Industrietechnik GmbH
Period
1 January 2026 to 31 December 2026
Lines
General liability
Products liability
Product recall
Environmental liability
Limits
EUR 25m any one occurrence, EUR 50m annual aggregate
Cover
9 sub-limits, 6 deductibles, cyber exclusion with limited write-back
Territories
Worldwide, including the USA and Canada, with 7 local policies
Vantel reads the programme out of it and drafts what to ask the market for.
Placement
Sample
14
requirements,
10
firm asks
Drafting from the policy
Expiring policy
2
Cover to request
3
Out to market
4
Quotes back
5
Analysis
Cover to request
General and products liability
Limit per occurrence
EUR 25m
Kept
From the policy
Annual aggregate
EUR 50m
Kept
From the policy
USA/Canada products
EUR 10m
Kept
From the policy
Product recall
EUR 5m
EUR 4m
Raised
From the policy
Environmental damage
EUR 5m
Kept
From the policy
Defence costs
Outside the limit
No value yet
Kept
Your call
Cyber write-back
Software malfunction
Kept
From the policy
Local policies
7 territories
Kept
From the policy
Keep what matters for this client, raise what you want more of, drop the rest.
Outstanding before this goes to market
Your decisions
Nothing left to decide
Defence costs
Requested as a firm requirement but carries no value to be met
Still to obtain
Loss run
Carrier-issued loss history, normally three to five years
Loss run
Carrier-issued loss history, normally three to five years
Normally rated on
Turnover split by activity and by territory
Whether any turnover derives from the USA or Canada
You can still generate the RFQ. Nothing here is filled in for you.
Placement
Sample
RFQ written
Writing the request
Ready for market
Expiring policy
Cover to request
3
Out to market
4
Quotes back
5
Analysis
Next step
Take it to market
14
requirements are ready. Vantel writes the submission with your firm’s own
logo, colours, and typefaces.
Generate RFQ
Writing the request
Reading the requirements and the policy behind them.
Terms of quotation
Quotations to reach us by
2 December 2026
Period from
1 January 2027
Period to
31 December 2027
Quotation binding until
18 December 2026
Dates proposed from the period on
Brenner_Liability_Policy_2026.pdf
. Change any of them.
This takes a minute or two
Request for Quotation
Download it, or correct the details and write it again.
Correct the details
Downloaded
Download
Waiting for underwriters still takes time.
Vantel can’t help with this part.
Placement
Sample
RFQ written
Expiring policy
Cover to request
3
Out to market
4
Quotes back
5
Analysis
Next step
Take it to market
14
requirements are ready. Vantel writes the submission with your firm’s own
logo, colours, and typefaces.
Generate RFQ
Request for Quotation
Download it, or correct the details and write it again.
Correct the details
Downloaded
Waiting for underwriters still takes time.
Vantel can’t help with this part.
Placement
Sample
5
quotes in
4
3
2
1
0
of
5
quotes in
Expiring policy
Cover to request
Out to market
4
Quotes back
5
Analysis
Geneva
09:11
Terms
Ready
Processing…
Queued…
Uploading…
Read
Reading
Nordhaven
09:26
Offer
Ready
Processing…
Queued…
Uploading…
Wording
Ready
Processing…
Queued…
Uploading…
Read
Reading
Lakeshore
09:20
Quote
Ready
Processing…
Queued…
Uploading…
Read
Reading
Kestrel
09:02
Quote
Ready
Processing…
Queued…
Uploading…
Wording
Ready
Processing…
Queued…
Uploading…
Read
Reading
Halberg
09:23
Offer
Ready
Processing…
Queued…
Uploading…
Read
Reading
Read against the
14
requirements you sent.
Nothing is keyed in twice.
Placement
Sample
Nordhaven
meets
10
of
10
firm asks
Writing the request
Answering against the ask
Expiring policy
Cover to request
3
Out to market
4
Quotes back
5
Analysis
Next step
Take it to market
14
requirements are ready. Vantel writes the submission with your firm’s own
logo, colours, and typefaces.
