AI Humanoid

Agentic AI for the Future of Insurance

Production-grade AI agent systems that transform P&C underwriting — from broker submission to issued policy, in seconds.

Our Products How It Works
500+
Submission Processed
AI enabled - Automated intake, policy validation, underwriting support, and workflow automation for P&C insurance.
<10s
Policy Issuance
From broker submission to fully issued policy — underwriting, pricing and binding all run autonomously in under a second.
80%
Faster Underwriter Performance
AI-augmented underwriting cuts decision time by 80% vs manual review — fewer touchpoints, faster bind, lower loss ratio risk.
✦
AI Consulting
End-to-end AI readiness for MGAs, agencies and P&C carriers. Structured & unstructured data ingestion — PDFs, forms, scans and legacy systems.
Submissions Received vs Processed
Last 6 months · Monthly volume
1209060300
Received Processed
Agent Pipeline Performance
Avg processing time per agent (ms)
Risk Band Distribution
All submissions · Current portfolio
Approval Rate Trend
Monthly underwriting approval %
Current Rate 0%

Our Products

AI systems built for real insurance workflows

Not chatbots. Not dashboards. Real agentic systems that make decisions, score risk and issue policies — autonomously.

● Live 🏠

Agentic Underwriting

P&C · Multi-Agent Pipeline · Real-Time

A complete multi-agent underwriting workbench for US carriers, MGAs and MGUs. Multiple specialized AI agents collaborate — from document validation through property risk, underwriting decision and premium pricing to policy issuance — with zero manual touchpoints.

Document Validation Agent Property Risk Agent Underwriting Agent Pricing Agent Issuance Agent
Meet the Agents →
Coming Soon ⚡

ClaimSense

AI Claims Triage · Severity Scoring

Automated FNOL processing, coverage verification, fraud signal detection and reserve estimation — powered by multi-agent AI trained on historical claims data.

FNOLFraud DetectionReserving
In Development —
Beta 🌍

RiskRadar

Geo Risk Intelligence · Address-Level

Property risk scoring using climate and geospatial data. Wind, flood, fire and earthquake risk bands at address-level granularity for any US submission.

WindFloodFireEarthquake
Join Waitlist →
Coming Soon 📊

ActuarialOS

AI Actuarial Workbench · Rate Adequacy

Loss ratio prediction, rate adequacy analysis and reinsurance optimization — with full explainability for regulatory review.

PricingReservingReinsurance
In Development —
Beta 📥

DocIngest Agent

Policy Document AI · Multi-Format Ingestion

Reads and extracts structured data from policy documents in any format — PDFs, Word docs, scanned images (OCR), XMLs, CSVs, and legacy forms. Normalises and stores everything into your structured database, ready for AI processing.

PDFOCRWordXMLCSVStructured DB
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The AI Agent Pipeline

Multiple Minds. One Pipeline.

Each AI agent is a specialized model trained on real P&C data. They run in sequence — each decision feeding the next — with zero human touchpoints.

Document Agent
Doc Validation
Document Validation
Identity verification · Sanctions screening · Credit bureau check · Fraud detection · US compliance validation
Property Risk Agent
Property Risk
Risk Assessment
Wind · Flood · Fire · Geo-risk signals · Risk band assignment · Address-level scoring
Underwriting Agent
Underwriting
UW Decision
Carrier guideline checks · State compliance · Binding authority · Full decision explainability
Pricing Agent
Pricing
Premium Pricing
AI-powered premium calculation · Confidence intervals · Credit & risk modifiers · Full pricing transparency
Issuance Agent
Issuance
Policy Issuance
Declarations page · Policy contract · Broker notifications · Full audit trail · ISSUED

How It Works

From submission to issued policy.
In seconds.

01
Broker Submits
A broker or MGA submits a P&C application — insured details, property info, coverage selection. The submission is instantly received and queued for the agent pipeline.
02
Agents Run in Sequence
The Document Validation Agent screens compliance. The Property Risk Agent scores the property. The Underwriting Agent makes the decision. The Pricing Agent calculates the premium. The Issuance Agent delivers the policy. All autonomously.
03
Policy Issued. Broker Notified.
A complete policy is generated — declarations page, contract, cover note — and securely stored. Broker notified instantly. The whole pipeline runs in under a second.

PolicyBridge Platform

Full-stack P&C Intelligence — Six Live Modules

PolicyBridge automates the complete policy lifecycle — from MGA onboarding and broker submission through underwriting, pricing, issuance, and claims triage — all on a single intelligent platform.

