FIG. 01 — INSURANCE OPERATIONS
Monday morning, the submission inbox: every thread carries an ACORD 125, a loss run scanned sideways, and an SOV your workbench has never seen. The broker who sent the best risk in the pile will route it to a faster market by Wednesday.
It’s 8am Monday. Forty-one submissions. Three assistants. You do the math — you already have.
Every one of them arrives as an ACORD PDF and a scanned loss run. Every one gets re-typed before an underwriter can even think about appetite. We build the AI systems that end the re-typing — production-ready in four weeks, fixed price, proven on your real documents first.
FIG. 02 — WHERE THE HOURS GO
Five workflows eating your shop’s week. None of them are your fault.
You didn’t design it this way. The industry did — carriers, brokers, and forms that were never built to talk to each other. Here’s where it lands on you:
FNOL comes in sideways
First notice of loss arrives by phone, email, and portal, and your adjusters re-type every detail before triage can start. Acknowledgment slips past your service standard while the claim is still being keyed.
Every claim, same queue
A windshield waits behind a total loss because everything routes to a senior adjuster. Fast-track candidates never get fast-tracked, and LAE climbs on claims that should have been straight-through.
Submissions buried in PDFs
Broker submissions land as email threads, ACORD PDFs, and loss runs. Your underwriters spend hours per risk on extraction before they can think about appetite.
COIs tracked by inbox
Certificate requests and vendor compliance run on email and a spreadsheet. Gaps sit unnoticed until a claim exposes an uninsured vendor.
Renewals slip when busy
When the book gets heavy, remarketing is the first thing skipped — and your retention pays for it.
FIG. 03 — WHAT CHANGES
Five systems. Five before-and-afters for a shop like yours.
ACORD Intake Agent
Today: an attachment pile. After: your underwriters open a structured risk with missing fields already flagged back to the broker. Extraction from ACORD 125/126/130/140, loss runs, and SOVs straight into your AMS or workbench.
FNOL Intake Agent
Today: claimants wait on hold while details get keyed. After: every claimant is acknowledged before an adjuster is even assigned — voice and web intake, coverage checked against your policy admin system, severity flagged on arrival.
Claims Triage Model
Today: the windshield waits behind the total loss. After: routing is a decision your team audits, not a queue accident — complexity and fraud signals scored at FNOL, fast-track to straight-through, complex losses to your senior people.
COI Compliance Agent
Today: gaps hide in the inbox until a claim finds them. After: incoming certs read, limits and endorsements validated against contract requirements, non-compliant vendors chased on a schedule until the cert lands.
Renewal Prep Agent
Today: remarketing is what gets skipped. After: expiring-vs-quote comparisons and carrier-appetite submission packets drafted weeks before expiry — every renewal, even in a heavy month.
TARGETS ARE TARGETS — SET IN THE OMEGA STATEMENT, MEASURED FROM WEEK 1. NOT CLAIMED RESULTS.
FIG. 04 — THE OMEGA METHOD, ON YOUR BOOK
You’ll see it work on your own submissions before you pay to build it.
- WEEK 0Endgame
Your Omega Statement, signed: e.g. “Every clean submission triaged and workbench-ready within 1 hour of receipt.”
- WEEK 1▪ DEPLOYEvidence + Blueprint
We run a sample of your real ACORD packets through extraction and measure accuracy. You get a kill/go verdict, then the Build Blueprint with your AMS integration mapped.
- WEEK 2▪ DEPLOYBuild
First Friday deploy: extraction live on last month’s submissions, in a sandbox against your real document formats.
- WEEK 3▪ DEPLOYBuild
Second Friday deploy: broker follow-up automation, exception queues, audit logging — your assistants working real submissions in parallel run.
- WEEK 4▪ DEPLOYBuild + Launch
Cutover, monitoring, and the Launch Runway: go-live checklist, metrics dashboard, first-month review scheduled.
Working software every Friday. A demo link, not a slide deck. You evaluate by clicking, not by code review.
FIG. 05 — THE ANSWERS YOUR AUDITOR WILL ASK FOR
When the DOI asks, you’ll have it in writing. We write it with the build.