Generate RFQ
Requirements
Geneva
14
Nordhaven
10
5
Lakeshore
8
7
Kestrel
5
9
Halberg
10
5
Premium
EUR 1.23m
EUR 1.06m
EUR 1.12m
EUR 0.98m
EUR 1.19m
Limit per occurrence
EUR 25m
EUR 25m
EUR 30m
EUR 25m
EUR 20m
EUR 25m
Annual aggregate
EUR 50m
EUR 50m
EUR 60m
EUR 25m
EUR 40m
EUR 50m
USA/Canada products
EUR 10m, defence inside
EUR 10m
EUR 12m
Excluded
EUR 5m
EUR 10m
Product recall
EUR 4m
EUR 4m
EUR 5m
EUR 2m
EUR 4m
EUR 4m
Defence costs
Outside the limit
Outside limit
Outside limit
Outside limit
Inside limit
Outside limit
Cyber write-back
Software malfunction
Included
Included
Excluded
Included
Included
Local policies
7 territories, DIC/DIL
7 of 7
7 of 7
5 of 7
3 of 7
6 of 7
Cyber write-back
Nordhaven Versicherung
Met
Included
Remote updates too
Explanation
Nordhaven keeps the cyber exclusion but writes back cover for injury and damage caused by the malfunction of control software or firmware in Brenner’s products. Unlike the expiring policy, it also applies after a remote update.
Sources (
2
)
Nordhaven_Bedingungen_2027.docx
p.
14
This exclusion does not apply to bodily injury or
property damage arising from the malfunction of
control software or firmware embedded in a Product
supplied by the Insured,
including where the
malfunction follows a remote update
.
Nordhaven_Angebot_Brenner.pdf
p.
3
Cyber exclusion with
write-back as per Endorsement
7
of the Nordhaven wording.
Edit answer
Was this helpful?
Placement
Sample
Exported
Drafting from the policy
Export
Expiring policy
2
Cover to request
3
Out to market
4
Quotes back
5
Analysis
Brenner_Quote_Comparison.xlsx
G
N
L
K
H
Premium
Limit per occurrence
Annual aggregate
USA/Canada products
Product recall
Defence costs
Cyber write-back
Local policies
Basic Overview
Broker View
Extensive View
Executive Summary
KV
Katharina Vogt
Brenner Industrietechnik GmbH
·
10:02
RE: Brenner Industrietechnik, liability renewal 2027: our recommendation
Frank, this is excellent.
This is exactly the comparison I hoped for: every market, every requirement, checked against the wording. Our CFO signed it off in ten minutes.
Let’s go with Nordhaven. Can we bind?
Basic Overview goes to the client.
Broker View and Extensive View stay on your file.
Cover to request
General and products liability
Limit per occurrence
EUR 25m
From the policy
Keep what matters for this client, raise what you want more of, drop the rest.
Outstanding before this goes to market
Your decisions
Defence costs
Requested as a firm requirement but carries no value to be met
Still to obtain
Loss run
Carrier-issued loss history, normally three to five years
Normally rated on
Turnover split by activity and by territory
Whether any turnover derives from the USA or Canada
You can still generate the RFQ. Nothing here is filled in for you.
Export to Excel
The workbook goes out under your firm’s name. Check the outputs before you send it.
I have checked the outputs and I am ready to export
Cancel
Acknowledge and export
01
01
Start from what you have
Expiring policy
Drop in the policy that is running out, the client’s brief, or last year’s RFQ. Vantel reads whatever sets the terms: who is insured, which lines, and what limits and deductibles. No policy at all? Start from the quotes.
Policy, brief, or RFQ
Policy, brief, or RFQ
Reads the whole programme
Reads the whole programme
Or start from the quotes
Or start from the quotes
Placement
Sample
Programme read
Reading the policy
1
Expiring policy
2
Cover to request
3
Out to market
4
Quotes back
5
Analysis
Add documents
Brenner_Liability_Policy_2026.pdf
16 pages
Processing…
Queued…
Uploading…
Last year’s RFQ goes here too, if you have it.
