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Flagship ERP Platform

The Unified B2B InsurTech ERP Platform

A fully integrated, multi-tenant operating system purpose-built for Carriers, MGAs/MGUAs, and Nationwide Broker Syndicates — unifying submissions, ledger accounting, commission distribution, premium financing, and Gemini AI underwriting into a single secure platform.

  • ✓ Automated submission-to-bind workflows with IVANS & ACORD carrier sync
  • ✓ Multi-line invoice ledger, TranzPay PCI gateway, and e-signature premium finance
  • ✓ Dynamic commission splits engine with 1099-NEC auto-compilation
  • ✓ Gemini AI document intelligence — auto-bind class-code risks in seconds
Request Early Access Schedule a Platform Demo

54+

Dev Milestones

4

Core ERP Modules

99.9%

Target SLA Uptime

AES-256

Encryption Standard

Voiie ERP — System Status ALL SYSTEMS LIVE
  • Multi-Tenant Auth (MFA + RBAC) ● LIVE
  • Submission & Syndicate Bridge ● LIVE
  • TranzPay PCI Gateway (ACH + Credit) ● LIVE
  • Gemini AI Underwriting Engine ● LIVE
  • QuickBooks QBO & IIF Ledger Sync ● LIVE

NYDFS Part 500  ·  AES-256  ·  Multi-Tenant VPC  ·  PCI-DSS

Built Exclusively For: 🏢 Enterprise Carriers 🔥 MGAs & MGUAs 🌐 Wholesale Brokers 👤 Retail Agent Syndicates ⚡ InsurTech Startups
Module 01

Submission Flow & Syndicate Network

A fully automated wholesale-retail syndicate bridge — from initial triage to program binding — with white-labeled sub-agent portals and IVANS carrier download integration.

🔗

Wholesale–Retail Syndicate Bridges

Direct broker-to-wholesaler rating, submission queuing, and program binding authorization pipelines — all operating within configurable binding authority thresholds and risk appetite rules.

🖥️

White-Labeled Sub-Agent Portals

Custom-domain branded agent portals featuring renewal summary dashboards, client billing invoice viewports, and direct COI generation — each fully isolated per tenant identity.

📡

Bidirectional IVANS & ACORD Poller

Automated AL3/ACORD carrier download parsers that update client records, renewal statuses, policy modifications, and billing transactions in real time from any connected carrier data stream.

📋

Submission Triage & Appetite Matching

Incoming new business submissions are automatically scored against class code risk appetite grids, flagged for mandatory endorsements, and routed to the correct underwriting queue or program.

📄

Digital Binder & Certificate Engine

Instant ACORD-compliant Certificate of Insurance (COI) generators, digital binder issuance, and PDF policy delivery pipelines tied directly to live AMS ledger records.

🔄

Renewal & Endorsement Automation

Automated renewal notification workflows — 90, 60, and 30 days out — with inline endorsement processing, premium adjustment recalculations, and retroactive effective date handling.

Module 02

Ledger Accounting & Premium Finance

Multi-line B2B invoice generation with automatic ledger allocation, integrated TranzPay PCI gateway, and e-signature premium finance contracts — all in one unified accounting core.

🏦

Multi-Line Invoice & Ledger Engine

  • ✓ Automatic B2B invoice generation across multi-line policy accounts with surplus lines tax breakdown
  • ✓ Real-time ledger allocation routing premiums to carrier, MGA, and retail agent commission buckets
  • ✓ QuickBooks QBO API & IIF export syncing for automated general ledger reconciliation
  • ✓ Direct-bill vs. agency-bill split automation per policy type and carrier agreement
💳

TranzPay Gateway & Premium Finance

  • ✓ PCI-compliant credit card tokenization and ACH direct-draft collections via TranzPay integration
  • ✓ Integrated premium finance contracts (Promissory Notes) with legal e-signature pipeline (DocuSign/EchoSign)
  • ✓ Automated PDF Promissory Note generation with installment schedules, interest disclosures, and cancellation notices
  • ✓ Daily overdue installment scans with automated cancellation triggers and reinstatement request queues
// ERP Ledger Allocation — Account #INS-00482 (Commercial GL, Class 9015)
Gross Written Premium:
$24,750.00
Carrier Net Premium:
$18,150.00
MGA Override (8%):
$1,980.00
Agent Commission (12%):
$2,970.00
Surplus Lines Tax (CA):
$618.75
Ledger Status:
AUTO-POSTED ✓
Module 03

Commission Splits & Distribution Engine

A dynamic rules-based commission schedules engine managing multi-tiered agent splits, chargeback protection, producer payouts, and automated 1099-NEC tax compilation.

