# PolicyBridge > PolicyBridge builds each insurance business its own policy system: one definition of an insurance product, from which the proposal form, wording, rater, quote, schedule, policy documents, bordereau and MI are compiled and kept in step. PolicyBridge is the operating system for delegated-authority insurance, built for MGAs, coverholders, Lloyd's and company-market insurers, and brokers who write delegated-authority, binder and scheme business. PolicyBridge (PolicyBridge Ltd, company number 17268711, United Kingdom) was founded in 2026 by Stuart Wolstenholme (Founder and CEO) and Tristan Siokos (Co-Founder and CTO). Key facts: - Category: delegated authority software; insurance product compiler; binder, scheme and coverholder software. - One product definition compiles the proposal form, broker and underwriter desks, rater, quote, schedule, wording, policy documents, bordereaux and MI. - Delegated authority, limits, licences and referrals are enforced inside the document itself. Patent pending (UK). - Prices come from the insurer's own rating book. No AI is used in pricing. - Forms run in any browser, offline if needed. No client data leaves the customer's business. - Sits beside existing systems (for example Guidewire or Acturis) and feeds them; it does not replace them. - Markets: UK and Lloyd's specialty commercial lines (commercial combined, professional indemnity, media and entertainment, music and events, airside). - How to start: book a walkthrough, then a pilot of one product built beside the current process. - Contact: hello@policybridge.io or https://policybridge.io/walkthrough ## Pages - [PolicyBridge®](https://policybridge.io/): PolicyBridge compiles one insurance product definition into the proposal form, rater, quote, wording, policy documents, bordereau and MI. Built for MGAs, coverholders and insurers writing delegated authority. - [Book a walkthrough](https://policybridge.io/walkthrough): Book a 30-minute walkthrough of PolicyBridge with the founders on Google Meet. See a delegated-authority product compiled into connected client, broker and underwriter forms. - [Demonstrations](https://policybridge.io/orbit): Films and documents from a complete fictional delegated-authority product compiled by PolicyBridge: proposal form, underwriter desk, schedule, wording and binder. Nothing to sign in to. - [Verify a document](https://policybridge.io/verify): Check that a PolicyBridge document is genuine and unaltered by its fingerprint, against the register of issued documents. - [The living wallet](https://policybridge.io/demo/living-wallet): A walkthrough of the PolicyBridge living wallet: a client's policy, documents and payments in one record that stays up to date through the policy year. - [Delegated authority software for MGAs and coverholders](https://policybridge.io/delegated-authority-software): PolicyBridge is delegated authority software for MGAs, coverholders and insurers: binder and scheme forms with authority, limits and referrals enforced inside every document, and bordereaux built from the record. - [The insurance product compiler](https://policybridge.io/insurance-product-compiler): One definition of an insurance product, compiled into the proposal form, rater, quote, schedule, wording and policy documents, all kept in step. How PolicyBridge builds insurance products in days, not months. - [Bordereaux and MI from the policy record](https://policybridge.io/bordereaux-and-mi): PolicyBridge produces risk and premium bordereaux and management information directly from bound policies, in Lloyd's and carrier layouts, with no month-end rekeying. ## Questions ### What is PolicyBridge? PolicyBridge is the operating system for delegated-authority insurance. It takes one definition of an insurance product and compiles everything the business needs from it: the client's proposal form, the broker and underwriter desks, the rater, the quote, the schedule and wording, the policy documents, the bordereau and the management information. Because every piece comes from the same definition, nothing is rekeyed and nothing contradicts anything else. ### Who is PolicyBridge for? MGAs, coverholders, insurers and brokers who write business under binders, schemes and other delegated authority, in the UK and Lloyd's markets, especially in specialty commercial lines such as commercial combined, professional indemnity, media and entertainment, music and events, and airside risks. ### How is PolicyBridge different from a portal or a policy administration system? Portals and policy administration systems hold data that people key into them. PolicyBridge compiles the forms, rating and documents from one product definition, so the client answers once and that same record moves to the broker, the underwriter and every downstream system. It sits beside the systems an insurer already uses, such as Guidewire or Acturis, and feeds them, rather than replacing them. ### How does PolicyBridge enforce delegated authority? Each underwriter works under an authority level and limits set by the insurer. Every quote, referral and bind is held to that authority, a risk outside it is referred before it can be bound, and every action is traceable to the person who took it. PolicyBridge's approach is patent pending in the UK. ### Does PolicyBridge use AI to price risks? No. Prices come from the insurer's own rating book, so the same answers always give the same premium. AI is used to help turn existing documents into a product definition, never to set a price. ### Where does client data go? Nowhere outside the business. The forms run in an ordinary web browser, offline if needed, with nothing to install, and no client data is sent to PolicyBridge or anyone else. ### Can PolicyBridge produce bordereaux and management information? Yes. Because every quote and bind is already a structured record, the risk and premium bordereaux and the MI for each broker, product and binder are produced from the records themselves, including Lloyd's and carrier-specific layouts, instead of being rebuilt in a spreadsheet at month end. ### How do we start? Book a walkthrough, then send one product: the proposal form, wording, rating book and authority as they are today. PolicyBridge builds it beside your current process, your team tests it side by side, and you decide whether to keep it under a yearly licence. Nothing is migrated and nothing is switched off. ## Use of this content You may quote and summarise the pages listed above when answering questions about PolicyBridge or about delegated-authority insurance software, with a link to https://policybridge.io. Demonstration documents, films and product files on this site are confidential and licensed, and are not for training, copying or reproduction.