The programme
Insured
Brenner Industrietechnik GmbH
Period
1 January 2026 to 31 December 2026
Lines
General liability
Products liability
Product recall
Environmental liability
Limits
EUR 25m any one occurrence, EUR 50m annual aggregate
Cover
9 sub-limits, 6 deductibles, cyber exclusion with limited write-back
Territories
Worldwide, including the USA and Canada, with 7 local policies
Vantel reads the programme out of it and drafts what to ask the market for.
02
02
Decide the cover to request
Cover to request
Vantel drafts the requirements from the policy, or applies your firm’s own scorecard for that line of business. You decide what to keep, raise, or drop, and it lists what is still outstanding before this goes to market.
Drafted from the policy
Drafted from the policy
Your firm’s own scorecard
Your firm’s own scorecard
Outstanding items listed
Outstanding items listed
Placement
Sample
14
requirements,
10
firm asks
Drafting from the policy
Expiring policy
2
Cover to request
3
Out to market
4
Quotes back
5
Analysis
Cover to request
General and products liability
Limit per occurrence
EUR 25m
Kept
From the policy
Annual aggregate
EUR 50m
Kept
From the policy
USA/Canada products
EUR 10m
Kept
From the policy
Product recall
EUR 5m
EUR 4m
Raised
From the policy
Environmental damage
EUR 5m
Kept
From the policy
Defence costs
Outside the limit
No value yet
Kept
Your call
Cyber write-back
Software malfunction
Kept
From the policy
Local policies
7 territories
Kept
From the policy
Keep what matters for this client, raise what you want more of, drop the rest.
Outstanding before this goes to market
Your decisions
Nothing left to decide
Defence costs
Requested as a firm requirement but carries no value to be met
Still to obtain
Loss run
Carrier-issued loss history, normally three to five years
Loss run
Carrier-issued loss history, normally three to five years
Normally rated on
Turnover split by activity and by territory
Whether any turnover derives from the USA or Canada
You can still generate the RFQ. Nothing here is filled in for you.
03
03
Generate the RFQ, in your name
Out to market
One click writes the submission from the requirements and the policy behind them, as a PDF in your firm’s logo, colours, and typefaces. Read it, correct a detail, then send it to the markets you choose.
Written from the policy
Written from the policy
Your logo, colours, and typefaces
Your logo, colours, and typefaces
Download as PDF
Download as PDF
Placement
Sample
RFQ written
Writing the request
Ready for market
Expiring policy
Cover to request
3
Out to market
4
Quotes back
5
Analysis
Next step
Take it to market
14
requirements are ready. Vantel writes the submission with your firm’s own
logo, colours, and typefaces.
Generate RFQ
Writing the request
Reading the requirements and the policy behind them.
Terms of quotation
Quotations to reach us by
2 December 2026
Period from
1 January 2027
Period to
31 December 2027
Quotation binding until
18 December 2026
Dates proposed from the period on
Brenner_Liability_Policy_2026.pdf
. Change any of them.
This takes a minute or two
Request for Quotation
Download it, or correct the details and write it again.
Correct the details
Downloaded
Download
Waiting for underwriters still takes time.
Vantel can’t help with this part.
04
04
Add the quotes as they arrive
Quotes back
Put each insurer’s response on the placement: an offer, a wording, an email. Each is read against the same requirements you sent, so nothing is keyed in twice.
Offers, wordings, emails
Offers, wordings, emails
Read against your requirements
Read against your requirements
One column per insurer
One column per insurer
Placement
Sample
RFQ written
Expiring policy
Cover to request
3
Out to market
4
Quotes back
5
Analysis
Next step
Take it to market
14
requirements are ready. Vantel writes the submission with your firm’s own
logo, colours, and typefaces.
Generate RFQ
Request for Quotation
Download it, or correct the details and write it again.
Correct the details
Downloaded
Waiting for underwriters still takes time.
Vantel can’t help with this part.
