AI-NATIVE ENGINEERING FOR US INSURANCE

Built for insurance. Native to AI.

Insurance specialists and AI engineers building agents for the way US carriers, MGAs, brokers and TPAs actually work.

P&C · Specialty · Life
Lines we build for
Carriers to TPAs
Across the whole value chain
Human in control
On every decision that matters
Six-week pilots
One workflow, measured result
WHY AI-NATIVE

Adding AI to old workflows gives you a faster old workflow.

AI-native transformation starts from a different question: if an agent can read every document and prepare every file, how should the work be designed? That is how we engineer.

AI ADDED ON
—A chatbot on the portal
—Point tools bolted onto legacy screens
—People still re-key between systems
—Pilots that never reach production
AI-NATIVE
→Workflows redesigned around agents
→Agents read, prepare and act inside your core systems
→People review and decide — not copy and paste
→Governed, measured and in production from week six
WHY NOW

Four things changed at once.

01
Models can read insurance
Today’s AI understands submissions, loss runs, policy wordings and claim files well enough to do real work.
02
Regulators have set the rules
The NAIC AI Model Bulletin and state guidance give carriers a clear path to deploy AI responsibly.
03
Experience is retiring
Seasoned underwriters and adjusters are leaving faster than they can be replaced. Their judgement needs to scale.
04
Early movers set the pace
Carriers and MGAs acting now are quoting faster and settling sooner — and brokers notice.
01 — WHO WE SERVE

Every seat in the US market has a different bottleneck.

We start from the workflow of the people who write the risk, place it, service it and pay it — then build the agent that removes the friction.

CARRIERS (P&C)
Grow without growing headcount
Faster quote turnaround, cleaner underwriting files and claims that close sooner.
MGAS / MGUS
Win on speed and service
Quote more submissions, prove discipline to capacity providers, automate bordereaux.
BROKERS & WHOLESALERS
Place risk faster
Clean submissions, market matching and renewal preparation in a fraction of the time.
TPAS / CLAIMS
Handle surge without backlog
Automated intake, triage and correspondence so adjusters focus on complex losses.
REINSURERS
See exposure clearly
Treaty reading, cession checks and cat exposure summaries you can trust.
LIFE & ANNUITY
Simplify new business
Faster application review, evidence gathering and in-force servicing.
02 — ACROSS THE VALUE CHAIN

Agents that work alongside your underwriters, adjusters and operations teams.

Broker emails, ACORD forms, SOVs and loss runs arrive in every format. Agents read, extract, clear and rank them before an underwriter opens the file.

Submission Triage
AGENT
Reads every inbound submission, extracts ACORD, SOV and loss-run data, checks clearance and scores each risk against your appetite.
HUMAN IN CONTROLUnderwriter picks which risks to quote
WHAT IT FREES UPHours of re-keying per submission
Appetite Matcher
AGENT
Tells brokers and wholesalers in minutes whether a risk fits — and routes it to the right desk or program.
HUMAN IN CONTROLProgram manager sets appetite rules
WHAT IT FREES UPDeclines that used to take days
03 — FITS YOUR CORE

We integrate. We don't rip and replace.

Agents sit on top of the policy, billing, claims and agency systems you already run — reading from them, writing back to them, and leaving your system of record in charge.

GuidewirePolicy · Billing · Claims
Duck CreekPolicy · Billing · Claims
MajescoP&C and L&A core
SapiensCore & reinsurance
Applied EpicAgency management
VertaforeAgency management
Salesforce FSCDistribution CRM
Your data platformSnowflake · Databricks
04 — GOVERNANCE BY DESIGN

AI you can explain to your board, your auditors and your regulator.

US insurance AI is regulated state by state. We build to that reality from the first line of code — not as a review at the end.

NAIC AI Model Bulletin
Documented AI programme, risk controls and third-party oversight aligned to the bulletin adopted by a growing number of states.
Fair outcomes testing
Bias and unfair-discrimination testing in line with Colorado SB21-169 and New York DFS guidance on AI and external data.
Every decision explained
Each agent action is logged with inputs, reasoning and the human who approved it.
Human in the loop
Agents recommend and prepare. Licensed people decide on coverage, price and payment.
Security first
SOC 2-aligned controls, encryption, role-based access and US data residency options.
Model choice, no lock-in
Frontier or open models, in your cloud or ours — swapped without rebuilding the workflow.
A weather system seen from orbit
05 — WHEN THE BIG ONE HITS

Built for surge, not just steady state.

