AI deployment for insurance, never one-size-fits-all
Submissions, renewals, and claims without the paper chase. Files arrive already read and checked, and your people spend the day on the calls only they can make.
Built for
Carriers
MGAs & program administrators
Wholesale & retail brokers
TPAs
Reinsurance
Learn more
The Challenge
Nothing about this business is standard, and the system assumes it is.
Intake, underwriting, endorsements, adjudication, recoveries. The packet shows up in three versions that disagree, the call that settles it sits with one person, and the totals only tie out when someone proves them.
submission_2214_rekey.xlsxLTMBDR+2 editing
Submission
Effective04 Jan
Limit4,200,000
Prior actsYes
Policy sys
Effective04 Jan
Limit3,150,000
Prior actsNot set
Loss run
Claims6
Open2
Incurred318,400
Without an agent
With an agent
01The packet
No packet arrives in one clean version.
Anything that does not match gets keyed into a side sheet, and the trail ends there.
02The coverage call
Appetite is a conversation, not a rule.
The same risk gets a different answer depending on who picks it up, and when.
“Do we write this one?”
Q1 renewalBound
Same classDeclined
TodayWaiting
With AI in the mix
The desk gets one written appetite, built from the binds and declines you already made.
57 submissions triaged
03The reserve
Nobody can say what the claim has cost.
The claim file, the ledger and the last report you sent out each hold a different total.
Claim sys318,400
Ledger306,150Δ
Last report318,400
With AI in the mix
All three318,400
Checked nightly, and every gap arrives with the reason behind it.
…and many more use cases
Capabilities
What we build into an insurance operation
Not a product menu. These are the capabilities we design, prototype, and ship inside your shop, in whatever combination the work calls for.
Document & data extraction
Every document in a submission or a claim file, turned into usable data.
Submissions, loss runs, schedules
Checked against appetite and terms
Written to your systems
Agentic workflows
Clearance through settlement, running start to finish.
Underwriting and claims handoffs
Approvals where you require them
Exceptions routed to a person
Decision support
Faster triage and adjudication, with the file already assembled.
Your appetite and authority, encoded
Evidence surfaced up front
Judgment stays with your team
Risk, compliance & audit
Oversight that builds its own paper trail.
Exceptions flagged as they happen
Authority limits enforced in the workflow
Actor, time, and reason logged
Reporting & analytics
Bordereaux and reinsurer reporting rendered from the source.
Built from live policy and claim data
Lineage on every number
Your team reviews, not rebuilds
Conversation & voice
Claimant, insured, and broker conversations handled in plain language.
Phone, email, and chat
Full context from your systems
Resolved or escalated cleanly
Your own operating platform
The interface your team has always dreamed of. It now costs less to build than to keep renting your way around it.
One interface, not six logins
No per-seat bill as you grow
AI inside the work, not beside it
Most firms put three or four of these to work. A Jumpstart finds which ones earn their place, on your own files, before you commit to a build.
Case study
A specialty carrier, from first notice to settled
Intake, dispatch, field work, and settlement on one operating layer
Five tools and a claims queue that ran on the supervisor's memory, rebuilt as a single system that records every step. Site visits stopped slipping, and the book grew without the back office growing with it.
You already have policy language, carrier agreements, and an examiner who checks all of it. We build inside your rules. That shapes the work from day one, instead of becoming a checklist at the end.
We build to your rules
Your approval chains and record-keeping rules go in from day one. If your policy says a person signs off, the system enforces it.
Not our first rodeo
Our team has worked with personal data, SOC 2 requirements, and records a regulator can ask for. Yours won't be the first security review we've answered.
You own everything we build
The code, the accounts, and the documentation are yours. Nothing to hand back at the end, and the architecture is your IP to use forever.
Where to start
One workflow, one team, or the whole firm
Some firms arrive with one process that's breaking. Others want to rebuild how the business runs. We meet you where you are.
Start here
AI Jumpstart
A few weeks to map how a file really moves, audit your stack, your data, and your controls, and find where AI pays back. Delivered with a working prototype on your own files, before anyone commits to a build.
Your prototypes built into production software by a lean team that stays through launch, rollout, and your first audit on the new system. The code is yours, in your own accounts.
Carriers, MGAs and managing general underwriters, program administrators, wholesale and retail brokers, TPAs and claims administrators, reinsurers, specialty and excess and surplus lines writers, captives, warranty and service contract providers, and title insurers. The operating patterns repeat across all of them, so if your corner of insurance isn't on that list, it's very likely still a fit.
We already have a policy and claims system. Are you replacing it?
Usually not. Your policy and claims systems handle the standard risk and the standard loss well, and ripping them out is rarely the highest-value move. What we build is the layer around them: the intake and extraction that fills them, the exception paths they were never designed for, and the reporting they can't produce. Sometimes the honest answer after a Jumpstart is that the core needs replacing, and we'll tell you that. More often it's that the work happening in spreadsheets and inboxes around the core is where the time actually goes.
How do you handle policyholder data, claim files, and our next security review?
We build to your specs, inside the controls your firm already has, rather than asking you to accommodate ours. Policyholder and claimant data, retention rules, and who is allowed to open a file go into the design at the start, not onto a remediation list at the end. Switchboard does not claim certifications of its own. What we commit to is keeping the code and the accounts in your hands, and treating the audit trail as a build requirement, so the evidence is already there when the review comes.
Will AI be deciding coverage or paying claims?
Not unless you decide it should and can defend that decision. We separate the work AI is genuinely good at, like reading documents, extracting data, drafting, routing, and checking one record against another, from the coverage call and the settlement itself, which need a person and a documented reason. Your appetite and authority limits get encoded so they're applied the same way every time, and every automated action is stamped with what happened, when, and why.
We're a smaller shop. Is this sized for us?
Most of our clients run between 100 and 1,000 people, and plenty of underwriting and claims teams inside them are much smaller than that. Engagements start with a Jumpstart scoped to one workflow, one team, or the whole firm, so the first commitment is small and fixed-price. There's no wrong place to start.