Placement
Sample
5
quotes in
4
3
2
1
0
of
5
quotes in
Expiring policy
Cover to request
Out to market
4
Quotes back
5
Analysis
Geneva
09:11
Terms
Ready
Processing…
Queued…
Uploading…
Read
Reading
Nordhaven
09:26
Offer
Ready
Processing…
Queued…
Uploading…
Wording
Ready
Processing…
Queued…
Uploading…
Read
Reading
Lakeshore
09:20
Quote
Ready
Processing…
Queued…
Uploading…
Read
Reading
Kestrel
09:02
Quote
Ready
Processing…
Queued…
Uploading…
Wording
Ready
Processing…
Queued…
Uploading…
Read
Reading
Halberg
09:23
Offer
Ready
Processing…
Queued…
Uploading…
Read
Reading
Read against the
14
requirements you sent.
Nothing is keyed in twice.
05
05
Compare, and check the source
Analysis
Every insurer answered on every requirement, side by side, each with the page it came from. Open any answer next to its clause, correct what you read differently, and shortlist with one click.
Cited to the page
Cited to the page
Filter to what falls short
Filter to what falls short
Edit any answer
Edit any answer
Placement
Sample
Nordhaven
meets
10
of
10
firm asks
Writing the request
Answering against the ask
Expiring policy
Cover to request
3
Out to market
4
Quotes back
5
Analysis
Next step
Take it to market
14
requirements are ready. Vantel writes the submission with your firm’s own
logo, colours, and typefaces.
Generate RFQ
Requirements
Geneva
14
Nordhaven
10
5
Lakeshore
8
7
Kestrel
5
9
Halberg
10
5
Premium
EUR 1.23m
EUR 1.06m
EUR 1.12m
EUR 0.98m
EUR 1.19m
Limit per occurrence
EUR 25m
EUR 25m
EUR 30m
EUR 25m
EUR 20m
EUR 25m
Annual aggregate
EUR 50m
EUR 50m
EUR 60m
EUR 25m
EUR 40m
EUR 50m
USA/Canada products
EUR 10m, defence inside
EUR 10m
EUR 12m
Excluded
EUR 5m
EUR 10m
Product recall
EUR 4m
EUR 4m
EUR 5m
EUR 2m
EUR 4m
EUR 4m
Defence costs
Outside the limit
Outside limit
Outside limit
Outside limit
Inside limit
Outside limit
Cyber write-back
Software malfunction
Included
Included
Excluded
Included
Included
Local policies
7 territories, DIC/DIL
7 of 7
7 of 7
5 of 7
3 of 7
6 of 7
Cyber write-back
Nordhaven Versicherung
Met
Included
Remote updates too
Explanation
Nordhaven keeps the cyber exclusion but writes back cover for injury and damage caused by the malfunction of control software or firmware in Brenner’s products. Unlike the expiring policy, it also applies after a remote update.
Sources (
2
)
Nordhaven_Bedingungen_2027.docx
p.
14
This exclusion does not apply to bodily injury or
property damage arising from the malfunction of
control software or firmware embedded in a Product
supplied by the Insured,
including where the
malfunction follows a remote update
.
Nordhaven_Angebot_Brenner.pdf
p.
3
Cyber exclusion with
write-back as per Endorsement
7
of the Nordhaven wording.
Edit answer
Was this helpful?
06
06
Send a recommendation they can sign off
Recommendation
Export a clean workbook for the client and keep the full detail on your file, in the client’s language. Then it is their call, with every market, every requirement, and every source in front of them.
Basic Overview for the client
Basic Overview for the client
Broker View for your file
Broker View for your file
In the client’s language
In the client’s language
Placement
Sample
Exported
Drafting from the policy
Export
Expiring policy
2
Cover to request
3
Out to market
4
Quotes back
5
Analysis
Brenner_Quote_Comparison.xlsx
G
N
L
K
H
Premium
Limit per occurrence
Annual aggregate
USA/Canada products
Product recall
Defence costs
Cyber write-back
Local policies
Basic Overview
Broker View
Extensive View
Executive Summary
KV
Katharina Vogt
Brenner Industrietechnik GmbH
·
10:02
RE: Brenner Industrietechnik, liability renewal 2027: our recommendation
Frank, this is excellent.
