Build vs buy an insurance client upload portal for Ontario brokers

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

Can our IT team build an upload portal?

Yes — but item-level QC, retention, encryption, and Principal Broker sampling features rarely ship in v1. Budget maintenance and PIPEDA review.

Does Hivi-X replace our BMS?

No. Document collection before bind; export to Applied Epic, Vertafore SIG, or Power Broker client folders.

What should a bought solution include?

Named checklist lines, approve/reject, missing items, co-agent access, Canadian hosting, exportable PDF — not just file drop.

When does build make sense?

Large MGAs with dedicated engineering and unified compliance roadmap — rare for typical Ontario personal-lines shops.

Is this legal advice?

No. Operational comparison only.

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