Submission rules
A broker keeps exclusivity on a prospect as long as there is recent activity in the Stoïk app. The rules depend on your market and on the policy type.
Standard policies: exclusivity can expire
Standard policies are prospects with revenue below €50 million that align with Stoïk's standard underwriting guidelines.
Active prospect: exclusivity ends after 90 days with no activity.
Inactive prospect: exclusivity ends 30 days after the initial quote was created.
A warning email is sent 15 days before a standard quote loses exclusivity, so the broker has time to act.
Custom policies: protected
Custom policies are prospects with revenue above €50 million, or that don't align with Stoïk's standard underwriting guidelines. They are never released for inactivity: they stay with the current broker however long the quote sits idle.
What activity keeps exclusivity
Sharing the project by email, or downloading it.
Downloading the contract, or sending it for signature.
Booking an expert or risk assessment call. This protects the prospect for 90 days. Cancelled calls don't count.
Always protected
Clients with a live contract (active, signed but not yet started, or termination not yet effective): a new broker must send Stoïk a signed mandate to take over.
Former clients whose contract was ended by Stoïk for bad debt, a risky renewal, bankruptcy, cancellation, or non-payment: no other broker can take these over.
If every contract with a client has ended, and none was ended by Stoïk for one of the reasons above, any broker can pick up that client, whatever the policy type.
No exclusivity rules apply. Any broker can add a company another broker already holds.
Last updated
Was this helpful?