Ralfi

Built for Australian commercial lines brokers

Ralfi

Welcome to Ralfi

Connect your email so Ralfi can find your renewals and learn how you write.

1 Connect email
2 Review renewals
3 Invite your team
📥

Connect your inbox

Ralfi reads renewal threads between you, your clients, and underwriters. Nothing is ever sent without your approval.

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Ralfi

Welcome to Ralfi

Connect your email so Ralfi can find your renewals and learn how you write.

1 Connect email
2 Review renewals
3 Invite your team
Analyzing your emails
Learning your tone of voice
Finding upcoming renewals
Ralfi

Welcome to Ralfi

Here is what Ralfi found in your inbox.

✓ Connect email
2 Review renewals
3 Invite your team
30 renewals

found in your inbox for the next 120 days

Missing some? Upload a policy export from your broking system, for example WinBEAT.

Upload renewal policies as CSV
Drag and drop, or click to browse
renewals-export-winbeat.csv 32 rows added
Ralfi

Welcome to Ralfi

Ralfi learns your work patterns and grows with your team.

✓ Connect email
✓ Review renewals
3 Invite your team
👥

Invite your brokers

Each broker gets their own renewals view and tone of voice.

Ralfi

Welcome to Ralfi

Everything is connected.

✓ Connect email
✓ Review renewals
✓ Invite your team
🎉

You are all set, Jack

Ralfi found 30 renewals and prepared your first follow up drafts. Nothing gets sent without you.

Ralfi

My renewals

Renewals in July and August
34
renewals due by 31 Aug
14
expire within 14 days
87%
retention rate this year

Upcoming renewals

Client Underwriter Renewal Status Broker Priority
Ask Ralfi

Morning Jack. I wrote 8 follow ups. They are waiting for your OK.

3 clients replied

  • JB Hi-Fi sent turnover. Payroll is still missing.
  • Metro Plumbing sent its claims history.
  • Greenway Cafe said nothing has changed.

I also filed 6 attachments from overnight email to client records.

Still waiting on

  • Sarah at Allianz, terms for JB Hi-Fi. Due yesterday.
  • Michael at QBE on Harbourline's export question.
  • Vero, quiet for four days on Greenway Cafe.
TS
TechShield IT
Policy expires in 12 days
Replying in Renewal declaration 2026
To David Kim · TechShield IT
Draft ready for David
Cc
Bcc
Hi David, just a gentle nudge on the payroll figure when you get a chance. Allianz is finalising terms and having it this week keeps us comfortably ahead of your 5 August renewal. Happy to call your accountant directly if that is easier.
 Auto-send is on, goes out 9:00 am

Everything on this renewal

Every email, document, note and status change. Who did it, and when.

Follow up scheduled
If David has not replied by 25 Jul, Ralfi will write a nudge and ask for your OK.
🐸Ralfi
22 Jul, 9:02 am
File request sent
Asked David for the payroll report. He got a secure upload link.
🐸Ralfi
22 Jul, 9:00 am
Reply from David
No big changes this year. Payroll is coming this week.
DKDavid Kim
21 Jul, 10:31 am
Recommendation drafted
Renew with Allianz. The rate fell even though the premium rose. Reasons saved with the file.
🐸Ralfi
21 Jul, 9:30 am
Status changed to Waiting on client
Waiting on the updated payroll figure from TechShield.
🐸Ralfi
21 Jul, 9:20 am
Policy record filled in the background
Read from the Allianz schedule while you worked. 2 fields flagged for your eyes.
🐸Ralfi
21 Jul, 9:14 am
David declined the cyber add-on
Reason: budget this year. Noted on the record to raise again next renewal.
JHYou
18 Jul, 2:12 pm
Call logged
Jack spoke with David. Happy with the cover. Wants the premium held if possible.
JHYou
18 Jul, 2:10 pm
Reply from Allianz
Sarah is reviewing the rating. Terms expected Monday.
SMSarah Mitchell
17 Jul, 3:15 pm
Renewal submission sent to Allianz
Included the claims history and updated turnover.
JHYou
16 Jul, 11:20 am
Terms of Engagement approved
Checked by Jack and emailed to David.
JHYou
15 Jul, 2:04 pm
Terms of Engagement written
Ralfi filled it in from the client record, ready for your check.
🐸Ralfi
15 Jul, 9:30 am
Renewal reminder emailed to David
First renewal email. Asked for turnover and payroll.
JHYou
14 Jul, 9:12 am
Renewal added from Outlook
Ralfi spotted the 5 Aug expiry in your inbox and set this file up.
🐸Ralfi
10 Jul, 8:05 am

What changed this year

Pulled together from the emails, the call notes and the underwriter schedule.

Turnover $3.8m → $4.2m +11% Confirmed by David, 15 Jul
Staff 12 → 14 +2 Confirmed by David, 15 Jul
Payroll $1.02m → $1.15m estimate Waiting on the real figure
Premium $13,900 → $15,025 +8% From Allianz, not final yet
Contents cover $850,000 → $850,000 unchanged Worth a look, see risks

Client decisions

What the client decided, when, and why. All of it stays on the record.

Cyber cover add-on
Declined by David on the 18 Jul call. Reason: budget this year. Ralfi noted it to raise next renewal.
Decided
Hold the premium if possible
Asked by David on 18 Jul. Ralfi flagged it in the submission to Allianz.
With Allianz
Lift contents cover to $950,000
Suggested by you. David has not answered yet.

Open risks

Things that could bite later. Sort them now or park them on purpose.

