What is the Insurance page for?

Every cover the group holds — employers' liability, public liability, contractors' all risks, motor fleet, professional indemnity, whatever the account carries — with its insurer, policy number, limit, excess, premium and renewal date, and the documents behind each. A policy is the cover; a term is one year of it, so the Archive reads every past year side by side. For whoever places and renews the group's insurance: insurance.view opens the register, insurance.manage edits it. Cost, Reconcile, Adequacy and Declaration turn the same records into what the renewal needs. You enter: A policy (New policy, or by dropping the broker's schedule on the Cover tab): the cover, a name, the broker, and its term — insurer, policy number, period, limit or sum insured, excess, gross premium with IPT and fees, how it is paid and by how many instalments, any premium finance; On the policy's own page: the next term when the renewal is placed, documents attached to a term (the schedule, the certificate, the wording), claims with their reserve, paid and excess borne; On Adequacy: who demands what (a client, a contract, a scheme) and the exposure figures — turnover, wage roll — Saral suggests and a person confirms. On Declaration: the answers to the broker's questionnaire a person must give. Saral fills: Each policy's current term from today's date and its cover status — in force, renewal due, expired, lapsed or not recorded — with days to renewal; the register's headline counts and the gross annual premium of the current terms; What is coming up in the next 90 days, overdue first, each line opening its policy; The schedule read from the broker's paper: what is certain is applied as a new policy, this year's term or the blanks on a term already held, and the paper is filed on every policy it changed; a figure that differs from what is on file waits for Use the schedule's figures; The books' side on Reconcile: every journal line hitting an insurance account or an insurer, broker or premium-finance contact, tied to a term or standing as money out with no policy behind it; year-on-year cost and the change on Cost; the adequacy verdict per policy against the requirements and the exposure. It produces: The renewal declaration figures and answers, drawn from the ledger, payroll history and the registers, for the broker's form; the renewal pack naming the proposer company; Certificates served from the register to the renewals index, the accreditation evidence pack and the tender returnables; the insurance rows on Renewals & applications. Where the settings live: The company named as proposer on the renewal pack is Accounts → Settings → Insurance; blank keeps the account's head company. Which GL accounts and which insurer, broker or premium-finance contacts count as insurance for Reconcile are tagged on the Reconcile tab itself. Who may edit is the insurance.manage key on Settings → People & access → Access. Renewals are listed read-only on Accounts → Company Structure → Renewals & applications, and certificates are read by HR → Accreditations and by tenders; neither edits them.