Active Policies for Insurance | circlr

Keep your business
and insurance in sync.

For Insurance

Active Policies.
Not Static Forms.

Insurance relies on static snapshots. Active policies are a concept we're building with forward-thinking insurers and brokers.

circlr
Ledger native
vs
Current
Annual form
circlr
1,000+
vs
Ledger
~5
Problem

Policies built on last year's numbers.

Siloed across layers

Asset data is fragmented across businesses, accountants, and brokers — with no single source of truth.

Static snapshots

Self-reported values at renewal. Depreciation, disposals, and new purchases go unrecorded between renewals.

Inaccurate exposure

Risk is priced on declared values that may be significantly over or under the true asset base.

For Brokers

Fast Renewals.
Precise coverage.

Give your clients cover that matches what they actually own. Not last year's estimate.

  • Detailed asset schedules
  • Verified replacement values
  • Identify under and over-insurance
Asset summary
Plant & machinery £184,200
Motor vehicles £62,400
IT equipment £18,750
Fixtures & fittings £31,000
Total insurable value £296,350
Verified from accounting system
For Underwriters

Price risk on
active numbers.

Price risk on what's actually there. Not a declaration filled in twelve months ago.

  • Accounting-verified asset values
  • Continuous exposure monitoring
  • Faster, cleaner claims settlement
Without circlr
Annual declaration

Self-reported values. No verification. Up to 12 months out of date at renewal.

With circlr
Active Policy

Accounting-connected, updated with purchases, disposals and valuations, fully auditable asset values.

Let's Partner

We're building with forward-thinking insurers and brokers. If you're interested in hearing more, we'd like to hear from you.

  • Open to brokers and underwriters
  • Collaborative product development
  • Pilot programme available
Get started with circlr