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Commercial insurance. Considered.
Insurance starts
with understanding.
Your business deserves to be understood.
A structured digital proposal. A considered introduction.
A clearer conversation with an insurance professional.
WHY DIBNI EXISTS
Commercial insurance enquiries deserve more than a name and a phone number
Commercial insurance acquisition often sits at two extremes: a very short lead form that tells the receiving professional almost nothing, or a lengthy proposal process written largely in insurance terminology. DIBNI is designed to occupy the space between them.
The business owner starts by explaining the business. DIBNI structures the conversation, asks progressively relevant questions, and prepares information that can support a more useful professional introduction.
THE DIBNI MODEL
From business context to professional review
Start with what the organisation actually does
Industry, occupation, activities, scale and circumstances establish the context for the enquiry.Ask relevant questions progressively
Digital proposal journeys can adapt according to the information already provided instead of presenting every question to every customer.Prepare usable business and risk information
Answers are organised into a structured proposal record rather than reduced to an ordinary contact-form submission.Connect with an appropriate insurance professional
The receiving professional can then assess the enquiry and undertake the professional insurance process where appropriate and authorised.FOR INSURANCE PROFESSIONALS
Better prepared than an ordinary lead
Contact details with little context
- Name
- Telephone
- “Needs business insurance”
Structured information for earlier assessment
- Organisation and business activities
- Turnover, employees and locations where relevant
- Insurance requirements and material exposures
- Claims and supporting information where appropriate
- Information organised for professional review
The intention is to help insurance professionals determine earlier whether an enquiry is relevant to their appetite, what additional information may be required, and what the appropriate next action should be. DIBNI does not guarantee conversion, quotation, placement or insurer acceptance.
RISK APPETITE
The right enquiry should reach the right professional
Different insurance professionals prefer different classes of business. DIBNI’s developing model considers the characteristics that matter to participation and routing, without assuming that every enquiry belongs with every recipient.
DIBNI’s appetite-alignment capability is developing progressively. The platform should not be understood as making automated insurance recommendations or underwriting decisions.
TERRITORIAL PLATFORM
One DIBNI philosophy. Local insurance markets
DIBNI operates through territorial platforms that retain the same customer-experience philosophy while adapting terminology, products, market structures and regulatory requirements to the local insurance environment.
TECHNOLOGY WITH A PURPOSE
Technology prepares the information. Insurance professionals retain the professional role
Structured digital journeys, conditional questioning, proposal records, documents, data integration and workflow technology can make the introduction process more useful and efficient. They do not replace the judgement, advice, negotiation, placement or other regulated functions of appropriately authorised insurance professionals.
PARTNER WITH DIBNI
Tell us the business you actually want to receive
DIBNI is developing participation models for insurance professionals with different territories, specialisms, premium appetites and client profiles. Participation does not itself imply appointed representative status, network membership, regulatory permissions, exclusivity or any particular contractual structure.