⚙️ ● Live
Policy Issuance Pipeline
End-to-end automated underwriting from identity verification to issued policy. Six specialised AI agents work in sequence — document validation, risk assessment, underwriting decision, pricing, policy binding, and full audit trail.
📋 ● Live
PolicyBridge Submission
6-step MGA/broker submission form with AI-powered quote comparison engine. 5 competitive market quotes with scoring, savings calculation and plain-English recommendation.
🏢 ● Live
MGA Onboarding
4-step guided self-registration for MGAs. Company search, license verification, and unique Master Broker Code generation (MGA-ST-NNNNN) auto-attached to all future submissions.
⚡ ● Live
ClaimSense
Automated FNOL intake, fraud detection, severity scoring and triage routing. AI agents handle coverage verification and route claims to the right team — with a full decision audit trail.
🌍 ● Live
RiskRadar
Address-level property risk scoring for wind, flood, fire and earthquake exposure. Interactive map visualisation lets brokers and underwriters instantly see risk for any US location.
📊 In Progress
ActuarialOS
Loss ratio prediction, IBNR reserves, catastrophe modelling and reinsurance optimisation — with full explainability for regulatory review.

MGA Onboarding

Self-Register in 4 Steps.
Get Your Master Broker Code.

01
Identity Entry
MGA enters their work email and company name. The system validates the email format and checks for existing registrations to prevent duplicates.
02
Company Registry Search
The system searches a company registry and returns 2–5 matching results. In production, this connects to live state licensing databases for verified entities. The MGA selects their organisation from the results.
03
Detail Verification
A smart lookup pre-fills license number, state, city and lines of business. All fields are editable — the MGA can correct or complete any details before proceeding.
04
Master Broker Code Generated
A unique Master Broker Code is generated in the format MGA-{STATE}-{5-digit} (e.g. MGA-TX-48291). The MGA confirms their profile and the code is saved — automatically attached to every subsequent submission for carrier-level tracking and commission attribution.
MGA Profile — Sample Output
Master Broker Code ────────────────── MGA-TX-48291 Company Apex Insurance Group Email broker@apexins.com License TX-7842910 State Texas City Houston Lines HO-3 · HO-5 · WC Status ✓ Verified & Active Onboarded Apr 15, 2026
Auto pre-fill: The Master Broker Code is automatically injected into the Submitter step on all future submissions — the MGA never needs to re-enter their identity.

Carrier tracking: Every policy issued carries the MGA code, enabling commission attribution and portfolio-level reporting across the full lifecycle.

Policy Submission

7-Step Guided Submission Form

A structured digital workflow replacing manual ACORD entry. Each step feeds directly into the 6-agent pipeline — from broker identity through to quote selection and issuance.

01
👤
Submitter
Broker / MGA name, broker code, email, licensed state, line of business
02
🪪
Insured
Full name, DOB, credit score, contact details, full mailing address
03
🏠
Property
Risk location, property type, year built, sq ft, construction & roof type
04
🛡️
Coverage
Coverage type (HO-3 to WC-3), limit, deductible, endorsements, effective date
05
📄
Review
Full submission summary across all steps before proceeding to quote engine
06
⚖️
Quotes
AI-powered market comparison — 5 competitive quotes with scoring & recommendation
07
✅
Confirm
Submission confirmed, carrier selected, premium locked in — policy pipeline kicks off automatically
Quote Comparison Engine
After completing the submission form, the broker or MGA sees a side-by-side comparison of 5 competitive market quotes with an AI-generated recommendation identifying the best value option. Each quote is scored on price, carrier financial strength, digital experience and claims reliability — giving MGAs the confidence to select the right carrier for their client.
PolicySense Direct A+
Our Quote
Progressive A+
Nationwide A+
State Farm A++
Travelers A++
NumberStudio.aiPlatform Walkthrough

See It In Action

PolicyBridge — Full Platform Demo

Watch the complete end-to-end walkthrough — MGA onboarding, policy submission, quote comparison, 6-agent underwriting pipeline and real-time policy issuance.

Consulting Services

We Help You Become AI-Ready

Whether you're an MGA, an independent agency, or a P&C carrier — we work alongside your team to design, build and implement AI-powered workflows that fit your business from day one.

🏢

MGA Consulting

AI Readiness · Pipeline Design

We help MGAs modernise their underwriting and submission workflows end-to-end. From data strategy through to live agentic pipelines — we set you up for AI-driven growth.

Workflow AuditAI PipelineData Strategy
Talk to Us →
🤝

Agency Consulting

Independent Agencies · Digital Transformation

Independent agencies gain a competitive edge with AI-assisted quoting, document handling and client management. We implement tools that fit your existing systems — with minimal disruption.

Quoting AIDocIngestCRM Integration
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🛡️

P&C Carrier Consulting

Enterprise AI · Platform Implementation

We partner with P&C carriers to deploy production-grade agentic AI for underwriting, claims triage and actuarial analytics — fully compliant, fully auditable, built for scale.

Underwriting AIClaims TriageCompliance
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Not sure where to start?

Book a free 30-minute AI readiness call. We'll assess your workflows and recommend the fastest path to value.

Get Started

Ready to transform your underwriting workflow?

Our agentic AI system is live and processing real P&C submissions. Get in touch to see a live demo tailored to your business.

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