AI for insurance operations.Built for the regulator in the room.
The slow, manual last mile in a broking or underwriting operation is the closed insurer portal, the shared inbox and the quarterly compilation that no off-the-shelf tool will touch.
We build human-in-the-loop pipelines and supervised agents that do that work at machine pace while a person stays accountable for every consequential action. We start with a fixed-fee operations review, prove the hard part on your real documents, and only then build.
The closed-system
last mile.
Insurer portals you can't integrate with
The quote, the bind, the mid-term adjustment all happen inside an insurer or managing general agent (MGA) portal sitting behind multi-factor authentication (MFA), with no API to connect to. Your team swivel-chairs between systems, re-keying the same risk three times.
The shared inbox that never empties
Submissions, endorsements and claims notifications land as email and attachments. Someone reads each one, types it into the back-office system, and chases what's missing. It is the single biggest source of drag in a broking operation.
The quarterly compilation by hand
Bordereaux, regulatory returns and the management pack get assembled manually from data that lives in four places. It's a days-long scramble every period that pulls senior people off client work.
Quote turnaround measured in days
While a quote sits in a queue waiting for a human to re-key and check it, the client is getting three other prices. Speed is the sale, and the manual last mile is where it's lost.
A skim of two recent pieces, if it helps: why insurance brokers are losing hours every day and why insurance SMEs are about to get squeezed.
Measured on a real
finance operation.
less manual effort, PMD Finance
faster quote turnaround
from start to live
returned to one client (≈£120k/yr)
Three services,
in the right order.
The lines we
will not cross.
Every action carries a field-level confidence score and a full, exportable audit trail. These red lines do not move for a deadline, a client, or a confidence threshold.
We never automate a payment.
Not with approval, not with a confidence threshold, not just this once. A human makes payments by hand, every time.
We never automate a change to bank details.
The single highest-fraud-risk action in any operation. It stays manual, permanently, by design.
No submission reaches a regulator without explicit human sign-off.
Every regulatory return sits behind a hard pre-submission gate. The pipeline can assemble it; a named person releases it.
Audit first.
We say no in writing.
A fixed-fee operations review maps your whole operation, scores every workflow on six axes, and hands you a costed, sequenced plan, including the workflows we'd tell you to leave alone. No build is ever priced before we've proven the single hardest thing on your real documents. If the proof fails, there's no build and you don't pay for one.
A fixed-fee operations review
Roughly two to three weeks. A handful of half-day sessions with the people who do the work, plus read access to a representative sample. You own every artefact, whether or not you go on to build.
Can you automate work inside an insurer portal that has no API?
+
Yes. That's the work most automation tools can't touch. A supervised agent operates the MFA-gated portal the way a trained member of staff would, logging in, navigating, reading and entering data, while a human approves every critical action before it executes. Nothing high-stakes is autonomous.
Will this make our quote turnaround faster?
+
For a UK business finance provider we cut manual effort by roughly 60% and made quote turnaround more than 50% faster, live in around six weeks. The gain comes from removing the manual re-keying and review that sits between a submission arriving and a price going out.
How do you keep this compliant and auditable?
+
Every extraction, edit, approval and rejection is logged in a full, exportable audit trail. Output carries field-level confidence scores and low-confidence items are flagged for a human. We never automate payments or bank-detail changes, and nothing reaches a regulator without explicit human sign-off.
Do we have to replace our back-office or broking system?
+
No. We build around the systems you already use, writing back through an API where one exists and using a supervised portal agent where a system is closed. You keep your platform; we remove the manual last mile around it.
See where AI pays
back in your operation.
UK STUDIO · REMOTE-FIRST ACROSS THE UK AND EUROPE
[email protected]