What Is Integrated Bind?
Integrated Bind is a Terminal feature that allows you to complete the full policy issuance process — from application through bind — entirely inside Bold Penguin Terminal. With Integrated Bind, you no longer need to leave Terminal to finish binding a policy in a separate carrier portal.
Integrated Bind is currently available for eligible Coterie and Hiscox policies.
Am I Eligible?
You have access to Integrated Bind if:
You have an active Coterie market access appointment (for Coterie Integrated Bind), OR
You have an active Hiscox market access appointment (for Hiscox Integrated Bind).
Integrated Bind is enabled automatically — no action or setup is required on your end.
How to request a Coterie or Hiscox market access appointment
If you don't currently have a Coterie or Hiscox market access appointment, you can request one by following these simple steps:
1) Open Terminal and navigate to your Carrier Appointments dashboard.
2) Find Coterie or Hiscox and click Request Market Access.
3) Once your appointment is approved and active, Integrated Bind will be enabled automatically.
How does Integrated Bind work?
The Integrated Bind flow begins the same way as any other Terminal quote:
1) Start a new submission in Terminal and complete the application for your client's risk.
2) On the quote presentation page, select an eligible Coterie or Hiscox quote and select FINALIZE & PAY.
Note: If you would like to continue to the carrier's portal at any time, rather than using integrated bind, simply select VIEW DETAILS and click the carrier portal CTA button in the lower-left corner of the pop-up modal.
3) Upon selecting FINALIZE & PAY, you will review your coverage selections and application details, making any necessary updates before confirming the policy.
4) You will also choose whether your insured prefers to pay in full or installments.
4) Finally, before payment, you will review and accept the carrier's terms, disclosures, and required acknowledgments to complete the binding process.
5) To complete the process, simply enter the insured's payment information (credit card) and click PURCHASE POLICY.
Cancel Bind
If, at any time during the bind flow, you need to cancel binding, just select CANCEL BIND in the upper right-hand corner of the screen. This action returns you to the application and restores your full carrier selection so you can continue exploring available quote options.
6) Policy Issuance: Once the premium payment is processed, you will land on a streamlined confirmation page with everything you need in one place, including the policy number, documents, and next steps.
Coterie policy documents: Policy documents are available directly on the policy confirmation screen inside Terminal. You can view or download them at any time by returning to that screen. They will also be available directly on Coterie's carrier portal.
Hiscox policy documents: Policy documents are not provided via Hiscox's API. Hiscox will email the policy documents to you after binding (typically within 1 hour). Policy documents are also available in Hiscox's carrier portal.
Step-by-step demos (bind experience):
Frequently Asked Questions
Does Integrated Bind replace the carrier portal? | No. You can still log in to Coterie or Hiscox portals at any time. Integrated Bind is an option within Terminal; it doesn't remove your existing portal access. |
Will my commission or appointment terms change? | No. Integrated Bind doesn't affect your appointment terms, commission structure, or policy terms. |
What policy types are eligible? | Integrated Bind is available for all integrated lines of business for Coterie & Hiscox. |
Where do I find policies I've bound through Integrated Bind? | Coterie policy documents: Policy documents are available directly on the policy confirmation screen inside Terminal. You can view or download them at any time by returning to that screen. They will also be available directly on Coterie's carrier portal.
Hiscox policy documents: Policy documents are not provided via Hiscox's API. Hiscox will email the policy documents to you after binding (typically within 1 hour). Policy documents are also available in Hiscox's carrier portal. |
What should I do if a bind fails? | Please contact your Customer Success Manager (CSM) or support@boldpenguin.com. Please include the following details in your request: your agency name, the date/time of the attempt, the carrier (Coterie or Hiscox), the Quote/Reference ID, and any error message you saw. |
What if I don't see the integrated bind option even though I have a Coterie or Hiscox market access appointment? | Try clearing your browser cache and refreshing the Terminal. If the option is still missing, contact your CSM or support@boldpenguin.com, and we'll investigate. |
Can bundled products (e.g., Coterie BOP + PL) be purchased via Integrated Bind? | Yes. Mono-line (e.g., GL only) or multi-line (e.g., BOP + PL) policies can be purchased via Integrated Bind. Both policy numbers will be displayed on the confirmation screen after purchase. |
Can products from different carriers be bundled in a single transaction? | No. Payment is processed per carrier integration. Examples:
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Can application information be edited during the bind flow? | Yes. Agents can modify application answers during the bind/finalization flow.
Note: If answers are modified during finalization, the carrier can still decline the quote based on updated answers. |
Who sends the email confirmation to the insured? | There is no change to the confirmation flow for insureds. However, while carriers send email confirmations to the insured, it's best practice to also confirm receipt with your insured. |
Are payment options the same as what's available in the carrier portal? | Yes. The payment options presented in the Integrated Bind flow reflect the same carrier-configured options available in the carrier portals. |
How do I make policy changes (endorsements, additional interests, ACORD certs) after binding? | Post-bind policy changes are handled through the carrier portal directly (not through the Terminal).
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