This is exactly the comparison I hoped for: every market, every requirement, checked against the wording. Our CFO signed it off in ten minutes.
Let’s go with Nordhaven. Can we bind?
Basic Overview goes to the client.
Broker View and Extensive View stay on your file.
Cover to request
General and products liability
Limit per occurrence
EUR 25m
From the policy
Keep what matters for this client, raise what you want more of, drop the rest.
Outstanding before this goes to market
Your decisions
Defence costs
Requested as a firm requirement but carries no value to be met
Still to obtain
Loss run
Carrier-issued loss history, normally three to five years
Normally rated on
Turnover split by activity and by territory
Whether any turnover derives from the USA or Canada
You can still generate the RFQ. Nothing here is filled in for you.
Export to Excel
The workbook goes out under your firm’s name. Check the outputs before you send it.
I have checked the outputs and I am ready to export
Cancel
Acknowledge and export
With Vantel our people get one consistent comparison to put in front of the client, with the reference in the document behind every line, and the time goes back into advising instead of administration.
Florian Traussnig
Managing Director and CTO, KOBAN
One of Austria’s top three insurance brokers, independent since 1920.
“
With Vantel our people get one consistent comparison to put in front of the client, with the reference in the document behind every line, and the time goes back into advising instead of administration.
Florian Traussnig
Managing Director and CTO, KOBAN
One of Austria’s top three insurance brokers, independent since 1920.
“
You stay in control
AI that shows its working, so you can stand behind it.
A recommendation is only worth sending if you would put your name to it. So every answer is traceable, every doubt is flagged, and every correction is yours.
Not met
Excluded
Lakeshore · USA/Canada products
… this insurance does not apply to Products supplied to, or for use in,
the United States of
America or Canada
.
Lakeshore_Quote_Brenner_2027.pdf
p.9
Open at the clause
Cited to the page
Each answer quotes the passage with its document and page. Click it and the PDF opens at the clause, highlighted.
Not met
Excluded
Lakeshore · USA/Canada products
… this insurance does not apply to Products supplied to, or for use in,
the United States of
America or Canada
.
Lakeshore_Quote_Brenner_2027.pdf
p.9
Open at the clause
Cited to the page
Each answer quotes the passage with its document and page. Click it and the PDF opens at the clause, highlighted.
Data protection liability · Halberg Mutual Europe
Answer not found
Neither the quote nor the wording settles this point. Ask the underwriter.
Not covered
Silence is never read as an exclusion
Silence is not ‘not covered’
When the documents don’t settle a point, Vantel says so and tells you to ask the underwriter. It never presents silence as an exclusion.
Data protection liability · Halberg Mutual Europe
Answer not found
Neither the quote nor the wording settles this point. Ask the underwriter.
Not covered
Silence is never read as an exclusion
Silence is not ‘not covered’
When the documents don’t settle a point, Vantel says so and tells you to ask the underwriter. It never presents silence as an exclusion.
Aggregate deductible · Halberg Mutual Europe
EUR 1.2m
Read from the offer, p.4
EUR 900k
Manually edited
Marked in the grid
Carried into the export
Your call, always
Correct any answer, and read the RFQ before it goes anywhere. Corrections are marked in the grid and carried into the export, and nothing reaches your client until you export it.
Aggregate deductible · Halberg Mutual Europe
EUR 1.2m
Read from the offer, p.4
EUR 900k
Manually edited
Marked in the grid
Carried into the export
Your call, always
Correct any answer, and read the RFQ before it goes anywhere. Corrections are marked in the grid and carried into the export, and nothing reaches your client until you export it.
History
Read-only
You corrected an answer
Aggregate deductible · today
Nordhaven wording added
Review re-run · yesterday
Review created
Five insurers · last week
A trail you can show
Every run, correction, and document change is logged. Open the review as it stood on any day, when a client or compliance asks why an insurer was recommended.
