Same carrier panel, same policy language, same licensed broker advocacy. Different defaults: at Delegance, every routine action is self-service across every modern channel, the broker is available on demand instead of a required step, and the resulting cost savings flow back to clients.
| Dimension | Traditional broker | Delegance |
|---|---|---|
| Quote turnaround | Multi-day broker email tag; quote intake by phone | Quote intake in 5 minutes via portal/ChatGPT/Claude; multi-carrier quotes typically within 24 hours |
| Bind | Phone call, signed forms scanned and emailed back | Bind online once underwriting clears; e-sign in portal; no phone call |
| COI generation | Email broker, wait minutes-to-hours, sometimes "next day" | Instant ACORD 25 / 28 in seconds via portal, ChatGPT, Claude, Slack, email, phone, or MCP |
| Endorsements | Email broker → broker emails carrier → broker emails confirmation back | Submit directly to carrier; no broker email round-trips |
| Renewal triage | Broker calls a few weeks before expiration | Proactive monthly status; renewal queue surfaced 90 days ahead in the portal |
| Policy questions | Email broker, wait | Natural-language answer from Orin, cited to your actual policy document |
| Channels | Phone, email; portal at most | Web portal, mobile PWA, ChatGPT App, Claude connector, MCP server, Slack, phone, email |
| Hours | Mon–Fri, business hours | 24/7 across every channel; broker pickup during business hours |
| Commission cost | Standard commission load | Average 60% lower commission, passed back to clients |
| Carrier access | Same admitted + surplus markets | Same admitted + surplus markets |
| Licensed broker access | Required to advance most steps | Available on demand (in-portal chat, phone, email); never required to advance routine steps |
| Multi-entity portfolios | Manual broker spreadsheets | Built-in CRE / PE workflows; COI fan-out across entities; consolidated renewal triage |