GC Broker is the operating system for licensed insurance brokerages in Ghana. Underwriting, claims, reconciliation and a branded client portal — built around how the NIC actually regulates the work.
We built GC Broker after watching brokers do real work — reconciling MoMo screenshots at midnight, juggling co-insurance in spreadsheets, chasing discharge vouchers on WhatsApp. Here's what we fixed.
The cash-and-carry firebreak from NPNC/2014 §3 is baked into the issue button itself — a policy literally cannot be issued until a verified MoMo, bank or cheque payment is reconciled to the slip. No more after-the-fact audit gymnastics.
Split risk across up to 8 insurers per slip with per-leg commission, lead-insurer logic, and net-premium math that ties back to the ledger. The bar at the top of every policy is always correct.
Clients file a claim from the phone — photos, GPS, police ref — and the broker sees it in the queue before they're off the call.
MTN, Vodafone, AirtelTigo, GCB, GTBank and Stanbic. We ingest the statement, match references to slips, and flag what's odd.
Your logo. Your domain. Your colors. Clients sign in to portal.your-brokerage.gh — never to a generic SaaS URL. Corporate clients get a primary contact who manages a team and per-policy access.
Every action — quote, bind, claim, reconcile — writes to the same audit trail. Nothing falls between systems because there's only one.
One workspace for the entire underwriting flow — capture risk, request quotes from your insurer panel, split co-insurance, and issue. The NIC's cash-and-carry firebreak is the issue button itself.
Mobile FNOL routes straight to the broker queue. Document checklist tracks what's in, what's pending, what's missing — with timestamps and auto-reminders. The discharge voucher closes the loop.
MoMo, bank and cheque clearance feed the same ledger. Commissions calculate on payment receipt, not on policy inception, so cash-and-carry actually means cash-and-carry.
| Date | Reference | Channel | Amount | Status |
|---|---|---|---|---|
| 24 May | MTN-MM-249018342 | MTN MoMo | GHS 3,840 | MATCHED |
| 24 May | VC-2284-91082 | Vodafone Cash | GHS 12,400 | MATCHED |
| 23 May | GTB-TRF-04081 | GTBank | GHS 28,400 | MATCHED |
| 23 May | MTN-MM-249018112 | MTN MoMo | GHS 1,920 | AMBIGUOUS |
| 22 May | CHQ-001284 | Cheque · Stanbic | GHS 64,000 | CLEARING |
The portal you'd build if you had an engineering team. Email + SMS OTP. Corporate & group accounts with primary-contact admin. Renewal alerts. Mobile-first FNOL. All under portal.your-brokerage.gh.
We replaced four spreadsheets, a WhatsApp group, and an extremely tired finance manager. GC Broker is the first system that actually understands how a brokerage works in Accra.
No per-seat upsells, no claims-module-extra. You pay for the size of the book — that's it. Pricing in cedis, billed in cedis, with optional USD invoicing for cross-border brokers.
For solo brokers and 2–3 person brokerages just getting off Excel.
For established brokerages running a book between GHS 5M and GHS 80M GWP.
For multi-branch firms, group brokers, and books above GHS 80M GWP.
Add-ons: USSD self-service · WhatsApp Business inbox · data residency in Accra. See the FAQ for migration timelines.
Tell us a little about your brokerage. We'll load 30 sample policies in your tenant before the call so you can poke at something real, not a sandbox.
We'll be in touch within 1 business day to schedule your demo and provision the pilot tenant.
GC Broker is software — not a broker — so it doesn't need an NIC licence itself. It is, however, designed against the NIC's Insurance Act 2021 and the NPNC/2014 cash-and-carry directives, and is operated by a registered Ghanaian entity (NDPC-registered data controller, RGD: CS-000-4810).
Most migrations land within 7–14 calendar days. We bring policies, endorsements, claims (with attachments) and a 24-month ledger across. You keep operating on your old system during the move — we cut over the weekend you choose.
Insurers: Star Assurance, SIC, Enterprise, Vanguard, Hollard, GLICO, Allianz, Old Mutual, Donewell, Phoenix, Loyalty and Quality. Payments: MTN MoMo, Vodafone Cash, AirtelTigo Money, GCB, GTBank, Stanbic, Absa and Ecobank. Anything outside this list can be added — typically 2 weeks.
Primary region: Accra (MainOne data centre). Disaster-recovery region: Frankfurt (EU). On Enterprise we can do single-region (Accra only) or on-prem inside your own data centre.
Web works on every device. Native iOS and Android apps are available on Growth and Enterprise plans, both white-labelled with your branding and published from your developer account.
Pricing covers every module — no upsells. The only paid add-ons are USSD self-service (carrier fees passed through), WhatsApp Business (Meta fees passed through), and custom insurer integrations beyond the 12 we ship with.
Any time, with one calendar month's notice. We give you a full SQL export of your tenant on the way out — your data is yours, not ours.