Tide overview

Tide provides a single, centralised, highly automated way to view and manage bordereaux, ensuring the smooth flow of delegated business across all touchpoints and parties.  Tide can assist as a binder management solution.

The platform enables risk, premium and claims data to be received on time and stored centrally in formats that are validated, standardised and approved. 

The result is bordereaux data that are easy to manage and analyse, leading to more informed business decisions and increased operational efficiency.

London market origins

Tide is a proven bordereaux solution. Originally developed for the London Market, Tide is a key component of the digitalisation and modernisation programme that has been transforming the world’s largest insurance hub over the last few years. Tide has evolved and is suitable for the wider market with bordereaux challenges.

Key features and benefits


Tide provides end-to-end automation, eliminating manual processing and bottlenecks that add time and expense to bordereaux management and increase the risk of errors. Time saved on administrative tasks can be spent on other services that add value to the business.

Powerful and secure SaaS delivery

Tide is a cloud-based SaaS platform hosted in Azure. Built from the ground up, it benefits from Azure’s 24/7 availability. Tide’s in-built security function, with specific user security at each level, allows for both multi (company) and single level access.

Intuitive and user-friendly

The user interface makes it easy to handle and process data, and an in-system guide is available to all users.

Better decision-making

More informed business decisions are possible because data is extracted and analysed in a standard format and there is greater clarity and transparency.

Speed, versatility, scalability 

Inbuilt APIs within Tide can consume data from any source in any format, which can be rapidly validated and cleansed, including manual uploads, and Tide will scale to accommodate growing volumes of data. 

Highly focused data visibility

Tide has a powerful business intelligence (BI) capability. Data can be analysed within the Tide BI toolset or imported directly into ‘user's’ warehouse to enable data analytics leading to better business decisions.

Standardisation and consolidation

Bordereaux can be uploaded to Tide round-the-clock from anywhere in the world, making it easy for insurers to extract and process data. Consolidation is achieved using a questionnaire that filters data submissions into a single, standardised dataset that avoids duplication. Data processing rules can be created to make some datasets mandatory while others can be configured as required. 

Meeting the challenge – giving you options 

Managing bordereaux can be complex, time-consuming and costly. As insurers and their coverholders know only too well, every bordereaux journey presents many challenges.

For example:

  • Inconsistent bordereaux formats 
  • Slow and error-prone manual processing 
  • Data that can require collating and extensive cleansing 
  • Incomplete or inaccurate data 
  • Delays as information is passed back and forth between multiple systems and parties
  • Maintaining credit control and ensuring compliance

Digitalisation and insurtech are transforming core insurance activities, and bordereaux management is a vital part of this change.

Tide enables you to mitigate the challenges and manage bordereaux quickly and efficiently with a cloud-based platform that maps, cleanses, and validates data and then outputs it in a standard format.

"The deep insurance market knowledge of the Charles Taylor InsureTech team combined with their tireless commitment to excellence in delivery made them a great choice of partner."

COO, Insurance Broker

"We were looking for a strategic technology partner to work closely with us in our ongoing plans to modernise the group. InsureTech has made a clear long-term commitment to building its business in Latin America and has the global reach to support our growth ambitions. Its solutions and capabilities are also highly rated by independent analysts."


Luis Ramos, CIO, Seguros SURA Corporate