Hurricane, wildfire, convective storm. When claim volumes spike tenfold overnight, agents absorb the intake, triage severity and keep adjusters on the losses that need a human — while exposure summaries flow straight to your reinsurance team.

01Absorb FNOL spikes across phone, web, app and email
02Triage severity so adjusters reach the worst losses first
03Send live exposure summaries to reinsurance and finance
USE CASE LIBRARY

What AI-native transformation looks like in practice.

Real problems from across the value chain, the way we solve them, and the results we design for.

CARRIERSMGASTPASCLAIMSCORE MODERNISATION

AI-native core modernisation and autonomous claims orchestration

THE CHALLENGE

Many carriers, MGAs and TPAs are stuck at the “AI-enabled” stage. They buy bolt-on tools — basic OCR on emailed claim PDFs — but the extracted data still lands in disconnected silos, because the policy, claims and billing systems underneath were never built for it.

Adjusters copy data by hand, check policy rules across several screens and wait weeks for manual fraud reviews. That weight of legacy technology drives up loss adjustment expense and squeezes margins.

OUR APPROACH

We turn existing systems into one AI-native insurance operating system — a unified, governed data layer on top of the infrastructure you already run, without a rip-and-replace.

AI-ready data foundationsLive policyholder, claims and billing data brought together into a single governed source of truth.
Agents that run the whole workflowMulti-step agents read photos and telematics, interpret policy wording, map fraud patterns and apply compliance checks — without handoffs between teams.
THE OUTCOME
14 days → < 60 secStraight-through claimsFor standard commercial auto and property claims, with people stepping in only on genuine exceptions.
Up to 40%Lower loss adjustment expenseBy removing manual triage and the administrative bottlenecks around it.
ContinuousDynamic underwritingFrom static quarterly rate tables to pricing risk at the moment a broker asks.
06 — HOW WE START

One workflow. Six weeks. A result you can measure.

WEEKS 1–2
Map the workflow
Our forward deployed engineers sit with your team, measure today’s baseline and agree what success looks like.
WEEKS 3–4
Build the agent
Connected to your systems and data, with controls and logging from day one.
WEEKS 5–6
Prove it live
Run on real work alongside your people and report the measured result.
THEN
Scale with a dedicated team
Extend to the next workflow with a dedicated team from our India capability centre.
07 — THE PEOPLE

Insurance people and AI engineers, at the same table.

Decades across carriers, brokers and technology — with engineering delivered by our capability centre in India through neurogent.tech.

Vikas Ranga
Vikas Ranga
Co-founder
Anil Mor
Anil Mor
Co-founder
Sanjeev Bhandari
Sanjeev Bhandari
CXO - Strategy & Growth
Shristi Singh
Shristi Singh
Growth Manager
08 — INSURANCE SPECIALISTS

Engineers build it. Insurance specialists shape it.

Former underwriters, adjusters, actuaries and compliance leads sit inside every engagement — so the agent is designed around how the work is really done.

UNDERWRITING
Underwriting specialists
Former commercial, E&S and specialty underwriters who define appetite rules, referral logic and what a good risk file looks like.
CLAIMS
Claims specialists
Experienced adjusters and claims managers across property, casualty, auto and workers’ comp who shape triage, reserving and settlement flows.
ACTUARIAL & PRICING
Actuarial & pricing
Actuaries who validate models, pricing signals and loss trends so every output stands up to review.
COMPLIANCE
Regulatory & compliance
Specialists in state filings, market conduct and AI governance who keep every build aligned to NAIC and state requirements.
DISTRIBUTION
Broker & MGA operations
People from wholesale, retail brokerage and delegated authority who know submissions, placement and bordereaux inside out.
REINSURANCE & CAT
Reinsurance & catastrophe
Treaty and cat-modelling specialists who design exposure, cession and event-response workflows.
BOOK A CONVERSATION

Bring us one workflow. We'll show you the agent.

A 30-minute call with someone who knows both the insurance and the engineering. No slideware.

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October 2026
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