⚖️

Dynamic Commission Rules Engine

Configure tiered commission schedules per carrier agreement, program, class code, and policy type. The engine automatically calculates and enforces split ratios down to the sub-producer level.

🛡️

Chargeback & Clawback Protection

Automated midterm cancellation chargeback calculations with pro-rata and short-rate options. Producer balances are adjusted in real time against earned premium schedules.

💰

Producer Portal Payouts

Producer-facing payout dashboards displaying earned commissions, pending reconciliations, and monthly statement exports. Direct ACH payout disbursements triggered automatically on lock-cycle dates.

📊

Monthly Reconciliation Reports

Auto-generated carrier-level reconciliation logs comparing written premium, earned premium, and commission disbursements — ready for reinsurer treaty capacity validation.

📝

1099-NEC Tax Compilation

Year-end automated 1099-NEC form generation per licensed producer. Direct integration with IRS FIRE (Filing Information Returns Electronically) system for compliant tax filing workflows.

🔗

Multi-Agency Network Splits

Support for complex multi-agency broker network hierarchies — allowing a single policy to distribute commissions across retail agents, wholesale brokers, MGAs, and program administrators simultaneously.

Module 04

Workflow Automation & Gemini AI Engines

Enterprise-grade Gemini-powered AI scanning incoming submissions, declaration pages, and medical documents to auto-bind class-code risks — paired with a dynamic workflow DSL engine.

🧠

Gemini AI Document Intelligence

Powered by Google Gemini Pro Vision & Flash

  • ▸ Auto-scan incoming declaration pages, loss histories, and medical records to extract structured underwriting data fields
  • ▸ Intelligent class-code assignment for Workers Comp, Commercial GL, and BOP submissions using trained risk models
  • ▸ OCR loss run analysis with predictive loss ratio scoring and auto-bind approval thresholds
  • ▸ Smart email classification — automatically routing carrier correspondence, billing disputes, and claims notices to the correct workflow queue
⚙️

Dynamic Workflow DSL Engine

No-code rule builder for operations teams

  • ▸ Visual workflow builder for routing approvals, underwriting referrals, and claims intake with drag-and-drop step logic
  • ▸ Shared inbox classification and round-robin lead assignment to licensed producers by territory or class code
  • ▸ Real-time widgetized KPI dashboards per agency — displaying bound premium, open submissions, loss ratios, and commission pipelines
  • ▸ Automated follow-up sequences for expiring quotes, outstanding signatures, and pending carrier approvals
// Gemini AI Underwriting Engine — Submission Analysis
$
voiie-ai analyze --input="DecPage_Acme_Corp.pdf" --line="Commercial-GL"
► Extracting entity fields from document...
► Named insured: Acme Construction Corp. | Class Code: 9015 | Payroll: $1,850,000
► Loss History: 2 incidents (5-year), Total Incurred: $28,000
► Predictive Loss Ratio: 14.8% — LOW RISK TIER
► System Recommendation: AUTO-BIND APPROVED ✓ — Route to carrier API endpoint
Enterprise Trust

System Security, Scale & Regulatory Compliance

Every layer of the Voiie ERP Platform is engineered for NYDFS Part 500 compliance, multi-tenant VPC isolation, and high-availability redundancy — protecting your book of business at all times.

🔒

AES-256 Encryption

All PII, actuarial data, and policy records are encrypted at rest with AES-256 and in transit via TLS 1.3 — per NAIC Model Law requirements.

🛡️

Multi-Tenant VPC Isolation

Each client operates in a fully isolated Virtual Private Cloud segment — preventing any cross-tenant data exposure between carriers, MGAs, and brokers.

📜

NYDFS Part 500 Compliant

Full SIEM threat monitoring via BigQuery, continuous vulnerability scanning, annual penetration test readiness, and executive CISO reporting modules built-in.

♻️

BCP Backup & Restore

Robust per-tenant Business Continuity Plan (BCP) framework with automated daily snapshots, geo-redundant recovery targets, and RTO/RPO commitments.

NYDFS

Part 500 Ready

NAIC

Model Law Aligned

HIPAA

BAA Eligible

CCPA / CPRA

California Ready

PCI-DSS

Payment Compliant

TCPA

Marketing Compliant

Early Access Program — Now Open

Be Among the First to Deploy
Voiie ERP in Your Organization

The Voiie ERP Platform has completed all 54 development milestones across Auth, Ledger, Submission, Commission, and Gemini AI modules. Submit your Early Access request and our engineering team will onboard your organization with priority provisioning and dedicated white-glove support.

Request Early Access Schedule a Briefing
Ready to Modernize

Schedule a Platform Architecture Briefing

Meet with our lead ERP architects to walk through a complete end-to-end demo of the Submission, Ledger, Commission, and AI modules tailored to your operation.

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