Frost — a risk-management platform for an insurance agency

Frost started as a spreadsheet problem. A commercial risk advisor working with contractors needs to track every client’s policies, losses, controls, actions, documents and outside partners, and then prove in dollars that the work reduced the client’s total cost of risk. No off-the-shelf tool did that, and the enterprise ones cost more than the advisor’s whole book.

So we built it. The Console is where the advisor works: every client, every open action, every worksheet, the document library, and the TCOR engine that turns a year of work into a number the owner understands (“reduce TCOR to increase net operating income”). The Portal is what the client sees: their own risk profile, their action list, their documents, and a team page where their attorney, CPA and insurance agent can be given scoped access to the pieces that concern them.

What made it hard

• Two audiences, one data model. Advisors need everything; clients need a calm, obvious view of what matters this quarter. Same database, different products.
• Partner orchestration. A client’s outside advisors each get their own dashboard with per-section view and upload rules, owner approval before anything opens, and tasks with due dates. Permissions are the whole feature.
• Branded for an agency. The portal carries the agency’s brand; the console carries Frost’s. Both live in one deployment with one login system (Clerk), each client under its own organization.
• No automated email. The agency decided client messages go out manually, from a human, from a “to send” list. The system generates the message and tracks it; a person sends it. Building restraint into software is harder than building automation.

What it runs on

Next.js on Netlify for the screens, Convex for the database, functions and file storage, Clerk for sign-in and organizations. Deployments are a single command. The advisor can add a client, assign a partner and publish a worksheet without anyone touching code.

The platform is in daily use at an insurance agency with real contractor clients, and it is the system behind the advisory packages the agency sells.