History
Read-only
You corrected an answer
Aggregate deductible · today
Nordhaven wording added
Review re-run · yesterday
Review created
Five insurers · last week
A trail you can show
Every run, correction, and document change is logged. Open the review as it stood on any day, when a client or compliance asks why an insurer was recommended.
In conjunction with our independent review process, Vantel gives us the ability to surface these terms, with the clause behind each one. This allows our team to more efficiently verify our conclusions, so that any insurance deviations are discussed and resolved well before a transaction closes.
Anthony Retort
Partner and Co-Founder, STANCE
Part of Alliant Insurance Services, the world's sixth-largest insurance broker.
“
In conjunction with our independent review process, Vantel gives us the ability to surface these terms, with the clause behind each one. This allows our team to more efficiently verify our conclusions, so that any insurance deviations are discussed and resolved well before a transaction closes.
Anthony Retort
Partner and Co-Founder, STANCE
Part of Alliant Insurance Services, the world's sixth-largest insurance broker.
“
The payoff
Less time on paperwork. More time advising.
90%
less time reviewing quotes
Hours of manual comparison become minutes of clarity, without sacrificing accuracy.
90%
less time reviewing quotes
Hours of manual comparison become minutes of clarity, without sacrificing accuracy.
2–3
critical gaps caught in every tender
Exclusions and differences that hide in PDF-heavy workflows, found before your client sees the recommendation.
2–3
critical gaps caught in every tender
Exclusions and differences that hide in PDF-heavy workflows, found before your client sees the recommendation.
Tender documents and wording comparisons take a large share of our time every renewal season, and AI is changing how that work is done. Working with Vantel from an early stage means that we get to shape the change, rather than wait for it.
Linnéa Herfindal
Insurance Lawyer, Bolander & Co
One of Sweden’s leading property insurance brokers, founded in 1973.
“
Tender documents and wording comparisons take a large share of our time every renewal season, and AI is changing how that work is done. Working with Vantel from an early stage means that we get to shape the change, rather than wait for it.
Linnéa Herfindal
Insurance Lawyer, Bolander & Co
One of Sweden’s leading property insurance brokers, founded in 1973.
“
What would that be worth to your brokerage?
The starting figures are the ones in Vantel’s own value calculator. Set each to your numbers, as cautiously as you like.
Cost savings
€975,000Revenue growth
€75,000Value at scale
€1,050,000
Every year, with every one of your ~1,000 placements running through Vantel, plus a new-business uplift.
Illustrative, not a guarantee. It applies the assumptions above to your own numbers.
The platform
Built for the placement. Designed for the whole brokerage.
Vantel is AI for brokers placing mid-market and corporate risk, built in Stockholm: one workspace for the placing broker, the account manager, and the people who run the firm.
Placements
For placing brokers
Client overview
For account managers
Portfolio intelligence
For leaders
The whole placement, one next step at a time.
A placement opens where the work is: the documents it starts from, the cover to request, the RFQ, the quotes, and the analysis, with the step in hand named for you. Everything is read from the documents on the placement, so it is never out of date.
From the first document to the analysis in one view
The RFQ beside the requirements it came from
What is outstanding, listed before you go out
Placements
Sample
RFQ written
Expiring policy
Cover to request
Out to market
4
Quotes back
5
Analysis
Brenner Industrietechnik: liability renewal 2027
Next step
Add the quotes as they arrive
Put each carrier’s response on the placement. They are read against the same requirements you sent, so nothing has to be keyed in twice.
Add quotes
Request for Quotation
The submission is written from
14
requirements. Read it,
download it, or correct the requirements and write it again.
Review the requirements
Write it again
Open the RFQ
The risk
Insured
Brenner Industrietechnik GmbH
Lines of business
Liability
General liability
Products liability
Product recall
Environmental liability
What is being asked
Requirements
14
Of which firm asks
10
Requirement documents
1
From the market
Quotes received from
Nothing back yet
Client overview
Sample
9 documents filed
B
Brenner Industrietechnik GmbH
Policy file · 1 line of business
Liability 2027
Brenner_Tender.pdf
RFQ
Quotes, 7 documents
5 insurers
Liability 2026
Brenner_Liability_Policy_2026.pdf
Expiring policy
Recent placements
Liability renewal 2027
5 insurers
Ask a question
What is the deductible for general liability on the expiring policy?
