Cumulo9

Customer communications management and digital delivery for compliance-sensitive industries

Customer Engagement Established Bootstrapped

Overview

Cumulo9 is a customer communications management (CCM) and digital delivery platform serving compliance-sensitive industries including insurance. Based in Auckland, New Zealand, the company provides tools for carriers, brokers, and financial services firms to send essential documents -- policy notices, invoices, and statements -- via email, SMS, e-invoicing (Peppol), and WhatsApp from a single integrated platform.

The company offers both its own suite of communications products (C9 Transact, C9 Signature, C9 Campaign, C9 eInvoicing) and acts as the New Zealand Platinum reseller of Quadient Inspire, an omnichannel CCM platform recognized by Gartner, Forrester, and IDC. Cumulo9 holds ISO 27001:2022 certification from the British Standards Institute and B Corp certification (score 84.1/100). The platform claims a measured email deliverability rate of 99.5% and supports compliance requirements including proof of delivery, read receipts, and email authentication (SPF, DKIM, DMARC).

In the insurance sector, Cumulo9 serves brokers and carriers with documented case studies from PIC Insurance and Apex Insurance. They are a member of InsurTechNZ and regularly publish email benchmarking data specific to New Zealand insurers. The company operates offices in Auckland, Wellington, Melbourne (Australia), and Newark (USA), and is an approved supplier on the New Zealand Government DIA Marketplace.

Products & Services

C9 Transact

Electronic document delivery and archiving platform for compliance-sensitive outbound communications. Enables organisations to send policy documents, statements, invoices, and payslips via email, SMS, Peppol e-invoicing, and WhatsApp, with tracking, archiving, and proof of delivery.

Key Features

Multi-channel delivery (email, SMS, WhatsApp, Peppol)
Compliance audit trail with read receipts and proof of delivery
Email authentication (SPF, DKIM, DMARC)
Document archiving for regulatory retention

Target Users: Insurance carriers, brokers, financial services firms requiring compliant outbound communications

C9 Signature

Centralised email signature management platform with compliance and brand consistency features. Automates inclusion of legal disclaimers required by New Zealand financial regulators (Financial Markets Authority).

Key Features

Centrally managed branded email templates
Automated legal disclosure and disclaimer insertion
Consistent branding across all staff emails
Audit trail for regulatory compliance

Target Users: Insurance brokers and carriers operating in regulated markets

C9 Campaign

Business email campaign platform for marketing and customer communications.

Key Features

Campaign design, personalisation, and automation
Silent read receipts and click tracking
Open rate analytics, heatmaps, and audience segmentation
Drill-down reporting

Target Users: Insurance brokers using email newsletters and client communications (e.g., Apex Insurance achieves 50%+ open rates for quarterly newsletters)

C9 eInvoicing

Invoice exchange platform built on the Peppol standard, endorsed by New Zealand MBIE and the Australian Taxation Office.

Key Features

Peppol-compliant cross-border e-invoicing
Endorsed by MBIE (New Zealand) and ATO (Australia)
Streamlined invoice processing and reconciliation

Target Users: Organisations requiring compliant e-invoicing with government bodies or regulated entities

Automator (Digital Forms)

Business process automation tool for personalised, compliant digital forms covering quotes, applications, and other insurance workflows.

Key Features

Digital form creation and workflow automation
Integration with downstream policy and billing systems
Used by Apex Insurance to automate low-margin commercial lines

Target Users: Insurance brokers and carriers digitising paper-based processes

C9 Archive

Document archiving and retrieval solution offered in partnership with Therefore, providing compliance-grade retention and retrieval.

Key Features

Compliance-grade document retention
Online storage and retrieval beyond basic file management
Partnership with Therefore document management platform

Target Users: Insurers and financial firms with long-term document retention obligations

Quadient Inspire (Reseller)

Cumulo9 is the New Zealand Platinum reseller of Quadient Inspire, an omnichannel CCM platform. Services include deployment, training, maintenance, and professional services.

Key Features

Omnichannel communication design and delivery
Gartner-, Forrester-, and IDC-recognized CCM platform
New Zealand Platinum Partner since 2019

Target Users: Enterprise insurers and financial institutions requiring full omnichannel CCM capability

At a Glance

Founded: 2001
Headquarters: Auckland, New Zealand
Employees: 11-50
Funding: Bootstrapped

Category & Focus

Category: Customer Engagement
Subcategories: Customer Communications Management Email Delivery Digital Document Distribution E-Invoicing
Insurance Verticals: P&C Commercial P&C Personal
Target Customers: Carriers, Brokers

Customers

PIC Insurance -- 100% NZ-owned insurance brokerage; uses C9 Signature and C9 Campaign for brand consistency and FMA compliance
Apex Insurance -- Independent commercial insurance broker; uses C9 Signature, C9 Campaign, and Automator since 2013
Gut Cancer Foundation
WellingtonNZ
Fifo Capital
BOC New Zealand