FLUID INSURANCE WORKFLOWS/BONDIO

Practitioner-designed workflow automation and sales enablement for commercial insurance brokers and carriers.

Insurance Workflow Automation Startup Bootstrapped

Overview

FLUID Insurance Workflows, operating under the Bondio brand, is a Utah-based B2B insurtech company building workflow automation and sales enablement tools for commercial insurance brokers and carriers. Founded in 2016 and incorporated as an LLC, the company was created by insurance practitioners who identified operational gaps in commercial lines workflows -- specifically the friction around paper-based renewal processes and disjointed broker-carrier information exchange.

The company's core differentiator is practitioner-driven design: its products are built to mirror the actual workflows that commercial insurance professionals already follow, rather than imposing new processes. This philosophy is embedded in both its broker-facing platform (Fluid+) and its carrier-side solution (Fluid Trio), which together aim to modernize the renewal lifecycle and claims delivery experience.

With a lean team of 2-10 staff and a bootstrapped model, FLUID Insurance Workflows targets the underserved mid-market of commercial P&C brokers and carriers who lack the resources or scale to deploy enterprise-grade systems.

Products & Services

Fluid+

The flagship workflow automation and sales enablement platform designed for commercial insurance brokers. Built from the perspective of working brokers, Fluid+ provides customizable tools for managing the full broker workflow -- including renewal management, quoting, and pipeline operations. The platform automates time-intensive manual processes and complements existing CRM systems rather than replacing them.

Key Features

Renewal workflow automation for commercial lines brokers
Customizable multi-functional applications for quoting and pipeline management
Designed to integrate alongside existing CRM and AMS platforms
Practitioner-designed interface reflecting real broker workflows

Target Users: Commercial P&C brokers, independent agencies

Fluid Trio

A carrier-focused solution that manages and coordinates the three-way exchange of information between carriers, brokers, and policyholders. Fluid Trio addresses the recurring operational problem of renewal information collection by providing a coordinated platform for carriers to manage workflow across the distribution channel.

Key Features

Centralized renewal information collection and coordination
Multi-party workflow orchestration (carrier, broker, customer)
Reduces manual back-and-forth in the renewal process

Target Users: Insurance carriers (P&C), MGAs

Claims Workflow Module

A digitized claims workflow solution enabling brokers to deliver a superior client experience during the claims process. Streamlines claims tracking and communication between brokers and their commercial clients.

Key Features

Digital claims status and workflow management
Broker-to-client communication tools for claims delivery
Operational analytics for claims outcomes

Target Users: Commercial insurance brokers

At a Glance

Founded: 2016
Headquarters: Kaysville, Utah, USA
Employees: 1-10
Funding: Bootstrapped

Category & Focus

Category: Insurance Workflow Automation
Subcategories: Sales Enablement Renewal Management Claims Workflow Broker-Carrier Connectivity
Insurance Verticals: P&C Commercial Specialty/E&S
Target Customers: Brokers, Carriers, MGAs/MGUs