COI Clerk
Reads the request, pulls the policy, produces the certificate against the holder's actual requirements, and routes anything non-standard to a person.
02Designed, not yet running
AI agents for insurance agencies
Renewals do not surprise an agency that reads its own book every night.
Certificates, renewal windows, carrier submissions and the endless back-and-forth on missing information are the work that keeps producers off the phone. A fleet runs the book nightly and hands each morning a short list that needs a human.
Independent agencies, producers, account managers
The architecture is specced and the guardrails are set, but no named account is running it yet. We say so rather than imply otherwise.
Where the day goes now
A certificate request arrives and an account manager stops what they are doing to produce it. A renewal ninety days out is visible only to whoever remembers it. A submission goes to four carriers and comes back with three different information requests, each chased separately by email. The loss run nobody asked for in time is now the reason a quote is late.
What it reads
AMS360, Applied Epic, EZLynx or HawkSoft · carrier portals · your document store · the shared mailbox certificates arrive in
Read-only, through credentials you issue and can revoke in a click.The fleet
Six specialists, each with one job and a written cap.
Not one assistant asked to do everything. Six narrow agents that run on a schedule, hand their work to a person, and log what they did. You can read every one of their instructions.
Renewal Watch
Walks the book nightly and surfaces the ninety, sixty and thirty-day windows with the exposure changes since last term already noted.
Submission Builder
Assembles the carrier application from the policy record and prints an explicit gaps list — what is missing, who has it, and what it blocks.
Loss-Run Chase
Requests loss runs on the schedule the renewal needs, not the week it becomes urgent, and tracks which carrier has responded.
Endorsement Tracker
Watches requested changes from bind through carrier confirmation, and flags the ones that went quiet.
Book Margin
Commission by carrier, by producer and by line, so the unprofitable niche is a figure rather than a suspicion.
06:30, before anyone opens a tab
The Morning Brief
One agent reads everything that changed overnight and says it out loud in under a minute. Items that need a person are named. Nothing in it was decided by the fleet.
Hear the Morning BriefSynthetic voice · invented data
0:00
“Good morning. Your book overnight. Eleven renewals entered the sixty-day window; three have exposure changes worth a conversation before you quote — Kessler added two vehicles, Rivera's payroll is up about forty percent, and Tam's building value has not moved in four years. Second: nine certificates went out overnight against standard forms. Two did not — one holder wants additional insured language we do not usually grant, and that is sitting with you. Third: loss runs are outstanding from two carriers on the Delacroix submission, requested eleven days ago, and that is what is holding the quote.
Sample script · invented names and figures · Insurance Agencies
What it never does
The same rule our own agents live under at the agency: unattended things hold read-only keys; anything that writes needs a person in the loop, per task.
- No agent binds coverage, quotes a price, or signs anything. Ever.
- Certificates outside your standard forms route to a licensed person.
- Carrier submissions are drafted and held; a producer sends them.
- Coverage advice never reaches an insured without a person behind it.
How it is pricedThe measurable one is renewal lead time — days between a renewal entering its window and a producer actually working it. Agencies usually cannot state that number today, which is the point.
Same architecture, different nouns
The other nine
01AttorneysDesigned, not yet running03SchoolsRunning today04Marketing & Advertising AgenciesRunning today05Pool CompaniesRunning today06Construction CompaniesRunning today07Amazon SellersDesigned, not yet running08ManufacturingDesigned, not yet running09Warehouse & FulfillmentDesigned, not yet running10Shipping & LogisticsDesigned, not yet running
Name the one boring, repeated task.
That is the whole first conversation. We map independent agencies, producers, account managers, pick the task your people would most like back, and show you what the first agent would do before it does anything.