Answer
EUR 75,000
each occurrence, damages
only.
Brenner_Liability_Policy_2026.pdf
p.6
Ask about this client
Portfolio
Sample
Sample data
Placements
148
Hours saved
1,240
Value delivered
€74,400
Hours saved each month
J
F
M
A
M
J
J
A
S
O
N
D
Firm scorecards
General liability
14
items
Firm standard
Cyber
15
items
Firm standard
Property
11
items
Firm standard
Placements
For placing brokers
Client overview
For account managers
Portfolio intelligence
For leaders
The whole placement, one next step at a time.
A placement opens where the work is: the documents it starts from, the cover to request, the RFQ, the quotes, and the analysis, with the step in hand named for you. Everything is read from the documents on the placement, so it is never out of date.
From the first document to the analysis in one view
The RFQ beside the requirements it came from
What is outstanding, listed before you go out
Placements
Sample
RFQ written
Expiring policy
Cover to request
Out to market
4
Quotes back
5
Analysis
Brenner Industrietechnik: liability renewal 2027
Next step
Add the quotes as they arrive
Put each carrier’s response on the placement. They are read against the same requirements you sent, so nothing has to be keyed in twice.
Add quotes
Request for Quotation
The submission is written from
14
requirements. Read it,
download it, or correct the requirements and write it again.
Review the requirements
Write it again
Open the RFQ
The risk
Insured
Brenner Industrietechnik GmbH
Lines of business
Liability
General liability
Products liability
Product recall
Environmental liability
What is being asked
Requirements
14
Of which firm asks
10
Requirement documents
1
From the market
Quotes received from
Nothing back yet
Client overview
Sample
9 documents filed
B
Brenner Industrietechnik GmbH
Policy file · 1 line of business
Liability 2027
Brenner_Tender.pdf
RFQ
Quotes, 7 documents
5 insurers
Liability 2026
Brenner_Liability_Policy_2026.pdf
Expiring policy
Recent placements
Liability renewal 2027
5 insurers
Ask a question
What is the deductible for general liability on the expiring policy?
Answer
EUR 75,000
each occurrence, damages
only.
Brenner_Liability_Policy_2026.pdf
p.6
Ask about this client
Portfolio
Sample
Sample data
Placements
148
Hours saved
1,240
Value delivered
€74,400
Hours saved each month
J
F
M
A
M
J
J
A
S
O
N
D
Firm scorecards
General liability
14
items
Firm standard
Cyber
15
items
Firm standard
Property
11
items
Firm standard
Every line you place
Whatever you place, Vantel reads it.
Property, liability, cyber, financial lines, engineering, marine, and everything in between. If it comes with a wording, Vantel reads it, in whatever language it is written.
Public liability
Products liability
Product recall
Employers’ liability
Environmental liability
Construction liability
Excess and umbrella
Medical malpractice
Clinical trials liability
Media liability
Legal expenses
Professional indemnity
Directors’ and officers’
Cyber
Tech PI and cyber
Crime
Employment practices
Kidnap and ransom
Credit and surety
Property
Business interruption
Nat cat
Terrorism
Political violence
Construction all risks
Erection all risks
Contractors’ plant
Machinery breakdown
Commercial motor
Fleet
Marine cargo
Marine hull
Goods in transit
Freight forwarders’ liability
Aviation
Energy
Group life
English
Deutsch
Français
Italiano
Español
Português
Nederlands
Svenska
Dansk
Norsk
Suomi
Polski
Čeština
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Magyar
Română
Ελληνικά
Български
Hrvatski
Slovenščina
Eesti
Latviešu
Lietuvių
Українська
Türkçe
Every
line
Property, liability, cyber, financial lines, engineering, marine, and the rest.
Every
wording
Whatever the insurer sends, however it arrives.
Every
language
Read a wording in any language. Answer your client in theirs.
