Bordereaux Automation

A bordereaux is a detailed schedule of risks or claims submitted by an MGA or coverholder to its carrier (or by a cedent to its reinsurer). In traditional MGA operations, this is a manually compiled monthly spreadsheet — error-prone, time-consuming, and a perennial source of carrier relationship friction.

OpenInsure eliminates manual bordereaux by capturing every transaction in real time and generating compliant reports automatically.

Types of Bordereaux

Premium Bordereaux

The premium bordereaux lists every bound policy within the reporting period, showing the premium flow:

Column	Description
Policy Number	Unique policy identifier
Insured Name	Named insured
Effective / Expiration Date	Policy term
State	Primary risk state
NAICS Code	Insured’s industry classification
Gross Premium	Total premium charged to insured
Policy Fee	Flat policy fee (if any)
Producer Commission	Amount paid to producing agency
MGA Override	MGA’s retained spread
Surplus Lines Tax	State tax (if non-admitted)
Net to Carrier	Gross premium less commissions and fees
Transaction Type	NEW, ENDORSEMENT, CANCELLATION, REINSTATEMENT

Claims Bordereaux

The claims bordereaux lists all reported claims within the period (or all open claims as of the report date):

Column	Description
Claim Number	Unique claim identifier
Policy Number	Related policy
Date of Loss	When the loss occurred
Date Reported	When FNOL was received
Loss Type	Bodily injury, property damage, etc.
Claimant Name	Name of injured party or claimant
Case Reserve	Current reserve estimate
Paid Indemnity	Amounts paid to date
Paid Expense	Defense/adjustment expenses paid
Total Incurred	Reserve + paid (ultimate loss estimate)
Status	Open, closed, litigated
Recovery	Subrogation or salvage received

Configuring Reporting Periods

Bordereaux reporting periods and delivery are configured at the carrier level:

PATCH /v1/carriers/:id
Authorization: Bearer <admin_token>
Content-Type: application/json

{
  "bordereauConfig": {
    "premiumFrequency": "MONTHLY",
    "claimsFrequency": "MONTHLY",
    "reportingLag": 15,          // days after period end to generate report
    "deliveryMethod": "EMAIL",
    "deliveryContacts": ["bordereaux@carrier.com", "reinsurance@carrier.com"],
    "formats": ["EXCEL", "CSV"],
    "premiumCutoffDay": 31,      // last day of month
    "claimsCutoffBasis": "REPORTED"  // or "DATE_OF_LOSS"
  }
}

Export Formats

Format	Use Case	Notes
CSV	Machine-to-machine ingestion into carrier systems	UTF-8, RFC 4180
EXCEL	Human review at the carrier	.xlsx, formatted with totals row
XML	Structured EDI to legacy carrier platforms	Schema per carrier configuration
ACORD_200	ACORD-standard bordereaux format	Where carrier requires ACORD compliance

Generating a Bordereaux

On-Demand Generation

POST /v1/bordereaux/generate
Authorization: Bearer <admin_token>
Content-Type: application/json

{
  "type": "PREMIUM",
  "carrierId": "car_01J8...",
  "programId": "prog_gl_contractors",
  "periodStart": "2025-06-01",
  "periodEnd": "2025-06-30",
  "formats": ["EXCEL", "CSV"]
}

# Response:
{
  "jobId": "brdx_01J8...",
  "status": "generating",
  "estimatedComplete": "2025-07-16T09:02:00Z"
}

Poll for completion:

GET /v1/bordereaux/:jobId

# When complete:
{
  "jobId": "brdx_01J8...",
  "status": "complete",
  "files": [
    {
      "format": "EXCEL",
      "url": "https://r2.openinsure.dev/bordereaux/brdx_01J8....xlsx",
      "rowCount": 142,
      "totalGrossPremium": 284750.00,
      "totalNetToCarrier": 212062.50
    },
    {
      "format": "CSV",
      "url": "https://r2.openinsure.dev/bordereaux/brdx_01J8....csv"
    }
  ]
}

Automatic Monthly Delivery

On the 15th of each month (or configured reportingLag days after period end), the scheduler automatically:

1. Generates both premium and claims bordereaux for the prior month.
2. Emails the configured delivery contacts with the files attached.
3. Logs the delivery to bordereaux_deliveries for audit.
4. Marks the bordereaux as delivered in the carrier record.

If delivery fails (bounce, size limit), the system retries and alerts the MGA admin.

Reinsurance Cession Statements

For MGAs with quota share or excess-of-loss reinsurance treaties, OpenInsure generates cession statements showing how premium and risk is being ceded to reinsurers:

POST /v1/reinsurance/cession-statement
Authorization: Bearer <admin_token>
Content-Type: application/json

{
  "treatyId": "trt_01J8...",
  "periodStart": "2025-06-01",
  "periodEnd": "2025-06-30"
}

The cession statement includes:

• Ceded premium by policy (proportion per quota share %, or above retention for XOL)
• Ceded reserves on open claims
• Recoveries received from reinsurers on paid claims
• Net retained premium (after cession)
• Running ceded aggregate vs. treaty limit

Note

Cession statements require the reinsurance treaties to be configured in @openinsure/reinsurance. See the reinsurance module documentation for treaty setup instructions.

Reconciliation

The bordereaux module includes a reconciliation tool that compares the bordereaux totals against:

1. Trust ledger balance — Total net-to-carrier per bordereaux should match the pending trust account remittance.
2. PlanetScale policy records — Every policy in the bordereaux should have a corresponding active record.
3. Prior month carryover — Reinstated or re-opened items from prior periods are flagged for carrier awareness.

Discrepancies are reported as RECONCILIATION_EXCEPTION records and require admin acknowledgment before the bordereaux can be delivered.