You shouldn’t have to choose between moving fast and sleeping through exam season. These are the rules every insurance build ships inside — stated plainly, because your compliance file can’t run on vibes:
- [✓]Decisions stay human-owned. The NAIC model bulletin on insurer AI use expects governance, not magic. Agent outputs are recommendations with documented model governance; your licensed staff decide.
- [✓]State DOI regulation respected. We scope every workflow against your state’s requirements in the Build Blueprint — before code, not after a finding.
- [✓]E&O sensitivity is structural. Agent outputs are drafts for licensed staff, never binding communications. Nothing leaves the shop without a human on it.
- [✓]SOC2-friendly architecture. Access controls, audit logging, and encryption follow SOC2-aligned practice. We don’t claim certifications we don’t hold — we build so yours survive an audit.
- [✓]Carrier data-handling agreements honored. Your carrier and broker agreements govern where data lives and who sees it. We inherit those constraints; we don’t renegotiate them.
COMPLIANCE COMMITMENTS REVIEWED BY ENGINEERING LEAD BEFORE PUBLISH
FIG. 06 — A FIRST SPRINT, WORKED
A first Sprint for a shop like yours, worked end to end.
The situation
Picture a regional MGA: 400 submissions a month, 3 underwriting assistants, every risk hand-keyed from ACORD PDFs and loss runs. Quote turnaround measured in days — and the principal watching brokers route easy business to faster markets.
The Omega Statement
“Every clean submission triaged and workbench-ready within 1 hour of receipt.”
What shipped
Week 1, their real packets go through extraction and the accuracy gets measured before a build dollar is spent. Four Fridays later, the ACORD Intake Agent is wired to their AMS with broker follow-up automation behind it. The assistants stop typing and start reviewing structured risks — chasing only true exceptions.
Metrics tracked
- MINUTES PER SUBMISSION
- QUOTE-TURNAROUND TIME
- SUBMISSIONS PER ASSISTANT
This is a worked example of a first Sprint — illustrative, not a client result. It’s stamped TEMPLATE until a real engagement replaces it.
FIG. 07 — THE PLAN AND THE PRICE
Three steps. Fixed price. Published.
DISCOVERY FEE CREDITED 100% AGAINST THE SPRINT
FIG. 08 — THE QUESTIONS YOUR COMPLIANCE LEAD WILL ASK
Straight answers, before the meeting.
Where does our submission and claims data live?
In your cloud tenancy by default, inside a SOC2-friendly architecture: role-based access, encryption in transit and at rest, audit logs on every agent action. Nothing is used to train shared models, and carrier data-handling agreements are inherited as hard constraints in the Build Blueprint.
Can you integrate with our AMS and policy admin system?
Yes — API-first against systems like Applied Epic, AMS360, or your underwriting workbench, with documented fallbacks where an API doesn’t exist. Week 1 maps the exact integration path before we commit to build. Your AMS stays the system of record.
Our submissions are a mess — scanned PDFs, email threads, broker shorthand. Will this even work?
That mess is the use case. Extraction agents are built for unstructured ACORD forms, loss runs, and SOVs; anything below confidence threshold routes to a human exception queue instead of guessing. In the Discovery Sprint we run your real documents and show you the measured accuracy before you spend a build dollar.
What will our regulator say about AI in our operation?
The NAIC model bulletin — adopted in some form by most state insurance departments — asks insurers to govern AI use: inventory it, document it, keep humans accountable. We deliver that governance as part of the build: model inventory, human-in-the-loop points, and audit trails, in writing, for your DOI file.
What if the evidence says our workflow isn’t automatable?
Then we tell you, in writing, and you stop at $7,500 instead of finding out at $200,000. The Discovery Sprint ends in a kill/go verdict, and the fee is credited 100% against the Sprint if you go.
A question we didn’t answer? Ask it in a Product Session.
FIG. Ω — THE END STATE
Bring your submission or claims numbers.
In one Product Session we’ll map which workflow pays back fastest — with the math. Cycle time, cost per submission, loss-adjustment expense: you bring the numbers, we bring the build plan and a fixed price.