Enterprise Agentic OS / Insurance

AI Agents That Improve Your Combined Ratio

From underwriting selection to claims settlement — deploy AI agents that understand insurance across every line of business. First agent live in 2 weeks.

19 specialized insurance agents across underwriting, claims, distribution, actuarial, and operations. Built for carriers, MGAs, and insurtechs.

The Pressures Every Carrier Faces

Claims Cycle Time Destroys Customer Trust

When a policyholder files a claim, the clock starts. Every day between FNOL and settlement erodes trust. Standard claims still average 30+ days to close. Customers leave. NPS drops.

Every day a claim stays open costs you in LAE, customer satisfaction, and retention risk.

Underwriting Accuracy Determines Profitability

Bad risks get through. Good risks get declined or priced out. Hit ratios sit at 15-25% for commercial lines because underwriters spend more time on data entry than risk analysis.

A 1-point improvement in loss ratio on a $500M book of business is $5M straight to the bottom line.

Combined Ratio Pressure Never Stops

Expense ratios above 30% eat into profitability even when loss ratios are healthy. Manual processes in policy administration, billing, and renewals drive operational costs higher.

Industry average combined ratio hovers around 98-100%. Every point below 100% is profit.

Fraud Leakage Is Hard to Measure, Harder to Stop

Most carriers catch obvious fraud but miss sophisticated schemes involving coordinated claims, staged accidents, or inflated damages. SIU teams are understaffed and overwhelmed.

Estimated 5-10% of claims involve some degree of fraud. Most goes undetected.

From Workshop to Combined Ratio Improvement

1

Discovery Workshop

Week 1-2 — Starting at $5K

We map one high-impact insurance workflow together — typically claims triage, underwriting automation, or fraud detection. You see a real agent running against your claims data.

  • Workflow mapping for one insurance process
  • AI agent configured for your lines of business
  • ROI assessment with your actual loss and expense ratios
  • Go/no-go decision with full clarity
2

Growth Platform

$10K/month

Expand from one agent to a team. Deploy across multiple lines of business. Add underwriting agents alongside claims agents. Monthly reviews track impact on your combined ratio.

  • 2-5 active agents across claims, underwriting, and ops
  • Line-of-business expansion (personal, commercial, specialty)
  • Monthly outcome reviews tied to your KPIs
  • Dedicated support
3

Enterprise Outcomes

Custom OaaS

Full platform deployment with outcome-based pricing. Agents across every function of your carrier, MGA, or insurtech operation. You pay for combined ratio improvement.

  • Full insurance module — 19 agents, 6 categories
  • Outcome-based pricing tied to combined ratio
  • Dedicated customer success team
  • SLA-backed performance guarantees

Meet Your Insurance Agent

One of your 19 specialized insurance agents

Claims Director Agent

The Resolution Expert

I help you... Process claims from first notice of loss to settlement — cutting cycle times from weeks to days.

  • Triage and route claims by complexity automatically
  • Assess liability and damages with AI-powered analysis
  • Detect fraud patterns across claims portfolio
  • Manage vendor and adjuster workflows end-to-end

“Reduced average claims cycle time from 32 days to 4 days for standard auto claims.”

More agents available: Chief Underwriting Officer, VP Personal Lines, VP Commercial Lines, VP Specialty, VP Claims, Fraud Investigation (SIU), VP Distribution, VP Actuarial, VP Risk Management, Reinsurance Director, and more.

Outcomes That Show Up in Your Combined Ratio

You do not buy seats. You buy outcomes.

AreaOutcome
Claims Processing60-70% automation of standard claims
Claims Cycle TimeStandard claims closed in under 5 days
Claims Cost40-50% reduction in handling expense
UnderwritingImproved hit ratios and risk selection
Fraud DetectionEarly detection of fraud patterns
Expense RatioReduction in operational costs

Your data stays in your environment. Built-in compliance for state DOI requirements, NAIC standards, and statutory accounting (SAP) reporting.

See What AI Agents Can Do For Your Combined Ratio

Book a Discovery Workshop. We will map one insurance workflow, deploy a real agent, and show you measurable results in 2 weeks. Starting at $5K.

19 Insurance AgentsClaims to Underwriting22 IndustriesEnterprise Agentic OS