AI transformation for insurance carriers, MGAs and brokers
Insurance
AI agents that work submissions, endorsements and claims inside the systems you already run.
Where AI has an impact in insurance
Submission intake and triage
Every new-business pack read on arrival, sorted by line and appetite, and pre-filled for the underwriter.
Endorsements and mid-term changes
Routine policy changes checked against the rules and decided in under a minute.
Underwriting pre-analysis
Loss runs, MVRs and safety records summarised, with the reasoning for each flag written out.
Document extraction
ACORD forms, loss runs, licences and schedules read accurately, whatever the format or scan quality.
- Compliance and risk checks
- Claims intake
- Renewals
- Agent and broker service
Native helps insurance carriers, MGAs and brokers put AI agents into submissions, endorsements, underwriting and claims, inside the systems they already run. Pilots go live in weeks, and whole departments run AI native within months. At TIE, a US transportation MGA, 74% of endorsement decisions now need no underwriter.
Case study · TIE
TIE decides transportation insurance endorsements in under a minute.
Native helped TIE, a US transportation insurance MGA, put agents on every submission and endorsement pack. They check each one and either decide it or hand the underwriter a pre-filled decision, and 74% of decisions now need no underwriter.
Frequently asked questions
What does an AI transformation partner do for an insurance company?
An AI transformation partner maps how work moves through your underwriting and operations teams, finds where files wait, and builds AI agents that do that work inside your systems. At Native the same team that maps the work builds the agents and stays until they run in production.
Can AI make underwriting decisions?
AI can settle decisions where the rules settle them, such as routine endorsements, and that is where most of the volume is. Decisions that need judgement go to an underwriter with the analysis already done. Where that line sits is agreed with your underwriting leads and written down.
How long does it take to put AI into production at an MGA or carrier?
The first agent is usually in production within weeks of starting. Whole departments, such as underwriting operations, run with agents on every file within months.
Who is accountable when an agent makes a decision?
Your team is. Each agent works within written authority, every action is logged with its reasoning, and a person can review or reverse any decision.
What should an insurer automate first?
Usually endorsements: the volume is high, the rules are clear, and the queue costs you service with agents. Submissions and claims intake tend to come next.