Payroll is still an estimate
The final premium can move if the real number is higher.
Contents cover has not moved since 2024
The business grew 24% in that time. David could be underinsured.
Claims history is clean
No claims in 5 years. Confirmed with the Allianz submission.
Sorted

Claims

Every claim and near miss on this client, and where each one sits.

Ralfi asks every year

So the cover always matches what the business is actually doing.

Ralfi read the Allianz schedule in the background and filled in the policy record. 2 fields could use a quick look.
Next action Yours Due 22 Jul
Get the payroll figure from David

Compliance

4 of 7 steps done
Required Terms of Engagement sent

Policy record

Filled in by Ralfi in the background. Edit anything that looks off.

12 of 14 fields look right. 2 need a quick check, shown in yellow.
From Allianz-Renewal-Schedule.pdf, read 21 Jul.
PDF

Renewal-Declaration-Form.pdf

Read by Ralfi

Export this renewal

One file with everything, ready for an audit or a handover.

What goes in:

  • The full conversation, client and underwriter
  • The activity record, who did what and when
  • Compliance steps and their status
  • Client decisions and open risks

Documents

Everything on this renewal, kept current by Ralfi.

Source

What Ralfi read to reach this.

This year against last year

Ralfi lined the two years up so you do not have to.

Premium $13,900 → $15,025 +8%
Turnover basis $3.8m → $4.2m +11%
Rate on turnover 0.366% → 0.358% fell
Excess $1,000 → $1,000 same
Contents cover $850,000 → $850,000 same

Your recommendation, drafted

Ralfi wrote it from the file. Approve it and the reasons go on the record.

Recommendation: renew with Allianz.

The premium is $15,025, up 8% on last year. The business grew 11% in the same period, so the underlying rate fell. For a claims free account, that is a fair result.

David asked us to hold the premium where possible. We pushed that with Allianz, and the held rate reflects it. Moving underwriters for a saving this small is not worth the disruption or the re-underwriting risk.

Two things sit outside this recommendation. David declined the cyber add-on for budget reasons, noted to raise again next year. And contents cover has not moved since 2024 while the business grew, so we have suggested lifting it to $950,000 and are waiting on his answer.

You can edit this text before you approve it.

Add a renewal

Ralfi sets the file up and works out the dates.

Drop files here, or click to upload

A WinBEAT CSV, policy PDF, schedule or email. Ralfi reads it and works out the client and dates.

Settings

What Ralfi does on its own
Send follow ups automatically
Off means Ralfi asks you before anything is sent.
Write compliance documents for you
Terms of Engagement, renewal letters and notices, ready to check.
Remind quiet clients
Every 3 business days, with your OK first.
Ways to reach clients
Email
Replies go through your Outlook, from your address.
SMS Coming soon
Text reminders for clients who do not read email.
WhatsApp Coming soon
For clients who live in WhatsApp.
Your tone of voice
How Ralfi writes
Learned from your sent emails. You can steer it here.

Terms of Engagement

Written by Ralfi from the client record. Yellow parts were filled in for you.

HB
Hazlehurst Insurance Brokers
Level 2, 48 Miller Street, North Sydney NSW 2060
16 Jul 2026

Dear David,

This letter sets out the terms on which Hazlehurst Insurance Brokers acts for TechShield IT Pty Ltd in arranging your Business Insurance Pack, due for renewal on 5 August 2026.

We act on your behalf, not for the insurer. Our advice is based on the information you give us, so please tell us straight away if anything about the business changes. Our fee for this renewal is $350 plus any charges shown on your invoice.

Please read this letter with the Financial Services Guide we have provided. If anything is unclear, call us before the renewal date and we will walk you through it.

Kind regards,
Jack Hazlehurst
Hazlehurst Insurance Brokers

Checked by you before anything is sent.

What David sees

Your branding on everything. Ralfi stays out of sight.

Reply Forward
Hazlehurst Insurance Brokers no-reply@files.hazlehurstbrokers.com.au
To: david@techshield.com.au
Subject: Jack shared your renewal documents
HB Hazlehurst Insurance Brokers

Hi David,

Jack has shared 2 files with you: your renewal terms and the updated schedule. Click below to download them securely.

This link expires in 7 days. It only works with the password Jack gave you.

Sent securely with Ralfi
files.hazlehurstbrokers.com.au/d/techshield-renewal
HB
Hazlehurst Insurance Brokers

Renewal documents for TechShield IT

Link expires in 7 days
PDF Renewal-Terms-2026.pdf 1.2 MB
PDF Policy-Schedule.pdf 840 KB

Encrypted. Private. Hosted in Australia. Powered by Ralfi

files.hazlehurstbrokers.com.au/u/techshield-payroll
HB
Hazlehurst Insurance Brokers

Renewal documents, TechShield IT

Needed by 25 Jul
Drag and drop files here
or click to browse. No account needed.
Payroll report Claims history

Encrypted. Private. Hosted in Australia. Powered by Ralfi

Send files securely

1 Files 2 Who 3 Lock it
Drop files here or click to browse
Up to 5 GB each
Already set to this renewal's contact.
Password
David needs it to open the link.
Link stops working after

Link created and emailed to David

You will see it here the moment he opens or downloads anything.

Ask David for files

Already set to this renewal's contact.
Payroll report ✕
Broker Portal

Ralfi is lodging this renewal

Where these values came from

How Ralfi filed this

The source email, the document, and every field it took.

Claims summary, last 5 years

Client-ready version