PROJECT SUMMARY
Client is a leading U.S. insurance brokerage managing a growing volume of commercial insurance submissions across multiple industries and carrier partners. Agents and brokers were responsible for understanding each applicant’s business and exposures, gathering and packaging submission information, reviewing coverage options, comparing carrier appetite, identifying exclusions, and recommending suitable products.
As product complexity grew, recommendation quality varied across teams, placement cycles slowed, and identifying best-fit coverage became increasingly difficult — driving the need for an intelligent platform that could turn applicant information into explainable, needs-based coverage recommendations.
CHALLENGES
- Heavy reliance on manual applicant analysis, broker tenure, and fragmented carrier documentation
- Growing submission volume across multiple industries and carrier partners
- Inconsistent recommendation quality across teams and individual brokers
- Slow placement cycles from submission to bind
- Difficulty identifying best-fit coverage as product complexity increased
- Advisory judgment of top-performing agents locked up in individual experience, not scalable across the firm
- Limited transparency for customers on why a given policy was recommended
SOLUTION
- Built an AI-powered Applicant Profile Assessment and Coverage Recommendation Platform serving as an intelligent advisory layer for brokers and agents
- Shadowed top-performing agents and codified their fact-finding and advisory logic into the platform, so every broker qualifies and guides applicants the way the firm’s best agents do
- Applicant Profiling Engine — digital fact-finder capturing operations, safety practices, contractual insurance obligations, in-force coverage, risk tolerance, budget, and stated priorities
- Coverage and Carrier Matching Engine — evaluates profiles against carrier appetite, financial strength, claims service, and premium-vs-deductible trade-offs to rank suitable options
- Broker Recommendation Copilot — produces proposal-ready, plain-language recommendations with full traceability back to the customer’s stated needs
- Established a foundation for dynamic carrier appetite monitoring, predictive coverage insights, agentic broker assistants, and self-service advisory experiences