JNS Seguros Doubles Policy Renewal Volume with a 46% Faster Cycle

Pipefy has supported JNS since the early years of its operations and centralizes the insurer’s requests. The website and the broker portal connect to the platform: the claim notice filled out by the insured and the quote request generate cards that move through phases to the responsible team.

In underwriting, Pipefy organizes renewals. Policies to be issued in the period appear in a dedicated flow, notices to brokers are tracked phase by phase and each renewal reaches issuance with its complete history.

In origination, the team receives documents, prepares the proposal and exchanges messages with the broker within the workflow itself and proposal creation is integrated with the ERP. When a claim is indemnified, the card moves to the legal team, which begins recovery measures.

Procurement, payment releases, and controllership projects also run on Pipefy, with approval levels defined in the tool itself. The JNS team builds and adjusts these workflows with the autonomy it needs to move quickly.

JNS began operations about seven years ago, offering surety bonds, both traditional and judicial, and rental guarantee insurance. Its broker platform brings registration, credit analysis and proposals together in a single digital flow. Agility is the insurer’s main promise.

Sustaining that pace requires attention to the lifecycle of each policy. With judicial surety bonds, the sum insured is updated every year through an endorsement and renewals involve advance notices to brokers.

That same attention to deadlines extends to claims, where the transition in industry legislation calls for greater speed. Claim notices arrive through several channels: the website, email and physical mail for guarantees tied to the courts.

For an area that brings together legal, claims, compliance and internal controls, the goal was for every request to go through the same workflow, with policy data at hand and a connection to the insurer’s ERP, which also serves as the interface with regulatory bodies such as Brazil’s insurance regulator, SUSEP.

In the renewal workflow, the cycle for each policy, from opening to completion, became 46% shorter. The reduction came together with volume growth: the company’s monthly average more than doubled.

Each renewal goes through the same workflow, with a history of phases and owners, and the insurer now has a foundation ready to handle larger volumes. Leadership believes few companies in the segment today have the level of automation that JNS has built.

JNS Seguros, headquartered in Curitiba, Brazil, was founded in 2018 with the mission of making insurance simpler, more agile and more transparent. It offers surety bonds (traditional and judicial) and rental guarantee insurance, in a single workflow that keeps the operation up to speed as the company grows.