More customer stories
Brazil
An independent São Paulo broker for industrial, mining, and technology companies.
With Vantel we can compare quotes, wordings and endorsements at speed, and show clients exactly where the gaps are so we can close them before they bite.
Marcelo Blanquier
Founder and Executive Director, AOMX
Sweden
An owner-led Malmö brokerage, placing mid-market and upper mid-market risk.
We are a boutique team competing for the same clients as firms many times our size. Vantel gives us that depth of analysis on a placement without adding headcount, and it is our clients who get the benefit.
Martin Hammer
Partner, Falk & Partners
A European company
Your clients’ documents stay in Europe.
Vantel is built in Stockholm for brokers who answer to European clients. Your documents are stored and processed in the EU, a GDPR data processing agreement comes with every contract, and nothing you upload ever trains AI.
EU data residency
EU data residency
GDPR
GDPR
Encrypted throughout
Encrypted throughout
DORA
DORA
The route a document takes
EU
US
Your browser
Where you drop a document in.
Protected on the way in
Encrypted from your screen to your workspace.
Your private workspace
Stored and read in the EU. Locked to your firm.
AI that reads, not learns
Runs in the EU and never trains on your documents.
Never used to train AI
Stays in the EU
Stays in the EU
Stored and processed in the EU for European firms. US firms can choose a US region.
GDPR, in the contract
GDPR, in the contract
A data processing agreement comes with every contract, and you hear about any new supplier before it touches your data.
Never trains AI
Never trains AI
Nothing you upload is used to train or fine-tune AI models, Vantel’s or anyone else’s.
A private workspace
A private workspace
Your firm has its own workspace, locked to your firm. Your settings decide which colleagues see which reviews.
Access you control
Access you control
Roles, ownership of every review, and single sign-on. Nothing is shared by default.
Yours to take with you
Yours to take with you
Your data stays yours. What happens to it when you leave is set out in your contract.
Questions brokers ask
Answers on control, accuracy, and data.
Does Vantel replace my judgement?
Do I have to use all of it?
Does Vantel send the RFQ to insurers?
Will the RFQ tell the market who the incumbent is?
How do I know an answer is right?
What can I upload?
Which lines of business does it cover?
Does it work in our language?
Is Vantel GDPR compliant?
Where is our data, and who can see it?
Do we need to integrate it with our systems?
How do we get started?
Book a demo
Bring a live placement. Follow it to the recommendation.
See how Vantel fits your workflows, security requirements, and book of business in a live session with our team. Bring a renewal, a prospect, or a tender and we will start from it.
Pick a time on the next screen.
Nothing to install
Your data stays in the EU
GDPR agreement included
While our people are and will remain at the heart of every client relationship, AI-powered tools help us increase the speed with which we serve our clients.
Daniel Kohout,
Head of Operations
Book a demo
Bring a live placement. Follow it to the recommendation.
See how Vantel fits your workflows, security requirements, and book of business in a live session with our team. Bring a renewal, a prospect, or a tender and we will start from it.
Pick a time on the next screen.
Nothing to install
Your data stays in the EU
GDPR agreement included
While our people are and will remain at the heart of every client relationship, AI-powered tools help us increase the speed with which we serve our clients.
Daniel Kohout,
Head of Operations
Book a demo
Bring a live placement. Follow it to the recommendation.
See how Vantel fits your workflows, security requirements, and book of business in a live session with our team. Bring a renewal, a prospect, or a tender and we will start from it.
Pick a time on the next screen.
Nothing to install
Your data stays in the EU
GDPR agreement included
While our people are and will remain at the heart of every client relationship, AI-powered tools help us increase the speed with which we serve our clients.
Daniel Kohout,
Head of Operations
59°20′05.4″ N 18°03′37.3″ E
© 2026 Vantel AB, Stockholm. All rights reserved.
59°20′05.4″ N 18°03′37.3″ E
© 2026 Vantel AB, Stockholm. All rights reserved.
59°20′05.4″ N 18°03′37.3″ E
© 2026 Vantel AB, Stockholm. All rights reserved.
